davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
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. (NC)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately. 
XXXX XXXX Balance : {$1900.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1700.00}
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TX)

XX/XX/2023 I received an email that both my checking and savings accounts had been closed. I had no idea this would be happening and the account had the only money I had. Between $ XXXX {$2500.00}. They gave me no motive that my account would be closing and offered no options to give me access to the money on the account. That was my rent money and I have now been issued an eviction notice. When I reach out to chime they are unable to tell me why the account was closed or if my check has been mailed. I am homeless because of this! I need to know if my check has been mailed and to what address!
Consumer complaint received 2023-08-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (FL)

I applied and received a Citi bank card where I could do balance transfers with no interest for 24 months. 
I transferred a XXXX balance .and an XXXX that is XXXXXXXX XXXX XXXX I was unaware at the time XXXX did not allow balance transfers. 
Upon looking at the Citi account there was a transfer, but it was not my account. I spoke with customer service several times and also wrote a letter of demand in XXXX to remove the XXXX transfer and reimburse me transfer fees. 
Each inquiry was given a 30 days to investigate. 
Each month XXXX, XXXX & XXXX customer service said it would open a 30 day investigation. I have not had the transfer removed and no communication from Citi. 
The last communication I was told to report my Citi card lost or stolen and this would freeze the account. I did not do this. I want that transfer removed and reinbursed the fees charged.
Consumer complaint received 2017-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

Situation Outline : I n 2016  we had a water leak in our home that turned into flood. The water did significant damaged and was only noticed when mold started appearing on the ground floor.     No doubt you are aware of the mold problems California has, this was further complicated by of partners   XXXX   XXXX       We immediate moved to remediate the problem and engaged our insurance company to make a claim against our home owners policy.     The insurance company assessed the damage, we completed the remediation and repaired, and the insurance company paid the claim via cheque.     Unfortunately the insurance company insisted that the cheque for the claim be made payable to my partner and I, and our mortgage company.     We contacted the mortgage company explained what had happen, outline the insurance claim and explained we had a cheque in hand that they needed to endorse so we could cash the cheque and cover the cost of the repairs.     The mortgage company insisted that we endorse the cheque and mail to them for deposit. They provided a documented process that explained that they would help us managed the remediation and they would distribute the money via payments to any contractors that worked on our home.     We explain to the mortgage company that we had expedited the remediation and repairs and they were complete because : - Dangerous nature of the damage - Water and Mold - Expert advice from flood remediation experts that Time is of the essence to avoid further damage or complete destruction of the home - Potential increased cost due to further damage and detrition of the home - Need to make the home habitable to minimize alternative accommodation costs - Need to reduce any health risks my partner We have reported all of this to the mortgage company and started asking for a completion inspection as per their documented process they provided to us with.     We have received no communication or contact from the mortgage company or their agent to complete an inspection. We have written to them dozens of time to try and get them to engage.We are carrying a {$25000.00} balance on a credit card for the repairs and remediation that they have the insurance claim cheque to cover. The interest is over {$500.00} per month.     We desperately need help with these folks and the name of an attorney we can engage to recover our mounting costs.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

Dear Equifax : After reviewing your response to my dispute letter of charge-off account. 
1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please ensure that all information is accurate. If not proven delete this immediately. 
2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please ensure that all information is accurate. If not proven delete this immediately. 
3. .Unacceptable How can you say its verified when theres a lot of information is inaccurate XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX I have received additional relevant information for you to fix this inaccurate charge-off account. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the XXXX  attorney general, attorney general in your state, Consumer Financial Protection Bureau, Justice Department, Office of Comptroller of Currency, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Advocates for Fair Credit Reporting. 
1. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant.

2. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again.

These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged.

Im carefully tracking all correspondence with your company.

I think 30 days should be long enough for your company to complete this investigation. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-12-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I am sure you are aware of 88 Stat. 1514, and FDIC 6000 Consumer protection ch.4 Sec 161-173 [ Codified as 15 USC 1666 A-J ] all under the terms and defined The Fair Credit Billing Act and my rights as a consumer. I am disputing the amount on my statement you send me every month. How can I pay a positive amount? The credit balance is in a positive amount. I am fully aware that you send me a statement every month and this statement is my dividend check from Lexus Financial Services for the interest I have earned, as a result Lexus Financial Services is trading my securities on the exchange. This has been done without my knowledge and constitutes that XXXX XXXX XXXX XXXX  XXXX XXXX XXXX is committing SECURITIESFRAUD against me which is an automatic federal offense under XXXX.R. 5037 2018, Pub. L. 116 Stat. 804 [ Codified as 18 U.S. Code 1348. ] USC Title 18 sec 8 & HJR 192- All debt is government obligations.15 USC sec 1681 b 2 - Company is violating my consumer right to privacy.
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I started receiving mail from Bank of America regarding a checkinh account I never signed up for. THis account was made in my name without my permission and I would like to be compensated for my stress and worries regarding this issue.
Consumer complaint received 2023-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (NY)

I have been working with Edfinancial since XX/XX/XXXX to submit a fraud request to the Department of Education for loans that were opened in my name as a result of identity theft. I emailed Edfinancial on XX/XX/XXXX at XXXX providing them with a police report as well as other documentation, they claimed the department of education will need 3 months to review documentation. 

I received a call earlier today XX/XX/XXXX from Edfinancial ( representative XXXX XXXX claiming that they denied the fraud packet because they could not read the police report, they claimed the whole page was black. Edfinancial previously stated that they submitted the fraud packet to the department of education. I am not sure if the document was submitted to the DoE since this is at least the second of third time that I have resubmitted documents over email that are clearly legible. 

I am attaching the police report here and would appreciate it if someone can confirm if the fraud packet was submitted as well as confirm why Edfinancial is negligently delaying this fraud investigation, if the documents were blacked out why didn't someone address this months ago?
Consumer complaint received 2021-10-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (TX)

Some clone my card and was able to withdraw money and make transactions. When I card to report fraud. I was told that they didnt find any errors and I couldnt get my money back
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I file multiple of disputes with equifax. Equifax, keep reporting an auto loan ( XXXX XXXX that was never late/paid on time ) they keep reporting a delinquent status on this account? But it has no late payments. I have try to correct this account for 6 months. Initially, they removed the negative information and added it back on my account the next day. However, I am now still waiting for them to update this once again. I will attach proof of this information into this complaint.
Consumer complaint received 2023-11-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RAS LaVrar, LLC (NC)

I was served with notice of two lawsuits for my debt this company is trying to collect. I call to set up a payment plan. I gave them my routing and checking account number for the company to set up recurring funds transfers. I was told that I would receive an agreement via email and I had to sign the agreement before they would file anything with the court. I never received the agreement. I now have an attorney working to renegotiate a lump sum settlement- I felt it was necessary since I never received the paperwork I was supposed to sign to stop the lawsuit from pending. When I contacted the company to ensure they would not draft my account since I had not received or signed anything, I was told that I verbally agreed and they were going to draft the funds and I couldn't change that. I told them I would let my attorney handle it and I do have the funds in my account to be drafted. I have not placed a stop payment because I'm afraid doing so will prevent my from being able to settle the lawsuit. I believe setting up a recurring electronic funds transfer without a signature from me is a violation of Regulation E ( 12 CFR 1005.10 ( b ) ) and I should have been able to stop the transaction from occurring since I had not received or signed anything. I also believe they are intentionally holding back the paperwork that would allow for the court case to be dismissed. Thank you.
Consumer complaint received 2023-07-04
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. (IL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XXXX XXXX XXXX, I visited the Capital One branch in XXXX VA. I am a longtime Capital one account holder. My father XXXX XXXX XXXX a few weeks ago, and I just received the life insurance policy check from XXXX. I went into the branch and spoke with a teller who deposited the life insurance check into my checking account ending XXXX, and was told half of the funds would be available tomorrow, and the other half available in a week. 

I just received an email that the entire amount of the life insurance policy check deposit is on hold until XX/XX/XXXX with no reason being given. I called in to Capital One customer service and they were not willing to give me any information on why my check deposit is being held for two full months. 

My dad XXXX. I need his life insurance money to help pay for his funeral. I even went to the trouble of depositing the check via a teller vs. ATM to ensure that there werent issues, and the teller assured me everything would be fine. I now can not access the funds from the check deposit for two full months for no reason.
Consumer complaint received 2023-08-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

I have conducted the payment in the amount of XXXX USD from my account with XXXX XXXX account of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXXXXXX XXXX XXXXXXXX was designated under the XXXX XXXX XXXX. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to XXXX. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, XXXX may not locate the records of the blocked payment.We tried to contact JP Morgan Chase Bank via XXXX from XXXXXXXX XXXX  asking them to clarify if the payment was blocked and reported to XXXX and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds.
Consumer complaint received 2021-10-19
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. (IL)

I have on my credit report with Experian, 43 soft inquiries, made by Experian from XX/XX/XXXX through XX/XX/XXXX, without any authorization from me. 
I did contact them today XX/XX/XXXX, at XXXX XXXX, at their phone number ( XXXX ) XXXX, and their representative told me that soft inquires do not affect my credit score.

Either way, that affects or not ( I do not know ), they do not have any authorization or reason to be making 43 inquires on my record. 
I could provide a copy of my report, where it shows all the dates of these records.
Consumer complaint received 2023-03-23
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. (NC)

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 : DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX 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 2023-11-21
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: GOLDMAN SACHS BANK USA (NJ)

On XX/XX/2023, I purchased a comprehensive " move-out cleaning '' package for my apartment and paid for the purchase using my Apple Card. Shortly after the job was " finished '' I inspected the quality of the service, and more than XXXX of the apartment was NOT cleaned or even touched. Immediately I contacted the company ( XXXX XXXX ) about my dissatisfaction, but they refused to offer monetary compensation. Following this, I initiated a dispute with Apple Card/Goldman Sach 's whom did not perform a thorough investigation into the matter.

I have several photos of the unclean apartment and eye witnesses including the landlord of the complex which can testify about the condition of the apartment. Unfortunately, it looks like Goldman did not look at the facts objectively given there is an overwhelming amount of material suggesting the apartment was not in fact cleaned to a reasonable satisfaction.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (VA)

Urgent Compliance Notice : Immediate Attention Required for FCRA Violations I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information. 
As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - " Permissible purposes of consumer reports, '' it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information.

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court. 
I urgently request that XXXX conducts a thorough investigation into this matter to address the FCRA violations promptly. As a consumer, I am well-versed in my rights under the FCRA, and I trust that XXXX will take the necessary measures to rectify this situation in compliance with the law.I have taken the necessary steps to report this breach of the FCRA to the Consumer Financial Protection Bureau , the Attorney Generals Office , the XXXX XXXX XXXX , and the Federal Trade Commission . This escalation is aimed at ensuring comprehensive resolution and to prevent further misuse of my personal information. It is my hope that by involving these regulatory bodies, we can facilitate adherence to legal standards and protect the rights of consumers like myself.
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America owes me 2 checks and I want them sent out to me immediately I do not have 90 days notice v waited 3 years to get this resolved then when it is resolution telling me my lost checks were cashed all of a sudden and it took them a year to give me this information now they want an additional 90 days my bills are due past due as well and I am asking for a temporary credit to my account for the inconvenience so I can meet my dead line on the XXXX XXXX yiu  have all documents I sent over which is why my claim was honored in my favor I am requesting credit until resolved for the lord and misleading information as well as for the losses and Bank of America admitting fault for these issues as well as my funds missing iv spent to many years on this its very devastating I need to keep my property stable so Im gone need a credit to my account or check expedited to me please