davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America Allowed for a fraudulent account to be opened in my name. I discovered this account when I pulled a copy of my credit report and the account was showing on my credit reports with  XXXX , and  XXXX , and  XXXX . I did not apply for a card with Bank of America and I have contacted Bank of America to make them aware of this fraudulent account yet they have refused to do anything about it. When I called in to Bank of America about this card they told me that I would have to pay for the card even though it was fraudulently opened. I explained to Bank of America that I was a victim of identity theft and that the account was opened in my name without my knowledge or permission but they have continued to refuse to assist me but only continue to threaten me that if I do n't pay the fraudulent account that they will ruin my credit. I should not have to pay for a credit card that was opened fraudulently and is defamation of character to report fraudulent information about me on my credit bureau when Bank of America knows that this is not my account because I have told them many times both by calling and by certified mail.
The fraudulent account number is  XXXX . This is a fraudulent account and I am not responsible for bank of America opening it in my name or the charges on the card.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was charged by XXXX XXXX for {$200.00} on XX/XX/23. My cycle, per conversation I had with XXXX and XXXX on XX/XX/23, ends on XX/XX/XXXX. XXXX XXXX said Capital One didn't report a balance to credit bureau because there was no bill due. Transaction occurred after the cycle date. There was no statement produced. He then stated that the credit bureau agencies are the ones that posted that info. When I told him that the credit bureau can not post something without the agency informing them of the balance he then placed me on hold and came back and stated that capital one did not post anything to the credit bureau and that the credit bureau was wrong I requested 3 times for it to be updated to the credit bureau showing the balance to be XXXX. The balance was reported prematurely I paid the balance off on the XXXX. 
I requested a supervisor after he told me that it was out of his hands and there was nothing that he could do to have it updated that my balance was XXXX. When I spoke with XXXX who was The alleged supervisor he informed me of the same thing. That there was no statement due at the time that the transaction posted and that capital one never posted the amount for the {$200.00}. And that the credit rules were incorrect in posting that because the balance should oppose it as XXXX which is what capital 1 was posting for XXXX. However he places me on hold returns back to the call and then informs me that capital 1 posted the amount for the {$200.00} because that was the Amount on the date in which they posted. After repeatedly telling me they didn't post the transaction. He then stated that capital one reports all high balances. This is the discrepancy because I have another credit card with capital one with a {$1000.00} balance I have maxed out and paid off within the same month turned around paid it off.
Consumer complaint received 2023-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

Please remove the following items : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$3900.00}
Consumer complaint received 2020-04-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

XXXX XXXX XXXX Synchrony card makes it impossible to see what your charges are for. 

If you have a huge balance on your account and want to know what the charges are for, it is impossible to get an answer. I have spent hours on chat with agents unable to provide basic details about charges. All I am seeking is an itemized receipt that lists the charge for the item as well as charges for taxes and shipping and credits for rewards dollars and returns. 

They offer you 2 options : - View Statements under Account Activity. This is just totals. No itemization. 
- Enter your order number into the main XXXX XXXX  XXXX site. Again, this only yields totals. No itemization. 

One agent mentioned that an itemized receipt could be sent within 30-60 days ( well past the payment due date ). She did not confirm that she would send this and no one else was able to offer this.
Consumer complaint received 2023-05-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC (PA)

Capio partners used false representation of the alleged debt trying to collect on a positive balance in regards to a negative alleged debt. The balance didn't have a ( - ) in front of the alleged debt making it a positive number. CAPIO PARTNERS used threatening tactics to report negative remarks on my credit file if the alleged debt was not paid. CAPIO PARTNERS furnished and compiled a deceptive statement.
Consumer complaint received 2023-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

i reached out to the mortgage company Penny MAC about a reassessment of the value of my house to have the PMI removed. They told me I had to make a payment for for the reassessment. I went only and changed my pending payment to be sooner and to add the additional amount to this payment. Which was made on XX/XX/XXXX and processed on XX/XX/XXXX. They still charged me on XX/XX/XXXX for my payment that was already paid on XX/XX/XXXX. this caused my account to be over drawn and many fees to get this straightened out.
Consumer complaint received 2023-03-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Compass Recovery Group, LLC (VA)

Compass Group called my father on his cell phone on XX/XX/2023. XXXX was her name and she said she was trying to file a garnishment for my wages and needed my phone number and address. My father did not give them my information, as it is public knowledge. The phone number she gave as a call back number is XXXX. I have not received anything by mail from Compass Group.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX, Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account XXXX : XXXX XXXX Account Number : XXXX is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form XXXX as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel.
Consumer complaint received 2023-03-17
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: Capio Partners, LLC (CA)

I got XXXX in XX/XX/XXXX while I was out of state, I had insurance but I guess it did not cover the whole hospital bill, I was told I would not be responsible for any medical debt due to the pandemic, and I don't feel I am responsible to pay this huge medical balance that is shown on my credit report. I became homeless and was stuck out of state for 3 months until I was well enough to make it home, once back to my state i had lost my home and hadn't worked. it was a very stressful time of my life, I didn't ask to get this worldwide pandemic and i am not sure why this is on my credit, i filed bankruptcy back in XXXX and now this is another thing I don't need to deal with. i can barely make ends meet now, i am living alone and have barely make enough money to cover living expenses since they have doubled since the pandemic started. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX there should be some government money to help with this type of situation. I don't feel this should be an impact on my credit reports after all we have to deal with after having XXXX
Consumer complaint received 2022-12-05
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. (OH)

I was trying to move forward with a rental application when I was denied based on my credit score. This prompted me to purchase the XXXX credit reporting app so that I could see what was going on with my credit. It was then that I saw several unknown delinquent accounts that do not belong to me. Which is why I am doing this Identity theft report. the following accounts are fraudulent : XXXX XXXX XXXX XXXXXXXX Amount {$230.00} XXXX XXXX XXXXXXXX Amount {$830.00} XXXX XXXX XXXX XXXXXXXX Please help me remove these fraudulent accounts so that I can have a peace of mind, and move forward with my life.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I reached out to Experian asking them why I have a bankruptcy showing on my credit profile. They explained to me that they use a third-party company XXXX who uses a third-party company to verify the information. 

I attempted to reach out to them and ask them what information they had proving that the account was mine and they said they only had my first and last name and the last XXXX of the social. I attempted to verify the full social and they refused to provide me with any further details. 

Experian also has XXXX accounts from XXXX XXXX on my credit profile which were included in the bankruptcy. XXXX which they removed and blocked but them placed it back on their stating that XXXX XXXX requested that they unblock it and put it back on there. 

I was still in XXXX XXXX during the time of all of this and not knowing this was going on.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

To Whom It May Concern : I recently received a copy of my Equifax credit report, and I noticed some Inaccurate accounts posted on my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account XXXX : XXXX Please delete and block from my credit report immediately 2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account XXXX : XXXX Please delete and block from my credit report immediately 3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account XXXX : XXXX Please delete and block from my credit report immediately 4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please delete and block from my credit report immediately 5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please delete and block from my credit report immediately Your company is in clear violation of the law. Under 15 USC 1681b - the permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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 instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer. 
Delete the above inaccurate accounts from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$830.00} XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$350.00} XX/XX/XXXX XXXX XXXX {$33000.00} XX/XX/XXXXXXXX XXXX  XXXX {$350.00} XX/XX/XXXX XXXX  XXXX XXXX {$490.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$420.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXXXXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$670.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd. (IN)

I am being told by Harris & Harris , Ltd. that I owe them {$100.00} for a debt for an account through XXXX XXXX, commonly known as XXXX XXXX XXXXXXXX. this is entirely false. i pay XXXX XXXX every single month. they have accepted the amounts that i pay based on what i can afford. Also, for over a month, nothing showed online that i owed a balanced at all. so i assumed it was paid for and that i had paid it all off. harris keeps calling me it is annoying. also now it shows through XXXX  that i only owe {$81.00} for this account, but harris is asking for {$100.00}. like i said i XXXX monthly every month. also my name is not XXXX XXXX anymore it is XXXX XXXX, so at least get the name right.
Consumer complaint received 2024-03-18
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 (MS)

I have contacted American Express Serve customer support in regards to my account being inaccessible. 
I am unable to login to my account and am also unable to transfer monies in-app as well as via website. 
XXXX ( XXXX ) USD deposits each XXXX in the amount of {$500.00} to equal a total sum of {$1000.00}. 
These funds remain inaccessible to date as I am unable to use these funds in any manner due to the account being permanently frozen by Amex Serve Support staff. 
I was instructed to write a Letter of Indemnity ( LOI ) which is not necessary as these were cash deposits via in-app generated barcodes. * ( SEE ATTACHMENTS ) ( PROOF OF PURCHASE/DEPOSIT ) Please I would greatly appreciate some assistance in the retrieval of funds. 
Thank you so very much for your time and assistance regarding this very important matter. 
Sincerely, XXXX XXXX XXXX XX/XX/24
Consumer complaint received 2017-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (MD)

I called the bank repeated on X/XX/2017, after receiving their notification. I was told that I would receive a call back from executive relations, but did not receive that call. I did speak to a reputed supervisor, XXXX XXXX XXXX, who was both rude and unhelpful.
The account is under my name, acct XXXX XXXX.
PNC debited my account for {$35000.00}, corresponding to two checks deposited via an ATM. These checks were issued when a mutual fund ( XXXX XXXX XXXX XXXX ) closed, and I was the owner of record on two accounts. The first check was for {$14000.00}, and was issued payable to me and XXXX XXXX, my wife, as XXXX. The scribbled explanation for the debit was a checkmark next to " Payee not on account '' ( I certainly am ), and " not a trust acct '' scrawled in below that.
The 2nd check was {$21000.00} payable to " XXXX XXXX XXXX '' for my son XXXX XXXX  XXXX. The checkmark here is next to " Other '' and the scrawled comment says " not custodial account. '' In fact, the mutual fund was a custodial account, and the check is payable to me.
I would like the checks returned immediately, and would like to close my account with PNC and be issued a check for the remaining balanace, since PNC appears to be unable to accurately and politely execute standard banking practices.
Copies of these sloppy items can be provided as needed, if copies were not retained by PNC.
Consumer complaint received 2024-03-18
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: EQUIFAX, INC. (NE)

I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Dear CFPB, I am writing to dispute inaccurate and unauthorized information on my credit reports as a victim of identity theft. A collection account from XXXX has been repeatedly reported, despite this not being my debt. The continued presence of this fraudulent collection on my credit file has severely damaged my credit and caused significant financial hardship. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute and demand removal of any inaccurate or unverifiable information resulting from identity theft. The following provisions are applicable : 1. 15 U.S.C. 1681c-2 allows identity theft victims to obtain a block of any information in their file that was caused by the theft.

2. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires credit bureaus to promptly delete items that are inaccurate, incomplete or can not be verified after a reasonable reinvestigation.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers like XXXX from reporting information they know or have reason to believe is inaccurate.

4. 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ) requires furnishers to modify, delete or block reporting of information that can not be verified as accurate.

I have made numerous attempts to dispute and have this fraudulent XXXX collection account removed from my credit reports, including providing documentation that I am an identity theft victim. However, the credit bureaus and XXXX have failed to uphold their legal obligations under the FCRA. 

Enclosed are copies of my prior disputes, an identity theft affidavit, a police report, and other supporting evidence that this alleged debt does not belong to me. I am escalating this to the CFPB and demanding a full investigation to permanently block and remove this inaccurate collection account as an identity theft victim. 

If appropriate corrections are not made promptly, I will have no choice but to pursue further legal action against XXXX and the credit bureaus for willful, non-compliance with FCRA identity theft provisions. Please resolve this issue urgently. I look forward to your assistance.
Consumer complaint received 2023-04-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DRB-40, LLC (MO)

On XXXX @ XXXX there was a message left by a rep stating they were calling from XXXX which is my landlord to call them. I have been experiencing issues with my residence and was waiting on a callback from them. Come to find out it was Diversified Recovery Bureau. Not sure what the debt was but the rep was rude.