davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
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. (NY)

Closed accounts are still on report even though other credit bureaus claimed it was removed, such as XXXX XXXXXXXX, XXXX, XXXX XXXX, and car loans. Also investigations coming back with different responses.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (CA)

In accordance to the fair Credit reporting act This creditor has violated my rights under 15 usc 1681 Section 602 states I have the right to privacy Section 604 A section 2 It also states Set consumer report agency can not Furnish Account without my 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
Consumer complaint received 2023-05-26
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. (CA)

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX  XXXX 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 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Closed accounts are still on report even though other credit bureaus claimed it was removed, such as lending XXXX, XXXX, XXXX XXXX, and car loans. Also investigations coming back with different responses.
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been calling Bank of America every week for well over XXXX months. Each time I call them they tell me XXXX froze my account and they had nothing to do with it. I called unemployment and they told me they only disperse funds and do not freeze or authorize freezes on accounts. XXXX told me they dispersed the funds to my Bank of America account and I have to contact BoA to have them returned. I continue to email XXXX and call them each week but run insist that there is no reason BoA should have frozen my account. Bank of America stole all my money without probable cause, explanation, or notification. I have had no money for months and have resorted to borrowing from my XXXX just to pay my bills. I have gone into the bank in person and no one claims to be able to help me resolve my issue. I need my money returned to me.
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I have a fraud transaction in my bank account, I bank with well Fargo.This transactions was occur in XX/XX/XXXX and XXXX 2022 and the total amount is {$13000.00} which I called the bank immediately I found out, they blocked the debit card immediately and issued me another debit card and they told me it will take 10 business days for them to review the claim on the account. Surprisingly, I didnt get a call from them and I decided to call the claim assistant myself .which I was told my claim is been denied and I ask the claim assistant why, he told me he will mail me the letter of reason of denied, and I said ok I will be waiting. 
Surprisingly, I got the letter in my mail but I didnt see or understand why the claim was denied. Am frustrated, I dont know what to do, I didnt use my debit card for such amount of money. Please help me out
Consumer complaint received 2022-12-30
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. (VA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-12-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi (VA)

It was in XX/XX/XXXX I took a personal loan with the following XXXX XXXX XXXX XXXX XXXX Plan Loan & Saving = {$4000.00} Amount granted to my account = {$1500.00} Total Payments I made = {$2200.00} [ Earlier than expected - in 10 months I paid this amount ] Then They sent me a statement applying the total payment as follows : 1 - Loan of {$1500.00} settled with interest, which means total payments applied {$1900.00} fully covered the loan amount they credited to my account [ {$1500.00} ] and interest [ {$450.00} ] 2 - Amount Applied to Savings [ {$2300.00} out of {$2500.00} ] Then At the beginning of XX/XX/XXXX, an unknown company [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent me an email for which my Seedfi account had been transferred to them with out my prior knowledge. Something Phishing! started over. 
Then I tried to check my account and statement at Seedfi account login - their system shown no Seedfi info available. They deleted the whole information and vanished. 
Then I responded to the emails of XXXX  and expressed my disappointment and the balance they requested me. They said still I owe them the above savings grow plan. I informed them clearly with all my payments and the initial amount of loan credited to me as follows : Finally, I requested cancellation of my savings plan and refund of my hard earned savings balance i.e. {$280.00}. 

NO RESPONSE REACHED ME TO THIS DATE. 
Then An email from SeedFi resurfaced and requested further payment {$200.00}. For what???? 
Then SeedFi grabbed all my savings {$280.00} and asked me further charges of {$37.00} in effect they took {$320.00}. 
Now I suspected totally a phishing and scam activity committed by these companies : - SeedFi 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 2022-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (NC)

A debt agency is falsely reporting to the credit bureaus that I owe about {$7200.00}. I have sent three Letters, certified mail with return receipts, to the Professional Debt Mediation company requesting them to validate and send proof ; They have not sent anything. The first letter was sent and received by the company on XX/XX/2022. The second Letter was sent and received by the company on XX/XX/2022. And the final request was sent and received by the company on XX/XX/2022. In my final letter I requested the company to remove this fraudulent report. They have been given an excess amount of days to argue their case ; I need this removed from my credit immediately ; This is a clear violation of the FCPDA and my rights.
Consumer complaint received 2023-05-26
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. (GA)

This is my 8th 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 alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance : {$2000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$790.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-04-20
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. (FL)

There are several accounts that were accessed with my information without my consent or knowledge. These accounts are a result of identity theft and I want to get this issue handled in an expedited manner. There is someone still using that XXXX account and paying it as it was me and another one they are not. this is destroying my credit. Also there are other accounts that I do not recognize ever having or applying or doing business with. Please help me get this resolved.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My signature was forged on the fraudulent retail installment agreement. Communication was sent to the dealership to rebut about this fraudulent activity via USPS certified mail with proof of delivery confirmation. No response to resolve the situation was done by XXXX XXXX XXXX. A complaint XXXX was filed with the NY Attorney Generals Office and I received correspondence requesting documents to contact them on my behalf to remedy this serious situation. The dealership did not respond to the NY Attorney Generals office and I was advised to proceed with litigation. XXXX XXXX XXXX XXXX is aware, was not present at the alleged contract signing and been informed multiple times about this fraudulent account. However, knowingly and willingly are still trying to coerce me to pay an alleged debt I do not owe. XXXX XXXX XXXX XXXX has failed to prove proof or validation. Note : A copy or a consumer credit contract, agreement, or statement is not sufficient to validate debtor liability -it must also include an affidavit executed by someone with first-hand knowledge about how the debt was incurred. Account must be deleted immediately.
Consumer complaint received 2022-12-30
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)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX, around XXXX I wanted to make a deposit of the amount of {$300.00} cash on a Bank of America ATM drive thru. When it took my cash it had returned a {$5.00} that flew off from the air and had to back up and get it. Then the machine had an error and did not give me the rest of my cash or did it went through because I did not received a receipt or a that the transaction was made. I reached bank of america and they said I needto wait but I waited too long and I want my money back. Can you please help me get my money back. Thank you in advance.
Consumer complaint received 2023-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX will not remove collection from my credit report even though this is not my account. I have no knowledge of this account and do not have a contract with this company for any debt. I continue to dispute this charge to no avail and have yet to see any documentation I have signed or agreed to. I have exhausted all options to correct this issue.
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

XXXX XX/XX/2022 logged into online 5th3rd account noted obviously altered check # XXXX ( payee line scrawled over XXXX XXXX XXXXXXXX to XXXX XXXX XXXX ) with improper endorsement had been cashed at XXXX XXXX XXXXXXXX and paid by 5th3rd in the amount of {$4200.00}. Immediately called both banks customer service lines several times that evening, and filed police report. XXXX. XX/XX/2022 filed 1st of 3 fraud packets at 5th3rd branch subsequently have been mailed 3 more : 2 by 5th3rd ( I filled out 1 more ) ; 1 by XXXX, which were filled out and notarized. Also opened investigation with USPS. Originals and copies were promptly submitted via fax, hand delivered to respective branches, mailed via USPS registered delivery and XXXX. As an aside, on XX/XX/2022, 5th3rd paid check XXXX again for {$4200.00}. This time a check had been " created '' and my signature had been forged. Calls to 5th3rd resulted in restoration of these funds 24 hours later. XX/XX/2022 opened new 5th3rd checking account overworked employee ordered checks with old account number, had to be reordered not delivered until today. To date, have been shuffled between 5th3rd Collections and Disputes and contacted both banks at least 50 times, but my {$4200.00} has not been restored.
Consumer complaint received 2023-06-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (OH)

I made a XXXX $ transaction with chase today. I realized the payment I made was to a fradulent person as I lost contact with them right after the transaction was made. I quickly logged into my chase to see if I can stop the transaction and I was happy to see the transaction as pending and not in completed state. So I contacted the bank as asked if they could stop processing the payment. The Chase bank denied and said I'd have to contact XXXX since it was a XXXX payment done through Chase. I tried to contact XXXX and they said if XXXX was used through bank then I should be reaching out to Bank only. 
I am stuck here not knowing whom to contact and how to get the XXXX $ to stop.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

5TH 3RD BANK REFUSE TO INVESTIGATE UNAUTHORIZED USE OF A SLOLEN OR LOST DEBIT CARD I CAUGHT THE XXXX XXXX AND IT COST ME TO HAVE XXXX XXXX XXXX SO I WROTE MY PIN # ON PAPER AND TAPED IT TO THE BACK OF THE DEBIT CARD, 5TH 3RD WAS TOLD THIS ALSO. A 5TH 3RD BANK EMPLOYEE TOLD ME TO GO MAKE A XXXX XXXX  OF THE UNAUTHORIZED USE OD A DEBIT CARD, SO THATS WHAT I DID AFTER FILLING A ID THEFT REPORT WITH THE XXXX XXXX AND WITH THE XXXX 5TH 3RD STILL REFUSE TO INVESTIGATE THIS MATTER PROPERLY I CALLED FOR MONTHS AND ALL I KEPT GETTING WAS 5TH 3RD EMPLOYEE FROM OFFSHORE THEY HAD NO IDEA OF WHAT WAS GOING ON WITH MY ACCOUNT THEY HAD NO IDEA OF WHAT I WAS TRYING TO EXPLAIN TO THEM AND I HAD NO IDEA OF WHAT THEY WAS TRYING TO EXPLAIN TO ME DUE A LANGUAGE BARRIER BROKEN XXXX I WAS TRANSFERRED TO OTHER OFFSHORE 5TH 3RD BANK EMPLOYEE WHO REFUSED TO TRANSFER ME TO A XXXX XXXX AT 5TH 3RD I WAS TOLD THEY CAN SUDMIT A REQUEST BUT NO ONE EVER CALLED ME BEING A VICTIM OF XXXX IS SOMETHING I COULDN'T HELP IT COST ME XXXX XXXX LOST SO I HAD TO WRITE THE PIN # ON THE BACK OF THE CARD WHAT I CANT UNDERSTAND IS WHY 5TH 3RD BANK NEVER CONTACTED ME OF MONEY BEING SPEND ONLINE OR IN DIFFERENT CITYS AND STATES WITH ALL THE CREDIT CARD AND DEBIT FRUDS THEY DIDN'T EVEN PALCE A BLOCK OR A FREEZE ON THE DEBIT CARD THEY JUST ALLOWED THIS TO GO ON. AFTER I WAS TOLD TO GO FILE A THEFT REPORT WITH MY XXXX XXXX STATION AND I SENT THE POLICE REPORT NOTHING EVER HAPPENED ALL I KEPT GETTING WAS UNEXPERIENCED 5TH 3RD EMPLOYESS WHO HAD NO CLUE WITH LACK OF TRAINING THIS IS A MATTER THATBNEEDS EXPLAINED BETTER OF HOW THIS WAS INVESTIGATED AND HOW I WASNT CONTACTED THIS WILL BE THE XXXX REPORT FILED AND THE REPLY TO THE OTHER COMPLAINT WAS THEY ARE STILL WORKING ON IT
Consumer complaint received 2023-06-28
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

Kohls Department Store has a charged off account reporting on my consumer report. This is illegal and should not be on there at all. I did not receive a 1099-C form from them for this debt, as I should be able to claim this on my taxes as income. Income is not to be reported on a consumer report. So why are they reporting this inaccurate information? Why are they still letting third party entities invade my privacy and have access to my personal information without my consent? 

I spoke to a supervisor over the phone and they did not want to hear anything about my problem or their failure to solve it. They are purposely providing inaccurate information to third parties and as such should be exposed for their failure to uphold consumer rights as stipulated within the Fair Credit Reporting Act.
Consumer complaint received 2023-03-05
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: LEXISNEXIS (GA)

Sent out multiple disputes with all the proper documentation XXXX XXXX XXXX and they still won't do and proper investigation. But still remain the fraudulent account and inquiries on my credit report. Now I'm demanding proof of their full investigation with all the supporting documents showing that all information is correct or else removed from my credit report immediately.
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc. (IL)

I had a previous complaint open and wisely stated they didnt receive my signed declaration of fraud but I am attaching the email I sent to them on XX/XX/13 with the signed statement attached. This is not and should not be a reason to delay returning all funds to me that I didnt authorize. They absolutely received my statement and it was emailed to the email that the form said to use!
Consumer complaint received 2023-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I Cancel the Auto Payment before XX/XX/2023. Select Portfolio Servicing made unauthorized withdrawal on my personal checking account of amount {$5200.00} and i call my bank to stop payment which result me a {$30.00} stop payment fee on XX/XX/2023. 
same day XX/XX/2023 Sps called me XXXX asking when will i pay my mortgage.I said i already made a partial Payment of {$2000.00} because im taking Advance of Notice XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX that i can make a partial payment But SPS DOESN'T acknowledge the notice. I send the Notice of XXXX XXXX along with my {$2000.00} Check payment and SPS accept the payment but Didn't apply it to my Monthly payment instead SPS send me a notice.
Consumer complaint received 2023-06-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC. (AZ)

On XX/XX/XXXX my repairs contractor signed a " lien waiver and release '' form, supplied by my Sun West Mortgage, as a condition for them to release my insurance funds, allocated for my pool repair, which falls under the " other structures '' coverage of my insurance policy. The Lien Waiver and Release form states, " The total of all charges for, and in connection with, all such services, labor and/or materials performed or furnished by Contractor will be paid in full to Contractor upon receipt of completed lien waiver ... '' My mortgage company did not abide by their own contract to release funds, in full, per the contract. I did not complain about it then, but feel I must bring this, likely, UDAAP violation to the CFPB 's attention because on XX/XX/XXXX, I requested the release of additional funds to my repairs contractor and was told an inspection was required prior to the release of funds. An inspector came out on XX/XX/XXXX and performed the inspection. I followed up and was told the inspection had not yet come in. Eventually, when I followed up on XX/XX/XXXX, I was told that the inspector, sent by Sun West, did not do a sufficient enough job with the photos for funds to be released and Sun West requested that I, personally, provide additional photos as the aforementioned inspector didn't provide proper documentation for my funds to be released to my contractor. I supplied the requested photo on XX/XX/XXXX. When I followed up on XX/XX/XXXX, I was told that a supervisor had to review the request to release funds to the contractor and it would take an additional 3-5 business days for the review to take place. When I mentioned that my contractor signed a lien waiver and release form stating the contractor would be paid in full upon the receipt of the lien waiver and it didn't happen, I was told it didn't matter what the Lien Waiver and Release form stated and that Sun West Mortgage had a right to verbally impose additional requirements before releasing any funds. I ask that the CFPB investigate this as it seems to violate the CFPB 's Unfair, Deceptive, or Abusive Acts or Practices policy due to Sun West Mortgage not abiding by their own Lien Waiver and Release contract.