davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

This is my second complaint towards Bank of America because still to this day they still have not removed the Fraud Alert from XXXX. So basically to sum things up I was scammed in XX/XX/2015 and we all know being scammed is the worst feeling in the world and top it all off I lost out on a car and my bank account and to make it all worse Bank of America place a fraud alert on my social in XXXX. I just feel like they should have been a little bit more understanding towards the situation. I never withdrawed any money from the account so they didnt take a lost. After submitting this complaint I am going to follow up with a email to the CEO of Bank Of America, because not only can I not get another account with them but they black balled me so cant get an account with any other financial institution for the next 5 years I promise to never do business with them ever again I will never recommend their products or services to anyone as well. And to add Injury to insult they lied in the report that they submitted which I will upload which says that I withdrawed money from the account after the bogus check was deposited thats a lie im sure they have surveillance of each and everytime I entered the bank. They have to prove that without a doubt that I withdrawed this money.
Consumer complaint received 2023-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/XXXX both of my credit card accounts were closed. I made payments promptly and never had a late payment for the entirety of card ownership. Fast forward to the next year and I recieved preapproval letters from Capital One for another card so I applied and was instantly approved. A couple days later on XX/XX/XXXX Capital One again closed my account and restricted all access. From all of my cards, I never recieved my rewards balance despite having earned them through made purchases. I exhausted all channels of customer service to reopen my account unsuccessfully. I did not violate any terms of my agreement and Capital One refused to acklowledge that nor give me a reason as to why my accounts were closed. I was in absolutely great standing with Capital One until the week after XXXX when my cards were locked and later my account closed. They refuse to provide the exact code or line of the agreement that was violated because there was no justification in closing my accounts much less offering me another card, blacklisting me and closing that too. It was completely unethical.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX Report # 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 can not furnish a account without my written instructions
Consumer complaint received 2023-12-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Levy & Associates, LLC (OH)

XXXX XXXX Levy and Associates, XXXX Ohio improperly assigned a garnishment on me, and concretely, with evidence, XXXX credit card paid and closed. 
This credit card was reported stolen/lost, on XXXX documents , re-opened, and the identity thief authorized himself as user. I never received any card or information about this from XXXX. The charges from XXXX  forward, are for, mostly, XXXX XXXX XXXX XXXX. I do not play games or gamble. 
Therefore, I did not have a card or number. 
The card is in the name XXXX. 
XXXX in WI. Residing in IL. XXXX confirmed this name ( XXXX ) was the holder. 
The attorney, XXXX, for Levy is fully aware of this.

I requested they fix the credit reporting and remove all from court filing. Send all documents, etc. Levy employee, XXXX  stated, no. He stated release was filed XXXX, by XXXX. False. The docket, did not show the release, as of XXXX. 
I suspect, clear harassment and My loss and damages via one of the attorneys XXXX, are malicious and willful, conflict of interest, clear, abuse of authority, misappropriation, and crimes against my rights and due process/justice. 
I told XXXX, I have ID theft affidavit, etc The entire matter is wonton fraud. 
I am not the debtor, I suspect the company ignores all laws, riules, regulations regarding fact checking. Legal sham process.
Consumer complaint received 2023-12-16
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: Resurgent Capital Services L.P. (NV)

This date that is shows this account is incorrectly reported on my XXXX report it says I omen this account in XXXX off XXXX  with XXXX XXXX XXXX XXXX which is incorrect nor did I open up an account with LVNV FUNDING LLC nor have I ever signed any contract with LVNV FUNDING LLC this information is not reporting correctly to my credit file so I request to have this account removed from my credit file immediately
Consumer complaint received 2023-12-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I deposited XXXX dollars into Citizens Access Bank in XX/XX/XXXX. Once deposited, I was not able to close the account, take the money out or even get a reason as to why my account was on hold. I called 4 times about the issue and even escalated the call and never got a reason.
Consumer complaint received 2023-07-25
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. (LA)

I RECENTLY PULLED MY CREDIT AND THIS COLLECTION WAS ON IT. THE COMPANY NEVER SENT ME ANYTHING BY MAIL, EMAIL OR ECT. TO GIVE ME A CHANCE TO VERIFY ( CHALLENGE ) THE DEBT WAS EVEN VALID.
Consumer complaint received 2023-08-28
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. (CA)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-04
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: JPMORGAN CHASE & CO. (TX)

I sent a registered securities instrument to this company. and for them to act on my instructions that was sent with my registered mail. I have heard nothing back from that and they are holding my securities without out sending me a payment as stated with my instrument. I also seen that they discharged my debt which is on my credit report. under law they have not provided me with a 1099c which is considered tax fraud. My instrument was received on XXXX addressed to XXXX XXXX. I also sent a email as well to follow up. This is my 2nd mode of trying to fix this problem, before I submit documents for arbitration on this matter.I also found descrepencies on my auto loan the dealer and the bank have different numbers, which is fraud. Also selling of my securities on the market and holding it is considered securities fraud. I will get a forensic audit report done if this is not solved within 15 days of this report.
Consumer complaint received 2023-04-21
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: EQUIFAX, INC. (FL)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-19
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. (SC)

After several attempts of getting the credit reporting agency to do what's LAWFULLY correct as far as my credit reporting account. They have failed to delete the account. Investigation was not properly done. They pushed back with letters for me to reach out to the furnisher. I made an attempt again a month now as of today and no response. Not only did they not remove the times from my account ; they did not pay me per violation since they refuse to rectify this. Per the FCRA I noticed the credit reporting agency violated these laws as well : 15 U.S. Code 1681i section 602a- I have the right to privacy ( I did not give permission to anyone to place anything on my account 15 U.S. Code 1681i section 604a- I must provide written consent for any accounts. ( The credit reporting agencies as of today has NOT gave me a copy of my consent to do so. ) 15 USC 1681 ( a ) ( 4 ) - Violation 15 USC 1681a. ( e ) - Violation 15 USC 1681b. ( a ) ( 2 ) - Violation 15 USC 1681i. ( 5 ) ( A ) ( i ) - Violation 15 USC 1681a. ( 3 ) Medical information restriction guidelines, which has been violated. 15 USC 1681a. ( c ) 6. A States that I may seek compensation for violation damages. ( I will like to be compensated for these violations immediately or the removal of the accounts.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft and these damages are a defamation of my character. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items IMMEDIATELY. These account should not be furnished on my consumer report as they are in VIOLATION!!!! Under, 15 U.S. Code 161b- Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENETITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. XXXX XXXX XXXX Bank Secured Loan Original Amount : {$15000.00} Current Balance : XXXX XXXX XXXXXXXX Unsecured Original Amount : {$2800.00} Current balance : XXXXXXXX XXXX balance {$650.00} XXXX XXXX  Original Balance {$1000.00} Current Balance {$1000.00} 1 Inquiry : XXXXXXXX XXXX  XX/XX/year> ATTACHMENTS DL.jpg ( 1.4 MB ) FTC REPORT.pdf ( 898.3 KB ) social.jpg ( 884.1 KB )
Consumer complaint received 2023-06-12
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)

Please remove the information listed on my identity theft affidavit and this affidavit of facts. As these accounts appear to be a part of one of the several data breaches that I have been included in. Also, please read over the violations that have occurred as by product of you placing adverse information on my profile without my consent. 

Please see the attach FTC Fraud Affidavit Letter. 

Please note that I have address all credit reporting agency involved in one letter. Please read it and go to the section that has the name of your perspective company and delete what is listed. 

Please see my identification listed inside of the letter.
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

These address is wrong on my credit report, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX I want to correct these address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX
Consumer complaint received 2024-03-16
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. (SC)

Upon reviewing my consumer credit report, I discovered that I am a victim of identity theft. My identity has been fraudulently used to try to gain credit. I have attached a list of these accounts and the inquiry dates for your reference. These unauthorized inquiries are negatively impacting my credit score and hindering my ability to purchase a home for my family. I request that these inquiries be deleted from my credit report as they do not belong to me and are the result of identity theft. Your prompt attention to this matter is greatly appreciated as I am in the process of buying a home for my family. Thank you for your assistance. XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX and also XXXX XXXX XXXX inquiry XXXX XX/XX/XXXX
Consumer complaint received 2017-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (OH)

Diversified Consultants has fraudently reported a paid collection item in the amount of {$820.00} on my credit bureau reports ( XXXX, XXXX, XXXX ) for which it does not own. The account in question was an XXXX cellular account sold to XXXX for collection of payment. The payment was made on XX/XX/2016 to XXXX thus closing the account for payment in full with no credit reporting PERIOD .The fraudulent actions of Diversified Consultants include violations of the FCRA reporting a shadow debt it did not own and continuing to collect on by reporting to the credit bureaus. I have included for review a copy of the bank statement showing proof of payment to XXXX and letter of validation from XXXX acting on behalf of XXXX.If in fact Diversified Consultants owned the debt, collection and subsequent payment would have ceased or canceled due to transfer of the debt.
Consumer complaint received 2024-03-16
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. (NJ)

According to the regulations outlined in 15 US Code 1681i ( 6 ) ( b ) ( iii ), consumer reporting agencies, such as Experian, XXXX, and XXXX, are obligated to provide a written explanation to consumers upon request, detailing the methods used to verify the accuracy and completeness of their information. This includes disclosing the names and addresses of any sources contacted during the verification process, along with their contact information. Despite my request made over 30 days ago for documentation to validate a specific account, I have yet to receive any such documentation. Without legitimate proof supporting the inclusion of this account in my credit report, its validity is questionable.
Consumer complaint received 2023-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

In XXXX, I opened an account with Citi Bank and was told that if I deposited a certain amount of money in the account than I would receive {$200.00} within 3 months. I had requested them to not send my debit card to the physical address since I was having problems with my mail getting to me and not going to someone else and was told that they would send the debit card to the mailing address however they did not do that and sent the debit card to my physical address and someone else got the debit card. Since they could not just a simple thing for me like send the debit card to my mailing address as promised than I told them to close the account and give me all of my money back. They closed the account but would not give me my money which is a total of {$5000.00}. They claimed they sent me a check however I never received it so I requested another check sent to me and the check that they sent me was not a good check. I asked Citi Bank to cash it and they told me that I had to go to a certain bank to cash it, after going to several Citi Banks to cash the check, and I went to a certain bank ( branch ) and they refused to cash the check however of course would not tell me why so I asked Citi Bank how I could find out about checking to see if the check was still good and they gave me a phone number to call and when I called the number, the XXXX number claimed that the check was not in existence. I contacted the bank over and over again and they would not give me my money or another check so after getting the runaround, I contacted the XXXX XXXX XXXX and could not get any help there either. I have contacted the branch millions of times within the last 4 years and I still have not received my money. I have had all kinds of excuses and one excuse was that the check that I deposited into the account which was my {$5000.00} was a bad check. It was not a bad check and I can prove that. Their check that they sent me was the bad check not my check that I deposited into the account. After many years of waiting Citi Bank contacted me and told me that they were going to hand over my check to the state and I contacted them in XXXX regarding the check and they still will not give me the check. They ignored me however in XXXX I received a letter from the State saying that the bank was going to give the check to them and I contacted the bank once again and this time I told them that I was going to send all of my complaints to the state to show proof that I was trying to get this money but finally this time Citi responded however they are asking me for money to replace the check and wanting me to show my id and everything else along with social security number. I am not going to do that. Citi bank should have given me this check in XXXX and I would have never had to have gave out my personal information out. Citi Bank also has been given out consumers information in a data breach and now they want more of my information to hand out to scammers. Heck no, I want my money.
Consumer complaint received 2023-12-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

I am banking with HSBC. I tried transferring money to myself ( my own account ) in another country on XX/XX/XXXX but the bank blocked it and reported it as fraud. I called them and they kept saying in order to protect the account the fraud system suspected fraud even though this transfer is to myself! 
In addition, they block the money and did not make the money available back in the account until after XXXX hrs. 

Again on XX/XX/XXXX i initiated a transfer to my cousin who needs support and the bank blocked it again for suspected fraud, when i called them they said that i need to call them every time before i do a transaction so it doesnt get blocked! 

This is no longer fraud protection but rather infringement and oversight of the account blocking any and all transactions! 

In addition, they keep the blocked money on hold with them for XXXX where i lose interest and lose time receiving the money. 

All of this happens even though i have to securely login and generate an XXXX to initiate the transaction which obviously proves that this is a legitimate transaction.
Consumer complaint received 2024-03-16
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. (FL)

I looked up the Fair Credit Reporting Act and In accordance with the Fair Credit Reporting Act, The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Section 602 A XXXX XXXX  XX/XX/year> & XXXX XXXX. These Companies Violated my rights because I didn't give written access for them to obtain my credit report. 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.I would like to have these 2 XXXXXXXX XXXX HARD INQUIRES removed from my credit report immediately.
Consumer complaint received 2023-12-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Phoenix Recovery Group (AK)

On XX/XX/2023 I filed Bankruptcy and XXXX XXXX and the collection agency they sent it to ( THE PHOENIX RECOVERY GROUP ) was notified by the court to stop collection on this account with balance of {$1000.00}. They continue to defy the bankruptcy automatic stay and refuse to remove the account from credit report. This is illegal and I will be notifying the court of there refusing to follow federal law.
Consumer complaint received 2023-07-24
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: EQUIFAX, INC. (NY)

DEAR EQUIFAX IM SENDING YOU THIS LETTER TO PLEASE RMEOVE THE THE NH CODE OFF MY REPORT BECUAE I CAN NOT REVIEW MY CREDIT FILE.