davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I've contacted Bank of America on several occasions disputing an account that was open under my name, due to this account being open and whatever is owed to Bank of America its hindering me from opening a checking and savings account with other Banking institutions. I never received anything about this account being opened from Bank of America so by the time I realized years later it was too late to make a police report or put in a fraud dispute as Bank of America stated. What am I left to do, I was never contacted by Bank of America with any documents by mail no general disclosure like any other bank. The account is from 2016 when calling to ask about the amount owed so I can dispute anything Bank of America cant pull the record. If banks are not following the law and there own policy and regulations how can a consumer be aware a fraudulent account was open in there name so they can dispute it in a timely manner.
Consumer complaint received 2022-05-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

Filed a dispute with XXXX on XX/XX/22 as I do not know anything of this collection. Per XXXX it is verified ... .in three days??? 

Phoned into company calling phone number listed on my credit profile, per conversation recorded at XXXX on XX/XX/22 they are unable to access my account to send me debt verification proof but they verified the debt that I disputed on XX/XX/22 .....
Consumer complaint received 2024-03-06
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: EQUIFAX, INC. (AL)

In XX/XX/year>, I submitted a self-attestation from an XXXX in accordance with the fair credit reporting act to have items removed from my credit report. This credit reporting agency has not removed the items without sufficient reasoning.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I disputed some hard inquiries and negative remarks on my TransUnion credit report last month. Since then I have received a response from them, and my score also dropped 42 points with no alerts, or reasons explaining why. For the past 60 days I've been working day and night to fix my credit. I haven't missed any payments, and I have been making extra payments toward my credit card balances.
Consumer complaint received 2021-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (TX)

On XX/XX/XXXX, I made a {$240.00} payment to First Progress MC for a " secured '' credit card. It was a {$200.00} deposit into the account and the {$49.00} membership fee. I made one purchase with this card on XX/XX/XXXX and paid the balance in full the next day. The company only takes Bill Pay so I setup a bill payment account with my bank account at that time and made the payment. It took 21 days ( 3 weeks ) for the payment to post to my credit card account. I decided then that I would not use the card anymore because the payment takes too long to post. So, I put the card up and did not use it. I knew, however, that the {$49.00} annual fee would be due soon, but I was not worried about it because I was expecting to get the statement in the mail. Today, XX/XX/XXXX, I received a First Progress statement in the mail. This is the ONLY statement that I have received this year and my balance is {$110.00}. The company billed {$49.00} on XX/XX/XXXX for the membership fee, {$29.00} on XX/XX/XXXX for a late charge and {$40.00} on XX/XX/XXXX for an additional late charge for a total billed amount due of {$110.00}. I WAS LIVID!! I called First Progress and asked for a supervisor. So, XXXX ID # XXXX, gets on the phone and tells me that the company has mailed me sixteen statements beginning on XX/XX/XXXX. I told XXXX that I received that statement, but I have not received a statement since XX/XX/XXXX. Then XXXX tells me it is not his company 's fault that I did not get my statements and that there must be a problem with the mail delivery. I told XXXX that I received ALL my other bills in the mail this year, but I can not understand why I have not received one statement from First Progress until my account is past due. I assured him that I have not received any statements and can easily prove it. I signed up for the USPS Informed Delivery service- the post office creates images of the mail for that day and then emails the images to me each and every day there is mail service. There are NO images of any First Progress statements, except the one that I received today. I depend on receiving my bills in the mail and email so that I can remember when to pay them. And paying the {$49.00} is not the problem... the problem is that First Progress has not mailed any statements to me. XXXX then tells me that I would not receive a statement and it is my responsibility to pay my bills. I asked him then why did he tell me that XXXX statements have been mailed to me? And why does the company offer " Paperless '' Statements? Of course, he got smart. I told him that I was reporting this because whatever they are doing is a fraudulent business practice.
Consumer complaint received 2021-11-12
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: Experian Information Solutions Inc. (VA)

According to the FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ), XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove the inquiry immediately. The above company has been XXXX XXXX XXXX keeps running my credit repot without permissible purpose .The company keeps pulling my credit without my permission. This has been happening since XXXX XXXX. And again on XXXX XXXX they should not be running my credit report they have no reason to keep run my credit report
Consumer complaint received 2021-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

I applied for the Hilton honors credit card that is from American Express on XX/XX/2021. The website was showing the offer for this card. Welcome Bonus XXXX Hilton points if you spend {$1000.00} in the first 3 months of opening this card, if you spend {$5000.00} in the first 6 months you get an additional XXXX Hilton points. 
So I signed up for this card and spent {$1000.00} in the first 3 months and got XXXX points. When I spent {$5000.00} in the first 6 months I didn't get any extra points, so I called up American Express and asked them where my XXXX points are, they tell me we didn't promise you only XXXX points. 
So I am reaching out to the Consumer Finance office to help me get the XXXX points that I was promised when I signed up on the website.
Consumer complaint received 2024-03-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (LA)

I have been trying to contact coinbase customer support for XXXX years, I had about XXXX in a coinbase account and someone hacked into it, started a chat log with coinbase and you can see XXXX language... i guess and moved all of my money into a XXXX bank. it is all on the chat logs that are in my account. that was definitely not me and I want my money back. they changed the phone number, email and password associated with my account and i havent been able to access it or gain any progress towards a resolution of this issue.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

Please delete these fraudulent Inquiries and accounts from my credit report. I have included the Identity theft report as well. 

Fraudulent Inquiries : 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 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX I HAS LEFT A DEROGATORY COLLECTION ON MY XXXX XXXX FILE AND I HAVE SPOKEN WITH XXXX AND XXXX ABOUT THIS ISSUE. 
I ALSO HAVE FOUR HARD INQUIRY THAT I DIDN'T APPLY FOR NEW LINES OF CREDIT FROM ANY BANY OR LENDING PROGRAME. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CA)

Chase persists in locking me out from accessing my account on-line. I have spent over an hour on two successive days for this to be corrected ; and have been transferred from person to person with no results of allowing me access to my credit card or its information.
Consumer complaint received 2016-03-28
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (CA)

My spouse and I signed and submitted my request for the REPAYE program on XXXX/XXXX/2016 electronically through XXXX. The request reference number is XXXX. As of XXXX/XXXX/2016, my loan servicer FedLoan Servicing still has not put me on the REPAYE program.
Consumer complaint received 2017-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (AZ)

I was contacted today by XXXX XXXX of CBE Group ( a debt collection agency ) in XXXX IA XXXX in order to collect a debt they say I owed from a XXXX subscription of {$370.00} that was 26 days in collection as of XXXX XXXX, 2017. I knew this was bogus because we have had XXXX XXXX for the last six years. XXXX is not even a choice in XXXX AZ XXXX went on to tell me the XXXX service was for someone that lives at XXXX XXXX XXXX XXXX, XXXX GA XXXX with a Disconnect date was on X/XX/2017 and gave me the account # XXXX had all my personal information, address, phone and social security number
Consumer complaint received 2022-12-16
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: Experian Information Solutions Inc. (AL)

HI I AM 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 XX/XX/XXXX {$27000.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX  XXXX ) XXXX XX/XX/XXXX {$520.00XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XX/XX/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 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 2021-11-12
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX XXXX {$550.00} XXXX  XXXX {$720.00} XXXX  / XXXX {$0.00} XXXX  XXXX {$0.00} XXXX {$1100.00} XXXX  / XXXX {$0.00}
Consumer complaint received 2022-12-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (WA)

On Friday XX/XX/2022 I went into my Discover Bank account to add my XXXX savings account ( operated by XXXXXXXX XXXX  ) as an external account to transfer money. Both of these banks are legitimate FDIC registered banks. 

Upon adding this external account, my Discover bank account was immediately locked. I called Discover but they explicitly told me ( XXXX different representatives ) that XXXXXXXX XXXX  is " not supported '' for ACH transfers from Discover, and that I should initiate the transfer on the XXXXXXXX XXXX  side instead. The did not and would not provide additional details as to why it is " not supported '', stating that " some banks are just not compatible with each other '' which is simply not true for a standard ACH transfer within the US, for two FDIC registered and insured banks. 

No transfer to this account was even initiated ( not that it should matter ) for Discover to freeze my account.
Consumer complaint received 2022-03-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rock Creek Capital, LLC (MA)

I am writing in regards to collection notices coming from a company called performance XXXX XXXX I have recieved the last 6 months for a company named rockcreek capital llc that neither were on my credit report until somehow rock creek obtained my info and appeared on my experience report. I asked them to cease and desist in XXXX and XXXX. Made complaint about XXXX  and XXXX. XXXX  stated neither would contact me I request they update info over a XXXX dollar debt they claim I owed for rental towing charges. I never recieved any notices from fair, uber or xchange leasing over sales of any balances. Rock creek purchased files from a banrupt fair leasing in XXXX. Fair went under in XXXX and went through some process. Fair aquatics still exists. Fair purchased exchange from XXXX in XXXX. In XX/XX/XXXX my account for a weekly XXXX was returned and closed out. Those leased you could return recive XXXX dollar deposit back if was pickup up or auction you loose deposit. Nothing ever appeared on my credit report for either. XXXX nor rockcreek can produce a signed dealer ship contract or lice copy or recored or even telephone toecor auction company they basically created a bogus invoice XXXX with XXXX dollars in rental toeing storage charges somehow inflated to XXXX dollars with interest. Rockcreek is cresting fraudulent invoices using rom to try and demand.credit card payments which you can not only via check or money order for debt. Also I will seek local attorney General complain for XXXX XXXX and rpm as well as anit trust complaints forcuber. Also separate complaints to fair and rock creek and rpm I had to put a fraud alert on my credit files for rock creek showing up on my experience file XX/XX/XXXX. I want them removed as this makes harder to rent or seek better ooan options. Even the report is wrong snd not reporting to XXXX transactions. Or XXXX XXXX. I will seek ma court complaint for damages. Rpm contacted numbers and relatives with out permission or knowledge and conducted skip tracing activities. Also they have not sent anything with my signature Dib or social. Not sure how rockcreek appeared on credit file 9 months later and after receiving cease desist.
Consumer complaint received 2022-03-29
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. (FL)

In Accordance With The Fair Credit Reporting Act *XXXX XXXX XXXX  Account : XXXX *XXXX XXXX XXXX Account 1 : XXXX *XXXX XXXX XXXX Account 2 : XXXX 15 U.S. Code 1681s2 ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ( 1 ) Prohibition ( B ) Reporting Information After Notice And Confirmation Of Errors APersonShall Not Furnish Information Relating To AConsumerTo AnyConsumer Reporting Agency Without My Written Instructions 15 U.S. Code section 602-A. States I Have The Right To Privacy.

THE LAW CLEARLY STATES : Transactions Between The Consumer ( ME ) And : XXXX XXXX XXXX  Account : XXXX *XXXX XXXX XXXX  Account 1 : XXXX *XXXX XXXX XXXX Account 2 : XXXX Making The Report Is Not INCLUDED On My Consumer Report! 
THE FCRA 15USC 1681a 2Ai By Reporting This Transaction Or Experience On My Consumer Which CONGRESS Clearly States IS NOT Included On My CONSUMER REPORTS.
Consumer complaint received 2023-03-03
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: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2015-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I was sent to collections by XXXX XXXX XXXX. I paid in full to XXXX XXXX XXXX and have copies of my bank statements with all the electronic pmts. This is being reported as open by Transunion.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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, 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
Consumer complaint received 2023-06-01
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: Experian Information Solutions Inc. (CA)

To provide some context, I have thoroughly reviewed my credit report and discovered numerous inquiries and accounts that I did not authorize or have any knowledge of. These items have negatively impacted my creditworthiness and have caused significant distress and inconvenience in my personal and financial life. It is worth noting that these fraudulent entries are clearly not reflective of my credit history and are therefore erroneous and misleading. 

Moreover, it is important to note that these inquiries and accounts have been reported without a permissible purpose. According to the FCRA, credit inquiries and account reporting must be conducted with a legitimate reason, such as in connection with a credit application or account review initiated by the consumer. In this case, I have neither applied for credit nor requested any account activity that would justify the presence of these items on my credit report. 

The unlawful reporting of these fraudulent and unauthorized inquiries and accounts not only damages my creditworthiness but also exposes me to potential financial harm. It is imperative that you take immediate action to rectify this situation and remove these inaccurate and unauthorized entries from my credit report. 

I request that you conduct a thorough investigation into this matter and provide me with a detailed explanation of how such erroneous information was allowed to appear on my credit report. Additionally, I expect a prompt resolution, including the removal of all fraudulent and unauthorized inquiries and accounts, as well as a written confirmation of the correction made. 

Please be advised that the FCRA provides consumers with certain rights and remedies in cases of inaccurate and unauthorized credit reporting. I am prepared to exercise all available legal options, including filing a complaint with the Consumer Financial Protection Bureau and seeking appropriate legal redress, if necessary, to protect my rights and ensure compliance with the law. 

I trust that you will treat this matter with the urgency and seriousness it deserves. I expect a prompt response within [ reasonable timeframe, e.g., 30 days ] from the date of receipt of this letter. Failure to address this issue adequately may result in further legal action. I strongly urge you to rectify this violation of my consumer rights promptly and to take all necessary steps to prevent such incidents from occurring in the future.