davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Sent to XXXX XXXX XX/XX/XXXX I pray this message finds you well. I had an encounter with the Bank of America in XXXX of XXXX that derailed me and my business and I need to address it so we can come to a resolution. I was a small business client with the bank. At the time, I received a payment from a client who was not authorized to pay from the account used. I received the payment and used it to make purchases on behalf of the client. When the authorized user of the account reported their funds were used without their knowledge or consent, the bank charged back the funds from my account. I, at the time unaware of what happened, wasnt even given the chance to issue a refund. When this happened the bank made the business decision to close my account. When I asked to recall the funds from the payment I sent out, in order to recover my funds, I was told that there was an ongoing investigation into the account and that I couldnt recall anything until it was complete. I was told would be notified when it was done. I never received any correspondence about the situation until I finally decided to reach back out to the bank about 8 months later. In those months, still believing that my account was under investigation, I ceased my business activity awaiting feedback from the bank. When I reached back out I found out that the investigation was ended within a week of when it began. I was told that the 60 day recall period had lapsed and that I was no longer able to receive the funds I sent. I lost this money based on the negligence of the BOA and I was unable to recover the funds from the supplier who I am to this day unable to reach. I am currently looking to sue the bank for the payment ( XXXX ) as well as for the money that I should have made in the last almost two years ( minimum XXXX per month ). I was advised to send in this formal complaint before reporting to the cfpb and occ and suing the bank to offer the opportunity for the bank to settle out of court. I can be reached at this email address as well as by phone at XXXX. 

I look forward to hearing back from you, XXXX XXXX
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy, 15 USC 1681a ( 2 ) ( B ), 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose and FCRA 623. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX  XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : {$7500.00} XXXX XXXX XXXX : {$5000.00} XXXX XXXX XXXX : {$6100.00} XXXX XXXX XXXX : {$8800.00} : XXXX XXXX XXXX : {$3800.00} XXXX Original Creditor : ) : {$230.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX : {$9100.00} XXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXX : {$3000.00} XXXX XXXX XXXX : {$4300.00} XXXX XXXX XXXX : {$9500.00} XXXX XXXX XXXX : {$4300.00} XXXX XXXX XXXX : {$3000.00} XXXX : {$700.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  : {$300.00}
Consumer complaint received 2020-06-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/XXXX Capital One Bank placed a restriction on my line of credit without prior notice to me. I had a {$5000.00} PLC since XXXX XXXX it was originated with XXXX XXXX  acquired by Capital One ). My PLC was used during the previous year. 

I discovered that my PLC was changed when I went to my on line account web site. The PLC was no longer listed. Today, XX/XX/XXXX, I called Capital One and the agent informed me that as of XX/XX/XXXX my account was restricted. This was due to a Capital One decision to terminate all PLCs. I was also informed that the letter to inform me of the change will soon be sent to me. Also, I was informed that PLCs not having any activity for the previous 12 months were terminated in early XXXX. 

I do not have a problem with Capital One 's decision. However, Capital One should have issued appropriate notice so that I could make other arrangements. Yesterday, I was nearing a decision of a very large purchase which may have tapped my PLC. I would have had a bounced check because I did not know on Capital One 's actions. 

Further although it will be small impact to my credit rating, I expect a small drop do to elimination of credit.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX reporting to alXXXX XXXX bureaus that account was paid late 30 days in XX/XX/2021 however it was paid within timeframe. Company refuses to correct to credit bureaus now my credit report reflects negative
Consumer complaint received 2020-01-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc. (TX)

Conns XXXX XXXX started calling me on XX/XX/XXXX. Thwy are looking for someone named XXXX. I received 2 calls on the XXXX, XXXX on the XXXX, XXXX on the XXXX, 1 on the XXXX and one today ( XX/XX/20 ). I have explained to them that they have the wrong number. I have blocked their number, and now Im issuing this complaint. Each time I block a number, they call from a new one. When I tell them that there is not an XXXX here and that this has been my number for over a decade they say that Ill be removed. Sadly, they just keep calling me. If this continues, I will have to contact a lawyer and sue.
Consumer complaint received 2022-08-17
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: EQUIFAX, INC. (NY)

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite four previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
XXXX XXXXXXXX Date Opened XX/XX/2014 Balance {$0.00}.
Consumer complaint received 2024-02-23
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. (KY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX 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 2022-10-05
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-11-27
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. (AK)

Experian is falsely reporting an account in my name that had been determined opened in error along with the corresponding invoice inquiry. 

XX/XX/2023 I had called the XXXX XXXX XXXX XXXX XXXX department and it was determined this account was not mine and it was opened in error. I have written documentation from the company stating this. They ( XXXX XXXX ) also state that they will request all XXXX bureaus to remove account of XXXX XXXX and inquiry. 


XXXX and XXXX removed the account and inquiries almost XXXX weeks ago. I received notification XX/XX/XXXX that Experian placed the account on my report and kept the inquiry as well. 

I want this removed!!!! We are supposed to be closing on a home in two weeks. If the false reporting messes our closing up I am taking legal action.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

With a credit score of XXXX in XXXX, I bought a house in XXXX, Tennessee. I got my mortgage at Wells Fargo. in XXXX I had financial difficulties with losing my job. I had been trying to get a loan modification with Wells Fargo. they told me the process was longer than usual and to call back " next week '' I would call every Monday and I was told the same thing repeatedly. Call back 'next week '' I was told that it's in the process. After so much time went by, then I got a foreclosure notice! I lost the house I was trying desperately to save. I was put off so much that bank foreclosed on it.
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NJ)

Remove these fraudulent accounts from my credit report immediately I'm a victim of identity theft. Block this information within 4 business days, as required by FCRA Section 605B, and notify all those providing this false info. Act now or face legal consequences. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report. : XXXX/XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX
Consumer complaint received 2020-01-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TIDEWATER FINANCE COMPANY, INC. (GA)

I had an auto loan w/ Tidewater XXXX XXXX . The car was repossessed in XX/XX/2014 approx., they are in turn suing me for the remaining balance. They had auctioned the car off which left the balance at XXXX. They ended up garnishing my wages and received XXXX. This garnishment was lifted because they attempted to go through my previous employer. While this lift was in place I negotiated to pay the Lawyer that is handling this debt ( XXXX XXXX ). Over the course of time I've paid in total XXXX. Yet they are stating I still owe XXXX ( for fee 's because I've already paid the loan amount back ) and are again garnishing my wages. So technically they will be getting well over XXXX from me for a car that's not even worth that amount and no longer in my possession. I am in the process of waiting for my court date, I went to the lawyer 's office where payments were being made and requested transaction history. What was provided was not sufficient enough to break out exactly how my I owe nor how the payment 's have been applied to the creditor/law/debt collector etc. The only thing the lawyer stated he could do was reduce the amount that would be garnished from 25 % to 20 %.
Consumer complaint received 2023-12-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (TX)

I sent a letter to this debtor " Procollect '' because I received a copy of my credit report and on the credit report i found that this debt collection was inaccurately reporting on all three of my credit reports, XXXX, XXXX, XXXX XXXXXXXX. This debt which does not belong to me has hurt my credit report score causing my credit to drop several points. I have never received any documentation stating that this debt belong to me, nor have i had an opportunity to dispute the fact that this debt belong to me. Therefore, I am asking that this debt collection be removed from my credit report immediately. 

Under the Fair Credit Reporting Act, 15 USC 1681, I am expressing my right to demand that the disclosure of their compliance with Metro 2 and disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning this account. I have asked that they send these files which they have not. 

It is my right that under the FCRA 15 USC. 1681I, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that this is my account with in 30 days it must be removed from my credit report. I will be also filing a complaint with the FTC and the attorney General of the State of Texas.
Consumer complaint received 2020-06-10
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. (GA)

There are several Items reporting inaccurately on my credit report. The following items are reporting inaccurately : Incorrect Address : XXXX XXXX ( XXXX ) Incorrect Name : XXXX XXXX ( XXXX, XXXX, TU ) There inaccurate lates reporting on the following accounts. I was never late on the following accounts : XXXX XXXX - Opened XX/XX/XXXX XXXX - Opened XX/XX/XXXX XXXX - Opened XX/XX/XXXX The following accounts are reporting as a result of identity theft : XXXX ( XXXX XXXX XXXX ) - Bal. {$2700.00} Unknown - Opened XX/XX/XXXX - Bal. {$260.00} Unknown - Opened XX/XX/XXXX - Bal. {$190.00} XXXX XXXX XXXX - Opened XX/XX/XXXX Balance. XXXX
Consumer complaint received 2020-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I had to be quarantine in my home in XXXX Florida and work from my house and my computer and Purse were in my property and acquaintance of my daughter came over and he was able to get my debit card on my Social Security and credit and look on my computer and my passwords and he used my debit card and it was {$7000.00} and Wells Fargo would not communicate with me they wouldnt let me talk to anybody because I found out what happened and I gave them all the reports and everything and they denied my claim and they also gave me are the run around for two weeks I had Evidence and everything but they still wouldnt let me update would it happen it has been a nightmare
Consumer complaint received 2020-06-10
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. (CA)

I am preparing to purchase a home, I have been monitoring my credit report thru XXXX XXXX and noticed there are still inquires that do not belong to me nor did I give authorization to run my credit on Equifax. They have been removed from other bureaus so I am not sure why they are still on here. Please remove these items : XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX | XX/XX/2019, XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX | XX/XX/2019. These items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I would get an overdraft fee when I would go negative and it was a Wednesday and I get direct deposit every Friday so each day would be another fee. Another time I had money saved in my checking account and they basically wiped me out because of some issue and wouldn't give me back the money. So ended up closing my account because there was to many issues.
Consumer complaint received 2023-11-27
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. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX 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 2020-06-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

I ( had ) 4 accounts totaling over {$70000.00} with chase bank including a business account for past 3 years. We went to the Chase branch in XXXX XXXX in XXXX OH since I wanted to open  another account for my in-laws. I am a US Citizen, but my in-laws are green-card holders and often visit us in the USA and stays with us for a year or so for each visit. We provided the original green-card, social security card and their passports to the banker. I added myself as the authorized individual to my in-laws account for emergencies. After few days, we receive a letter stating my in-laws need to show their proof of address in 3 days otherwise their account is going to be closed. Apparently immigration letters and social security letters serve less value vs driver license or utility bill!!! I was going to be out of town and I told them to close it and we will re-open another account later. But in day 2, I learned that all my other personal accounts are also frozen and scheduled to be closed as well. Although I did not do anything wrong nor illegal and my in-laws were not on my accounts. My only crime was that my in-laws happen to have an XXXX passport and they are XXXX XXXX XXXX and as the 3rd member my social security number was associated with their account too! I had deposits coming in and I have already made bill payments which will not be cleared due to this bank 's action! Chase did nothing to resolve the issue. The branch banker says that at the time he opened the account, he was not prompted any kind of alert by their system for additional document or proof of address. So, their system, their errors, but the consumer has to go through the hassle and overdraft fees and late fees regarding the bill payments! They are doing NOTHING To resolve the issue on their end and keep saying that we will make you a check in next 10 days! This is clear discrimination and lack of management on Chase behalf! If their system is faulty, why consumer has to go through the hassle and financial damages.