davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
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: Advance Bureau of Collections (GA)

Advance Bureau of Collections placed a {$6400.00} collection on my credit report for a debt related to an apartment in XXXX. I disputed this with XXXX, XXXX and XXXX requesting a verification of the debt that was not received and all three bureaus stated the investigation proved the debt was mine. On XX/XX/XXXX I contacted the debtor via phone requesting documentation that I indeed owed monies to them and was told my file could not be located but that the computer showed a balance. I then contacted the collection company whom stated that they do not have documentation outside of an invoice from the company but would not provide me with the documentation. I also requested a payment plan to try and resolve but was told I would not receive the payment plan in writing, as they did not provide any such documentation. I then contacted the debtor and requested that collection activities cease immediately due to no proof of debt/proof of payment plan. Neither has cooperated. 

15 U.S. Code 1692g - Validation of debts States that b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Consumer complaint received 2023-07-10
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. (MA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (GA)

XXXX and XXXX of XXXX  I called the company and asked if they would remove the late reporting from my account they advised me that they could not do that. I advised them that I had changed banks and did not realize the payment was from the old account. until XXXX. They advised me that there was nothing they could do.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THESE UNAUTHORIZED HARD INQUIRIES AN UNAUTHORIZED COLLECTION ACCOUNT ON MY CREDIT REPORT WHICH IS HINDERING ME FROM GETTING APPROVE FOR MY NEW HOME PLEASE HAVE THIS RESOLVED AND REMOVED ASAP.
Consumer complaint received 2023-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I made an appointment with Bank of America financial institutions on XX/XX/2023 after several phone calls to bank of America financial institutions and being recommended to visit XXXX XXXX XXXX XXXXXXXX Bank of America branch..

I spoke to a manager Bank employee name XXXX XXXX and he informed me that he could not find my account and i did had provided a copy of the court documents granting access to my personal bank account and he insisted that he could not find the account... .he said that he will talk to the other employees..banker to see... .because the XXXX banker was out in XXXX... 
XXXX XXXX email address : XXXX Other banker email Address : XXXX XXXX and no one has call back and after I call I was informed that XXXX XXXX had not find my account ... ..that was last spoke to the Bank of America Financial Institutions
Consumer complaint received 2023-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I open a account with truist on XX/XX/2023 a couple days later I deposited a check for {$3000.00} iny account which they froze in said it would be available in a couple days I have p.o.a..they cashed it but it's still not available to me I can't take the check no where else because its been cashed at truist in they still haven released my funds in closed my account they haven't told me any thing but its under investagation
Consumer complaint received 2024-01-17
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. (MA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-01-18
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. (NY)

EQUIFAX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries reported was fraud. Said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry and Said accounts previously disputed with the CFBP ( # XXXX & XXXX ) was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer we ink signature. Consumer is Not asking for an e-oscar report. If EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX commission file number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX I will be filling form 211 treasury omb forms to audit consumers account. EQUIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. Also company stated that I did not send them information showing what I disputed. In my previous CFBP complaint, I sent proof of the accounts that i disputed previous to this complaint and the company still has not corrected the information that i requested and this company has violated the debt collection law in New York State, the statue of limitation on debt collection on any debt that is not a business loan is 3 years. I have accounts that has been reporting since XXXX and XXXX, XXXX etc.
Consumer complaint received 2018-08-08
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. (CA)

On XX/XX/18 I applied for a XXXX card ( pre-approved ). During the application process, there was a disclaimer stating that applying for the card would be subject to approval and that doing so would NOT impact my credit score. I was asked for only the last 4 of my SSN, and as a prior XXXX XXXX member, the disclaimer seemed legitimate. However, I found out that XXXX did a hard inquiry on my Equifax credit report. I did not agree to this. If I had known about the hard inquiry, I would have thought twice before applying. The " will not impact credit score '' disclaimer is completely false. 

On XX/XX/18 I contacted Equifax and opened a dispute ; however, I was told this wouldn't do anything since it was not an inquiry due to fraud. Equifax instructed me to contact XXXX. I contacted XXXX/XXXX  and they said they couldn't do anything about it. After I pressed for a credit resolutions department, XXXX/XXXX provided me a XXXX XXXX for their Credit Risk department. I mailed a letter requesting they remove the hard inquiry as they had an inaccurate disclaimer on their website. I also stated I would be filing a CFPB complaint as this disclaimer during the application process is completely misleading. 

Unfortunately, I did not think I needed a screenshot before hitting " submit '' on my application. I submitted my application in good faith, trusting that the statements on the application were true and accurate. I don't think it's fair that XXXX/XXXX misleads its consumers, negatively impacting my credit rating in the process.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have been trying to get the credit bureaus to remove inaccurate information on my credit profile and they have sent me continuous stall letters each time I mail a request, nothing is being done. I have sent them proof of who I am each time using my ID and a current bill and they are still telling me that I am not who I say I am.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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

Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

I am a 100 % service connected Veteran, and in the state of FL this makes my property tax exempt. I have confirmation of NewRez receiving my tax exemption on XX/XX/XXXX and again on XX/XX/XXXX. They still continue to collect hundreds of dollars every month that I do not owe. On XX/XX/XXXX XXXX XXXX with NewRez told me that if I get her my XXXX tax notice with the non-ad Valorem taxes she would work with the tax department to correct it. I instead got a bill showing my mortgage going up. I called again yesterday and today. No one is willing to correct it. XXXX XXXX who identified as a supervisor in the tax department started threatening me as soon as he got on the line. They are mismanaging my VA loan and illegally charging me more than what I owe.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

after looking into my credit file I realized that there were addresses attached to my account that were not my physical address I am unaware of these accounts also and have reported this problem to all parties asking that they remove these inaccurate detail on my file
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

When looking at my credit report I found that there was a major error on my account. I am suffering from extreme XXXX  due to this. I need to buy a new car and this error is causing big problems for me in my relationship because it is preventing my partner and I from getting our new car. I need this error removed immediately, my rights are being violated and I demand these inaccuracies be corrected at once.
Consumer complaint received 2024-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

Credit Collection Services has sent multiple letters and statements claiming that I owe them an amount of money that has yet deemed to be proven. I have never used Credit Collection Services, I have never received a service from them and I am being contacted frequently for collection of money for a debt that is not mine. I have disputed this account and Credit Collection Services has never shown any signed agreements or contracts with my signature. My credit report has been reported negatively due to false reporting of this unknown debt/account. I demand that this be removed from my credit report due to inability to prove my ownership of this debt.
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On or about XX/XX/24 I tried explaining that I knew I was late but due to a XXXX XXXX XXXX XXXX XXXX, was experiencing difficulties as I was also in the midst of hurricane repairs so some things, like all my payments, including utilities, were unfortunately a mess as a result of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Bank of America has repeatedly has shown no understanding and recently I reported a gentleman for rude, hostile, behavior and refusal to try to understand and work with me because I wouldnt do it his way after explaining what stress does to a person with XXXX and having tried on numerous occasions to get some compassion, knowing Id been a customer for XXXX years and until recently have consistently paid my balance each month. This has happened, I believe, during the aftermath of Hurricane Ian. The lack of and refusal to do other than read their standard scripts in cases like mine, knowing I have XXXX. 
I would suggest BOA understand they are violating my rights as a person with a XXXX. I will pursue legal action if I must against their vicious retaliation to my finally filing a verbal complaint so here we are. 
I eagerly await their response.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CREDIT ACCEPTANCE CORPORATION (MD)

Account XXXX XXXX XXXXXXXX Credit Acceptance - this account was pai d in full back in XXXX or XX/XX/2023 - XXXX is still not reflecting all three bureaus need to show I NO LONGER OWE ON THIS LOAN BECAUSE I TRADED MY CAR IN WITH XXXX - I PAID THE CAR IN FULL IT NEEDS TO BE REFLECTED WITH XXXX XXXX XXXX AND XXXX
Consumer complaint received 2023-10-03
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: LEXISNEXIS (GA)

I have previously disputed XXXX XXXX  bankruptcy discharged/ Reference # XXXX XXXX  with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court, and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

I am writing this letter to ask for help in a claim I have with Chase Bank, since they have denied it twice. 
It turns out that someone made several transactions totaling {$3900.00} with a debit card in the state of Georgia, on XX/XX/XXXX and XXXX. 
Chase XXXX department tells me that I myself went to the branch located at XXXX XXXX, and XXXX XXXX. In XXXX XXXX, on XX/XX/XXXX to order a new debit card and have it shipped to an address in Georgia. Which is not true since I have only lived in XXXX XXXX CA. 
In fact, I went to that same branch on XX/XX/XXXX to deposit a check, but when I inserted my debit card, my pin that I always used was not accepted. XXXX, who helped me, asked for help and I was told that my debit card had been canceled and a new one had been sent. But I asked why?, if I hadn't done any of that. Then they said that they were going to cancel that card that was sent and that they were going to send me another one. In fact, I received a card that I couldn't use after activating it, because it declined. 
On XX/XX/XXXX, working in XXXX XXXX CA. I went to a chase branch to get help with that card. And they helped me change the account profile because they said my account was compromised, but they couldn't send me a new card yet. 
XX/XX/XXXX is when I became aware of Georgia 's transactions and called Chase. And they made me change the account profile once again. 
The person who made these transactions in the state of Georgia was able to request the card, and was even able to transfer money from my savings account to my checking account. 
the chase 's fraud department denied me the claim because the they found the transactions were genuine. 
I think Chase is responsible for taking care of people 's money. I don't know what else to do, to get Chase to resolve this issue for me. 
I hope you can help me. 

Thank you.
Consumer complaint received 2024-01-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GLOBAL CREDIT UNION ()

To summarise the events to date, I lived in Alaska  XXXX, during which time AK USA Federal Credit Union was my only bank. When I left AK in XXXX, I maintained that bank account and made my last deposit into it in XXXX, shortly before I moved overseas. Since I have been overseas, I have contacted AK USA annually to learn the interest income to enter onto my US tax return. During each phone call I have told the AK USA representative that the reason for my call was that I was unable to access the information electronically and that I was living overseas. AK USA e-mailed me this information in XXXX, but all other contacts have been by phone, most recently ( before this year ) in XXXX. 

At no time did any AK USA representative give me an inkling that my account status was in jeopardy. No AK USA representative told me that my account balance would be remitted to the state if I did not make any withdrawals or deposits. AK USA has also been sending me regular e-mails with XXXX XXXX, none of which I have ever been able to open. Neither by e-mail or by phone or by letter was I ever informed that my money would be anywhere other than in the bank to which I had entrusted it. 

Yesterday when I made my annual phone call to AK USA to learn my interest income, I learned the outrageous news that my money had been remitted to an unspecified state ( it took an hour for the bank representatives to learn that the state was AK ) in XX/XX/XXXX. I asked what help AK USA ( whose name I did not know had been changed to Global Credit Union ) would help me in getting me back my money. I never had any knowledge or gave any consent for this money to be removed. During the course of the 2-hour XXXX call , I was placed on hold multiple times, told that the research team was out to lunch ( at XXXX AK time ), and ultimately given two websites and wished the best of luck.