davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am not able to access my bank account. I received a letter from XXXX that says I owe {$1800.00}. I was a victim of check and bank fraud. I was away at school and a guy I knew said his brother was sending him money but he did n't have a bank account so he asked if the money could be wired to my account. I agreed because I did n't know the guy was scamming me. I never saw a check or signed a check. I just withdrew the money out once I saw that it had posted to my account. I thought that because it posted and showed available that it was ok to take out. Once I took the money out I turned it over to the guy and he gave me {$500.00}. I still did n't think anything of it. I thought I was helping someone out in need. I found out later that this happens to college students all the time and that I should have been smarter. I think this guy came after me on purpose because I lost my wallet with all my ID and other personal information in it. I believe he found my wallet. Please let me know how to clear this up?
Consumer complaint received 2021-05-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I have been told that the reason my claim was denied was one of two reasons an one was that i stated i said i was a victim of scam an gave my information. This is false an have never said anything claiming that. The one time i only stated anything close to that was when i made an example to the worker i was on the phone with who i clarified with him more than once that it was an example. He than to make it seem as if thats what happened when i kept having to defend myself that it was an example of what could happen but not what did happen. i brought up more theories and ideas to other workers an they never had a problem an understood i was just trying to give ideas. To know he used an example as a fact just shows the investigating you did on my account was not credible. To make it so easy for fraud to occur an with nothing to happen other than the customer having to pay double what he lost is beyond pro-consumer. I want a reinvestigation into my account an i also want to know what service provider i am using that you have because it seems two people cant have the same provider nor use a XXXX or a XXXX proxy to change the information coming from the phone. I was a victim of fraud and you guys are allowing your customer to be.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE : CFPB DISPUTE FOR MULTIPLE VIOLATIONS OF NOTICE OF OBLIGATION REASSIGNMENT, OPT-OUT NOTICES, AND CEASE AND DESIST REQUESTS** Dear XXXX XXXX, I am writing to dispute the accuracy and legality of information on my credit report related to the reporting activities of XXXX XXXX. I have issued XXXX XXXX more than three notices of obligation reassignment, more than three notices of an opt-out under 15 U.S. Code 6802, and multiple cease and desist requests as allowed by the Fair Credit Reporting Act ( FCRA ). 

**Account Information : ** XXXX XXXX ACCOUNT NUMBER:XXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX **Violations : ** 1. **Notice of Obligation Reassignment : ** I have issued XXXX XXXX more than three notices of obligation reassignment in accordance with the card agreement, signaling a transfer of responsibility. Failure to acknowledge and comply with this notice constitutes a violation of my rights under the FCRA. 

2. **Opt-Out Notices : ** I have provided XXXX XXXX with more than three notices of opt-out under 15 U.S. Code 6802, covering both written and unwritten, verbal and non-verbal authorizations. The repeated issuance of these notices should have resulted in a cessation of reporting my nonpublic personal information. Continued reporting in violation of these notices is a clear infringement of my rights. 

3. **Cease and Desist Notices : ** I have issued XXXX XXXX multiple notices to cease and desist, indicating my explicit directive to stop any activities that violate my rights under the FCRA XXXX Failure to comply with these cease and desist notices is a willful noncompliance and subject to civil liability under 15 U.S. Code 1681n.

**Legal Basis : ** These disputes are grounded in the FCRA , specifically under 15 U.S. Code 6801 and 15 U.S. Code 1681n. XXXX XXXX has willfully failed to comply with my repeated notices and has not respected its obligation to protect the security and confidentiality of my nonpublic personal information. 

**Requested Actions : ** I am formally requesting the immediate removal of the reported accounts from XXXX XXXX on my credit report due to the sustained and unreasonable damages resulting from their continued reporting activities in violation of my rights. 

**Remedies Requested : ** I request the following remedies : 1. Complete removal of the reported accounts from XXXX XXXX on my credit report. 
2. Compensation for damages sustained, as authorized by 15 U.S. Code 1681n, including actual damages, punitive damages, and reasonable attorneys fees.

Your prompt attention to this matter is crucial. Please conduct a thorough investigation into these disputes and provide a written response within the legally mandated timeframe. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-12-15
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

Hello, Writing a synopsis to request CFPB step in and protect a consumer from wrong doing by Citibank. I opened 3 new accounts at Citibank as a new customer. There was a 1Q 2021 Citi Personal Wealth Management Promotion of {$500.00} that I qualified for as a new customer. I have confirmed with Citibank that I met all the requirements and also confirmed on my own research and documentation provided at the time of the account opening that I met the criteria. In no less than 8 times calling Citibank to resolve this issue, I have received multiple misrepresentations of what the issue is and have opened cases ( XXXX and another one still open ) to have " back office '' people try to resolve. I have response letters mailed to me that provide a generic denial with no meaningful support of why it can not be resolved per the advertised promotion. 
Best Regards, XXXX
Consumer complaint received 2019-01-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: F&M Capital LLC (TX)

I received a call from F & M Capital in XX/XX/XXXX stating that they were attempting to collect debt from unpaid student loans from XXXX University. I let them know that was inaccurate because my student loans are in deferment through XXXX XXXX because they are under investigation by XXXX to be forgiven since I submitted proof that XXXX University was mishandling my student loan money. To this day they are still in deferment and I am in good standing with XXXX. They did not let me explain this in detail because their paralegal was screaming at me and telling me they didn't care what XXXX did or said that I still owed them money. I told them I was not going to pay anything to them when I know I am in good standing with XXXX who manages the loans. They stated they were going to sue me and take legal action against me. I hung up because they continue to harrass me and scream at me to the point where I could not speak. Today XX/XX/XXXX I received a call again and they stated they were looking for a XXXX XXXX and calling about a XXXX account and they were with F & M Capital. I told them I didn't know who F & M Capital was because it has been a few months since they called and at the moment I didn't recollect the name. He repeated my information, but did not mention what debt they were trying to collect. Not to mention this person did not mention his name and called me from an Unknown number. So I told him again sir I don't know who F & M Capital is and I need more information before I give any information or can help you. He said I can transfer you to our paralegal. I said no if you can't give me any information I don't need to be transferred to anyone from an unknown number. His response was WOW we have in our system that you were difficult last time we spoke to you and from this conversation I can see you difficult to work with and from there he began to scream at me and I had to pull my phone away from my ear. I told him sir you're an attorney and he continue to scream. So I had to speak over him with my phone away from my ear and tell him if you are an attorney as you claim you should know that no one is going to give someone from an unknown number any confidential personal information. He continued to scream over me, I repeated myself again and hung up. He immediately called me again and it was an unknown number again and rejected the call. I tried to go on their website XXXX XXXX XXXX and they do not have an email that I can send them a cease and desist letter to leave me alone. The XXXX account with my ex husband has been closed since our divorce as it was part of our divorce decree and XXXX  has told me that I am in good standing and my loans are being investigated and are deferred until a decision has been reached. I don't have proof because they are calling me from unknown numbers and don't have email address to be able to respond with trackable information.
Consumer complaint received 2021-12-15
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. (CA)

On XX/XX/XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and then I submitted a complaint to the CFPB on XXXX/XXXXXXXX. I called and gave them my authorization on XX/XX/XXXX and they said they didn't receive my CFPB complaint. I feel like I'm being taken advantage of because it has been well over 90 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 120 days days, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I submitted a certified dispute letter to Equifax Credit Bureau, XXXX  and XXXX. The letters were confirmed received on the following dates to XXXX  on XX/XX/2021, XXXX  on XX/XX/2021 and Equifax on XX/XX/2021. I received an email as well as a letter that my dispute has been resolved in regards to bankruptcy on my report and has been verified as accurate via XXXX XXXX. I contacted the bankruptcy court via certified letter that they received on XX/XX/2021 and they stated via a response letter that they do not verify any information with XXXX parties. With that being the case there is no way that this could have been verified and I would like to have it removed.
Consumer complaint received 2021-08-26
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. (OK)

I filed a dispute with Transunion and provided documentation directly from my student loan service that stated my loan was incorrectly reported as late while in deferment and is currently deferred until XXXX. Transunion investigated the dispute and will not update my credit or remove the late payment report. One dispute was completed XX/XX/XXXX and the second dispute was completed XX/XX/XXXX. I have filed a third report today XX/XX/XXXX. This late report has damaged my credit score severely at a time that I am purchasing a home and it is wrong that Transunion will not remove it and restore my score when the lender has written a letter.
Consumer complaint received 2021-12-15
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: Experian Information Solutions Inc. (NC)

Mission Lane is reporting on all of my credit reports that I have a charged off account with them. I have never had any accounts, credit cards, etc. with Mission Lane. I've disputed this with all XXXX credit bureaus and keep getting a response that says this information " has been verified '' and if I don't agree with this decision, I would need to contact Mission Lane myself. So I did, and told them they need to stop reporting this erroneous account on all XXXX credit reports. They ( Mission Lane ) have failed to respond to my request and the erroneous accounts are still showing up on all XXXX credit reports.
Consumer complaint received 2021-12-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this complaint to inform you of TransUnion willful noncompliance with the Fair Credit Reporting Act, TransUnion continues to report inaccurate, incomplete payment history information on my consumer report. I have sent multiple Dispute letters on XX/XX/21 and again another dispute letter on XX/XX/21. To this day the consumer reporting agency willfully refuses to Delete the inaccurate, incomplete information which is preventing me from obtaining credit, furthermore the consumer reporting agency is Violating my consumer rights along with Defamation of Character because a consumer report is my reputation. TransUnion continues to be in Violation of the Fair Credit Reporting Act by continuing to report misleading information on my consumer file. Under 15 USC 1681e ( b ) the Law clearly states a consumer reporting agency shall follow reasonable procedures to assure XXXX possible accuracy, yet this agency has failed to do so. In addition I have attached documents that outline the Multiple FCRA Violations on my consumer report. Lastly I am demanding these accounts to be Deleted immediately or I may file for litigation due to the agency willful noncompliance, negligence and the harm it has cause my consumer file along with the XXXX it has cause by having these inaccurate, incomplete items on my consumer report. Im hopeful the CFPB can help assist to resolve this matter promptly
Consumer complaint received 2021-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/21 I sent a copy of my FTC report because I have been a victim of identity theft. My information got in the wrong hands being that my data was compromised in the XXXX XXXX XXXX. I feel like I'm being taken advantage of because my disputes are being ignored and the fraudulent accounts and inquires are still being reported on my credit report. This is ruining my changes with getting approved for a XXXX loan. The law states that fraudulent information should be blocked within 4 days of the dispute and it still shows. It has been about 60 days and Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand that these accounts be deleted immediately or I will file for litigation because of the XXXX  you have caused from blatantly violating my consumer rights. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Re : XXXX XXXX XXXX XXXX account XXXX listed incorrectly on Credit Reports : XX/XX/XXXX Experian Report Number XXXX, XXXX XXXX XXXX XXXX account number XXXX, XX/XX/XXXX XXXX report XXXX, XXXX XXXXXXXX XXXX XXXX account number XXXX, XX/XX/XXXX XXXX Report Number XXXX, XXXX XXXXXXXX XXXX XXXX account number XXXX. My name is XXXX XXXX, XXXX, and I am a XXXX XXXX service connected XXXX veteran. I had to declare bankruptcy two ( 2 ) years ago, which was finalized on XX/XX/XXXX. My bankruptcy was filed on XX/XX/XXXX, but I did NOT discharge my XXXX XXXX XXXX XXXX car loan and I continue to pay the loan as initially agreed with the original lien agreement. I have never been late. I contacted the XXXX XXXX by phone and letter several times but this loan still shows up on my Credit Reports as being discharged in the bankruptcy and a XXXX balance, which it was not. I spoke to the XXXX XXXX and forwarded letters and legal documents explaining I wanted to continue to pay the loan as agreed. For Instance, on the Bankruptcy official form 108, I clearly check Retain the property and ( explain ) : and then wrote continue to pay the existing loan. And for Did you claim the property as exempt on Schedule C? I checked YES. Discharged in bankruptcy with XXXX balance, this is incorrect! For XXXX XXXX XXXX account number XXXX, the Credit Reports should read reaffirmed, open, never been late and paid as agreed, or similar language. Because this XXXX XXXX bankruptcy debt is covered by a valid reaffirmation agreement and was NOT discharged.
Consumer complaint received 2022-03-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

I have a debt from XXXX XXXX  that was place with Portfolio Recovery Associates. In XX/XX/2017, XXXX XXXX  reversed several charges on my account before Portfolio Recovery Associates to possession of the account. XXXX XXXX  only showed a charge off of {$490.00}. XXXX XXXX  reversed a total of {$240.00} in charges. In XXXX of 2017, PRA filed a claim in my XXXX XXXX XXXX for {$490.00}. During the course of my XXXX XXXX XXXX, the trustee paid a total of {$130.00}. This left a balance of {$350.00} when my case was dismissed. 
Portfolio Recovery Associates is claiming that the balance is {$600.00}. I have contacted Portfolio Recovery Associates and spoke with multiple representatives who told me I was wrong. I even emailed them a copy of the claim they filed in my XXXX XXXX XXXX, which included the attached FINAL statement from XXXX XXXX. They have the debt listed with all three credit reporting agencies as {$600.00} and refuse to correct it.
Consumer complaint received 2021-08-26
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: WELLS FARGO & COMPANY (NY)

I have these items that does not belong to me and i want them to be removed. 


1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft WF BANK NA Account Number : XXXX This is not mine. 

7. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-12-15
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: Experian Information Solutions Inc. (CA)

On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and then I submitted a complaint to the CFPB on XX/XX/21. I called and gave them my authorization on XX/XX/21 and they said they didn't receive my CFPB complaint. I feel like I'm being taken advantage of because it has been well over 90 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 120 days days, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX XXXX XXXX and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.
Consumer complaint received 2021-12-15
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Last XXXX XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. XXXX MXXXX  XXXX, XX/XX/XXXX XXXX. XXXX XXXX Bank, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last XXXX : XXXX