davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello. 
I would like to inform you that about 2 weeks ago Bank of America closed my Credit Account FOR NO REASON. It was a Secured Credit card account and I had {$500.00} of my own money as collateral in it. They DID NOT even return my money. But what irritates me the most, is that they closed my Credit Account for NO REASON in the first place! I have ALWAYS made 100 % on-time payments and I have NEVER used my credit card aggressively. You can check my credit history and you will see it yourselves. I was a victim of a scam with my checking account. I submitted a complaint ( complaint ID : XXXX ) to Consumer Financial Protection Bureau and you guys did a GREAT JOB, because Bank of America opened my checking account back ( which should have never been closed in the first place without any investigation ). 
So, now they have decided to go after my Credit Account, which is again absolutely UNFAIR and UNJUST. I have contacted Bank of America many times after my credit account got closed, but they never provided me with a single reason of why my Credit Account got shut down. With this matter I contacted their ( 1 ) Customer Service, ( 2 ) Risk and Closure, ( 3 ) Credit Accounts, ( 4 ) Fraud, ( 5 ) Complaint departments and NONE OF THEM PROVIDED ME WITH ANY REASON of my Credit Account got shut down. This is just a RIDICULOUS and UNPROFESSIONAL approach in any way look at this situation. In the attachment you can find the Credit Card Account Closure letter from Bank of America which I received a few days ago and you can see that they have provided ABSOLUTELY NO SINGLE REASON of why my account got shut down. 
Today I was checking the XXXX XXXX  app. I realized that a XXXX XXXX  was added to my Credit Report and that the Credit Score with XXXX HAS DROPPED FROM XXXX TO XXXX ( XXXX POINTS!!! ). THIS IS ABSOLUTELY UNACCEPTABLE!!! Why should I, my XXXX XXXX and History be affected by someones IRRESPONSIBILITY and UNPROFESSIONALISM?! I would also like to inform you that I have submitted a dispute on myEquifax as well, but the text limit on their dispute page is very limited, so I was only able to explain them the situation in 2-3 sentences. In the attachment you can find the ( 1 ) myEquifax Credit Report Dispute confirmation, ( 2 ) Screenshots from XXXX XXXX app and the ( 3 ) Credit Card Account Closure letter from Bank of America. 

Thank you in advance!
Consumer complaint received 2024-01-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Premier Capital Investment Group (NJ)

My vehicle was repossessed by Premier CapitolXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH in 2022 while visiting my sick father in New Jersey XXXX I was unable to get back to Ohio and get back to my place of employment and lost my job as well as my place. The company failed to provide any documentation on where and when my vehicle was for bidding and was unable to retrieve my car. I also called to make a payment and was told I was unable to make a payment because I've paid late in the past. I was one payment behind at this time of repossession. I never received any disclosure form giving me an option to opt out of my personal information being disclosed to this third party as well. My personal belongings were also left in there as well such as XXXX XXXX medication, prescription glasses, and household items. I would like someone to look into this and to help me and is there any documentation I can request from them. This has lowered my credit score and I am trying to fix my credit.
Consumer complaint received 2024-01-23
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Lendmark Financial Services (TN)

The loan wasnt for me and or the bill doesnt come in my name. I have been threatened repeatedly, calling relatives asking where I work, even when it was notified by the company that it wasnt in my name or the vehicle is no longer.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I do not consent to electronic communications. I request all responses be in writing through the XXXX I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED Bankruptcy XXXXXXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MD)

HI I have closed my checking account with chime ( chime.com ) Routing numberXXXX Checking Account number : XXXX because their banking system seems to be fraud business and not allowing me to take my money out without having their debit card. 
I have deposited XXXXXXXX XXXX from XXXX checking account to XXXX account, I found it is not a good banking system, so I closed it on XXXX XX/XX/XXXX. 
while closing account, I have talked chime employees, they said, the company will send check in mail in XXXX  days, its been more than XXXX months, I never received it and the chime people saying, I am not eligible for refund, the money I added from checking account, they are not giving me, this is clear day time fraud in USA by a financial company.

this is complete nonsense, fraud business, I request you to send my closed account balance XXXX XXXX  to me
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$23.00} XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$420.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

Resurgent Receivable LLC Opened : XX/XX/year> Balance : {$1600.00} ( COLLECTION ) In accordance with the Fair Credit Reporting act. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, 15 USC 1692c, and 15 USC 1692g ( b ). 
This company RESURGENT CAPITAL has violated my rights I do not have a contract with this company or did i sign any agreement. THIS IS A EXTORTION. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

-Someone used my information to retrieve products from this company without my consent. This account is unauthorized/ unverifiable and also not validated legally.
Consumer complaint received 2023-12-26
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (GA)

I requested to have my monthly payment lowered because my husband was XXXX XXXX XXXX in XXXX of XXXX,, and I was laid off from work on XX/XX/XXXX. I explained that we have extremely high medical bills. I explained that my husband was XXXX for XXXX weeks and he had a XXXX XXXXXXXX. I also explained that he will be going through XXXX until at least the XXXX of XXXX. However, I was told that nothing could be done to adjust the monthly payments because iI have a payment plan that could not be adjusted for any reason. I was also told that I would go into default if I missed a payment. I requested a forbearance and I was told that it wasn't possible. I have been paying my credit card bill every month for over XXXX YEARS and Wells Fargo is refusing to offer any assistance during a crisis. I absolutely can't afford to pay {$360.00}.
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

I am requesting the removal of an account from my credit report as the charges were made more than 7 years ago. I was affected by Hurricane Harvey and had to evacuate my home during the time these charges accrued. However, the company continued to make frivolous charges. I tried to explain this issue in XXXX, but they did not show any understanding. The debt amount is {$120.00}. I can provide documents to prove that I was affected by Hurricane Harvey at the time.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the presence of a fraudulent account on my credit report. Despite my previous efforts and submission of evidence regarding identity theft, these erroneous entries continue to persist. It is my understanding that the failure to address this matter violates regulations governing credit reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX / XXXX XXXX.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC (CA)

Credit Management Company reported an open collection XX/XX/2023 without previously notifying me by mail, email, or telephonic contact. The account in question had been removed from my credit report three years ago after working with XXXX XXXX in disputing this debt.
Consumer complaint received 2023-10-29
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Colony Brands, Inc. (MI)

I have tried numerous of times for the last XXXX years contacting these companies to no avail. I now has opened up another claim with the ( FTC ) Federal trade commission my report number is... XXXX I put it in on XX/XX/2023. I have a representative helping me at XXXX. His name is XXXX ... .his information will be listed down below. I also contacted each of the companies that are in question to no avail. EVERYTIME I call their company they either hang up on me or say... .JUST PAY THE BILL. THESE STORE CARDS WERE OPENED FRAUDULENTLY WITHOUT MY KNOWLEDGE. I HAVE BEEN CALLING THESE COMPANIES FOR OVER 2 YEARS NOW, THAT IS WHY I AM OPENING A NEW CLAIM SINCE I HAVE SOMEONE HELPING ME NOW. I CAN'T GET ANY HOUSING OR NOTHING, AND I AM HOMELESS RIGHT NOW. HERE ARE THE COMPANIES THAT ARE INVOLVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

There is a collection on my credit report called " XXXX XXXX XXXX '' they claim to be from XXXX for insurance on a car. 

I never had a car or owned a car and never had insurance on a car. This collection is wrongfully reported on my credit. 
I tried disputing it with buearau directly but it's still on my credit report. 

This is illegal and being reported illegally. 

As per the law, the credit bureau has to verify that this is mine and has to provide me with any documents or signatures or anything showing that this in fact is an account I signed up or reliable for. 

I never had such account. And this is highly damaging to me. Please remove this as soon as possible or provide me with all documentations that you obtained to determine that you are allowed to report this on my credit. 

Thank you!
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I disagree with the accounts listed below which still appears on my credit report ; even after your Investigation. Iw ould like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score : XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) and XXXX XXXX XXXX XXXX  ( Account # XXXX ). In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection! -D, please provide the names and business address of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-01-21
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLIANT CREDIT UNION (FL)

Alliant Credit Union has been reporting information to XXXX, XXXX and XXXX without my consent since XXXX of 2021. I have been wanting to Opt-out of having my information shared with these Credit reporting Agencies. However, Alliant Credit Union does not give their members or former members the opportunity to Opt- out according to their privacy notice on their website. According the XXXX XXXX XXXX the information given to XXXX, XXXX and XXXX is considered nopublic personal information, therefore sharing it with a non affiliated 3rd party without giving me the option to opt-out violates the privacy regulations.
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

I payed off my three credit cards with a 1099 A throw the IRS and it was payed in full and they are showing its still not payed for, I sent the three agencies letters totally proving to them its payed for but no change .... and they have to take a 1099a or coupon by law all debt are prepaid ....
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX  XXXX Balance : {$970.00}.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX