davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XX/XX/2021 I sent a dispute letter, a affidavit I filled out and got notarized, a copy of my identify theft report from XXXX, and my drivers license along with my social security card to the Equifax consumer disputes department about the inaccurate and unknown things reported on my credit file. In addition to this I sent a follow up letter and called them on XX/XX/2021 60 days later hoping I would get a response or my items disputed. Til this day over 90 days later I have not received a response or reason other than to submit a dispute letter which I already did twice at this point. I feel like Im being taken advantage of and being ignored my disputes. Section 611 A plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove these items from my credit report. It has been over 90 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress youve caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-22
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$6000.00}, {$3100.00}, {$1200.00}, {$1100.00}, {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO LOANS OR LEASES 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

-- OTHER ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.
Consumer complaint received 2021-04-21
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)

On my current Experian credit file there appears a name that is not mine, that I have never used at any time for any purpose, and I do not know who that person is : " XXXX, XXXX '' Further, Experian Credit Reporting claimed that some supposed " debt '' in the amount of {$690.00} was somehow attributable to my home residence address, to this person I never heard of and do not know. 

In addition, I do not owe any such debt at any time. 

This is a well-established, continuing pattern and business practice for Experian by making false claims, over false debts not owed, to serve as financial extortion and blackmail, to promote their " credit repair '' scam by harassing and hounding every unfortunate consumer forced to " visit '' their website into paying them money each and every month for all eternity, just to receive the very same FICO Score to which they are legally entitled. 

And now include a fake name in my credit file as well, copy attached. 

" Conflict of Interest '' on a national scale - Experian ruins your credit file with fraud, then charge you monthly " fees '' for the rest of your life, to " fix '' the very same credit score they just destroyed - for no lawful purpose. 

Experian must remove this fake name from my credit file, and never make financial demand upon me for any other fake name as well.
Consumer complaint received 2021-04-21
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XX/XX/XXXX, I started receiving several fraud detection notifications from Capital One for unusual charges. I called, we closed that card number and reopened another, and disputed all the charges I did not make. About a week later I started receiving packages in the mail of random junk. I noticed that two charges were added back from the fraud dispute, and Capital One notified me that the merchants provided valid tracking information and that I was liable for the charges. 

I was advised to return to sender anything that I had. They credited one of the charges that was {$5.00}, but a charge for {$47.00} they were holding me liable for. I contacted the merchant, they said there was no way for them to refund anything that was processed as return to sender unless I called and got an RMA. 

I filed with US Postal Inspection Service for mail fraud, and Capital One still did not care and said the case has been resolved. I suspect this is some new fraud scheme involving mailing overpriced junk and sending consumers into a dispute circle with the hope that they give up from the small amounts.
Consumer complaint received 2021-04-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

Last weekend, XXXX, my bank card was missing. I tried to log into my chase mobile app, but it was locked due to suspicious activity. I tried getting in contact with chase to see what was going on but I got no help and bad customer service from them. After a week of calling, someone mentioned that I was disputing past payments made XXXX rent, personal loan company that was completely paid, and many other charges. ) I mentioned that it wasnt me and thats why Ive been trying to get information on whats going on so I can fix the problem. I was directed to the fraud department ( after 8 times of talking to them ) in which they stopped the disputes that I was allegedly doing. The fraud department also mentioned that my checking/bank account was compromised and that I needed to immediately close it and as long as I have an ID card, I can open a new account. Im not sure how much was taken do to the fact that I can not get into the account to see what was done. Im getting constant phone calls ( probably the people who did this ) asking what my bank PIN is and to call chase to open the account. Im constantly calling chase to inform them Im getting calls and that all the disputes that were done werent made by me. My account was completely hacked and compromised, and Im just another victim to these criminals who enjoy taking peoples hard earned money.
Consumer complaint received 2021-04-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

On XX/XX/2021, I disputed an account reported by XXXX XXXX XXXX  in the file you maintain under my Social Security Number. 

I was informed on XXXX XXXX that the item was deleted from my credit report. ( Document with proof of this deletion included ). 

Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 




I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 

Please govern yourself accordingly.
Consumer complaint received 2021-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

At the time that the credit card was open, I was XXXX I was XXXX from XX/XX/XXXX until XX/XX/XXXX. The credit card was opened on XX/XX/XXXX. The charges occurred between the dates of XX/XX/XXXX to XX/XX/XXXX. Therefore, the card was not opened or used by me.
Consumer complaint received 2021-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a capital one credit card on my file the amount of the card is {$680.00} open on XX/XX/2019. I spoke to capital one about this card and explained that it was not mine. They told per their investigation it is mine. I asked them to send me proof and they denied doing so. They would not escalate the call. Absolutely no help at all.
Consumer complaint received 2021-04-21
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 recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete a thorough investigation. 

As per Section 609, I am entitled to see the validation from the source of the information, which is the original contract that contains my signature. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) the reporting agency must verify the accuracy of the validation.

Now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received the requested response from this company about these two unverified accounts as of today.
Consumer complaint received 2023-02-20
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. (NY)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 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 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 or 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 2021-04-22
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: CURO Intermediate Holdings (TN)

These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. They have violated my consumer rights under the federal law FCRA & FDCPA.

As stated in the HIPAA law section 1681b ( g ) ( 4 ) you are not allowed to disclose any of my medical information this is clearly a violation to my privacy. I would like this be taken out of my credit report immediately.
Consumer complaint received 2021-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc. (KY)

I'm a victim of identity theft. Someone tried to open an account in Moneylion under my information and he successfully did. I found via my credit report notification. And when I was checking my mail i found 2 debit cards under my name. I called to the company about it and let them know I haven't know anything about your company why I'm receiving this debit cards. They asked me a number of cards to cancel them i gave them debit cards number on phone and they told me they have cancelled it. After that they gave {$990.00} loan to someone under my name and put this on my credit report it's hurting my credit score in my life i have never applied for any kind of loan. I'm very upset about it after speaking with them 3 times they are still giving loan under my name without my concern.
Consumer complaint received 2021-04-22
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Georgia Student Finance Authority (GA)

There are two late payments on my account that is hindering my credit report my score took a terrible dip due to payment MISUNDERSTANDING. The missed payments were reported in XXXX and XXXX. XX/XX/2019 I made payment of {$270.00}, XX/XX/2019 {$130.00}, and a {$99.00} in XXXX XXXX.My total payment amount for both loans are {$99.00} dollars and {$49.00} dollars. These loans are separate and are to be paid separate I did not realize that. In XX/XX/2019 I made the payment of {$270.00} to cover both loans which left a remaining overage of {$130.00}, XX/XX/2019 I made a payment of {$130.00} which is the total amount of $ XXXX+ {$49.00}. At this point this is deformation of my character because creditors are looking at my profile labeling me as irresponsible. I have asked several times with only updated account info, but I would like a deletions of the red derogatory marks so that I can have a fair chance at a descent interest rate in purchasing my home, instead of higher rates due to a misunderstanding of their payment system.
Consumer complaint received 2021-04-21
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. (GA)

Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-04-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2021, I initiated an ACH transfer of funds in the amount of {$13000.00} from my brokerage account at XXXX to my joint savings account with my husband at Bank of America. After not receiving the funds in my Bank of America account, I discovered that I had entered a wrong digit on the Bank of America account number I provided. I called XXXX which attempted to recall the funds but the recall was unsuccessful. I'm told that as an industry rule, recalls are not honored if not within 5 days of the initial transaction. XXXX advised me to reach out to Bank of America directly. My husband and I spoke with a supervisor, XXXX XXXX ( XXXX ), who essentially advised there was nothing he or Bank of America could do to help us retrieve our own money. He refused to even advise if the wrong account number I had entered was a valid account, and could not articulate a reason why Bank of America could resolve this internally with its other customer who received our money in error. Each of the institutions we spoke with ( XXXX and Bank of America ) have advised after numerous back and forth calls that we need to resolve the matter directly with the other institution. Our money is being held XXXX by Bank of America, without any good faith effort to resolve or even suggest a solution.
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021 I submitted a payment for my entire balance on XX/XX/2021 to avoid any interest charge. I assumed, that the payment was made as there was no indication of any rejection. However, on my statement I received a {$480.00} interest charge. 

I noticed the interest charge on XX/XX/2021 and called in hopes of resolving the issue with customer support, but was unsuccessful. 

If a bank can reject a valid payment and then charge interest it seems it is a lose/lose for the customer and this kind of practice is something the CFPB should look into.
Consumer complaint received 2021-04-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America does not send monthly or even quarterly Certificate of Deposit statements, so I have no way of knowing how much interest we accrue on our CD and on what date. I am unable to reconcile my accounting software with the actual bank balance unless I am just lucky enough to log onto my account on the exact date the interest posts, as even the online statement does not show the accrual. 

Is there not a law that states that they must send a statement, at least quarterly, if interest has been posted to our account? Even if it was available online, that would be better than nothing, but the online account does not create a statement either. I have to waste time being passed between different departments when I call to get the information. Absolutely ridiculous. I have already registered a complaint with the bank, twice this year alone.
Consumer complaint received 2021-04-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (IL)

My Father ( at XXXX XXXX XXXX ) passed away in XXXX of this year. I am trying to settle his estate. I went into the bank and worked through what I thought were all of the issues with his banking relationship and even asked the person I was dealing with : " is there anything else open ''. I was told no. 

Several weeks later my sister got a communication that there were " student loans '' that my Father was responsible for. I have spent hours on the phone trying to get the details. I sent a letter to the Chairman of Wells Fargo and I am still in the dark about the loans. 

Further, I found out that there is a credit card balance. But, don't know what it is and have not seen the transactions that support the balance. I have asked, but no luck on that either. 

Finally, I tried to deposit a check into the Trust account that was set up to deposit funds that care coming in and going out as I settle the estate. They refused to deposit it. I call and complained about this too. I was told they would look into it. No response. 

I note that I spent hours in one of the branches sharing estate documents and ID to prove that I am legitimately responsible for settling the estate. I set up trust accounts and transferred ( with the help of Wells Fargo ) all of the funds in my Father 's accounts into the trust accounts. 

I am just trying to do the right thing to settle my father 's accounts. Wells Fargo is doing everything to make that as difficult as possible.