davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-29
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: Experian Information Solutions Inc. (OH)

My data was involved in various data breaches, XXXX Data Breach, XXXX Data Breach, and Experian Data Breach. I have a number of unauthorized, inaccurate, and imcomplete accounts on my credit report that are hurting my reputation with the banking system. I am looking to get a mortgage very soon and these unauthorized and inaccurate accounts are hurting my chances. I did not consent to any of the unauthorized accounts or inquiries. This is unfair and inaccurate reporting that must be fixed immediately. I demand that you remove all inaccurate accounts immediately. Ive mailed in disputes more than a month ago and I still havent been responded too by the XXXX Experian or XXXX.
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This is my second complaint. I have had to visit Bank of America in person to have this issue resolved. I am the victim of identity theft. I have frozen my credit reports and with XXXX ; nonetheless, another account was opened in my name ending in XXXX. I received a debit card for this account via mail and hence, learned that an account was again opened fraudulently. I received an email from Bank of America that a bank account application was in process yet again. When will Bank of America start to check identification before allowing criminals committing fraud to easily open accounts online in the name of victims of identity theft? Why is it that when I call Bank of America I am told that there are no accounts in my name, but when I visit a local branch, I am told otherwise, that in fact there is an account open in my name? Why must I take time off from work to visit a local branch to have these issues rectified? At this point in time, I am done attempting to have this issue handled through Bank of America. I am contemplating seeing an attorney unless this matter is resolved permanently. Bank of America should show a greater level of concern for fraud - after all, it not only the victims of identity theft being swindled, but their very bank.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX Collection Agency Name : XXXX XXXX XXXX, In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to Experian, XXXX, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Consumer complaint received 2023-12-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

This debt collector continues to try and use area codes the same as mine to make it seem like a local caller. There are thousands of complaints online just in my rural Nevada area code of XXXX. If you block the number they just call the next day with a different number. I have no debt after losing my paid off home during XXXX lockdown. Unable to collect back rent from tenants made it difficult to pay taxes while waiting for unemployment.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

I have inquiries on my credit report that I am unaware of. I tried to resolve the issue with the creditors but there was no resolution. 

XXXX XXXX XXXX XXXX  ) attempts XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  ( XXXX ) attempts XX/XX/XXXX ( XXXX ) attempt XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act TransUnion 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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (TX)

Progressive insurance sent an outstanding bill to collections. this was done in error as we had XXXX XXXX  policy cancel and another begin and they did not cancel the policy so there was a balance. We were never made aware of this. They acknowledge this and backdated the policy and even gave us a refund plus extra money. They said to call the collection agency and show them documentation and they could update the credit report. We call the collection agency to complain because they too never notified us ( most likely cause progressive admitted to giving the wrong contact info ) and sent it to credit report. XXXX fixed their end and said work with XXXX XXXX XXXX to fix the credit report. To date no fix to our credit report has been done. I asked how they reached out they said they called but did not provide a valid phone number to me. Just want credit fixed.
Consumer complaint received 2024-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (TX)

On XX/XX/2024 my XXXX XXXX app accused a collection on the amount of {$2400.00} from a debt collector named AMSHER COLLECTION SERVICES and the creditor being XXXX XXXX XXXX XXXX I have contacted XXXX  's Fraud protection team and filed a Mobile fraud claim over the phone. Days later I received a Letter on the mail acknowledging my identity theft complain and noted the account has been deemed fraudulent and the balance is no longer attributed to me. And that they would request the collection agency to cease collection efforts and notify the credit bureaus. ( This letter is Attached ) Today is XX/XX/2024 and I have received a Letter from Amsher requesting a list of documents including an official police report, a notorized and signed affidavit plus a lot of other time consuming tasks. 

I have gone through all this hassle last year with another identity fraud case, my credit was and has been frozen for over 12 months, but this seems to be a never ending battle. And I simply can't afford to stop my days to collect all this paperwork. 

Please have these company effectively remove this collection from my credit report. 
Thank you, XXXX XXXX
Consumer complaint received 2024-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Acceptance Company (CT)

I was contacted by Commercial Acceptance Co. about a bill they said I owe them, my response to them was to prove to me that I owed the debt in a validation letter I sent to them so I could validate the debt because I didn't give consent to a third party about my medical personnel information at any time, anyhow they tried to say that I owe them. 

I fell my legal rights were violtated under HIPPA laws under the Fair debt collection practices act FDCPA and health insurance problility and accountability Act under HIPAA laws, this information went start to the credit bureaus XXXX, XXXX, and XXXX impairing my credit score.
Consumer complaint received 2023-04-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT. 
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT UPDATED.
Consumer complaint received 2023-09-21
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: EQUIFAX, INC. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Paramount Recovery Systems, L.P. (TX)

Paramount recovery has called me numerous of times. They called me on XXXX XXXX XXXX XXXX XXXX in the XXXX. I answered one called and they couldn't Identify me. They wanted me to tell my name. I didn't acknowledge them. I hung up the phone. They submitted an collection on my credit report. Please help me with this situation. 
Thank You XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Monterey Financial Services LLC (NC)

I am writing to file a formal complaint against the XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) and MONTEREY COLLECTION SEVICE ( Original Creditor : XXXX XXXX ) for negatively reporting a debt on my credit report without my knowledge. Despite multiple attempts to contact the company, I have received no response. 

Upon discovering the debt, I have found several inaccuracies in the reporting. The Date Last Active, Date Opened, Date Last Reported and Account Status are all incorrect, impacting my mental health, credit-building efforts, and credit applications.

I have diligently followed the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in addressing this matter with the company to no avail. The situation is now severely affecting my financial well-being, and I am compelled to seek resolution through legal avenues.

I kindly request your immediate intervention to rectify this matter and ensure the removal of the inaccurate debt from my credit report. Your assistance is crucial in restoring fairness and accuracy in accordance with the FCRA.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (GA)

I recently received notification from Marcus XXXX that my savings account had been closed without prior notification on XX/XX/year>. Upon contacting customer service several times since XX/XX/year> and undergoing identity verification through security questions, I was informed that my identity could not be verified in their system even though I was able to provide all the information they asked such as security questions. I communicated that while I no longer require access to my savings account since it has been closed, I am seeking clarification on when the funds will be transferred back to my checking account within the Marcus system. They have repeatedly assured me that they will contact me regarding verification within 1 to 3 days, but it has been 5 business days and I have yet to receive any communication from them. The amount on the account was XXXX USD +APY %. I have to make a payment for my living, but Marcus is holding my money for no reason.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I have not used my wellsfargo account for awhile to save the money. However, XX/XX/XXXX, I received an email my account reached XXXX XXXX. I was surprised and logged in and saw fraud transactions under merchant name XXXX. The merchant took out {$22000.00} from my checking account! I have never used that merchant and called the company right away and called the wellsfargo to stop my account. However, I received an update from wellsfargo fraud department saying the charges were valid. I was shocked! How is that valid when I did not used my wellsfargo account for awhile and money was gone without my consent. Please reimburse my fund, I need that money for my start up business.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AZ)

Hello, Please find the hard inquiries that I have never provided consent for entered in my Experian Credit Report. I would like CFPB to instruct the EXPERIAN to remove them asap as they were entered without my consent and acknowledgment. Please find the name of merchants and date the inquiries were entered into experian. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/2019, I applied for an Amex Sky miles XXXX card and got approved immediately, they pull my XXXX credit report. I decided to look at other credit card offers that I pre qualify for on the website which was the XXXX  and XXXX XXXX  credit card. Altering submitting in the application, I was denied. The same day I contacted the customer service line, to find out what was the reason. A rep stated I had several collections and my ut is very high, I stated to her that incorrect. I waited a week later because I was told I will get noticed in mail however I didn't. 2 days ago I contacted there customer service line and was transfer to the reconsideration department where they will manually review my account and get back to me and will pull my credit again. No one ever got back to me so I decided to call and to hear bad new they will not consider my application even though I was told yes they will and will run my credit again. my credit is over 740 's, I have zero collections, I have less than 2 credit inquires .... with that being said I will decline there reason for denial. Consumer where born with open end credit which means creditors should not deny us credit. 15 US 1691, says we shall not be denied or discriminated when it comes to approval of credit. I feel as if they have no valid reason of denial and this is unlawful.
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA (CO)

I filled out an application on Marcus.com on XX/XX/2023. I filled in all of my personal information including social etc. They told me I was approved and I uploaded front and back of my Driver License per their request. It is showing on my XXXX credit report that GOLDMAN SACHS BANK USA did a soft check. I called ( XXXX ) on XX/XX/2023 about 5 days after and spoke with XXXX Supervisor  named XXXX, who was rude, he explained to me that the only information in their system is my name. They can not find my application. I am extremely concerned because they asked me to fill out another application after they already ( lost?, stolen?, deleted? ) my information. I will like to know what happen to my information and make sure there is any fraudulent activity going on with the company.
Consumer complaint received 2024-01-27
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I received a letter with the return address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX addressed to me at my home address. 
The letter was on Bank of America Letterhead with their offical looking logo in the right corner. 

The letter stated the following : XX/XX/XXXX This notice is provided to you as the named account holder for a prepaid debit card ( " card '' ) issued by Bank of America , N.A . ( " we '' or " us '' ) on behalf of your state 's agency responsible for XXXX XXXX  or-other benefits payments. 

After a recent review of your card account, it was determined that fees related to calls you made to Us may have been inadvertently charged to your card account. amount of crediting your card account in {$2.00} to reimburse those fees to you. We apologize our service did not meet your expectations.

If your card account is closed or you would like to request a check for the remaining balance of your card, including the amount we have credited to your card account, you may call us at XXXX, XXXX hours XXXX days a week, to request a check. 

If your card account is blocked, we can work with you to see we can release the block on card account, which may include asking you questions or asking you tO take other steps to authenticate your identity. Please call us at XXXX, XXXX hours a day, days a week, you are interested in seeing if we can release this block on this card account and assist you XXXX accessing any funds remaining in your card account, including the amount we have credited your card account. 

The footer of the letter had the following identification marks : XXXX ( left footer ) XXXX ( right footer ) I contacted BoA and they were unable to locate my name or SSN in their database. I do NOT recall opening an account, applying for any type of state benefits. My only interaction with BoA was in XXXX, my employer provided us with a prepaid debit card for work expenses during a work trip. I returned the card to my employer and have not used in since XXXX. 

I believe this to be a fraudulent letter. I did not call any numbers listed on the letter, rather I contacted BoA through official channels.
Consumer complaint received 2024-04-01
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, as provided by your bureau. Upon a recent review of my credit report, I discovered an unauthorized account that I believe to be the result of identity theft. I have already contacted the bank associated with this account XXXX XXXX ago, and they assured me that they would remove it from their records. It has come to my attention that other credit bureaus have already deleted this fraudulent account from their records, raising concerns about the accuracy and timeliness of your bureau 's reporting. Despite my efforts to rectify this issue, the account continues to be reported on my credit report by your bureau. To support my claim, I have filed a complaint with the Federal Trade Commission ( FTC ) and have provided documentation to the bank regarding the fraudulent nature of this account. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX