davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
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. (TX)

In accordence with the fair credit reporting act # 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 2023-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Please refer to complaint # XXXX. 

this message is to advise the CFPB that Bank Of America has not contacted me since the last time they called me to inform me that they had already paid 2 of the fraudulent checks for {$4500.00} each with a total of {$9000.00} as well as an amount of {$3500.00} that was stolen from my checking account. However, they still have NOT PAID for 2 more transactions, one is for another fraudulent check, A THIRD ONE, for {$4500.00} and an authorized withdrawal for {$130.00}. When I realized that they have not paid such Transactions and I had not heard back from them in 2 weeks, I decided to call Bank of America at the phone number they provided ( XXXX ) where I called multiple times and left Multiple messages with XXXX and XXXX the BofA Employees in charged of my case. to be exact I Left a total of 5 messages and they have not called me back nor returned my messages in over 2 weeks. It seems to me they don't want to pay for the other 2 transactions of {$4500.00} and {$130.00} that they still haven't paid for. and they are waiting for the 60 days to pass and expire which makes me very nervous and unhappy! Please see attached documents 3 checks not 2 ) I also called CFPB and spoke to Blanca about this situation but she advised me to wait till the 60 days. 

I have had many negative experiences with Bank of America in the past and I just don't trust the bank anymore! I NEED YOUR HELP TO RESOLVED THIS PLEASE!!! 

Sincerily, XXXX XXXX
Consumer complaint received 2023-09-14
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: Experian Information Solutions Inc. (VA)

I have recently checked my credit report and noticed that there are about 9 inquires on my report. Majority of them are inaccurate. I have filled out a FTC report with the inquires that are inaccurate as i have not authorized these companies to run my credit. Only XXXX is the inquiry is accurate the rest are not.
Consumer complaint received 2017-03-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I received in the mail from my mortgage company Citizens One Home Loans, a document stating that I owe {$2300.00} on Escrow. My loan is set up for me to pay my own taxes. I paid my summer taxes on time, but I did n't pay the winter taxes until after they where due. When I realized it I paid them as well. I send them a copy via fax, proof of payment, with the loan number, and the parcel numbers on them. Now I have received from them on XX/XX/XXXX a new letter stating that, I will have to pay and additional {$190.00}, because they have not gotten proof, of payment of my XX/XX/XXXX taxes, which was sent XX/XX/XXXX. They are now saying that I need to pay the additional payment until they can research the information, and the next payment must include the additional {$190.00}, on my account will reflect partial payment and it will be reported to the credit burial. 
Thank you XXXX
Consumer complaint received 2023-06-22
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. (NY)

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 # XXXX, Account name : 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 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 2024-03-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (AL)

I bank with chime they let someone steal all my money off my account denied my dispute..then talk to me XXXX hang up the phone..the lady XXXX said that all XXXX trying to do is get over on them .that was a XXXX remark.because I ask for my money..so really need help recovering all my funds..
Consumer complaint received 2023-12-13
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: EQUIFAX, INC. (OH)

I was taken advantage of due to malpractice while your company broke several laws under FCRA. You've hurt my financial ability to attain credit. 15 U.S.C. 6805 was amended by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 to give the CFPB primary responsibility for enforcing the GLBA 's consumer protection provisions for certain financial institutions. Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were reporting 100 % correct. As you can see on the attachments I've provided for evidence none of the credit reporting agencies have all the same inquiries. The CFPB has issued guidance suggesting that CRAs should not report excessively granular payment history. This emphasizes the need for a balance between providing sufficient information for credit assessment and respecting consumer privacy. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. You Violated the United States Code Law 15 U.S.C. 1681g ( a ) ( 5 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter. No agency shall disclose any record that is contained in a system of records by any means of communication to any person, or another agency, except under a written request by, or with the prior written consent of, the individual to whom the record pertains 5 U.S.C. 552a ( b ). I did not give written or oral consent to any company to disclose any of my non-public personal information.
Consumer complaint received 2023-12-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SANTANDER HOLDINGS USA, INC. (CA)

I purchased a car on XXXX, I paid for it in full, and received the title and registration. The title and registration I was given had no lienholder on it. I went ahead and did a smog, went to the DMV got my registration, and got my title. After a while I decided to sell the car, I went to XXXX, and XXXX told me there was a locator hit on the car by Santander USA and that I could not sell the car and had to contact them since there is a lien. After calling Santander 50 times, they finally asked me to send over my documents which I did after they saw the title which is in my name, and the registration which is also in my name with no lienholder they are refusing to release the lien from the title. I contacted the previous owner and he told me he never financed the car and he paid for it in full also. I want Santander to remove the lien they have on my car, I have never financed this car, their issue is with whoever financed it not me. If they would like to buy my car back from me that's okay too, I will sell it for {$10000.00}. Santander has me in limbo and every time I call they say they can't give me any information because I'm not the account holder, of course, I'm not I NEVER FINANCED THIS CAR.
Consumer complaint received 2023-12-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (SC)

my information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items removed and deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. please help me delete these illegal accounts from my credit reports. 
lvnv funding llc XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-12-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

Citibank closed my account in late XX/XX/2023 for unknown reasons and failed to mail a check for the balance of {$990.00} nor my XXXX social security payment of {$850.00} that was deposited into the supposedly closed account per the Treasury department. I'm still receiving emails for my account statements, which makes no sense as Citi indicated that the account would be closed within 60 days and a check would be mailed. It still has not been mailed as of XX/XX/XXXX.
Consumer complaint received 2020-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America has had my account under review since XX/XX/2020. I can not access my SBA loan due to review. I currently have {$83000.00} frozen in Bank of America. If funds are not released soon I could go out of business.
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NY)

I have been disputing incorrect information on my credit report. XXXX is especially one account that is reporting that should be deleted. Today I attempted again for the 3rd time to access my experian credit report online using report # XXXX. Again I was directed to link that they are unable to allow me to view my report. It states if I have a dispute I can write them or call experian again. Experian is not doing a proper investigation on the XXXX item I am disputing they just keep responding that is it updated. I am furious at this point because I have paid this company in full 3 years ago and I should not be reporting as a XXXX balance but then marked as a charge off to a bad debt. I am trying to fix these wrong items that are reporting as it is affecting my credit score but I ca n't even view my credit report online through experian even with a report number. I am not calling them again because I am always told the same thing plus I have to wait on hold to even speak to a rep. I am very close in obtaining legal advise and suing experian for reporting false and wrong information on my report. I am submitting this complaint XXXX last time in hopes that they ( experian ) will delete this account. I was also told from an experian rep awhile ago that XXXX did not respond from my last dispute and it would be deleted being they did not respond. I explained that they will not respond because they are no longer in business so this should have been deleted months ago. I should have had this account even charged off to a bad debt to begin with because they were paid in full. No wonder they are out of business they are very dishonest. I am submitting this complaint in hopes that I will get an updated credit report.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2023 I contacted the collection agency ( XXXX XXXX XXXXXXXX XXXX ) reporting the account to Transunion, in order to verify and correct the information reference ACCOUNT XXXX XXXX BY XXXX XXXX XXXX. However, the company did not provide any verification of the identity reference the account being reported to TransUnion. They sent a rebuttal and credit card statements as verification and validity of debt. 

Therefore, I contacted the original credit which is listed as XXXX XXXXXXXX for verification of identity and debt validation associated with the account. I received a letter listing the account information on file. However, the social security number associated with the account is not my social security number, the name is not my legal name and they did not provide a copy of the signed contract for me to further investigate. 

I forwarded this information to the collection agency, but they are refusing to delete and update the information on my credit file. I have attached a copy of the response received from the collection agency, as well as a verification letter from the original creditor CONFIRMING THE ACCOUNT DETAILS DO NOT MATCH MY FILE. 

I am in the process of reviewing my credit file, updating and correcting information. I have attached a copy of my social security card, my drivers license which serves as a valid ID, to support that the last four of the SSN associated with the account, per the original creditor is NOT MINE.
Consumer complaint received 2023-04-11
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. (GA)

Account XXXX is inaccurately reporting on the credit reports associated with my social security number and violate my consumer rights per the following information : There are several inconsistencies between the credit reports from XXXX, XXXX, and Experian regarding the account in question. These inconsistencies violate several sections of the Fair Credit Reporting Act ( FCRA ), including sections 623 ( a ) ( 2 ), 623 ( a ) ( 5 ), and 623 ( a ) ( 8 ). 

XXXX reports the account as " Unknown, '' while XXXX and Experian both report it as a " Revolving '' account with a " XXXX account '' detail. This discrepancy violates the FCRA 's section 623 ( a ) ( 2 ), which requires credit reporting agencies to ensure the accuracy of the information they report. 

Additionally, XXXX reports the account as " Closed, '' while XXXX and Experian both report it as " Paid. '' This discrepancy may violate the FCRA 's section 623 ( a ) ( 5 ), which requires credit reporting agencies to correct or delete inaccurate information within a reasonable time period. 

Furthermore, XXXX reports the " High Credit '' as {$0.00}, while XXXX and Experian report it as {$100.00}. This discrepancy may violate the FCRA 's section 623 ( a ) ( 8 ), which requires credit reporting agencies to provide accurate information about the credit limits and high credit amounts of consumer accounts.
Consumer complaint received 2017-02-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: ENCORE CAPITAL GROUP INC. (WV)

I was called on my personal cell phone asking if I was someones wife, I said yes. This man from Midland Credit Management out of California starts telling me details about everything on my husbands past due account, and requesting payment from me to settle his debt, and asked me specifics about why my husband could not pay his debt.He goes on and on about how he sees there was a specific payment and the amount a previous month, but the payments were faulty after then. After I got home I asked my husband if he received a call or if they had permission to speak with me and he said that he never once gave them permission nor did he receive a call to ask for permission to discuss his account with anyone. I was surprised and a little taken aback because there is privacy that everyone is entitled to and he certainly did not receive it from that company.
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Neon Newco Corporation (UT)

In XX/XX/XXXX I attempted to log into my account on the card companies website. I received a message there was a problem with my account and to contact customer service. I emailed customer service who informed me there was a " temporary restriction in your account. '' They said they were unable to assist me via email and to call customer service. When I called customer service they were unable to verify me over the phone, and did not resolve me issue, including restoring my access to my online account and my ability to access money in my account. 

On XXXX XX/XX/XXXX I again tried to regain access to my account. I called customer service and spoke to four different agents who were unable to verify me over the phone or restore online access to my account, and therefore the ability to access the money within it. I gave them my account number and my card number. They asked me questions about the account such as the date and amount of last direct deposit. Seeing as I have not been able to access the account for years, I did not remember this information. They then forwarded me to the automated phone system, which asked for my card number or social security number. After entering it, I would get forwarded to an agent who would again be unable to verify me, and the cycle would repeat itself. 

I asked the agents if there was another way to verify myself or regain access to my account. They all said no, so i still do not have access to money within my prepaid checking account. I asked to speak to a supervisor. I was not connected to a supervisor and my issue was not resolved.
Consumer complaint received 2018-12-18
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2018, Wells Fargo allowed a thief to cash my {$14000.00} NJ State XXXX XXXX check. 

On XX/XX/2018, having learned that the money was stolen, I simultaneously sent an affidavit of forged signature to the State of NJ Treasury Department, and to Wells Fargo President XXXX XXXX, requesting that my funds be restored. 

On XX/XX/2018, having walked into a Wells Fargo branch, I spoke on the phone with a Wells Fargo Resolution Team. Their " resolution '' was that I could not report the crime to them, and they would have to wait for the State of NJ to forward my affidavit to them by regular mail. 

On XX/XX/2018, I received a letter from XXXX XXXX, a Wells Fargo corporate officer, telling me that a resolution would be sent to me within ten days. She also said I would be in contact with XXXX, the Wells Fargo associate handling my complaint. 

On XX/XX/2018, I spoke with XXXX from Wells Fargo. He refused to give me any information about my case and its status. 

On XX/XX/2018, a resolution letter was sent from XXXX XXXX of Wells Fargo. Her resolution is that she and her company will not tell me anything about this case. Wells Fargo ( as earlier ) designated me as a third party, to whom they will give no information about the restoration of the funds they lost. She directed me to make all contact with the maker of the check ( i.e. the state of NJ ). Please note : I have been in contact with the NJ Treasury Department multiple times. They have told me they rely solely on Wells Fargo 's investigation for a resolution. 

On XX/XX/2018, I spoke with a representative of the NJ Treasury Department, who called Wells Fargo. They told her the money would be restored in 60 to 90 days from XX/XX/2018, when they opened the investigation. 

On XX/XX/2018, at XXXX XXXX, I spoke with XXXX from the Claims Department of Wells Fargo. She said that the money would be restored in 60 to 90 days from when Wells Fargo first opened their investigation, on XX/XX/2018. 

On XX/XX/XXXX, I again spoke with XXXX, giving him the information for the local police detective handling my case. 

On XX/XX/XXXX, I again spoke with XXXX. He refused to acknowledge providing information to the police. 

On XX/XX/2018, I again spoke with the NJ Treasury Department, who again called Wells Fargo. Wells Fargo again reaffirmed that they would restore the money they lost in 60 to 90 days from XX/XX/2018. 

On XX/XX/2018, Wells Fargo sent a letter again refusing to offer any information about the case. This letter claimed they had already resolved my issue, citing a previous letter ( XX/XX/XXXX ) that had also refused to do anything. 

On XX/XX/2018, I again spoke with XXXX, the Wells Fargo associate handling my case. He again refused to offer any information. 

Wells Fargo promised on three occasions that the {$14000.00} they lost would be restored within 60 to 90 days after their investigation began on XX/XX/XXXX. However, the money is still outstanding.
Consumer complaint received 2023-12-14
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: EQUIFAX, INC. (NY)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2023-12-13
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I received a {$350.00} American Express eGift from my company that is useless. What I thought was a welcome gift coming just in time for the holidays to help buy my daughter gifts quickly turned into a nightmare when I realized the card doesnt work anywhere. I tried XXXX, XXXX XXXX, even several gift card website in hopes of being apple to transfer the balance with no luck. Ive literally spent 3 hours trying to get the card work. I also called customer service with no help and the website does not include which I think it should a list of merchants that will accept the card. Im literally sitting on holiday gift money I cant use and it saddens and frustrates me!