davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (NM)

I phoned Southwest Rapid Rewards credit card ( Chase credit card ) on XXXX XXXX XXXX XXXX XXXX XXXX to ask to close my credit card account. In both phone calls, the assistant indicated the card would be closed immediately. I continue to receive monthly statements indicating that I continue to have an available credit line of {$19000.00}. Worse yet, the statements include the full credit card number which facilitates identity theft and fraud.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (NY)

They report that I was a fault in a car accident in which I was rear end by a truck and do to false reporting it cause me to be denied car or to receive a high car ins rate, there is is phone number social security number address and multiple same accounts on my report that are not mine I need this to be addressed
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/22 I went into my credit union Navy Federal & was told deposit will be available on XX/XX/22 funds sat in my account until XX/XX/22 Ive contacted Navy Federal this is bank negligence, bank competence, discrimination against me because Im XXXX money held in my account been high amounts since Ive joined XX/XX/22 with them. Thus is a legit valid US Treasury Check. Bank gave me a number to call on a letter by mail dated XX/XX/22 & on XXXX of my complaints y'all closed out without verifying this matter. Its caused me to be unable to pay my bills & receive my funds from my Business Taxes for the 2021 year. Ive submitted proof of providing documents on the check. US Treasury can verify check cleared and states paid in their system on XX/XX/22. Navy Federal gave this number on a complaint I filed with yall on XX/XX/22 XXXX, it is not a valid number. Thus needs high level investigation I need my funds out my personal account ending in XXXX, & business account bank has yet to reviewed my money which I deposit way from XX/XX/22. Totaling XXXX in account ending in XXXX. US Treasury trued to contact bank at all numbers given none work to give me a number not working shows yall their the ones lying and trying to steal. I have meeting with a news reporter and will let them see these facts. US Treasury XXXX XXXX  ( XXXX ) XXXX behind IRS Business Refund with guaranteed funds of XXXX valid checks. I busted IRS XXXX XXXXXXXX on XX/XX/22 I will upload documents on XX/XX/22 XXXX XXXX restricted me access from my funds out my personal account. I need my money immediately this matter has dragged on far too long. Next level is a lawyer as Ive written White House congressman is sending in a complaint with supporting docs XXXX XXXXXXXX on my behalf as they too know its my check and its from the IRS XXXX XXXX business taxes at ( XXXX ) XXXX or ( XXXX ) XXXX. I have XXXX children this matter no bank has any right to without customer funds ever especially not a month today is XX/XX/22 thus occurred on XX/XX/22. Thus bank is not following their NCUA regulations
Consumer complaint received 2022-11-07
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. (PA)

My name 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 and 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 2020-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I bank with Bank of America ( BOA ) and have done so for 27 years. I am a police officer, and therefore use XXXX XXXX XXXX 's 'FirstNet ' cell phone service. I have been with XXXX XXXX XXXX for apporx. 2 years, and my monthly phone bill is autopayed at approx. {$50.00} per month On XX/XX/2020, {$4800.00} was charged to my Bank of America Debit card from XXXX XXXX XXXX. 

The transaction posted on XX/XX/2020, but I did not discover it until XX/XX/2020. I immediately called BOA and they instructed me to call XXXX XXXX XXXX. 

XXXX XXXX XXXX informed me that they had no record of that transaction being credited to my account. I called BOA back and initiated a fraud claim. 

On XX/XX/2020 I received a message from BOA relating that, in essence, the activity was 'not consistent with fraud ' because : -the perpetrator did not attempt to drain my account completely -the activity was with one of my trusted vendors that I have history with I have been informed that my claim has therefore been closed, and that it was determined that I am responsible for the charges. Clearly, BOA did not properly investigate my claim. They are not able to articulate  where the {$4800.00} went or who spent it. It appears that BOA used a checklist on their end to short circuit any actual investigative work. 

I did not authorize this charge in any form or fashion. I am pleading for someone to take a closer and more serious look at this fraudulent activity. As a life-long Bank of America customer, it is heartbreaking to me that my claim has been 'cast aside ' without any real investigation.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The credit bureaus have been using my credit report improperly 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 my account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-11-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

Attempted to purchase a stroller on XXXX  and seller said payment could not be processed through the app. Requested Zelle payment. Zelle payment attempted however XXXX XXXX XXXX blocked the zelle payment and then locked all my chase accounts. 
I called XXXX XXXX XXXX to find out why my account had been locked. They stated that the seller 's zelle had been marked for fraudulent activity. They asked if I would like the zelle payment to go through. I told them NO and to cancel the zelle payment. The agent stated the zelle payment was cancelled and would re-activate my account! 
Once my account was reactivated, I looked at my account summary. In my account summary the unauthorized charge had gone through The charge amount {$400.00} Date : XX/XX/2022
Consumer complaint received 2023-02-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

Hi, This is XXXX XXXX XXXX reaching out here because i dont want my bank account to be closed and the bank did not do anything or consider about my case. i feel like i have no right to protect myself and the bank still want to close my bank account even is not my fault thats because of the check deposit bounced and returned to sender and the bank makes me pay for the money thats not even mine and makes my have negative on my bank account. i feel so unfair with this situation and the bank give me no choice.
Consumer complaint received 2022-11-07
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. (AL)

Improper use of credit reporting; Credit ran without consent.

Creditors Name:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

Hello, I am struggling to keep up with my car loan, The amount I pay is XXXX The problem is that since XX/XX/2020 The president declared waived no payments for 3 months, I am not getting the same amount of my monthly income that I used to have. 
Since the pandemic hit the U.S I have then called Nissan Financial That we came to an agreement of paying {$260.00} As of now, since then In XXXX they have called me multiple times Saying that I have only done half payments and want full payments They don't understand there's hundreds of people now with evictions and Nissan has kept calling me about full payments twice in XXXX and XXXX. I can only afford to do the payments of XXXX.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (MS)

This company keeps intentionally reporting inaccurate information on my credit report. They keep changing the amounts and dates of the account. They have also manipulated the payment history. The company refuses to validate the debt which is violation of the FDCPA AND THE FCRA due to inaccurate information. They will not comply with the federal laws of the UNITED STATES
Consumer complaint received 2020-06-19
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. (CA)

I submitted a complaint about Experian on XX/XX/XXXX. Telling them that this stuff on my credit report is not mine. It's student loans on there and I never ever been to college. I told the man that sounded like he was having a hard time understanding what I was trying to explain to him to me seemed like he was reading from a piece of paper. I do not have any student loans Experian is giving me arid time about getting this stuff off. I was told to mail a dispute and I did never heard anything back. please get this taken care of. These student loans and the stuff showing from XXXX, XXXX XXXX, XXXX, XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX Bank XX/XX/XXXX I did not apply for a XXXX XXXX or XXXX card Please look at the forms I sent you on XX/XX/XXXX. 

They respond with this. Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. 

How could they determine or think that I was not submitting a complaint against them for reporting things I said are not mine I had no knowledge & is freaking fraud?????? I keep going back & forth & back & forth. I am asking again please delete this stuff from my credit report.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

My court Records. I understand that " benefit '' came with the program I'm paying for BUT publishing my 18 YEAR OLD PAST XXXX XXXX IS NOT A " BENEFIT '' IT'S A HINDRANCE TO MY FUTURE. 
I paid an Attorney to Expunge my record from the public. These should not be for your viewing. 
This is not a benefit as I now own a XXXX XXXX XXXX which XXXX our XXXX youth. I work with XXXX XXXXXXXX to provide services to these young ladies. This is not a benefit. 
Just like my creditors on this report I need a process which will allow me to remove these negative accounts of my past from my future financial report. 
I should not have to cancel the membership and lose out on the " BENEFITS '' of the program just to have the negative past criminal background present on this report. 
I need to them to be removed immediately in order to secure my future Thank you
Consumer complaint received 2023-02-21
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. (FL)

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 : XXXXXXXX XXXX XXXX Account number : # # # # # 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 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 2020-09-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Management Corporation (SC)

Y'all have stolen from me. All my medical debt was covered by insurance, uet these charges are obviously more than simple insurance adjustments. You are purposely ruining my credit, not to XXXX the call to XXXX  where they stated they couldn't find remarks I was looking at on my report. You are thieves!
Consumer complaint received 2020-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (OH)

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX XXXX # XXXX.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-09-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (NY)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

I was a victim of fraud on My American Express Card ending in XXXX. American Express confirmed that I would not be responsible for the fraudulent activity in writing. American Express proceeded to place a collection on my credit report for the outstanding fraudulent charges. I can provide verification in writing from American Express that I would not be responsible for the fraudulent charges.
Consumer complaint received 2020-06-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I had tried to order smeakers off of a XXXX page who i was later informed is a scammer pretending to be someone else. i tried to contact XXXX XXXX but they directed me to my bank, ( chase ) and they will not give me my money back. the original owner of the page that is suing him for defamation
Consumer complaint received 2020-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I was reviewing my credit report and notice there were some items that do not belong to me. Here are the following accounts : PORTFOLIO RECOVERY # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX.
Consumer complaint received 2022-11-07
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. (ND)

My leased XXXX XXXX XXXX was totaled on XX/XX/XXXX. XXXX was notified and paid in full on XX/XX/XXXX. XXXX applied the lease payoff in XX/XX/XXXX ( they took a month to record the payoff ). XXXX kept reporting the loan was not paid through XX/XX/XXXX showing arrears. I called XXXX twice in 2 months to correct it. Finally they corrected it with XXXX, but XXXX still proceeded to drop my excellent credit from approximately XXXX to XXXX. THEY NEVER CORRECTED MY CREDIT SCORE. Now the other XXXX agencies are following suit ( Experian and XXXX ). I have worked HARD for my score to be in the XXXX. THIS HAS TO BE CORRECTED.
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (NJ)

There is an item on my credit reported dated on XX/XX/2020 from Wells Fargo Home Mortgage stating that there was a dispute regarding my mortgage payments that went into a forbearance due to COVID-19 consequences.

I have never filed a dispute with Wells Fargo, yet they listed that I had a dispute with them and it now shows on my credit report.

I did however, had a disagreement over the phone with the representative I spoke with. I told the representative how misleading was the Wells Fargo advertisement for homeowners seeking assistance through COVID-19. It was a conversation I had over the phone with the representative of Wells Fargo. I never filed a dispute. In fact, I initiated mortgage payments after the forbearance period was over. And by law, my credit should not be negatively impacted. 

I had no idea that having a conversation over the phone with a Wells Fargo representative would lead to them negatively impacting my credit score. Absurd!