davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Synovus Bank (WA)

On XX/XX/XXXX I have applied for a Secured Credit Card with First Progress. 
Applications are only received online at https : //www.firstprogress.com. 
During my application process, I was asked for my debit card and authorized a deposit of {$2000.00} to be applied to my future First Progress secured credit card. 
While performing the online steps in this application, I got logged out. 
When trying to request the status of my application, nothing is shown in the browser. 
Customer service say that they can not find my application in their system and can not transfer to anyone that knows where my deposit is. 
Web application status check results in a blank screen... 
For two days I've been trying to solve this myself, but had no success. 
I didn't get any receipt or email confirmation for the deposit and the money is now gone from my debit card. 
Attached screenshot is of the charge on my account in total of XXXX MDL ( an equivalent of 2000 USD ).
Consumer complaint received 2022-08-18
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. (PA)

I reached out to Equifax several times this month in regards to several inaccuracies in my consumer report that has been causing me mental anguish. I informed the agent that the previous agent did not include the information there was a result as fraud and identity theft ( all required documentation was provided ) and per 15 U.S.C. 1681c-2, that information shall be blocked and taken care of within for days. I checked again 4 days later and the same inaccuracies remain on my consumer report.
Consumer complaint received 2022-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (IN)

On XX/XX/XXXX my Credit Karma spend account was locked. The amount is showing as - {$20.00} dollars. The money had been pulled back from my externally linked bank account but before I could resolve the issue, my account was temporarily locked. Despite 6 attempts to get customer service to look into the issue nothing has been resolved. I have my tax return being deposited and I was told that if the account is not unlocked before then it wil get rejected and sent back. I would like a solution ASAP! I have looked into this to see if others have had this same issue with Credit Karma and it seems many others are in the same position with some being unable to access their money spend accounts for MONTHS for " fraud prevention ''. I DO NOT HAVE MONTHS TO SIT AROUND AND WAIT. I want my account unlocked NOW!!!! The people in the customer service do not care nor will they respond to my emails. I have verified my identity, I have done everything!!! Please help me unlock my account. I desperately need into this account. I have already sent the documents into an encrypted link, and the following case numbers XXXX & XXXX as well!!!! Ive submitted proof multiple times and Ive also already given them an explanation on the XXXX filed on XX/XX/22!! I have already submitted other identifying documents on XX/XX/22 to case number XXXX & XXXX. I also submitted a copy of my utility bill and my Social Security card as well. The reason for the XXXX return on my account was because my bank account did not have sufficient funds available, so it rejected the funds, however I do now have sufficient funds so I can deposit the money as soon as my account is unlocked! i also sent the right account statement, the account number is in the top right corner!!! they stated that the external bank account linked was incorrect but I have proof on my statement of the money coming out of that bank account number they are just trying to avoid me and avoid unlocking my account.
Consumer complaint received 2018-02-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bliksum, LLC (MO)

On Friday, XX/XX/XXXX at roughly XXXX, XXXX XXXX customer service agent XXXX XXXX XXXX did call my place of employment after the customer service department was instructed to not call any number other than my cell phone ( XXXX ). This was explicitly told to the customer service agent several weeks prior. I have recorded conversations with that individual as well as my conversation with XXXX XXXX. 
XXXX XXXX attempting to contact me at work has put my job in jeopardy as I'm not allowed to take personal calls on a work number.
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX is at fault for this issue. 
I use the card to pay my rent and twice I have payed the rental company directly ( Cashiers Check ). But XXXX has made a rental charge on my account for the rent twice. So I pay directly to the company and XXXX charges me without my approval to my card. Who is stealing here? I have gone to the rental company 's management and they say I am up to date with payments and that there is no issue on their side. XXXX has also been charging me penalty fees which has added up. I have called XXXX 5 times and XXXX person could not help at all and the other 4 times I have been hung up on. This treatment and is unacceptable and how are they able to charge me for something that I have already paid for in cash???? I have emailed XXXX and waiting for response. I don't expect any response back due to there customer service I have experienced...
Consumer complaint received 2018-06-29
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CHOICE LENDING CORP (CA)

My loan officer was misleading me from the very beginning. When I had originally backed out of my first house he calls me and asks me why I did. I tell him all the issues with the house and his response is that he heard that the house wasnt " that bad '' and that I should've gone through escrow first to see what they were willing to fix. I was taken back by everything. I couldn't believe that my loan officer was almost pushing a house I didn't want on me. So I get to a house I like and it's time for escrow. I lose XXXX dollars through wire transfer. He called me and I tell him I got fraudulent wire transfer instructions through my realtors email address ( which she claims to know nothing about ). He said that not to worry he had a good feeling that the bank would take the hit and my money would return to me. This is false. Banks DO NOT guarantee wire transfers. It's as good as giving someone cash. So a couple days later I want to back out. My realtor calls my lender who then calls me and tells me everything will be ok and I was promised everything under the sun. It was all a lie. He knew that the money was going to get spent and he never advised me differently when the money was lost. He just kept going as business as usual and I believed him.
Consumer complaint received 2022-02-21
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-12-02
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. (GA)

I have submitted multiple identity theft reports and letters to all 3 credit reporting agencies regarding two collections and a number of incorrect information reports on my credit profile. Equifax continues to report this unverified and fraudulent information. The collections were removed previously and re-added, again, without verification that the accounts belong to me. I have exercised my consumer rights in all letters regarding verification and reporting fraudulent information to all 3 agencies, but the consumer reporting agencies have been negligent and have continued to ignore me.

All dates of letters are included in the files attached. I have also spoken with all 3 agencies verbally, multiple times. 
Neither company has provided me with any updates or information on how they might have verified anything. All have received identity theft reports dating back to 2018.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I called the Bank and spoke to one of their reps. Her name was XXXX. I explained that I needed my bank statement from the date the account was opened till the closing date, but she will not give them to me. Saying she can only go as far back as seven years. 

However, I need the complete statement to reconcile the information on my credit reports.
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

Hi! I have tried many times to have my Experian credit report corrected. My XXXX XXXX  credit card account ( closed in XXXX ) was settled on XX/XX/XXXX, but Experian continues to report it as of XX/XX/XXXX as currently in a negative or charge off status ( more than a year later ), dropping my credit score by up to 90 points. XXXX XXXX  claims to have reported the account as " settled in full '' as of XX/XX/XXXX, and says this is not a bank issue, but an Experian issue. I uploaded yet another dispute today, but am not optimistic that Experian will fix the issue in a timely manner.
Consumer complaint received 2022-10-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MI)

Deposit from XXXX XXXX ( Employer ) XX/XX/XXXX Chime suspended my account on XX/XX/XXXX for suspicious activity regarding a pending deposit that I had no knowledge of. I was asked to submit verification of my identity and residence which I did. I was also asked to verify proof of ownership of several " linked '' debit cards to my account, when I was asked to provide this information I kindly let the support team at Chime know several times that those debit cards did not belong to me and never belonged to me but for some reason they did not believe me and did not give me a reason why the don't believe me and won't provide any additional information. Now Chime is holding my funds of {$2100.00} from my employer in their system and they won't give it back. I was told by several team members that there was nothing i could do until i provide proof of ownership of the debit cards and my identity but i can't provide proof of ownership of something I never owned in my life. I work hard for my money so the fact that the U.S. government allows this company to operate with no oversight and no accountability is senseless. How can the highest level of escalation at the company not assist me with my issue or at least give me my money back. The people at this company are thieves and I demand you hold them responsible. 

Thank you,
Consumer complaint received 2022-02-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Investment Retrievers, Inc. (TX)

I ( a natural person ) was issued a false debt that was issued in the mail. I responded to Investment Retrievers INC. letter on XX/XX/22. I have not received proper validation of the alleged debt as I asked in my response letter. I was instead sent another collection letter which is disappointing that my original request has been completely ignored. I do not recall contracting with this company let alone giving permission that they obtain my location information and contact me multiple times. This is a clear violation of my rights under Title 15 US Code Chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT .....
Consumer complaint received 2022-12-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Happy Holidays to the good people at the CFPB. Thank you for your service. Im writing the CFPB because Im being extorted and discriminated against by Bank of America. Not just with overdraft fees and atm charges. Bank of America is not doing proper accounting on my business bank account ending in XXXX. I am only being serviced on the cash side of the Bank of America accounting ledger and not the credit side. Yesterday I received a tax credit from the XXXX XXXX  because of a tax form I submitted to the IRS Treasury department. The tax credit of {$38000.00} posted to my account at midnight XX/XX/2022. Instead of crediting my account Bank of America created a negative deposit after applying the credits to themselves and not giving me access to my funds. I am completely in shock and cant even think straight. Im tired of being bullied. Im a tax paying American State Citizen. I should not be treated like this..
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (GA)

I'm banking with truist bank a mobile check was deposited into my account 3days later the check was found out to be fraudulent and caused my account to go to a negative balance I paid the money back to the bank and my debit card was locked on the date my rent and Bill 's were due I made 2trips to the bank trying to find out why my card was locked I got the run around until I went back the second time to close my account out they wouldnt let me because my social sercurity check hadn't cleared it was still pending I've never had a problem before paying Bill 's on a pending social sercurity check this is terrible I cant pay my rent because of this truist is holding my money which is totally wrong
Consumer complaint received 2017-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

XXXX/XXXX/XXXX : Balance XXXX XXXX/XXXX/XXXX : deposit XXXX XXXX/XXXX/XXXX : new balance XXXX XXXX/XXXX/XXXX : overdraft fee XXXX XXXX/XXXX/XXXX : verizon payment XXXX XXXX/XXXX/XXXX : purchase XXXX XXXX/XXXX/XXXX : new balance XXXX XXXX/XXXX/XXXX : another overdraft fee XXXX XXXX/XXXX/XXXX balance XXXX My financial institution would NOT remove/replace the XXXX {$140.00}
Consumer complaint received 2022-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Am a victim of identity theft I was looking over my credit report and saw some accounts wasnt mine XXXX XXXX XXXX  account XXXX is not my account. I also have some inquiries on my credit report that didnt give these companies permission to run my credit please delete these accounts immediately 15 U.S.C 1681 section 604 A section 2 the law clearly states a consumer reporting agency can not furnish a account without my written instruction.I havent given these accounts written permission to furnish these accounts on my credit report
Consumer complaint received 2022-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (SC)

this account has no contract it was cancelled by original creditor. 6years later this collection agency bought this debt and is trying to collect. there was no agreement nor contract with is agency and since i didnt agree with this collection agency on any terms i no longer liable for this debt. also they are unable to provide adequete paper work to show this debt is mine
Consumer complaint received 2018-06-29
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)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
Consumer complaint received 2022-12-02
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. (ND)

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

Please investigate these negative accounts on my credit report I have disputed these accounts multiple times and I have received no verification as to why these accounts are on my report plus it has been more then thirty days
Consumer complaint received 2022-10-07
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)

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. 

The following Accounts have violated my rights : XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX - # XXXX XXXX  XXXX XXXX, XXXX - # XXXX I. XXXX XXXX, XXXX - # XXXX I. 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (FL)

I, XXXX XXXX, the consumer and original creditor in fact, are aware of your fraudulent and discriminatory practices while operating as a creditor 15 USC 1602 ( g ). I, the applicant, initiated a Consumer Credit Transaction using my Credit Card 15 USC 1601 ( 1 ) and furthermore, not only did a transaction occur warranting unauthorized use as per 15 USC 1602 ( p ), but the consumer which is myself never benefited. 

CONSUMER ADJUSTMENT CO has violated my consumer rights and also has violated the XXXX law. 
I am demanding CONSUMER ADJUSTMENT CO to report to delete the collections to all reporting credit agencies within 7 days of receiving this letter/complaint. I, XXXX XXXX, never gave CONSUMER ADJUSTMENT CO to furnish information on my behalf 18 U.S. Code 1028A. I am demanding {$1000.00} for each violation to my consumer rights.