davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-24
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. (GA)

Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To whom it may concern, This is about the inaccuracy that has been furnished by your organization on my consumer report. I found this inaccuracy on XX/XX/XXXX. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following : *My RIGHT as a consumer to extend credit From my research, according to 15 USC 1681 ( a ) ( 3 ), consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

I am putting your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected and has caused me a great deal of stress in already difficult times! 

There is no such law that states that anything must be reported to a consumer agency. Therefore, your organization is liable! 

Also, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Your organization exercised its responsibilities neither with fairness and impartiality nor protected my right to privacy. 

I also request that you give me a piece of evidence to show that the information which is being reported has been properly investigated. Provide me with details of the system that your organization used to determine whether the transaction took place or not. 

According to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I demand you do the following ; *Remove account XXXX XXXX XXXX XXXX XXXX # XXXX from my consumer report and ALL remarks. 

*Remove account XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my consumer report and ALL remarks. 

*Remove account XXXX XXXXXXXX, XXXX # XXXX from my consumer report and ALL remarks. 

Upon further research 15 USC 1681n states that each violation for willful non compliance is {$1000.00} per violation. 

I hope these accounts are removed swiftly after months and months of my reputation and character being ruined! 


Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-24
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY (NH)

Wellsfargo Bank claimed to have mailed me a cashier 's check for {$230.00} on XX/XX/2017, in which I never received. I filed an affidavit regarding check # XXXX and Wells Fargo Unclaimed Property department replied that they received my inquiry but never got back to me any further about replacing the check.
Consumer complaint received 2022-09-24
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. (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 XXXX XXXX XXXX, Account Name : XXXX XXXX  XXXX, Account Name : 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 USDOEXXXX XXXX, USDOE/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. 16881s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-24
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. (MA)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$200.00} ), XXXX ( Opened Sep. XXXX, XXXX, Balance {$500.00} ), XXXX XXXX XXXX XXXX ( Opened Sep. XXXX, XXXX, Balance {$280.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$1000.00} ), XXXX XXXX XXXX Opened XXXX. XXXX, XXXX, Balance {$990.00} ), XXXX XXXX XXXXXXXX ( Opened XXXX XXXX, XXXX, Balance {$1000.00} ), XXXX XXXX  XXXX Opened XXXX XXXX, XXXX, Credit limit {$1300.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-09-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There was unauthorized transactions made to my account in which I did not authorize the amount was {$2100.00} and a few other charges that was authorize that were unknown to me. I contacted bank of america and they refused to reverse the charges. The unauthorized charge for XXXX was done through Ach. in which was done by my previous landlord. He was not authorized to make this transfer but bank of america granted the authorization anyway. The transaction was in XX/XX/2022 and XX/XX/2022. On XX/XX/2022 is when I intiated a claim and on XX/XX/2022 I filed another claim. The claim number is XXXX. My checking account number is XXXX. These unauthorized transaction also made my checking account overdrawn.
Consumer complaint received 2022-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (OH)

On XX/XX/XXXX at roughly XXXX XXXX XXXX XXXX was talking to a person from Discover. The phone number was ( XXXX ) XXXX. I asked for a XXXX XXXX instead a gentleman said he was not available he would help me. I explained to this gentleman that I received a offer from Discover to settle my account with Discover for 60 % of my total balance. We spoke about it I asked him to speak to manager he put me on hold for long time. He then came back on the line said he could not find manager but he would settle for XXXX XXXX I said I would go ahead and do that he disconnected the line. The line went dead. He hung up on me. None the less when I called the same number back. The guy hang up on me who answered the phone again. They hung up on me twice when they said yes. The first gentleman told me he was writing up deal. He would be back with me. Instead pretended like we disconnected. People get into financial trouble but to be treated like this is unacceptable. Please honor your deal you said the call was being recorded.
Consumer complaint received 2022-09-01
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. (AZ)

Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2022-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent the letter on XX/XX/2022 to XXXX Trans Union and XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. According to the law XXXX XXXX XXXX procedure in case of dispute accuracy if the completeness or accuracy of any item of information contained in a consumers file at a consumers reporting agency is disputed by the consumer and the consumer notifies the agent directly or indirectly through a reseller of such dispute the agency shall free of charge conduct a reasonable investigation to determine whether to dispute information is in accurate in records the current status of the dispute information or delete the item from the file in accordance with paragraph XXXX before the end of the 30 day period beginning on the date which the agency received the notice of the dispute from the consumers or reseller
Consumer complaint received 2023-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank (IL)

I received a collection call from XXXX XXXX XXXX on XX/XX/23. Not being familiar with the debt they were referring to, I asked them to send the information in writing. They did. When I received it, I saw it was an unfamiliar retail credit card. I checked my credit report to ensure it wasn't something I forgot about or could be a tip off to potential identify theft. Nothing was listed on my credit report that could tie back to the debt they are trying to collect. On XX/XX/23 a gentleman named XXXX XXXX  called me to attempt to collect this debt again ( stating again my wages would soon be garnished for the debt ). When I told him it was never mine, verified on my credit report, and seemed to be an attempt at skip tracing, he said my file was no longer in their system and I should stop calling them, and hung up. Assuming it was an overwhelmed employee, I called the number at the top of the form they sent me, which was disconnected. I called the number on the company web site and it rang back to XXXX XXXX. I asked if I needed to submit a written dispute to close the file and he hung up the phone.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2022-09-25
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. (GA)

inacocordance with the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under XXXX usc XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights . 

XXXX u, XXXX XXXX section XXXX A. states i have rights to privacy. 

XXXX u, XXXX XXXX section XXXX A. section XXXX ; it also states a consumer reporting agency can not furnish a account with out my written instuctions. 

XXXX u, s.c XXXX ( a ) ( XXXX ) section states ; no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates to the report by more than seven years XXXX u, XXXX XXXX ( a ) ( XXXX ) 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 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
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: Experian Information Solutions Inc. (OH)

This is my 7th 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, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance : {$210.00} Medical ) XXXX Balance : {$520.00} XXXX  XXXX Balance : {$600.00} XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2023-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/2023 I attempted to deposit {$500.00} in my checking account via ATM which then took my money spit out my card and proceeded to say that it was not accepting cash deposits without giving me a receipt or posting the transaction. I called and made a claim and now they are saying I have to wait 10 days for the funds! I needed that money to pay my bills and now my phone is going to get shut off along with my electricity!!! I demand to have my funds available in my account now!
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX {$11000.00} Child support is being reported on my credit reports that are not correct nor have I been notified of this delinquent debt. I have never been to court to confirm any paternity for any children. This account does not belong to me. I have contacted the company several times and no response
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

During COVID I tried multiple times to get assistance with my checking account due to an ongoing financial domestic abuse issue and me not being able to understand some of the details of transactions. After my bank location closed and the next nearest branch was operating a skeleton staff I was unable to get the assistance I needed. Near the the last 2 months I was turned away with representative stating it was past the time they could do anything about the overages, charges I didnt authorize, and the holding of a deposit from the State of.California. So completely frustrated I drove to XXXX XXXX where I opened my account to hopefully get assistance there but found out my bank representative retired. I spoke with another person and after her not responding with any understanding I said forget it and I left. I found out upon arriving home she with out my authorization closed my account. I am upset because I couldnt reconcile my account.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2023-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (CA)

I listed something on XXXX for sale in XX/XX/2022. 
Item was " sold '' but the buyer never paid. XXXX charged me {$240.00} in fees for that. 
Note here that buyer never paid yet XXXX charged me a fee. 
I never paid that amount and today I got a mail from The CBE Group asking for {$240.00} that I shouldn't be liable to pay in the first place.
Consumer complaint received 2023-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST HORIZON BANK (LA)

This mortgage company is sending me notices that they are about to foreclose on my house. They are telling me that I am behind XXXX payments. This is totally untrue. Please see Exhibits 1-4 I can not not make heads or tales of their mortgage statement In one place there is a deferred balance of {$10000.00} I do not know why that is the case. 
That's almost XXXX months of payment. I paid XXXX months of reduced payments of XXXX for XXXX months. That does not add up to XXXX, XXXX XXXX part says the last payment they received was in XX/XX/2022 ( transaction activity ) Recent account history says I've paid through XX/XX/2022 Then Transaction history on the back is showing payments that is far too confusing I have paid them the full amount except for the 4 months that I was on a trial period and paid {$2100.00} They have me in loss mitigation and I do not know how to get out. I do not owe them the amount they say I owe and their Third party XXXX XXXX is the worse. I can not get them to give me an accounting for XXXX when they took over the mortgage. This has been a nightmare since First Horizon and XXXX took over. This should be a class action lawsuit since I know I can not be the only XXXX.
Consumer complaint received 2019-09-11
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

In XXXX of 2011, after numerous attempts, rejections and after reaching out to them numerous times ( XXXX XXXX ex XXXX ) I finally threatening to take the matter to court and was able to secure a MHA Loan Modification ( acct # XXXX ). At the time, I was in a negative amortization loan with Chase that was going to recalculate, the housing bubble popped and Chase had taken away my line of credit, so I was in fear of losing my home. The person who helped me with this loan ( a real estate broker ) assured me that there would be no deferred interest. It was unclear to me at the time that there would be a balloon payment ( deferred principal balance ) and interest thereon at 2 %. The " New Principal Balance '' and " Deferred Principal Balance '' were absolutely confusing and unfair. 
My business has fallen off greatly ( especially after the Thomas Fire ). I am XXXX years old and unable to work as I have done previously. So once again, I am in fear of losing my home.
Consumer complaint received 2023-01-16
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Bank of America for their refusal to cash a XXXX. XXXX XXXX, which is drawn directly from the Federal Reserve. This refusal has greatly impacted me as a consumer who primarily uses an online bank. 

According to the law, specifically the Electronic Fund Transfer Act ( XXXX ) and Regulation XXXX, financial institutions are required to accept and process electronic funds transfers, including money orders. The XXXX. XXXX XXXX in question is a legally-binding and negotiable instrument, and should have been accepted and processed by Bank of America XXXX XXXX issues. 

Furthermore, the bank 's refusal to cash the money order has caused me significant inconvenience and financial loss. The maximum value of XXXX XXXX XXXX XXXXXXXX is {$1000.00}, and as such, I am requesting that Bank of America compensate me in the amount of {$1000.00} for their failure to comply with the law and for the hardship caused. 

I believe that Bank of America 's actions were in violation of the XXXX and Regulation XXXX, and I urge the CFPB to take appropriate action to hold the bank accountable and to ensure that consumers like me are protected in the future. 

The location of the Bank of America in question is located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/2023 at approximately XXXX XXXX XXXX XXXXXXXX was not wearing name tag and refused to understand that the money the bank deals with comes from the Federal Reserve and the XXXX. money orders are drawn from the Federal Reserve. It's the most secured money there is, but not from my experience. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-30
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. (GA)

I put in a dispute was put in with XXXX on XX/XX/2023. I didn't receive the results of the investigation after 30 days. I then filed a complaint with the CFPB on XX/XX/2023 stating that XXXX was in violation of FCRA. The results were supposed to be updated within 15 days which would have been XX/XX/2023. I'm now filing a second complaint with the CFPB because it has been 24 days and i have not received results.
Consumer complaint received 2023-03-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have contacted XXXX on many diffrent occasions and nothing has been done about the fraudulent inquires that are on my credit reports I have sent them detailed information such as police reports, FTC reports and nothing has been done the Inquires need to be removed due to the I have disputed these inquiries as lacking permissible purpose and being unverified, yet you have failed to respond within the 30 day period allowed under the FCRA. As I have previously stated, I contacted the companies myself and have been unable to get them to verify that they possess any evidence of permissible purpose or authorization to check my credit these inquest need to be removed as they are fraudulent inquires [ 15 U.S.C. 1681 ] these need to be blocked from my credit report.