davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I am going though identity theft! It has completely turned my life upside down making me paranoid, and has brought out challenges as in my XXXX and heightened them as well I have meet and exceeded expectations that the bank has requested in my option, and have had to be part of my own dehumanizing. As I am XXXX I am asking for a reasonable accommodations for my XXXX so I apologize in advance if I mispronounce, might not ask or explain thing probably. I do appreciate your patience with me. I have been a customer with XXXX XXXX sense XXXX in XXXX I opened a business banking account for my charity the XXXX XXXX I do outreach and advocate for individuals with XXXX including myself I was refused the reasonable accommodation as well as simple fundamental customer rights I believe the identity theft is though the bank I am convinced I am truly at a loss for words as I watch my credit score and my public image, and mental heath are diminishing. I live on a fixed income and cant afford the money, time from school, and the Commuity that I help I am also part of the XXXX XXXX XXXX XXXX XXXX programs of XXXX  county and I have put everything on hold they have subjugated me to ableism on a level that has left me crying myself to sleep nightly. I never asked to be born little loan with XXXX and I have overcome all adversities life have thrown my way but this one with the bank has prolly been the hardest and thats a bold statement please help me I have supporting documents as well I have went to the bank over thirty times in the last two months only to be refused service or misspelling my name on the business account and the refusal of the documentation from the IRS on two different occasions I was flagged as fraud as well because the misspelling of my name multiple times from the bank has me as having alias and now my capital one accounts were compromised as when the 360 banking with capital one reached out to verify me XXXX XXXX XXXX gave them false and fraudulent information about me I know this sounds far fetched but I can prove everything with documents and a mound of evidence thank you for taking the time to reach this sincerely XXXX XXXX XXXX.
Consumer complaint received 2022-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update and correct the items right away. 

XXXX XXXX Bankruptcy Filing Date XX/XX/2016 Docket XXXXDischarged, XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION (MN)

So I Lost my wallet in the year of 2013 when i turned 18 and went to apply for something i seen my credit had been breached and someone was using my names for multiple reasons i have also proved this to bureuas and everything have been verified and got removed including this. and now its back on my credit lowering my points even more because its appearing as just happened which isn't cool because its like haunting me now and not going away when it just was gone im lost.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was a victim of a scam applying for a job ( Data entry ) XXXX XXXX wich is a company from XXXX, they sent me a check for {$4900.00} dollars, They send me this check for computer, printer and materials for the job, which I deposited in my Bank of America checking account on XX/XX/2022, the scammers told me that the check could be cashed in XXXX hours and indeed Bank of America gave me all the money from the check, the scammers asked me to withdraw the money to buy the computer, printer and all the materials and that they were going to tell me where, then they changed their mind and told me that the company with which they bought the computer and equipment received only bitcoins and they made me buy bitcoins at an ATM, I was able to buy {$2900.00} before someone told me it was a scam, I went to Bank of America and they said yes, what it was a scam, so they told me to deposit the remaining {$1700.00} into my checking account so I wouldn't lose all the money. On Monday, XX/XX/XXXX, the check was bound and my checking account was negative ( - {$2.00} ), I called Bank of America and they told me that if I did not pay they would close my account, they offered me to transfer the debt that I have with them to a credit card and that's what I did. My question is : how does the bank allow its customers to cash checks the next day without verifying if they are good checks? And if Bank of America knows that this is a type of scam, how do they allow their clients to fall for them without warning them? In my opinion, Bank of America has responsibility for this type of scam but they do not accept it and allow it to happen! I don't want this situation happen to another person. I already reported this situation to the police. Report # XXXX
Consumer complaint received 2022-10-28
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. (TX)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update and correct the account right away. 

XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-09
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX23 a legal order debt by XXXX XXXX XXXX XXXX XXXX froze my account and withdrew {$660.00}, {$120.00}, {$2.00}, and {$130.00} from my Wells Fargo Checking and Savings Accounts. My lawyer immediately filed a claim of exemption and requested a hearing. The hearing was held on XX/XX/XXXX2023 and the garnishment was dissolved with all my money to be returned forthwith. Wells Fargo, the garnishee, has received copies of the judge 's orders. I was told it would take 7 to 10 days for my funds to return. Wells Fargo doesn't help me XXXX XXXX XXXX will not help me so i turn to you to get my money back I'm XXXX and can not afford this. 

Thank You XXXX XXXX
Consumer complaint received 2022-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX 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 XXXX XXXX XXXX
Consumer complaint received 2020-12-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

I have been working with the NewRez LLC for over 4 months now. I paid for an appraisal and it was accepted. Its been a few months since completion of appraisal. The company had given me conditional approval of the loan before they claimed to have experienced glitches in their software before asking me to resend most of my information to them again. I am not in a stage where no one is answering my emails or call, and no clear estimate of completion has been communicated to me.
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AFNI INC. (MN)

So I Lost my wallet in the year of 2013 when i turned 18 and went to apply for something i seen my credit had been breached and someone was using my names for multiple reasons i have also proved this to bureuas and everything have been verified and got removed including this. and now its back on my credit lowering my points even more because its appearing as just happened which isn't cool because its like haunting me now and not going away when it just was gone im lost.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc (WA)

On XX/XX/XXXX I deposited a reimbursement check for {$250.00} I received from the state of Washington through Chimes mobile app. On XX/XX/XXXX, I received an email from Chime that they received notice that the bank upon which the check was drawn was refusing to honor the check and requested that I refer back to the maker of the check. I contacted the maker of the check and spoke to the financial department both through email and phone and they reported that they did not request the check to be returned. The issuer of the check submitted via email a copy of the warrant, that the check was redeemed and that Chime did receive the funds. This was confirmed by a Fiscal Analyst through a three way call between them, myself and Chime. The Fiscal Analyst then informed the Chime agent that there was nothing on their end that a request for the funds to be returned was initiated or submitted and told the Chime agent to return the funds, as they were received by them. Chime informed the Fiscal Analyst that the treasury department for the state of Washington was not a real bank. I have been told by Chime that the check that was submitted through the mobile app will be returned to me ( despite me still having the physical check in hand ) and was told in an email : Your check has not been cashed. You may attempt to cash it through another institution, but please do not try to redeposit it to your Chime Spending Account. Since then I have learned, despite its various marketing and advertising listing it as an online bank, Chime is not a bank- it is a financial technology. As a result of Chime removing the {$250.00} funds from my account they have left me with a negative balance and I am now incurring late fees from various companies for not submitting payments I had previously scheduled.
Consumer complaint received 2022-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at the Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account listed below should be corrected straightaway : XXXX XXXXXXXX
Consumer complaint received 2023-04-09
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: National Credit Systems,Inc. (NC)

hi i have so many accounts thats open i have not gave consent to or authorized or even use my ss number i also have 3 cases of police reports and im a victim of id theft i have accounts showed late and im making payments some saying i owe huge balances and i never open the account a house eviction and never been evicted i have some saying account closed but want removed off credit i also have some reporting and not sure who the company is i really will appreciate if everything can be removed ive dispute the credit all 3 credit companies dispute and investigated and nothing has changed. I also call the company that reports it they filed for dispute and its not removed these are not accurate at all
Consumer complaint received 2023-05-21
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: Bread Financial Holdings, Inc. (VA)

Someone stole my credit card then used it fraudulently. I contacted the card user about the fraud. I sent the card issuer an identity theft affidavit & a police report. Cemenity Bank, the card issuer, is refusing to remove the negative information from my credit report thereby violating the fair credit reporting act.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/2024 I called my Capital One bank about a Credit Card that was opened upon my account without my consent and my knowledge and also I never applied for it. I asked them to closed it and I filed a fraud report with them
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BMO Bank, N.A. (WI)

I am going though identity theft! It has completely turned my life upside down making me paranoid, and has brought out challenges as in my XXXX and heightened them as well I have meet and exceeded expectations that the bank has requested in my option, and have had to be part of my own dehumanizing. As I am XXXX I am asking for a reasonable accommodations for my XXXX so I apologize in advance if I mispronounce, might not ask or explain thing probably. I do appreciate your patience with me. I have been a customer with BMO HARRIS sense XXXX in XXXX I opened a business banking account for my charity the XXXX XXXX I do outreach and advocate for individuals with XXXX including myself I was refused the reasonable accommodation as well as simple fundamental customer rights I believe the identity theft is though the bank I am convinced I am truly at a loss for words as I watch my credit score and my public image, and mental heath are diminishing. I live on a fixed income and cant afford the money, time from school, and the Commuity that I help I am also part of the XXXX XXXX XXXX of ccs programs of XXXX county and I have put everything on hold they have subjugated me to ableism on a level that has left me crying myself to sleep nightly. I never asked to be born little loan with XXXX and I have overcome all adversities life have thrown my way but this one with the bank has prolly been the hardest and thats a bold statement please help me I have supporting documents as well I have went to the bank over thirty times in the last two months only to be refused service or misspelling my name on the business account and the refusal of the documentation from the IRS on two different occasions I was flagged as fraud as well because the misspelling of my name multiple times from the bank has me as having alias and now my capital one accounts were compromised as when the 360 banking with capital one reached out to verify me XXXX XXXX XXXX gave them false and fraudulent information about me I know this sounds far fetched but I can prove everything with documents and a mound of evidence thank you for taking the time to reach this sincerely XXXX XXXX XXXX.
Consumer complaint received 2024-06-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (PA)

Im a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved. Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. DEBT RECOVERY SOLUTIONS , LLC is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion.

This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C. 1692 ( G ) Section 809 ( B ).

THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.

This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities
Consumer complaint received 2023-03-14
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. (NJ)

In XX/XX/2021 I was a victim of a hit-and-run accident sustaining multiple injuries. My medical bills have been paid by my auto insurance and medical insurance. Experian was given all the proof of payment by XXXX and still they refused to remove it from my credit report and reporting false information. The so-called Collection Agency named XXXX XXXX has been threatening me with calls and under investigation by FTC. Experian 's action is unlawful and lied to CFPB on multiple occasions. 8 times I filed dispute through Experian website with testimony and proof that I am not responsible for this and my auto insurance and medical insurance paid all legitimate amounts.