davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Date : XX/XX/2019. 
Complainant ( Bank Customer - XXXX XXXX XXXX - XXXX XXXX / XXXX ) is having a Serious Issue of Harassment, violations of Several Banking Policies, and Regulations, and Inability to Close his almost 2yr old Bank Account, based on XXXX Harassment, Violations of the Civil Rights Act of 1964, and Change of Banking Policies with-out Proper Notice to Customer, also Acts of Retailiation, by Banking Officers, and Employees, and Intent to Defraud the Customer of his U.S. Social Security Administration Benefits, of Direct Deposits of Months of XXXX, XXXX, XXXX, and XX/XX/2019, after two very small withdrawals in the Month of XX/XX/2019. 

Complainant has filed against the Mayor XXXX XXXX, and with a Governor XXXX XXXXXXXX XXXX Committee, and is unable to access, the Customer Response from the CFPB website or email. CFPB # XXXX Please respond via Email :  XXXX.
Consumer complaint received 2022-05-27
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: NAVY FEDERAL CREDIT UNION (MD)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2019-08-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC. (CA)

I am in a loan modification with New American Funding. I received a call from XXXX XXXX - XXXX, claiming to be with New American Customer Care, Loan Modification department, on or about XX/XX/2019. He instructed me that my account was transferred to his department for a modification, and I must make my payments to his office. I paid him on XX/XX/2019, and XX/XX/2019, each time in the amount of {$2300.00}, using XXXX XXXX XXXX cards purchased through XXXX Since then I have spoken directly with New American Funding who said they never heard of him, and my account has not been credited. When he called me this morning, he told me to cancel the payment I made today directly to New American, and send the money to him, or else the Loan Modification will be cancelled. Then I had a call from XXXX XXXX at XXXX, who said he was also with New American Funding Customer Care, and I had better contact XXXX XXXX and straighten the payment situation, or the modification will be cancelled, and I will have to make up the several back payments which I can not make.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account ( s ) XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. Equifax, XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX ( XXXX ), XXXX and/or any other private/public sector credit agency/bureau written consent or instruction to furnish said reporting.

15 USC 1666 B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-11-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

Coinbase wallet problem I'm Facing this issue from XX/XX/2019 they locked my Coinbase wallet account for no reason I'm Coinbase user from 4+ years till now I didn't get any problem with them but on XX/XX/XXXX they temporary block my Coinbase Account & telling me contact Coinbase support there support is not replying at all I have send several emails just got automatic reply no reply by there employee & company here is company website https : //www.coinbase.com I have my funds in Account but they BLOCK my account on XX/XX/2019 for no reason also support not replying me I have tag them on XXXX  XXXX  By email no response calling number not responding I tried to call all of them are busy not answering call just computer running please I want to get my account unblock asap as they block my account for no reason I have around {$2600.00} in Coinbase & that amount stuck now my account is disabled This is the error I getting Everytime wen I try to login into my account Coinbase sorry Account temporary disabled please contact support Case number - # XXXX that I got from there email complaint which I raise with Coinbase I don't get reply for that for an unknown reason my account was just disabled. 
I also read there support questions on there website what Todo if u showing error that ur Account was temporary disabled please contact support in answer I get Just change ur password of ur Coinbase Account & contact us by email i have done that both I changed. My password & contact Coinbase support via email XXXX  XXXX  by call no response I get from them My registered email ID with Coinbase Account - XXXX XXXX
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

They got the wrong spelling of my name and wrong address and also wrong phone number the correct information that should apppear on my credit report is my name is  XXXX   XXXX   XXXX  and my address is  XXXX    XXXX    XXXX   XXXX   XXXX  maryland  XXXX and my phone number is  XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

My name is XXXX XXXX XXXX is XXXX address is XXXX XXXX XXXX, XXXX XXXX AL XXXX XXXX I am a victim of identity theft due to the Equifax Data Breach. The following are fraudulent hard inquiries and are not factual and should not remain on my credit report. Stop sending me letters saying you can't do anything about it because it's factual when it is not. My data was leaked because of Equifax.. and you are the worst company to deal with. The least you can do is remove fraudulent inquiries from my report. 

XXXX XXXX, XXXX XXXX - XX/XX/2024 XXXX XXXX XX/XX/20XXXX XXXX XXXX XX/XX/2024
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

1099c I do not recognize how this account is reporting on my credit report. I do not recognize the account number, I do not recognize the account status, I do not recognize the account high balance, I do not recognize the late payments associated with this account. 
Please delete ASAP
Consumer complaint received 2022-05-27
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)

Hello, Please, I am kindly asking you to investigate the accounts that recently appeared in my credit report. I have never had anything with these companies but now I have bunch of unknown items that destroyed my credit report score. Please investigate them all and remove as soon as possible. Thank you in advance. Please see the report and my docs attached below.
Consumer complaint received 2022-05-27
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. (FL)

Hello, Please, I am kindly asking you to investigate the accounts that recently appeared in my credit report. I have never had anything with these companies but now I have bunch of unknown items that destroyed my credit report score. Please investigate them all and remove as soon as possible. Thank you in advance. Please see the report and my docs attached below.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX # XXXX is reporting a late in XXXX that I shouldn't have. I was not late and didn't even know I had a balance nor did I get a bill. The moment I found out about it I paid it.
Consumer complaint received 2022-05-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

Hi, Citi Bank contacted me and let me know they will be closing my account around XX/XX/XXXX without telling me the reason why. I had roughly {$78000.00} in my account. They told me the account should be closed between 30 to 60 days and they will send the remaining balance as a check to the address I have on file. I called back on XX/XX/XXXX to check the progress of the account. They told me it's still in the process of being closed but they will email the back office to get so I should call them back in 24 to 48 hours. I called back on the XXXX. They essentially just told me the same thing they will email the back office and tell me to check back in 24 to 48 hours. I called back again on the XXXX and again, and the same response. I've checked online and it seems like a lot of people are having the same problem with Citi Bank on this issue. I have no idea what to do at this point.
Consumer complaint received 2022-05-27
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX 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 an account without my written instructions
Consumer complaint received 2022-05-27
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: Experian Information Solutions Inc. (TX)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items reported that are not 100 % correct. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX in the amount of {$3900.00} on XX/XX/2021, 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. 
I take my privacy extremely seriously, and that right has been violated, causing me great distress.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2017-09-26
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I 've disputed inquiries in the past and even recently and they are still reporting! I have become a victim of your credit inquiry issue were put on my credit report I have no knowledge of. I have no reason to apply for anything, my information has been compromised several times from bank cards, ssn, etc. and now people are apparently applying for credit with that said information. I have an XXXX XXXX account given to by the government for the misuse of my compromised information I can provide along with the XXXX breach and fraud on my debit cards for the last 2 years. 

Cap 1 - Inquiry from XX/XX/XXXX Cap 1 - Inquiry from XX/XX/XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX, XXXX - Inquiry from XX/XX/XXXX XXXX - Inquiry from XX/XX/XXXX XXXX - Inquiry from XX/XX/XXXXXXXX XXXX - XX/XX/XXXX ^ notice no debt has or will be established with any of these creditors
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OR)

XXXX XXXX DOB : XX/XX/XXXX LAST 4 of SSN : XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX ATTN : Consumer Affairs RE : Personal Information Amendment To Whom This May Concern, With respect to Chapter 41 : 15 U.S. Code 1681, I, being a consumer, am entitled to an accurate and complete consumer report. According to my consumer report generated on XX/XX/XXXX, there is some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an Initial attempt to have my personal information amended to what is correct and truth standing. Within 30 days from receipt of this letter, insured and tracked by USPS, the following information needs to be omitted. 
Please note upon completion of the request, a new updated copy of my consumer report should be mailed to the mailing address that you have on file... promptly. 

Omit the following names as my TRUE name can be verified on my supporting Identification : 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 Omit the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX Omit the following inaccurate phone numbers : ( XXXX ) XXXX Attached to this initial request I have attached my identification. I suspect that you would have no issues removing the aforementioned information in a timely fashion. 
Without Prejudice, All Natural Inalienable Rights Reserved Sincerely, XXXX, XXXX
Consumer complaint received 2022-05-27
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)

Hello, Please, I am kindly asking you to investigate the accounts that recently appeared in my credit report. I have never had anything with these companies but now I have bunch of unknown items that destroyed my credit report score. Please investigate them all and remove as soon as possible. Thank you in advance. Please see the report and my docs attached below.
Consumer complaint received 2017-07-12
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. (NY)

I was a victim of Identity theft, I submit the police report my ID, proof of address, government id, basically everything they require and they still have not remove inaccurate items from my credit, even with the XXXX cancellation of debt due to ID Theft. I do n't know how companies investigate, I do n't think they read the information they request or they do n't properly investigate. Please see previous complaint ID # XXXX, XXXX, XXXX. I have been emailing proof that. <P/>XXXX XXXX # XXXX this account is not mine, and XXXX verifies with Experian with XXXX, at XXXX on a verbal verification that this account is not being reported, that it should be deleted. Even when they did the verification over the phone and the account is still reporting on my credit. It 's a shame they do n't follow laws and they do whatever they want with people credit. Please see letter from XXXX attached. <P/>XXXX account XXXX That account is not mine, is Fraud. XXXX Account # XXXX That account is not mine is Fraud. XXXX 's Account # XXXX That account not mine is Fraud, XXXX 's sent me a XXXX a cancellation of debt. Please see attached. XXXX XXXX XXXX This account is not mine, it was fraud, I received a Cancellation of Debt for this account.
Consumer complaint received 2015-05-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MS)

I tried to see my free credit report and I could not see it because you asked me questions about my wifes credit reports and theres no way I can answer her questions because we have not been married long and it stuff from her XXXX marriage and she wont give me the answers, Why are you asking me questions about her on my report and not asking me questions about me?
Consumer complaint received 2022-05-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (VA)

My car window was smashed at a baseball field near my house on Saturday, XX/XX/XXXX about XXXX PM. I called Wells Fargo right away and let them know. They told me they would send me new debit and credit cards. They did not advise me to do anything else. On Thursday, XX/XX/XXXX I checked my checking account and I had - {$3500.00} in my checking account. I called Wells Fargo and they told me a check had been written to me and deposited. However someone had fraudulently tried to cash this big check written to me. Ever since then it has been nothing but headaches and they keep telling me they are investigating. They told me I would have my money back and things would be resolved today XX/XX/XXXX. I called this morning when it was not resolved and they told me that now they are still investigating and it will be resolved on XX/XX/XXXX. I opened a new account and I still have a negative balance of {$3500.00}. Please help me to resolve this as soon as possible. It has been the worst nightmare ever! I was a victim of a robbery and identity theft and I am getting no help whatsoever. Thank you.
Consumer complaint received 2017-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

The Bank of America froze ALL of my bank accounts after receiving a temporary order in a divorce case, that is now final. They are still holding my money as frozen, and their legal department will never talk to me or even send me info on when the money will be returned. it appears they 'charged ' me for the legal hold as well and are trying to steal my money. the divorce is final and i need my money back, there is no reason that they should be holding it.
Also, the order that they were provided by my x-wife 's attorney stated clearly that they were only to put a hold onto XXXX account. They went and took money from ALL my accounts including my son 's college account that was his money he was using the account. This was not ordered by the court, Bank of America just did this on their own.
Consumer complaint received 2022-05-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (LA)

XXXX XXXX received email from PayPal re : purchase of crypto currency and then XXXX banking accounts were compromised when I called the number on the email. Started receiving multiple phone calls and requests for gift cards to reduce debt XXXX dont have a Papal account but was given verification XXXX and the name XXXX XXXX XXXX XXXX PayPal Id # XXXX was the scammer who continued to call and aggressively direct me to purchase gift cards to lower my debt. This went on for 2 days until I blocked the calls and notified my bank. Money had already been taken out of my savings account
Consumer complaint received 2022-05-27
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX  account number XXXX ( C.C.S ) 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 an account without my written instructions.