davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In connection to my complain # XXXX and your reply of XX/XX/XXXX with reference to the BofA Department as a follow up. 
On XX/XX/XXXX I received following email : " Dear Ms. XXXX XXXX : Our Regulatory Complaints team has received correspondence on your behalf from the Consumer Financial Protection Bureau ( CFPB ). 
I am your dedicated point of contact until this matter is resolved. Please note that the Bank of America email address this is being sent from is not monitored for incoming messages ; therefore, please contact me directly at the number listed below at your earliest convenience. 
Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. Please contact me by XX/XX/XXXX to confirm that information. My phone number is XXXX extension XXXX, and I am available Monday through Friday, XXXX XXXX to XXXX XXXX. Pacific. 
I look forward to assisting you. 
XXXX XXXX, Resolution Specialist Regulatory Complaints-Chief Data Office Bank of America ( XXXX ) '' Despite my multiple attempt on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, within the time frame posted, to reach for the Mr XXXX and left voice messages with my name and phone number, no further reply of any kind had been received by this day. 
It was more than 90 days than Bank of America has been investigating the fact of deliberate release of my funds to the criminals as a result of property and Identity theft. On XX/XX/XXXX claims had been honored and funds had been posted to the " frozen '' accounts. Current status of the funds is in processing state from XX/XX/XXXX.
Consumer complaint received 2023-06-22
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Capio Partners, LLC (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2022-12-28
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$3600.00} Highest Balance {$0.00} Terms 36 Months Account name : # XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$520.00} past due as of XX/XX/XXXX. 

Status Updated XX/XX/XXXX Balance {$520.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$520.00} Highest Balance {$0.00} Terms 1 Months1234, Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Open. {$18000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$18000.00} Balance Updated XX/XX/XXXX Recent Payment $ 112 Monthly Payment {$470.00} Original Balance {$24000.00} Highest Balance {$0.00} Terms 84 Months Account name :, Account name : # XXXX, These Companies has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-26
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. (FL)

EXPERIAN, XXXX  AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING THESE FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS AND INQUIRIES : XXXX XXXX XXXX : Account Number -- -- > XXXX -- -- -> Date Opened : XX/XX/XXXX XXXX  XXXX XXXX : Account Number -- -- -> xxxxxxx -- -- > Date Opened : XX/XX/XXXX XXXX XXXX : Account Number -- -> xxxxx -- -- -> Date Opened : XX/XX/XXXX XXXX XXXX : -- -- -> XXXX -- -- -> Date Opened : XXXX Fraudulent Inquries : XXXX XXXX/XXXX  : Inquiry Date : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX : Inquiry XXXX : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX  XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX  XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX  XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Two credit reporting agencies are reporting incorrect information on my credit report. They are reporting a Bankruptcy that is not mine. I sent them what I found on file under my name, but it is not my bankruptcy. The address on the Bankruptcy petition is not my address and I sent them the petition. I asked them to validate the information they have and sent my identification and notarized each letter.
Consumer complaint received 2023-01-20
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. (NM)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them from my file : XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2022-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc. (FL)

To whom it may concern, I am a consumer. I made an uninformed decision when I allegedly entered into this consumer credit transaction. There was no evidence of indebtedness, the only evidence of indebtedness was the agreement but that agreement is null and void. It is null and void because I made a uniformed decision meaning that I did not understand its meaning and it was not clear and conspicuous. Reporting late payments on my credit report every month is defaming my character.

It is preventing me from opening new accounts as well as buying a house.
Consumer complaint received 2021-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX ORIGINAL CREDITOR XXXX FOR {$2100.00} IS A RESULT OF IDENTITY THEFT HAS ALREADY BEEN DISPUTED AND REMOVED THROUGH EXPERIAN IT NOW APPEARS THROUGH THIS NEW COMPANY XXXX XXXX AND IS IDENTITY THEFT.
Consumer complaint received 2021-03-14
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. (AL)

I sent in a follow suit letter to Experian and XXXX about the XXXX XXXX XXXX collection because XXXX removed the collection. I sent in the supporting document showing XXXX XXXX XXXX was removed from Transunion.
Consumer complaint received 2020-03-28
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. (MN)

Forbearance was approved from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX toXX/XX/XXXX. 

Late payments were not removed from the company or any of the credit bureaus.
Consumer complaint received 2021-10-04
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: JPMORGAN CHASE & CO. (NY)

I am a customer of Chase Bank for nearly 17 years. 
The COVID-19 pandemic has devastated the world, and I am sad to say has affected me and my family in unexpected ways. I live in XXXX NY, classified as a red zone, and at that the time I missed a payment, and it was reported to the credit bureau. I called Chase Bank on XX/XX/XXXX, XXXX and XXXX, 2021, to request a removal from my account pursuant to the CARES ACT and Chase has refused. I explained my personal situation- death and quarantine but they do not care about the financial impact this will have on people who have experienced the worst financial, emotional and mental catastrophe in their lifetime, and how this will affect them later on. Of course I will be closing my account after 17years but in the mean time I am trying to get the late a payment removed from my credit report so I can try and recover from this devastation.
Consumer complaint received 2021-10-04
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: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

I have previously filed a formal complaint through CFPB against EQUIFAX and they have failed to address their FEDERAL LAW VIOLATIONS. 

EQUIFAX is violating my consumer rights under 15 U.S. Code Chapter 41-CONSUMER CREDIT PROTECTION, SUBCHAPTER IIICREDIT REPORTING AGENCIES. There are multiple federal violations that the consumer reporting agency is grossly violating. 

I have also submitted an affidavit of truth and a demand of removal from my consumer report. I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. I am holding the consumer reporting agency - EQUIFAX civilly liable for their gross negligence. 

Attached are the Demand of Removal Letter and signed affidavit of truth that includes the FCRA violations and resolution.
Consumer complaint received 2021-10-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (FL)

On Saturday, XX/XX/XXXX, I attempted to transfer XXXX XXXX  token from my XXXX XXXX  to Binance.US wallet. I mistakenly entered the wrong number in the memo field ( the wallet address was correct ) and as a result the funds were never delivered to my Binance.US wallet. After doing a quick XXXX search, I learned that this is a common, fixable problem and that for a fee ( XXXX typical transfer fee ) Binance.US can/will recover the funds. With that information, I submitted a ticket through Binance 's website. Given that Binance has multiple communication channels for service issues, I also shared that submitted ticket via their XXXX XXXX account. The next day, I heard from a Binance customer service rep in email requesting that I send the recovery fee so they could start the recovery process. They also replied on XXXX. Turns out the email was from a scammer and I lost those funds. Resubmitted a ticket with new information and heard back from Binance who confirmed that I had been scammed and that they could not help me recover the lost recovery fee I had sent over to the scammers. That said, they reassured me that they would recover my original lost funds but it was going to take some time. There was a backlog so they couldn't commit to a timeframe for the funds to appear. Weeks later, I have received no funds BUT they did send me a survey asking me if customer service had successfully solved my problem and if so, was I satisfied. Sensing that this might go on unresolved, I searched again to see what others were saying about this process and many offered that Binance.US is known for scamming their customers and typically doesn't resolve the issue until formal complaints were submitted. That's why I am submitting a complaint today. I hope this leads to a resolution. I've got the transaction details, email exchanges and XXXX posts from my interactions with Binance.US. Finally, I understand and accept that I will need to pay the recovery fee but the money lost far exceeds that XXXX fee.
Consumer complaint received 2021-10-04
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: Paypal Holdings, Inc (NM)

XX/XX/2021 my PayPal account was hacked. someone made 99 payments to come out daily of XXXX on both my credit card and debit card. I have been fighting with my credit card company and PayPal to get this resolved and they are not assisting me instead pay pal has locked access to my credit card including accessing my credit card account to make payments on the remaining balance I have on the credit card. I have gone to the post office and received the fraudulent tracking number PayPal is trying to say that was mine and that it went to my home address which is incorrect, the address shows a different address in XXXX XXXX NM. So now this account is in Collections because they are not assisting with this I have spoke with supervisors over and over and 2 supervisors have stated they would remove this off of the account yet nothing has been done!
Consumer complaint received 2021-03-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I submitted disputes back in XXXX to XXXX  and Ive yet to receive a verdict. I also submitted other disputes on information that was incorrect and they refuse to remove it like I asked ( Experian and XXXX ) despite me submitting proof that it was incorrect information.
Consumer complaint received 2020-03-28
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: Experian Information Solutions Inc. (GA)

I have asked experian to remove the bankruptcy from my credit report it says on my report that experian received the information from the bankruptcy court but the bankruptcy court dose not report to any credit reporting agency
Consumer complaint received 2021-10-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

Account was opened in XX/XX/XXXX with 12 month deferred payment. In XXXX I had loss of income and was unable to make payments. In XXXX of XXXX the account was charged off. Since that time and until this day, creditor continues to report the account as a " charge off ''. I have spoken with them in the past and they maintain they are correct. I was " penalized '' once when they reported as a charge off and now I am being penalized monthly.
Consumer complaint received 2021-10-04
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: A.R.M. Solutions, Inc. (IL)

XXXX uses door to door sales tactics. On or about XX/XX/2021, a sales person came to my home to sell pest solutions. as part of the conversation, I asked if XXXX was licensed/permitted to solicit in XXXX XXXX XXXX Illinois, where I live. I was told they did hold a permit. I agreed to try the service, which was completed that day. I later contacted the XXXX of XXXX XXXX administrative office to find out not only did XXXX not have a solicitation permit, they did not even bother to apply. The representative stated that any company wishing to perform door to door solicitation must obtain a permit for each agent of the company that will be doing the solicitation. 

I contacted XXXX on XX/XX/2021 telling them to cancel my services in reply to an email they sent with an invoice. I later called their offices, canceling my services since I did not hear back from my XX/XX/XXXX email request to cancel. 

I then received text messages on XX/XX/2021 and XX/XX/2021 requesting that I contact their financial services office. I replied back to both texts that I did not owe any money as they lied to me in order to get me to agree to a service. 

I received emails on XX/XX/2021, XX/XX/2021 and XX/XX/2021 trying to collect a balance on the account. I responded on XX/XX/2021 that I would require verification of their solicitation permit before I would pay anything. No response. On XX/XX/2021, I replied to both the text message and the email that I would not pay them anything and to stop contacting me. 

They also have tried to call me on several occasions but I have not talked to anyone since I canceled the service. 

I then received a debt collection letter dated XX/XX/2021 from A.R.M. Solutions, Inc. attempting to collect a debt for XXXX. 

I just sent back a letter to XXXX explaining the illegal business practices and their repeated attempts to collect a debt not owed even after I told them to cease.
Consumer complaint received 2021-10-04
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. (AZ)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (KS)

I have contacted the credit bureau to update my personal information as it is reporting incorrectly. The only address that I have lived at that should be reporting is I have sent out dispute letters and have not received any response which is a violation of the law. Please update my address to the above information.
Consumer complaint received 2021-10-04
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: EQUIFAX, INC. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal Credit Union unethically placed a total of 6 accounts into credits only status due to a garnishment on behalf of XXXX, XXXX, XXXX XXXX XXXX, XXXX But I have not been to court for the garnishment because its not until XXXX of 2021. 

NFCU not only did they illegally place my accounts into credits only status but 2 of the accounts receives protected funds and I am unable to do any transactions through my debit card because NFCU turned off my debit card without my knowledge. Not only do I have bills connected to this card but I have kids to feed. They turned the card back on for 2 minutes after it was turned completely off for me to pay for a meal for myself and my kids but afterwards turned it back off over the weekend. This has been a major inconvenience for myself and my family. They've refuse to take at least 2 of the accounts out of credits only status although the accounts are receiving protected funds. I have been a loyal member with NFCU for over 11 years and I recently just found out NFCU have been commingling my funds which is part of the reason my accounts are in credits only status. I would like for my accounts to be placed back in normal status and my debit card to be turned back on. The bank states that there has been numerous fraudulent activity as well as too many lost cards on the account and does not align with their practices, but every fraudulent activity I encountered I properly reported to my bank institution and anyway they absolutely have no jurisdiction over how many fraudulent activities are processed on account because the money is insured by the federal government and Navy Federal do not get to determine if I " deserve '' a debit card or not. This was extreme and unethical on behalf of Navy Federal Credit Union.