davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-15
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: Credence Resource Management, LLC (AL)

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction XXXX on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2021-08-16
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX ... XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-08-15
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. (FL)

The first set of dispute letters were sent in on XX/XX/2021. It has been more than 30 days and no response. I have reopened the investigation and submitted the letters again.
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Wrong information given for the reason of the credit score from Equifax.Issued me XXXX based on two wrong reasons, too few accts currently paid, andtoo many accts with balances on XX/XX/2021, and another came today XX/XX/2021 with a score of XXXX.Isent the first letter back to their address, and nothing was resolved.I have a credit score of XXXX, as of XX/XX/2021 wit XXXX XXXX.This needs to be resolved as it affects my borrowing power for a lower interest rate.Thank you.
Consumer complaint received 2021-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CADENCE BANCORPORATION (FL)

I closed my account because they let XXXX take funds from my account could not tell me for what I made joke about going after XXXX for my money bank called police sent my house XXXX threat but real reason I have refunds about {$200.00} and they are holding my funds plus cant access old account for {$230.00} taking out for fake XXXX  purchase I never received need documents to send to XXXX they took money out my account but cant find it???? I just want my bank stand my refunds that I can prove items returned purchase with cadence bank and XXXX bank they called police on me after joke made and after speaking to bank manager saying it was joke sent police to my home .XXXX people quick to call authorities on XXXX people if they feel uncomfortable threatened just refund my money never seen any XXXX employees working for cadence bank either
Consumer complaint received 2021-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (FL)

Around XXXX Chase Bank closed my account because I deposited my sons fathers stimulus check into my account. With his approval and written letter from him just like they instructed me too. I have power of attorney over him, he is currently incarcerated so he was unable to cash it. The check has my address on it which is the same on my license and we have a child together. I went to several chase banks and worked with the managers they sent corporate all the papers they asked me for I cooperated with everything they wanted and they kept my XXXX $ that was in my bank account and closed it. Ive been dealing with this since XXXX and I have called and went to the branches for 6 months and still no help and the same run around. Everytime I call. Im put on hold for 30 mins and then they hang up on me. I dont understand why they have made this so complicated. I am a single mom of XXXX and I was impacted by covid pretty bad so them closing my account and keeping my money really hurt me and my kids. I just want this fixed.
Consumer complaint received 2021-08-17
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Bank of America reported a late payment on XXXX, 2017. I was put in this position because of BofA. BofA website itself doesnt have an easy mechanism for setting up autopay. Their agents on phone setup a recurring payment which isnt based on the statement balance and the way they set it up it deducts money even if there is no balance on the account. It is for this reason that I had to remove a previously setup autopay. During XXXX, 2017 I was traveling out of the country and didnt have access to internet and missed paying the amount. Recently, when I enquired about the credit report, their rude staff told me that I had refused autopay in the past so they wouldnt delete the report. After that call, I had called again to setup autopay and I wasnt able to, the agent on the phone directed me to webpage and what was shown there and what I was seeing on my phone was different. After probably a few more calls, an agent walked me through setting up autopay on my account. Firstly, for some weird reason I had to give access to the bank, to access my statements and then I think I had turn off paper statements and only then I was able to setup autopay. No other credit card provider has such contrived illogical process of setting up autopay. It appears that it is a deliberate attempt from BofA to trouble its customers and inflict damaging credit reporting. My credit card number is XXXX XXXX XXXX XXXX. 

Even today after autopay had been setup by the agent on the phone, the bank continues to pull money even if there is no balance on my account.
Consumer complaint received 2021-08-17
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: WELLS FARGO & COMPANY (CA)

I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
Consumer complaint received 2021-08-16
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WSFS FINANCIAL CORPORATION (DE)

I was selling a dress on XXXX and " XXXX '' sent me a message asking for pictures to be sent to her email address. We then began communicating via email and she said her daughter wanted the dress and that she could only pay through money order. A couple days before it arrived at my address, she stated her husband mixed up their bill payment ( money order ) with the one for me. The amount I was supposed to recieve for the dress as XXXX dollars although te money order came with {$850.00}. I deposited the money order and waited for it to clear into my WSFS bank account before sending the remaining " bill money '' back to her. They did actually show up in my account which is the only reason I sent the money over. Using XXXX, I sent her the remaining funds {$770.00} to her zelle account which is also through WSFS. A couple days after that I looked at my account and noticed the money had been removed by the bank due to them realizing it was fraud check and I discovered the XXXX for the money order was actually my money being removed since the check was fake. Not only did WSFS deduct additional funds but I could not recover my funds from the buyer, XXXX, or the bank. This was the remainder of my savings and was also bill money now I am behind on all my bills. There was also another person fowarded in the emails called XXXX?
Consumer complaint received 2021-08-11
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (OH)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX illegally and wrongfully repossessed my XXXX XXXX XXXX XXXX from XXXX XXXX XXXX while I was getting my car serviced. They unlawfully took my car. And committed theft as well. My rights were violated as well pursuant to 18 USC 241- conspiracy against rights, as well as 18 USC 242- Deprivations of rights under color law.
Consumer complaint received 2021-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I consumer XXXX XXXX sent CAPITAL ONE a cease and desist and they refused to stop contacting me about debt that is not mine and already paid off. CAPITAL ONE is using abusive tactics in order to coerce payment. CAPITAL ONE has not validated any debt that belongs to me. I am the consumer and I'm not obligated to pay ANY debt under the provisions of the Fair Debt Collection Practices Act. 18 usc 8 is responsible for all consumers. My federally protected rights are being violated by CAPITAL ONE. I asked CAPITAL ONE to show a documentary trail of alleged debt that they gave my money from their account. I am the consumer that extended CAPITAL ONE CREDIT. CAPITAL ONE has closed my account in which violates my consumer rights as well. CAPITAL ONE can not close my account under 15 usc 1691. CAPITAL ONE has showed false statements every month in a positive balance. This is false and misleading. CAPITAL ONE is civilly liable.
Consumer complaint received 2021-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (PA)

Upon paying the debt owed to XXXX/Convergent outsourcing, I was told that the debt would be removed during a phone call on XX/XX/2021. I was also told that I would receive an email verification of this. The email was never sent. I called XXXX/convergent outsourcing on XX/XX/2021 and was told that I would receive an email verifying that the debt was paid. The only thing that was updated by XXXX/convergent outsourcing was that the debt was paid in full. Although it was paid in full, it still shows up as a collection on my credit report which is affecting my credit score negatively.
Consumer complaint received 2021-08-16
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: EQUIFAX, INC. (GA)

I am a victim of identity theft. There are 9 inquiries on my Equifax credit report that do not belong to me. I have submitted a dispute for each fraudulent inquiry as well as a FCT report and identity theft affidavit to Equifax per their request. I have spoken to 3 Equifax representatives on the phone and have submitted all requested documentation to them via fax. Equifax refuses to remove the fraudulent inquiries. Equifax is the only agency that refuses to remove these inquiries. These inquiries need to be removed immediately as Equifax is violating my rights as a consumer and reporting inaccurate information on my credit report which can negatively affect my ability to be approved for future credit.
Consumer complaint received 2021-08-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/20 I deposited {$1500.00} in my Bank of America checking account. The same day I noticed a withdrawal for {$15000.00} account and I called the claims department from Bank of America. They responded closing all my accounts. Checking account, savings account with {$10000.00} and business account with {$2000.00}. As today, I just received a check {$2000.00} from my business account. I called multiple times and nobody has a response to me. I was really affected because during this month I was unable to pay all my monthly expenses. I need to receive my money back and nobody explained to me what happened.
Consumer complaint received 2021-08-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is TransUnion. Thank you!
Consumer complaint received 2021-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (LA)

Chase Bank says I have to pay over {$5000.00} for fraud charges. Crazy thing is I have two chase credit cards, both of which had fraud charges from the same merchant for thousands of dollars that were made on the same day. On one card they admitted it was fraud and removed the charges but on the other they say I told them it was a valid charge. I NEVER told them these charges were valid. The only reason I called in the first place was to report the charges so why would I say they were valid? That makes no sense. I clearly was not in XXXX where the charges were made. I have proof I was working that day. They couldnt/wouldnt tell me anything about where or even how these charges were made. How can charges on one card be fraud and the same exact charges on the other ( from the same merchant ) be me? They admitted the charges were fraud when they removed them from my chase freedom card. Its obvious fraud but they are going to force me to pay them thousands of dollars that I dont have. Ive been a chase customer for almost 20 years and have never had any issues. I have a checking account and 2 chase credit cards ( that I will no longer be using. ) I no longer feel safe with Chase. Im just appalled by the way this was handled what little they did to help me find the truth. I am contacting an attorney as soon as possible to find out what my options are because I plan to fight this. The proof is there and I am left with no more options.
Consumer complaint received 2021-08-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is XXXX and TransUnion. Thank you!
Consumer complaint received 2021-08-16
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 — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (MS)

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is ALLY FINANCIAL. The inquiry date is XX/XX/2018. The bureau reporting is XXXX and XXXX. Thank you!
Consumer complaint received 2021-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Capital one has not sent my monthly statements. I spoke to XXXX a supervisor at capital one. He stated capital one has been experiencing delays due to the post office. I explained I have been randomly calling in to make payments but have not received a monthly statement thus far! The company refused to correct the fees and update my account. I feel that the company is intentionally exploiting card members financially during this pandemic. They overcharging the customer to get the member at a large monthly amounts through fees so the account will always owe more for a longer period of time and potentially can not every pay off the balance. It appears to be a scam or fraud!
Consumer complaint received 2021-08-16
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. (CA)

I am XXXX XXXX. I am submitting this complaint on behalf of myself, no third party involved. XXXX of XXXX I began the dispute process with Equifax over 3 unverified accounts in collections on my report. I disputed all 3 accounts from XXXX XXXX because all accounts were unverified. I received no responses from the first investigation. I repeated the process with 3 more rounds of disputes, a total of 4 rounds of disputes in an attempt to resolve the discrepancies with the company. Each time from rounds 2 through 4 they provided invalid forms of proof in order to justify illegally reporting these accounts on my credit report. Each time their willful and improper investigations yielded no VALID forms of documentation as required by the FCRA under section 611 to provide proof that the debt is in fact mine. There must be an original document consumer contract containing my signature on it in order to verify the account and legally report it. The dispute process with the company ended XX/XX/XXXX without remedy. My account has had these collections since XXXX and for several years has damaged my credit and negatively impacted my life. Im homeless and have been unable to obtain housing for years because of the illegal practices ruining my credit caused by Equifax. Ive exhausted all options with the company and they have repeatedly dismissed my valid disputes over my credit report. Roughly cost {$120.00} to dispute with Equifax for printing, copying, postage, and notarizations.
Consumer complaint received 2021-08-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

This happened on XX/XX/XXXX. Was contacted by who appeared to be my financial institution as shown by my caller id, and stated that my account had been hacked. Then proceeded to tell me that {$3500.00} was wired out of my account through XXXX which I do not have an account, but is a third party app on the banking app. They then told me that the money would be credited back to my account in my name, but it did not. I contacted my bank, which is Bank of America and a fraud claim was filed on XX/XX/XXXX. I have called them 3 different times and am getting nowhere with them, and am not getting any answers as to where my money is, or where it was sent, or whom it was sent to. They even told me that I would get an email with an update on where things are with this issue on XX/XX/XXXX, but never did. So when I contacted them again on XX/XX/XXXX, they told my they had no record of anyone even telling me that I would receive an email on that date. I am getting no definate answers in this either way, and am growing very frustrated especially knowing this type of fraud is very common with Bank of AmericaXXXX, and they are doing absolutely nothing at all to prevent this from happening to any of their account holders.