davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2019 I realized almost immediately ( due to habit to check my accounts ) that two fraudulent transactions were processed from my checking account using a bank tool called XXXX to an individual with the name " XXXX '', they were two transactions {$500.00} and {$2500.00} totals {$3000.00}. I did transfer {$100.00} to XXXX ( real ) days before, but this " XXXX '' has a different phone number and he doesn't have account with the bank were the money was deposited through the fraud transactions. Moreover, I was on the phone with Bank of America representative filing my claim, I was also communicating with XXXX ( cellphone service provider ) through a online chat because the hacker after he made the fraud transactions he damaged the SIM card and was unable to access my cellphone. Later the XXXX representative recommended me to go to the store and found out what was happened. In the store representative confirmed that I don't have service due to the SIM card was damaged and I bought a new SIM to be able to have service. Lastly, anytime that XXXX transfer is made is generated an email with transaction detail ; I had not received any email from Bank of America for the subject two fraud transactions. On Monday XX/XX/XXXX I received a letter from Bank of America stated the denial of my claim. I feel that their analysis was superficial and without considering all the facts.The amount is not insignificant, I really need to be credited in order to pay my mortgage and bills. I have colleagues and friends that have the same issue before and the bank credit their claims based on the facts. I did not need to transfer that amount to anybody and I can provide XXXX info to probe. This is a federal crime so I am willing to speak with FBI - Financial Crime Division.
Consumer complaint received 2019-07-16
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: EQUIFAX, INC. (GA)

XXXX XXXX The company was XXXX and reported late and I was never late. Company reports the wrong amount and based it on biweekly payment. I was never late on this account XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( Equifax, XXXX, XXXX  XXXX XXXX balance XXXX is not my account but on my credit ( Equifax, XXXX, XXXX  will not remove and XXXX will not answer my calls ) XXXX   XXXX XXXX reported on Equifax not my account XXXX XXXX XXXX   {$990.00} Reported on XXXX, Equifax, XXXX not my account and was not removed XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance on XXXX  & XXXX and was not removed XXXX collection account doesnt belong to me and was not removed. 
XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX {$950.00} Original creditor : XXXX XXXX XXXX XXXX   XXXX Last reported XX/XX/XXXX {$510.00} Reported balance on XXXX  and XXXX not my account XXXX collection account reported on my report that does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX closed account reporting on my XXXX report that will not be removed it doesnt belong to me ( Equifax Equifax inquires that are not mine contacted equifax and creditor to remove but no help XXXX XXXX, L Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX inquires not from me. I have reported by XXXX   has not removed XXXX Inquiry from XX/XX/XXXX Bank XXXX-XXXX  Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Acc Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Auto Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX inquires that do not belong to me XXXX XXXX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX 2018
Consumer complaint received 2024-02-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ACIMA CREDIT, LLC (FL)

ACIMA keeps sending me notice that I have an account and that I do not have. They have taken money from my account which ive asked back for because I was declined. 

I have called, emailed and no resolution. 

I applied for something from ACIMA before and was approved and paid it off. 

I applied again and was refused for furniture, I did this online and was refused I did not do this In store. 

Please can this be resolved I received no furniture and to my understanding this was declined.
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (MA)

I attempted to request a XXXX XXXX  interest rate many times and they denied my request. I have been in the intensive care unit and i am not able to work due to balance issues and lack of fine motor skills due to an XXXX XXXX XXXX. I am not able to make payments and have no income.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ERC (LA)

Account : XXXX XXXX # XXXX Pursuant to 18, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2, company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4. 

Account : ENHANCED RECOVERY CO L # XXXX I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( XXXX XXXX authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a XXXX entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security, or Breach Notification Rules. I do not recall giving permission to release my medical information to a third party. am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization XXXX COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following XXXX requesting that the XXXX-covered entity or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an original bill, and a detailed statement of procedures is required. if any. Please provide a breakdown of fees, including any collection costs and medical charges, if any Please provide a copy of my signature with the provider of service to release my medical information to you Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer. if any. Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certificate of authority. and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA, XXXX.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my credit reports. The credit report showed my student loans which I did not authorizie. I understand that it shouldn't be allowed to put on my file unless I have authorized it. 

According to 15 U.S. Code 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I notified the Credit Bureaus on XX/XX/XXXX and XX/XX/XXXX also XX/XX/XXXX. 
Notifying them that they do not have my legal consent to share my information. 
The amount of my Student loan is XXXX. 
I notified them stating that I have sent letters certified mail because I needed prompt response to this issue.
Consumer complaint received 2019-12-02
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. (OH)

XXXX is reporting an account on my tradelines by XXXX  XXXX XXXX/XXXX  XXXX. I contacted the number listed and spoke with a representative named XXXX on XX/XX/2019 at XXXX. XXXX told me that they don't have the account and she don't know why it's being reported. There is no reason why this account is being listed on the credit report and there is no file there according to their representatives. I disputed this account with EXPERIAN who stated they verified the account is accurate. There is no way they could have verified the account when in fact the company told me there is no account there.
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC (TX)

GLSLLC inaccurately reporting late payments on my credit files. XX/XX/2019 and XX/XX/2019 are being shown as lates. How can the company reports a late payment when it's not past the month?
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: The CBE Group, Inc. (NV)

The CBE Group has harassed me for three years, wrongly saying that I owe money, XXXX XXXX to XXXX XXXXXXXX XXXX when I sent the documentation to them with the information that is incorrect. I proved that I do not have two other people living in my Apt . however they have continued to harass me via phone, email and snail mail. I demand it cease because I am not going to ever pay for someone's mistake on a recertification application. More so, the unit is only for one or two people, only. The mistake was from the management person in the Apt . complex, and I asked her to change it multiple times, but it seems she did not do her work. This is a fraud problem and a scam to XXXX XXXXXXXX which I am. Get them off of my back!
Consumer complaint received 2023-06-08
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. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-11
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. (CA)

I am a victim of identity theft and i went to all 3 credit bureas to get the fradulent items removed from my credit but the only bereau that has removed all the negative fradulent activity is XXXX they did an investigation and it did show that it was indeed fraud. the problem is i have contacted experian and XXXX  for the past 3 months and they have not removed what XXXX  has removed from my credit, i have called, and mailed them numerous times and they dont make these changes.
Consumer complaint received 2019-12-11
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. (NC)

I'm a victim of identity theft so I filed an identity theft complaint with the FTC and I also went down to the police station to get a police report, after that, I sent this information into all three bureaus and the collection agencies. As a result, every company deleted all fraudulent accounts except Experian, they deleted some things but not everything. According to section 605 B of the FCRA, if there's a dispute letter attached to a police report, the credit bureau has to automatically delete the items, but Experian haven't so, therefore, they are guilty of willful non-compliance. This company left these things on my credit report. 

XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX
Consumer complaint received 2019-07-16
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: Experian Information Solutions Inc. (DE)

In XXXX of 2019 I contacted XXXX  XXXX and Experian to have non-holding account inquiries removed from my credit report that I did not authorized. They refused to do so and did not send any validation showing that I did under the Fair Credit Report Act. 

The following inquiries should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (MO)

I am a consumer with us bancorp and I was trying to activate my VISA debt card  though XXXX XXXX  and what I was hearing from every rep on the phone they are allowed to activate their cards though email and text but as for me I am being treated unfairly how I do my debt card activation and putting a verbal password on my account so no ONE like a fraudster won't access my account though my personal information and getting my statements on my email when I get like my paycheck and what is my breakdown for the mouth but US Bank refuse to send my activation code to activate my VISA card though email refuse me to get my statements and refuse me to put a verbal password on my account for security and refuse me to access my account online on my XXXX XXXX to see what my account number is and I am not happy how us bank treat me as a consumer who does not know what I am doing on my account.
Consumer complaint received 2019-07-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX Credit Card Services made an urgent request to XXXX   and Experian Consumer Credit Bureaus in order to removed this account from my credit report since XX/XX/XXXX, I will attached the letter that was sent to XXXX and Experian. This issue has not been resolve I have been calling XXXX and Experian since XX/XX/XXXX and they stated they have not received any letter or request
Consumer complaint received 2023-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is reporting negative inquiries on my consumer report illegally without my consent. Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IN)

To Whom It May Concern : I have been in contact with Chase Cardmember Services about a dispute that clearly falls under the category of " goods received were not as advertised. '' I sent in a very detailed report that showed how the goods were not as advertised and how I didn't even receive some of the goods purchased in the same order. Their response was, " While you may have a valid complaint with the merchant, the results of our additional review confirm that the transaction is valid and no billing error occurred on your account. '' It's hard to understand how they could have come to that resolution, given all of the details I sent through that clearly demonstrated that in fact I did not receive what was advertised. 

The merchant is easily identified as a fraudulent company from a basic XXXX search as well, which I also provided evidence for. 

I want to escalate this so that it is reviewed by a competent oversight authority. 

Thank you in advance for your assistance, XXXX XXXX
Consumer complaint received 2019-12-11
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [transactions that I have made/accounts that I have opened], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-12-11
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)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [transactions that I have made/accounts that I have opened], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

Hello! Wells Fargo closed my checking account for no reason and is not giving my funds from the account. My mother ( XXXX XXXX ) recently send me 8 different transfers ( between XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) from her country XXXX ( her local bank XXXX  ) little over XXXX XXXX XXXX  to help me and my family with down payment for the cabin we are looking to purchase. All the transfers went through without problems in till XX/XX/XXXX| received an email from Wells Fargo that they closed my account because of suspicious activity. I went to local Wells Fargo branch in XXXX XXXX first thing I no the morning XX/XX/XXXX and the representative there asked me to call the fraud department as he can not help me. I called the fraud department right there at the branch and they told me that the transfers my mother ( XXXX XXXX ) sent me from her account to my ( XXXX XXXX ) are from XXXX XXXX to XXXX XXXX? Why would my mother XXXX XXXX send money to herself to my ( XXXX XXXX ) account? Now they blocked me from all access to my account and I can not get my money. Wells Fargo wants my mother ( XXXX XXXX ) who is and lives in XXXX XXXX to go to Wells Fargo branch with 2 forms of ID in order for me to get my money?? This is my account, under my name only and my mother clearly sent that money to me. Please help me, this is very large amount of money for me and my family. Wells Fargo is just not giving me my money that my mother sent me.
Consumer complaint received 2019-12-11
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)

Been trying to get Experian to delete these alleged accounts and inquiries. Experian did not do anything but denying. Sent them proofs that other credit bureaus had complied with my request.- XXXX #XXXX- XXXX/XXXX #XXXX- XXXX/XXXX #Inquiries: - XXXX XXXX- XXXX- XXXX XXXX XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

In accordance with The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 ( section 6 0 4 a section 2 ) states a consumer reporting agency can not furnish an account without written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.