davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

A couple of weeks ago I received a personalized checks from Merrill Lynch. I was puzzled as I never had any dealing with XXXX  XXXX XXXX, so I decided to visit one of their branches in DC close to my work to inquire about the account details. There I was directed to speak to a XXXX  XXXX  Advisor, XXXX XXXX XXXX who informed that XXXX accounts had been opened on my name, one in Florida and another one in Mississippi in the month of XXXX. I inquired about how the accounts were opened, and what kind of information the person who opened the accounts had provided to them to make it possible to open the accounts. He then proceeded to contact the central office and got in touch with someone who informed him that they have had a surge of fraudulent online account openings recently, and they had already closed the accounts. When I asked about the ID presented to open the accounts, they informed me that because the accounts were opened online, they did not required IDs. This I know is a clear violation of the XXXX XXXX XXXX XXXX XXXX ) rules and regulations. Even if the account were opened online, they should have requested appropriate identification before proceeding with the openings. I was told that they were going to take the necessary measures to clarify the situation, and they were going to contact me later with updates. XXXX weeks later, I never received any communication from them. Just yesterday I received a debit card associated with that account, and today I got an email notifying me that I have been enrolled in mobile banking. I strongly believe that XXXX  XXXX XXXX should comply with the XXXX regulations before allowing fraudsters to easily open accounts, and take over the identity of hard-working consumers.
Consumer complaint received 2023-05-03
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: EQUIFAX, INC. (MI)

XXXX XXXX repoted that I replied for credit in which I never heard of this company when I reached out to them they didnt have my SS # or my birth date the date they are reporting this on XX/XX/XXXXXXXX XXXX XXXX is reporting that I applied for credit I. Which I never finished the application they started reporting on XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LJ Ross Associates (MD)

I am responding to your business reporting a debt you are trying to collect. You reported on all three credit bureaus XXXX, XXXX as well as XXXX by postal mail, on XX/XX/2023, and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 
Tell me when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (LA)

On XX/XX/2022, there was a transaction made from my account with an amount of {$1900.00} and I did not recognize that transaction. I told my credit card company and gave them all the documents they requested and still, I was told that the dispute was not resolved in my favor. I feel that the investigation was not conducted properly. Then I made a payment of the same amount but it was not reflecting on my account. So I contacted the company and they sent me an email saying that they were able to locate it but they never posted it on my account. I have not only been charged with the amount but also charged twice because my payment was never reflected on my account even though the company was able to locate it. This whole thing has impacted my credit score badly and the company is not listening to me.
Consumer complaint received 2023-08-23
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. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (FL)

My dad passed away XX/XX/XXXX. Insurance company cxld Ins and sent letter to them XX/XX/XXXX. Chase notified me XX/XX/XXXX that there was no insurance on house from XXXX. As soon as I was notified I got insurance. Chase is now backdating coverage and charging me for something I was never notified of. They backdated insurance policy to XX/XX/XXXX. They did this in XX/XX/XXXX.
Consumer complaint received 2017-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (UT)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2018-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (NY)

I received a letter on XX/XX/2018 that Barclays bank closed my 2 person cards due to " your history of account usage '' Multiple calls to the bank has yielded no explanation as to what I had done wrong, and why exactly my accounts were closed. I have been a loyal upstanding customer with no missed payments, and have been wrongfully shut down.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (TX)

My name is XXXX XXXX, and I have been a loyal customer of Woodforest National Bank for over 12 years. I am reaching out to you today because I am deeply concerned about the recent denials of my loan applications and lines of credit. Despite my long-standing relationship with Woodforest and my impeccable credit history, I have encountered repeated difficulties in obtaining personal and business loans and lines of credit from your institution. Most recently, my applications for the Executive line of credit and the Business revolving line of credit were denied without explanation. As a customer with well over XXXX figures and an exceptional credit profile, including personal credit scores ranging from XXXX to XXXX, and a business credit score of XXXX out of XXXX, I find it perplexing and disheartening to be repeatedly denied credit opportunities from Woodforest. I have never exceeded my credit limits on any credit cards I have with other institutions, and all my payments are made on time as my credit report will show. Given my financial stability and creditworthiness, I can not help but wonder if these denials may be rooted in discrimination. Your institution has full disclosure to view my statements and bank account being that I bank with you, so I am confused. I am confident that my qualifications far exceed the requirements for the requested lines of credit, and I am committed to working with you to address any concerns or issues that may be hindering my access to credit. I am eager to discuss this matter further and explore potential solutions that would allow me to continue my banking relationship with Woodforest National Bank. I am willing to provide additional documentation, undergo further review, or explore alternative options to demonstrate my ability to manage credit responsibly. Please consider this as an urgent request for a thorough review of my loan denials and an investigation into any potential discriminatory practices. I am hopeful that we can find a resolution that is mutually beneficial and preserves our longstanding relationship. I can be reached directly at XXXX, and I have attached copies of my personal and business credit reports for your reference. I am interested in a line of credit between XXXX for my business. Thank you for your attention to this matter, and I look forward to your prompt response.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I pulled my credit report to make sure everything was correct. When viewing all 3 reports from XXXX, Equifax, XXXX and they are all reporting differently. Listed below is all the categories that show differently amongst all 3 bureaus. I sent a letter informing XXXX XXXX informing that the information that was presenting on credit reports is showing differenky on XX/XX/2023 and again XX/XX/2023. I would like for XXXX XXXX to make sure all information reporting is corrected. I have already sent a letter to the bureaus to either update the account to reflect correctly or delete per per TITLE 5. PROTECTION OF CONSUMERS OF FINANCIAL SERVICES CHAPTER 391. FURNISHING FALSE CREDIT INFORMATION Listed below are all the categories showing differently : Date opened Last verified account status payment status comments date last payment no. of months ( terms ) Payment frequency
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAVALRY INVESTMENTS, LLC (FL)

This account according to the creditor was opened on XX/XX/year>. I do not know this account and never opened an account with XXXX XXXX XXXX XXXX XXXX. This account does not belong to me and this is fraud.
Consumer complaint received 2024-01-08
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Remitly, Inc. (TX)

i NORMALLY SEND MONEY TWICE A MONTH TO FRIENDS OVERSEAS AND THE COMPANY IS NOT LETTING SEND BUT HAVING ME AS ANSWER QUESTION AS HOW LONG I KNOW THIS PERSON AND WHAT THE MONEY IS USED FOR AND THIS HAS BEEN GOING ON FOR 4 DAYS NOW AND I CAN NOT SEND ANY MONEY. THE COMPANY IS CALLED REMITLY.COM AND I HAVE BEEN USING THEM FOR SEVERAL YEARS.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to file a complaint against XXXX XXXX concerning their handling of my credit card account after my XXXX  XXXX XXXX account was compromised due to a data breach. 

Before the closing my XXXX  XXXX credit card account, I contacted both XXXX  XXXX and XXXX  XXXX XXXX and arranged a conference call to ensure that XXXX XXXX was fully aware of the situation. Despite this, XXXX XXXX reported inaccurate information regarding my usage and balance to the credit bureaus. This occurred because XXXX  XXXX XXXX closed my account and rejected my credit card payments. 

I request your assistance in resolving this issue and correcting the inaccurate reporting.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

15 U.S.C 1692c. Communication in connection with debt collection a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX local time at the consumer 's location ; ( XXXX ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( XXXX ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: ALLY FINANCIAL INC. (MI)

I received a fraudulent text message from an fraudulent phone number impersonating XXXX. I clicked the link and provided my Ally Credit Card information for a redelivery fee. I then realized it was a XXXX SMISHING scam. 

I called Ally Credit Card to report that my credit card information had been compromised and waited on hold for 25 minutes to talk to a customer service representative / fraud department. Suddenly the hold music ended but the phone call was still active. I said " hello '' " hello '' etc. and no one was on the line. 

I sent a follow up email to ALLY Credit Card indicating it's ridiculous that I can not reach someone to report that my credit card was compromised. I still need to have this card replaced but am unable to connect with the fraud department to report it
Consumer complaint received 2023-12-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: PNC Bank N.A. (PA)

In XX/XX/2017, we signed a home equity loan with PNC Bank. In retrospect, we determined ( and we can prove it ) that due to our XXXX, XXXX, and social backgrounds, plus our dire financial situation at the time, PNC Banks agent manipulated us to hastily sign an adjustable rate loan when we clearly taught we were engaging for a fixed rate one. 
For the past 10 months, PNC has been giving us the run around, in an obvious refusal to recognize the patent fraud. 
The bank has many other predatory practices which we have been victims of and we have documented them.
Consumer complaint received 2024-04-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (NY)

The vehicle that is related to this loan was stolen almost 3 years ago. After a highly numerous attempt of contacting the car agency and loan company, I have been unsuccessful trying to get this loan off my credit report. Not sure on how to move forward. Hoping this will allow me to get the report to the company and get this debt off my credit.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

( See attachments and supporting documents ) XXXX, Experian, XXXX shows bankruptcy filed in my name on my credit report, has NOT produced any evidence of documentation that has my signature, showing I filed for a bankruptcy at anytime. This is false and must be deleted immediately from my credit report. Showing XXXX filings. There is no documentation and I did NOT file ANY bankruptcy filing. 
Please send me supporting documentation that has my SIGNATURE where I signed these documents OR DELETED, REMOVE and UPDATE my credit report you keep in my name and forward a copy of the UPDATED REPORT to my address you have on file
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NV)

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.

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 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

PLEASE REMOVE FRAUD ALERTS AND EXTENDED FRAUD ALERTS FROM MY EXPERIAN PROFILE XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX
Consumer complaint received 2023-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (TN)

In XXXX of XXXX XXXX & XXXX, attorneys for LVNV Funding garnished my wages for {$1000.00} for case number XXXX. This was fair as I owed that. In XXXX XXXX I got garnished again from the same case that I had already been paid in full for the out of {$880.00}. I got garnished XXXX times for the same account. This is embarrassing as well as my credit score went down.