davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX, I noticed the name on my electronic profile was the incorrect name, I contacted Bank of America to see what was going on as this happened back in XXXX and was resolved with minimal explanation ( complaint number with CFPB : XXXX ). After explaining what happened I was told they would open a ticket and get back to me the beginning of the following week. On XX/XX/XXXX I called back and they said the ticket was left open with no action on it. They reiterated to me that the only way a name could be changed was if I walked into a branch. One gentleman with the fraud department was able to tell me that the change was made on XX/XX/XXXX. They stated someone would provide me an update within a week. No one called. I reached out again the following week and was told that the ticket was closed and no one reached out. The next person submitted a complaint on my behalf as the name was still incorrect and there was no movement or explanation. Again no one reached out. I contacted Bank of America again on XX/XX/XXXX and they stated they did not have any movement on the complaint so they submitted another. The following week I reached out again and had to beg to talk to someone regarding my identity being changed on my account. At this time they finally had a gentleman reach out to me and explain its due to my account being linked to an erroneous account and a systematic update. They cant explain why my account was linked and why the incorrect name was on the account they also can not prove to me the account is secure. Due to my name not being on the account I did not pay the balance and was told that I would not be responsible for late fees and interest on my first phone call as the error was made on bank of americas end as they stated the only way a name can change is by me. They are now saying they cant wave fees until I make a payment on the account. They did not change the name on the account back until XX/XX/XXXX, they still have no explanation of how my account can be linked to an incorrect account or proper timelines. I have spent at least 12 hours on just the phone alone and Bank of America has no valid explanation of how this could happen and is unwilling to wave any fees.
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (IL)

I Dispute Owning Any and All Alleged Debt to the Collection Company SPRINGOAKCAP XXXX Spring Oaks Capital LLC of XXXX VA. 
Date Opened XX/XX/XXXX Balance of {$680.00} Payment Status Listed as Collection/Chargeoff Can not Be Accurate. The Account Can not be both a Collection and Charge Off Date Last Active XX/XX/XXXX Can not Be Accurate. It is Simply Impossible, False and Deceptive. 

The Illinois Statute for Collecting Debt has Already Expired and Passed for this Alleged Debt. 

I Revoke All Rights of Spring Oaks Capital Collection Company from Communicating with Me via Mail, Email, Text or Telephone Calls. 

Spring Oaks Capitol Collection Company has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) And have placed a Collection on My XXXX Consumer Report. 

I have not been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Spring Oaks Capitol Collection Company is violating my consumer rights by Using False, Misleading, Misrepresentation, and Deceptive Means. 

Spring Oaks Capitol has made Several Inquiries to My XXXX Consumer Report without My Consent. 

Spring Oaks Capitol Collection Company has no authority to furnish any Account to a Consumer Reporting Agency Without providing any and all disclosures Required by law and are in clear violation according to 12 CFR 1006.34 ( d ) AND 15 USC 1681-S2 ( 7 ) ( A ) I am requesting Proof of Notification that this Collection Company provided Me prior to this Account being added to My Consumer Reports.

I am requesting the Method of Validation for this Alleged Debt.

I am requesting the Purchase Agreement between this Collection Company and the Original Creditor that this Alleged Debt was Purchased from.

I am requesting Proof that this Collection Company is Licensed and Bonded to Legally Operate as A Collection Company.
Consumer complaint received 2023-02-24
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)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. under section 605b of the FCRA, you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. ()

This is my several 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 records 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. 
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 Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX  XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$170.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2021-07-06
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. (CA)

The company didn't notify customer when auto-payment fails, not by email, not by text. Let the late fee to roll up and customer find out of that 2 month later, then the company force the customer to pay {$100.00} late fee for {$120.00} unpaid amount, and report 2 month late in the customer 's credit report, which will be there for 7 years. That's the only bad thing on the customer 's credit report. 

The credit report company didn't show the unpaid amount, which is only {$120.00}, but only show there are 2 month late payment, and show there for 7 years, which is affecting customer 's financial benefit for 7 years whenever the customer is doing mortgage or refinance, it is super unfair.
Consumer complaint received 2020-06-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (NJ)

My investment account with XXXX requires a link to my bank account with PNC and I would like to do that but for some reason PNC is not allowing me to do that. Today ( XX/XX/20 ) I tried to link my accounts and I was unsuccessful because PNC changed something and will not allow it. Please investigate. Thank you.
Consumer complaint received 2024-02-27
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: Experian Information Solutions Inc. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or a prompt amendment of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (TN)

XX/XX/XXXX PayPal hard inquiry. I didn't apply for it XX/XX/XXXX XXXX XXXX XXXX  hard inquiry not my account XX/XX/XXXX XXXX  hard inquiry not my account XX/XX/XXXX PayPal hard inquiry not my account
Consumer complaint received 2023-03-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (NC)

This complaint is about Ally Bank On XX/XX/2023, i logged into my account to do a XXXX transaction, this was my first time using XXXX  with Ally. The Ally app notified me that something went wrong and that i should call in to verify some information before i can proceed with XXXX. I called in at XXXX XXXX and talked to an associate that said that i would not be able to use XXXX  because they can not verify my number. 
After about an hour or so, i tried to log into the app again and this time there was different notification. It stated that i was locked out of my account because of 'fraud '. I called in again and they mentioned that, the bank is locking my account even though i had provided all the information needed to verify my identification. The customer rep for Ally bank said that the account will be frozen for 30 DAYS as they carry out the investigation. 
I am in need of the funds in the account since im currently traveling and that is my only source of income.
Consumer complaint received 2021-02-07
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: CITIBANK, N.A. (NJ)

I am furious. My credit card numbers were stolen and 58 fraudulent charges were made on my account ( {$3300.00} in total ). I promptly advised Citi of the theft. I spent over an hour on the phone going over the false charges and was assured they would cancel/reverse the fraudulent charges. A replacement card was sent out and Citi immediately cancelled the card. 

A week later Citi had a person call me who spoke absolutely no English. I tried to go over the charges/fraud again. He did not understand a thing I was saying. Despite my repeated requests, he refused to transfer me to someone who spoke English. Finally, I told him to have a supervisor who speaks English call me or send me in writing any further requests for information that they needed. He hung up. 

When no one contacted me by phone or letter or asked for any supporting documentation in the next 3 weeks, concerned, I checked online. Citibank had failed to put in dispute a single one of the charges I had spoken to two fraud specialists about ( and had cancelled my card because of ). 

I then spent an entire day submitting my dispute online on XX/XX/2021. I told Citi in the disputes online that I was mailing all of the supporting documentation to show fraud. Instead of doing any investigation, 3 days after I submitted the dispute and before they could have even received my documentation, they falsely stated that I had failed to respond to their ( non-existent ) request for information. 

I have copies of everything. This is where I sent the documentation : Fraud Investigations/ Dispute Resolution Citibank XXXX XXXX XXXX XXXX XXXX KY XXXX I provided them with a complete list of all fraudulent charges, all of which were easily traceable to other people ( train tickets even had names on them and all the furniture and XXXX charges had to be delivered somewhere ). I also attached the official XXXX XXXX of all of my account charges for the relevant time period so that they could see valid charges vs fraudulent, e.g. not charges made from my account. I provided a sworn attestation and agreed to fully cooperate in their investigation. 

It is unbelievable that they did no investigation at all. I will be closing all of my accounts with them and switching to a different bank card. This company 's willful disregard of teh law or gross incompetence is outrageous. I have never had this problem with XXXX or XXXX.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

To whom it may concern, i am writting to dispute fraudlent information on my credit report pursuant to 15 U.s.c 1681c-2 i have enclosed a copy of my police report / ftc idenitity theft report to support my idenity theft claim .These are multiple unquires all withn one day of each other on my credit report but i authorized one of them.please remove all of these unauthorized inquries immediately.

U.s. code 15 u.s.c {$1600.00} et seq.section 604 of fair credit report act. 
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 2020-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Neon Newco Corporation (FL)

I put money on my netspend card and they will not let me withdraw or let me pay bills. They will not refund the money or transfer the money to an active debit card. My bills are now being shut off and no matter how many times I try Netspend or supervisor they either hang up or tell me someone will call be in 1 - 3 business days.
Consumer complaint received 2023-08-16
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. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-07
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: ENCORE CAPITAL GROUP INC. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2023-01-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

XXXX has sent me 12 letters in regards quote : TO PROTECT ME THE CONSUMER THEY CANT GRANT ME DISPUTE REQUEST TIL NI SEND THEM PROPER IDENTIFICATION there idiots and responses are frivilous I sent them Passport State ID and Copy Of My Bank Statement as well attached again with this XXXX Complaint since I have 22 open complaints against XXXX Experian XXXX at CFPB lack of responsabilitys to enforce I am asking all 22 open cases to be closed as I have exhausted myself with this waste of tax payers money agency CFPB and exerciscising my right with Attorney to represent me, attached is my last of many open complaints here AGAIN FOR THE RECORD PASSPORT STATE ID AND BANK STATEMENT ( XXXX JUST GOT ADDED TO THE LAWSUIT ) CFPB PLEASE BE ADVISED IAM GATHERING INFORMATION TO SEE IF I CAN ADD AS WELL you have closed and responded many and tagged it as duplicate THESE 3 CREDIT BUREUS AS WELL AS ME YOUR AGENCY IS A JOKE AND THESE 3 IN REGUARDS NO HOW TO MANIPULATE YOUR SYSTEM the attached is AGAIN proof that XXXX as well XXXX responses are not alone lyes but slapping you in the face stating they can do what ever there hart desires CFPB YOUR NOT AT ALL HERE TO PROTECT US YOUR JUST A MIDDLE PERSON PROVIDING PUBLIC INFORMATION were investigating if your even publishing this XXXX SEE ALL LIABLE IN COURT MARK MY WORD
Consumer complaint received 2021-07-07
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: Lending Club Corp (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2023-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NC)

XX/XX/2023 my XXXX account was logged into by an unknown individual and they've ordered two gift cards from this place called " XXXX 's XXXX XXXX. '' The location of this person is in XXXX, XXXX, XXXX according to the bank statement transaction. I reported it the same day to my bank and contacted XXXX. XXXX lied to me multiple times by different people telling me how they handled the situation. The very first time, I called XXXX. They told me that they canceled both cards and reported them to the fraud department. I hung up that day feeling relieved that everything was sorted out. I noticed I didn't get any emails about refunds and contacted them again about it and told me that they were going to process my money refund then and then they wrote me two fake emails like everything was official and solved. Later, I contacted them again and multiple people from XXXX just kept playing around with me like they were gon na help me and kept transferring me to different people who didn't help and only lied too. After that, I gave up with XXXX and called my bank. They told me how they received both my disputes and were gon na raise an investigation on them. Later, I was denied any funds from the fraudulent transactions. I opened a rebuttal to the denial with all the proof ( my location, I gave them my ssid over phone, suspicious websites I went to, etc ) I could and was denied again. I googled the XXXX XXXX XXXX because I didnt orginally know what that was and I found out that I'm not the first person who was charged fraduently by this location on this websibe called XXXX XXXX XXXX Here 's the link XXXX XXXX XXXX XXXX and also that same day I got that strange charge, my email was flooded with scam emails ever since. I today saw that they changed my transaction name to just XXXX and not the XXXX XXXX XXXX. got a new bank card, password, and reset my XXXX account and now I will switch everything over to a new email I've created. There were only two situations in which I may think I have got my details stolen : 1 ) I went to this website called XXXX : XXXX. I had last put my banking information there to purchase something for myself. 2 ) The other was me with someone with XXXX. I gave them my XXXX email address to send me money and we had a " trust '' situation going where I had sold them a game account without any security. The account was sold for exactly XXXXXXXX XXXX the very next day, I've lost that exact amount. The seller didn't have my banking details directly but the game account details was the same email I used for Chime and the same password I use for Chime. " XXXX '' and my old password was " XXXX. '' I don't know what to do so I did research and found this place.
Consumer complaint received 2020-09-28
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. (NJ)

XXXX NEEDS TO DELETED XXXX NEEDS TO BE DELETED THESE ARE NOT MY ACCOUNTS I WAS FORCED TO PAY. THEY PROMISED TO DELETE THESE ACCOUNTS ITS DESTROYING MY LIFE AND MY FAMILY.
Consumer complaint received 2023-03-16
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. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of inquiries in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Stark Collection Agency, Inc. (IA)

Stark Collections # XXXX is reporting a debt to my credit that should not be on there. I never received any kind of notice or 30 day right to dispute regarding this debt. I had no idea it existed until I saw it on credit and then I paid it as soon as I found out about it. This debt is now paid and they are in violation of my 30 day right to dispute.