davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Data Search NY, Inc. (NY)

Dear Staff : Trak America and their legal counsel have recently submitted a notice that they will garnish wages on a XXXX debt that was satisfied 15 years ago. There was a judgment issued and my wages were garnished. In XXXX, my wages stopped being garnished. I never changed employer or left work. I assumed my debt was satisfied. Now, 15 years later, a new law firm is attempting to collect the same debt. I have sent proof of payments obtained from my employer. After numerous phone calls by my attorney, they have refused to respond to me.
Consumer complaint received 2023-02-02
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act US Dept EducationXXXX 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 602 A Section 2 : also states that a consumer reporting agency can not furnish an account without my written permission 14 U.S.C 1666 B : A creditor May not treat a payment under an open end consumer credit plan as late or delinquent for any purpose
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (UT)

On XX/XX/XXXX, the same day as my complaint regarding a credit card being issue in my name from XXXX XXXX XXXX XXXXXXXX, an unauthorized transfer of {$10000.00} was debited from my business account at Wells Fargo Bank. I have contacted the Wells Fargo Fraud Department and the case has been assigned XXXX. 
Posted Transactions XX/XX/23 XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$10000.00} Category : Other Insurance/Financial We have no knowledge of this person and the vendor XXXX.
Consumer complaint received 2023-02-07
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. (NE)

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC (GA)

XXXX has sent a debt You will need to contact the third-party agency, CBCS, by calling ( XXXX ) XXXX to determine eligibility for a settlement on the account. Who put an acronym before typing out what it means? That's what XXXX has done I don't know who this company is that I have to reason with to resolve any dispute.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In late XX/XX/XXXX I opened a checking account with Bank of America. I deposited {$100.00} into the account at the time it was opened. On XX/XX/XXXX I received a direct deposit from one of my sources of income, my children 's social security payments. Having the account opened for more than a month I decided to transfer my employment direct deposit into my new Bank of America account. During the pending change with my employer I received my XX/XX/XXXX paycheck by mail, a paper check from my employer. On XX/XX/XXXX I attempted to deposit my paycheck into my Bank of America account via the XXXX XXXX ; however, the XXXX XXXX  advised me that the check would be placed on hold until XX/XX/XXXX. Not wanting to wait that long for my paycheck I decided to go to the local Bank of America branch the next day, XX/XX/XXXX, and speak with someone before depositing my check. I spoke with the teller at the branch on XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, she advised me that if I deposited the check that day that the entire check would be available on XX/XX/XXXX and that they would not release any party of my check until the XXXX. The bank teller even provided me with a bank deposit slip that states my funds of {$1500.00} would be available on XX/XX/XXXX. I confirmed this information by the teller providing me with the deposit slip that clearly states my funds would be available on XX/XX/XXXX. Based off of that information I decided to deposit my check. As of today, XX/XX/XXXX, I still have NO access to my paycheck. I have been told that Bank of America is not going to release my funds until XXXX XXXX on XX/XX/XXXX. Bank of America LIED to me when I was in their bank and took my check based on false information. I have been without ANY of my paycheck for a week and Bank of America refused to release ANY of my paycheck. 
At the time that I decided to deposit my check with Bank of America I had been an account holder for at least 30-45 days, I had money in my account AND I already had one verified source of income being directly deposited into my account. This FRAUD by Bank of America has caused me and XXXX XXXX XXXX XXXX  to endure a financial hardship that only exacerbated our hardship during these trying times due to the pandemic and economy!
Consumer complaint received 2023-06-14
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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. 
XXXX 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 an 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 antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-14
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. (NY)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX
Consumer complaint received 2023-06-14
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)

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. 

I told the Experian, XXXX, and XXXX to remove these fraud accounts listed in the FTC complaint and police report However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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.

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.
Consumer complaint received 2023-01-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XXXX XXXX and XXXX XXXX, I was scammed into sending money through XXXX ( connected to my Bank of America account ) for fake products/ services through a girl I met on a dating app. It was obviously fake and they just took my money that I accidently sent through a link they provided. Two transactions of {$1300.00} and {$800.00} were sent to XXXX, their mobile number seems to be XXXX. 

On XXXX XXXX, another {$600.00} was sent to XXXX, I'm not sure if both these emails were linked to the same group of scammers but it was done through similar tactics. In total, I was scammed {$2700.00}. 

I filed to try and get my money back to Bank of AmericaXXXX XXXX XXXX XXXX department but they were unable to retrieve the funds and closed the case.
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX, I received a phone call from " Chase Home Financial '' as it appeared on my caller ID. They stated that my card had been compromised in XXXX GA, and there were funds removed. They said there would be a text sent with a pin code. The caller asked for the pin code and they would reverse the funds of {$350.00} and {$150.00} spent at locations. I was at work and could not check my account, but this has happened before. I trusted that Chase would take care of it as they have in the past. Later that day, I got home and checked my account and an ACH for {$4000.00} sent to " ACH payment ''. I did NOT authorize this, so I called the number for fraud on the back of my card. They were unable to assist me because of the late hour of the day. The next morning, I went into my home bank and the manager called fraud dept and they told me they were unable to recover my funds because of the " fine line between fraud and scam '', I immediately went to my local police station and filed a report, which is active. Chase called me back and said they were looking into it further. This went on for almost 2 weeks. Finally, I got a call saying they could not help me any further. I am a small business owner and having {$4000.00} taken from me could have destroyed my life. I then filed a complaint with the Attorney General in the State of Ohio. They also referred me to the Office of the Comptroller of the Currency as well as the Department of the Treasure Waste and Abuse hotline. I filed with them. The OCC just sent me a letter referring me to CFPB ( you ) saying this was out of their direct jurisdiction of their office. This is theft and it is illegal. Chase is not helping me in any way and I have been a victim. I really would like to have my hard earned money back. Also, the transaction caused my mortgage payment to be returned causing other problems in my life, not to mention not having my own money back. I am unable to scan documents and send at this time, but will provide them as I have a large folder of information, documents and bank statements, police report numbers, and people I have spoken with. I appreciate your timely response and hope you are able to help me.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TN)

On XX/XX/XXXX, I opened a checking account with CitiBank pursuant to a promotion. The promotion basically called for me to deposit {$50000.00} within a certain time, and then keep the money in the account for a required period of time. If I did this I would receive a {$700.00} bonus within a certain time. I satisfied the requirements and waited for several weeks past when the bonus should have been deposited. It was not. Finally, about a month ago I called Citi, They admitted that I had satisfied the requirements, but there must have been some problem on their end. They said to wait until a certain date and I would be notified. I was not notified so I called back. Thus began a period of time about a month long where they would always say they needed 5 or 10 extra days. I would call back on the designated date because I had not received the money and they would put me off again. This happened again and again. The most recent date they gave me was today ( XX/XX/XXXX ). No money again so I called back today. Again they acknowledged that I had met the requirements, but wanted 5 additional business days. I need help to get this money that everybody agrees I am owed.
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NV)

Continuation of complaint against AMERICAN EXPRESS GOLD card -- submitted XX/XX/2023. XXXX -- to add overview of bills and payments for one year and files for one year to get a better view of my concerns. 

I pay this card off monthly, but AMEX uses the previous month 's balance to calculate the next months payment ( but they do not consistently put in the previous month 's payments made ) so you are paying the balance twice. 

I put tother a chart to assist in your review and obtained a year of files to assist in tracking as well as all payments for the time period. 

I put in red payments and in the charges shows to show the difference is what is showing and what was actually paid. This concern has been going on for years. AND I have contacted AMEX many times without success.
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Experian has failed to update my credit card account status in a timely matter, and this failure is hampering my ability to obtain special holiday resources from my credit union. Rather than admitting to their omission, Experian has blamed the issue on the creditor ; however, the other two bureaus, XXXX  and XXXX, have updated my information. 

This is the second instance in two months where it appears as if representatives at Experian have been disingenuous with me regarding how they update credit information.
Consumer complaint received 2022-11-07
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

We have repeatedly contacted the company LoanCare about the issues of our previous complaints, and after receiving word from CFPB, they finally began listening to what we have to say. The latest packet that we have received from Loancare states that we still have XXXX and XX/XX/XXXX as well as XX/XX/XXXX payments to pay off. This all alludes to a total of {$7100.00} which we have already paid because we follow our scheduled monthly installments. We have repeatedly sent out proof of payment, and there is always a new month from a previous year which they claim we have not paid. We have paid all of our mortgage payments and taxes on time. XXXX XXXX claims that they have paid two Quarterly taxes, one of which got sent back to them as a refund, and they sent it to Loancare. Loancare claims that they have sent our one Quarter tax money to the township. The township will not accept that money because we have already paid the township directly. The other quarter that XXXX XXXX  paid to the township got refunded back to us, and we sent it to Loancare. If the parties involved could find the money that Loancare apparently sent to the township, yet the township did not accept, this issue would be resolved. 

The next issue at hand is regarding the escrow account that Loancare opened despite us having paid our escrow to our township among our other payments. After receiving word from CFPB with our previous complaints, Loancare claimed to have removed our escrow from our account and issued us an escrow refund. However, they claim to have refunded us after satisfying our escrow advance balance with a total of {$1800.00} remaining to give back. They should be refunding us {$3800.00} because we do not have any balance regarding escrow with Loancare. This {$3800.00} is the money that XXXX XXXX  sent to Loancare ( refer to the first paragraph ). As previously mentioned, we handle our escrow through the township. Thus we sent back the {$1800.00} back to Loancare because it does not belong to us. If Loancare were to distribute the funds in which they claim to return to us to where they claim they are missing payments from, the missing money issue would be resolved. However, Loancare claims that the current required payment is {$7100.00}, which is entirely not plausible. For the past 11 years, we have consecutively paid off our principal and interest to our lender. It is after XXXX XXXX sold to Loancare that these issues began arising for not just us but a whole community of others. Please try and help us with this issue as they refuse to listen without legal or government pressure. We have all the proof necessary to show that we pay our mortgage and taxes on time. They have obliterated my credit score on the claims that I have payments pending. Please help us as this has become our worst nightmare, from threats of foreclosure to hanging up on calls with us after holding for hours.
Consumer complaint received 2021-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

On XXXX 2021 my Best Buy card was used by someone who we dont know Best Buy online account for purchase for {$840.00} and order was shipped to different state we dont live or have anyone we know this order was ordered on my sons name I and my family we live in California and all previous purchases was orders and delivered ONLY in California we never lived in any other states ONLY IN CALIFORNIA this purchase was delivered to state of Illinois my son is XXXX years old born and lives with me in CAand he is my dependent and he doesnt have any access to my online account this purchase was made over night of times difference I found out about my account was used by Best Buy email Thank you for your purchase on XX/XX/2021 at XXXX XXXX my California timeI called Best Buy credit card right away and reported the problem explaining what did happened do my online account was used, despite claims were opened and after all I received letter from Best Buy Security Operations on XXXX letting me know so I am responsible for this charges, same time second issue happened with my account from Best Buy, I order a XXXX XXXX for my mother I made that purchase on Best Buy online account on XXXX XXXX on XXXX XXXX I received email same day and same time when I received email about {$840.00} email said my tablet was delivered and after all we never received a XXXX XXXX so second I opened two despute claims for {$840.00} what I didnt purchased and Tablet cost is {$100.00} what I never received after all letter what I received stating I am responsible for the payment of {$950.00} I am not paying a XXXX for what I didnt purchased and didnt received, also I have unauthorized VISA CARD witch is not my Visa card on my Best Buy online account on MY TOTAL TECH SUPPORT account this Visa card ending in XXXX NOT MY CARD ON MY ACCOUNT I dont know who this card belongs to so my Best Buy online account was used by someone one and I want that person be found and be punished charges for {$950.00} I am not responsible for this charges are not mine Thank you!