davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDMAN SACHS BANK USA (TX)

I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I received proper notification please provide the certified mail and receipt with my signature on there stating that I received it. No 1099C form received.
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I wrote a check for my XX/XX/2023 rent for {$2600.00}. I wrote the check to my landlords trust fund name XXXX XXXX XXXX as i do every single month and somehow some unknown person cashed it. 
I had to pay my rent again that month plus a late charge of {$75.00} ; my claim with the bank was to get $ XXXX {$75.00} refunded. 
Check FraudXX/XX/2023XXXX I went to a bank 's branch to get the claim documents notarized, the bank employee personally faxed the paperwork to the fax # indicated on the claim documents ; this happened on XX/XX/2023 around XXXX PST. 
Today, XX/XX/2023, I received the second denial letter for my claim. The reason for denial states 'we never received your claim package '. 

I called the Bank of America claims department multiple times, escalated the matter, told the customer service representative to check that they have received all documents and yet again they denied the claim due to not receiving the documents. 

1. BofA needs to refund my money that was cashed in error that the bank didn't have a measure to prevent an unauthorized party from cashing it.

2. Why is it so hard to find the freaking documents faxed to them and review the claim properly?

3. I should not be chasing my own money. It's not my fault that the bank failed a critical step of identification and let a wrong party to cash my rent check that was meant for my landlord.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-05-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against PORTFOLIO RC for Violations of Consumer Rights Dear CFPB, I am writing to formally lodge a complaint against PORTFOLIO RC for engaging in practices that violate my rights under federal law, specifically under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 


Violations Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide validation information about the debt. Despite my request for such information on XX/XX/2024, PORTFOLIO RC has not provided any validation of the alleged debt. 


Premature Reporting to Credit Bureaus : Without providing the required validation information, PORTFOLIO RC has placed a collection account on my consumer report. This action violates my rights as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ), which states that consumers must be given a chance to dispute the account before it is reported.

Use of False, Misleading, and Deceptive Means : PORTFOLIO RC has violated my consumer rights by using false, misleading, and deceptive means in their attempts to collect this debt, contrary to the provisions of the FDCPA.

Unauthorized Reporting to Consumer Reporting Agencies : According to 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), a collection agency must provide all necessary disclosures before furnishing any account information to consumer reporting agencies. PORTFOLIO RC has furnished account information without complying with these legal requirements, constituting a clear violation of these statutes. 


Requested Resolution I request that the CFPB take the following actions to address this issue : I am Requesting Debt Validation from PORTFOLIO RC I am Requesting Purchase Agreement between PORTFOLIO RC and the original creditor I am Requesting that PORTFOLIO RC furnish proof that they are Licensed and Bonded Investigate the practices of PORTFOLIO RC and enforce appropriate penalties for any violations of federal laws. 
Require PORTFOLIO RC to cease all collection activities on the disputed debt until they provide proper validation as required by law. 
Ensure that PORTFOLIO RC removes any and all information related to this alleged debt from my consumer report until the proper validation and disclosures are provided. 
Prevent PORTFOLIO RC from engaging in further communication with me through email/text/call. 




Thank you for your attention to this matter. I look forward to your prompt response and resolution of this complaint.
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (VA)

Called Truist as to why they charged {$3.00} on my business checking account. It showed as force pay debit. I received no letter with explanation. They could not tell on their side that it was a bank assessing the fee and had me on hold for 2 hrs with the fraud department and then they just asked me at the end to go to a branch. I still do not know true issue. They didnt tell me what the {$3.00} was for and would not confirm on the phone if it was a fee from the bank.
Consumer complaint received 2023-12-20
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: AMERICAN EXPRESS COMPANY (NY)

On or about the late XXXX early XXXX I noticed some unauthorized transactions on my credit card account. I paid the account unaware of the additional charges, then cancelled the payment. Ive been waiting 8 months for them this account. But they keep insisting I pay the account until the investigation is over. Yet every time they call, I ask for arbitration and my calls are dropped. As a result of their failure to properly address this account and refusal to allow me to seek resolve and thier continuation of breaching the agreement for unauthorized transaction. Theyre attempting to intimidate me to pay these charges and if I dont, theyre charging me interest on the account, reducing my usage across other non related accounts, reduced my credit usage, reduced my credit rating, threaten to close the account, refuse me access to other accounts with Amex, threatening to send the account to collectionsand refusing to allow me to make contact with arbitration.
Consumer complaint received 2024-05-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MA)

DEAR XXXX ; I am not accountable for the original company XXXX XXXX XXXX, and I have never entered into any contractual agreements with the collection agency XXXX. I have raised a dispute regarding this matter with the credit reporting agency, and they have affirmed the validity of the account based on your confirmation. However, I firmly believe that I have no association with either the collection agency or the original creditor. Moreover, there are multiple inaccuracies in the reporting of this account, which contravene the FCRA and FDCPA laws and regulations.

In an earnest attempt to resolve this issue cordially, I must request substantiation of this debt, specifically the alleged contract or any other documentation bearing my signature, along with proof of your authority in this matter. In the absence of such evidence, you are obligated to rectify any erroneous reports of this past debt attributed to me. 

I am formally requesting the following information : Please provide documentation demonstrating your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in relation to this alleged matter.

What legal basis authorizes your collection of information?

What legal basis authorizes your collection of this alleged debt? 
Kindly present evidence of your authorization to conduct business or operate in this state. 
Please furnish proof of the alleged debt, including the purported contract or any other documentation bearing my signature. 
I request a comprehensive account history, encompassing all charges added for collection purposes.
Consumer complaint received 2023-03-24
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-12-15
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (SC)

I received a phone call from XXXX XXXX XXXX XXXX today while I was at work. She was crying because she stated that someone from FCO called and threatened to take her to court over a debt with XXXX XXXX XXXX XXXX in XXXX, SC. I lived their and she co-signed for me because my credit was not good enough. I had communicated with the apartment property manager in an email that I would make payment arrangements when I am able to. I was out of work for 3 months due to being diagnosed with a XXXX XXXX and I was not receiving a paycheck. I moved out when my lease ended and it left a balance. I was not able to pay because I was not getting a check and I was denied unemployment. They have not sent me a letter in the mail or tried to contact me. They contacted my mom and they threatened her. These tactics should not have been used and they should have tried to contact me in writing or call me. The apartment complex had my phone. 

The apartment complex new that I was on XXXX XXXX I communicated with them over and over when I was living their that I was diagnosed with XXXX XXXX, I wasn't working, and I was getting a pay check. I even told them that I was denied unemployment. They kept threatening me with eviction notices. They were never kind enough to help or give me a break. The send nasty emails and basically all they could say is I am sorry that you are going through this. It was very stress and caused a lot of XXXX XXXX and stress.
Consumer complaint received 2023-06-01
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. (TN)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance XXXX {$3600.00} XXXX XXXX Balance XXXX {$7100.00} XXXX XXXX Balance : {$3600.00}
Consumer complaint received 2024-05-19
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (AR)

I am formally writing this complaint because I noticed during my quarterly review of my accounts listed in my consumer reports, an account with COMENITY BANK has been charged off with the 3 national consumer reporting agencies ( XXXX, XXXX, and XXXX ) since XX/XX/year> which is more than 5  years. That statute of limitations to collect debt on this account in the state of Arkansas per Arkansas Code Annotated ( ACA ) 16-56-111 is 5 years and 3 years for medical debt.
Consumer complaint received 2023-12-15
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. (LA)

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. 

DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$34000.00} DOE XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$5500.00} DOE XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$6100.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$41000.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$14000.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$6400.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$210.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$41000.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$5100.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$25000.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$38000.00}. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX XXXX XXXXXXXX with account # XXXX and a balance of {$27.00}. The original creditor is XXXX XXXX. 
XXXXXXXX XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there. And some of them are reporting inaccurately and are fraudulent account.
Consumer complaint received 2023-12-15
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. (GA)

XXXX XXXX, and Experian are reporting incorrect information about accounts that have been opened up fraudulently in my name even though they have sufficient evidence showing that this is true, such as a police report.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America has unpaid debt amount that I dont owe on my credit report. Which is a negative mark on my credit and is violation to the fair credit reporting act. They refuse to remove this negative remark off my credit and refuse to show validation of evidence that this debt belongs to me when it doesnt. I have sent a letter to early warning and Bank of America themselves asking for this negative mark to be removed that I dont owe.
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I bank with Bank of America and I recently thought I got hired on by a company that turned out to be fake but they sent me a check for my work and I thought it was real and I tried to cash it and how I realized it was fake and how I realized the company was fake when the check didnt go through and they went ahead and close my account. They did not talk to me or nothing. They didnt give me a notice. They didnt even try to let me explain.
Consumer complaint received 2023-12-15
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. (MO)

My identity was stolen by my ex XXXX XXXX, she allows her new boyfriend to get a fake ID in my name however, my name was spelled wrong on the ID the XXXX  spelled my name XXXX XXXX and not XXXX XXXX. They use my information to get goods, services and loans, when I was made aware of this I was told how to lock my credit report so no one can use it. I filed a police report and advised the credit report agencies, that the account via XXXX XXXX auto loan was a fraudulent. However, they never took it off my report so I saw it still on my credit report advise them and they saying that XXXX XXXX said it was factual or something so they gave me their number I called them and advised them but still nothing has happened.
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

A dispute was submitted on XX/XX/XXXX for several ATM transactions that were not properly dispensed. No money was dispensed on each attempt, instead the ATM displayed an error message to contact your financial institution. The transactions are as follows : {$500.00}, {$500.00} and {$200.00} on XX/XX/XXXX. {$200.00}, {$200.00}, {$200.00}, {$200.00}, {$200.00} and {$200.00} on XX/XX/XXXX. An attempt was made to rectify this problem with the merchant but was told to contact my bank. TD bank ultimately made the decision to deny the disputes only 1 day after they were submitted, without citing an explanation for doing so. On XX/XX/XXXX an attempt to retrieve additional evidence was made. TD was not able to formulate how their decision had come about. No ATM logs could be located to verify authenticity of their decision. As a XXXX XXXX XXXX for, XXXX XXXX XXXX XXXX, I am very knowledgeable about Regulation E and the guidelines it entails. It is my belief that TD Bank is in direct violation of XXXX XXXX and they are not committed to their duties of putting their customers first. Again, I feel like no effort was made in this dispute process. How can a decision be made in 1 day?! Thats not even enough time to retrieve the ATM reports. Someone has dropped the ball and it could be costing customers their hard earned money! I am filing this formal complaint asking that an investigation be conducted immediately into the banks practices regarding federal regulations! I will also be seeking to retain an attorney in this matter. Absurd and ridiculous is what this is!
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

There are hard Inquires on my report, cards I do not have, things I don not recognized or thing that I have but are still showing as a inquire and is impacting my credit score.
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: Financial Credit Network Inc (WA)

Account : FINANCIAL CREDIT NETWORK XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report shows this account was opened XX/XX/XXXX. The account status is paid/closed as of XX/XX/XXXX. The responsibility is as individual, and the original amount was {$310.00}. This account states that the original creditor name is : XXXX XXXX XXXX XXXX. I have no knowledge of this account. I have no knowledge of XXXX XXXX XXXX XXXX. I have no knowledge of FINANCIAL CREDIT NETWORK. Remove this account from my credit report at once. I have never in my life heard of, nor done business with any of these companies.
Consumer complaint received 2023-12-15
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. (GA)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX : {$1300.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-12-15
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. (CA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of : XXXX XXXX
Consumer complaint received 2024-04-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (PA)

A check was deposited in my savings account on XX/XX/year>. This check was in XXXX. The bank used the wrong exchange rate. On XX/XX/year> I was told that the exchange rate should be as of XX/XX/year>. I accepted that, but still the bank won't adjust the rate.