davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a lottery winner, on XX/XX/21 i received my first annuity check and was told by the bank manager that I could not cash the check, but deposit would take 1 business day and that none of the check would be available that day. This check is from the California treasurer for the california lottery. I chose not to deposit it and would take that one to a check cashing place to be able to have the money that day. I received my 2nd annuity check on XX/XX/21 and decided I would deposit this into my account and thought I would get the money the next day. Upon deposit of my check issued to me, into my bank account from the state of California, was told on the receipt that the check " may be returned and there would be a hold until XX/XX/21 '' and non of my money would be available until then. I then contacted bank of america customer svc to advise them that this goes against what i was told by the bank manager that day. I spoke with a rep named XXXX from florida who said typically they will clear the next day and since that would be a weekend day,. it should be available XX/XX/21 and if it was not I could call in and ask for a hold release. She specifically stated to me that they have an internal number they could call to check the validity of the check and release the hold. Which I thought at worst Monday i can ask for my money to be available. I called monday morning and the rep XXXX from georgia said that no such department exists and that she shouldnt have said that and said she could take a complaint. I spoke with a supervisor named XXXX ( no state given ) that no matter what my funds will not be available until XX/XX/21 at XXXX and the reason is they assume the check will be returned. Again, this is a state issued check. I asked how I could get my check back so I can go to another bank, open an account because of the lies that have been spewed to me over the last couple of business days. I was then told that they could cancel my check, inturn a fee would be applied to my account and then I would need to speak with the state to issue me a new check and she said " that would just take longer than just waiting for us to clear the check. '' I feel that I have been lied to and deceived to entrust my money with this bank. I was given no other help as how to ensure that there would be any type of repercussion for either the rep, or manager that gave me misleading information to just get me to deposit my check without telling me of future holds. I have XXXX of these checks coming to me and have received 2. I do not want to deal with this for the next 25 years and will likely close my account after the funds close, but would like to have Bank of america be reprimanded for being dishonest and withholding my funds issued by the state. I have had to wait already for 4 months to get a check, and now i have to wait even longer because of deceit.
Consumer complaint received 2019-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (WA)

Dear CFPB, Around XX/XX/2017 XXXX had called us about our credit card being maxed out and not paid. The problem was we didn't not open a CC with XXXX. After further investigation, we found out that we were a VICTIM OF IDENTITY THEFT, we found out we had cards with 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. 

We called local law enforcement and filed a police report, we put a locking mail box, most of the bills were being sent to our home, then the address was changed across the street, then changed across town to anther XXXX address. We have lived in the same home for several years as we own the home. Local law enforcement knows who did it and have a report on file. 

All of the creditors have gracefully worked with us removed the fraudulent accounts accept XXXX XXXX XXXX, THEY WERE HAVING NOTHING TO DO WITH THE IDENTITY THEFT AND WANTED PAID. They sold the account to a collection agency LNV FUNDING LLC.

Which we have tried to work with, they refused to take the paperwork on the identity theft. They have been rude, and insist we owe a debt, even though it was a fraudulent debt. 

We have had no cooperation from them at all. They even threaten to put me in jail, they have been rude on the phone, refuse to talk to us, work with us and help us resolve the issue do to identity theft. 

We have no other choice to but file a complaint with you, we feel we are being unjustly harassed for this account from them. 

We have attached the compliant against XXXX XXXX XXXX and our credit report.
Consumer complaint received 2019-09-07
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: LEXISNEXIS (OH)

I have filed a complaint before about the fraudulent addresses on my credit report. I do not live at these address and I need them removed they are not accurate : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX. I requested some form a contract we verification on this 3rd party collection account that I have never done business with XXXX   XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$1200.00} I was informed federal law requires that credit bureaus provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law. I don't know how many times I have to keep asking for the proper paperwork I have not received anything and its been longer than 30 days!!
Consumer complaint received 2019-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. Auto Sales Inc. (VA)

Iamavictimofidentitytheftandthisdebtdoesnotbelongtome.Pleaseseetheidentitytheftreportandlegalaffidavitattached.
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : 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 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 2019-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have filed a complaint before about the fraudulent addresses on my credit report. I do not live at these address and I need them removed they are not accurate : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX. 
I requested some form a contract we verification on this 3rd party collection account that I have never done business with XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  {$1200.00} I was informed federal law requires that credit bureaus provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law. I don't know how many times I have to keep asking for the proper paperwork I have not received anything and its been longer than 30 days!!
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CADENCE BANK (AR)

Cadence bank uses XXXX XXXX score. Neither XXXX, XXXX, XXXX, nor XXXX will provide a XXXX  XXXX Score. The bank refuses to give me copy of the XXXX XXXX score saying it is illegal for them to provide me a copy of this report showing this score. Decisions are being made about my access to credit, while simultaneously being denied access to this very information. Most customer service personnel at this bank or at ANY of the credit bureaus DO NOT even know or understand what " XXXX XXXX '' is.
Consumer complaint received 2019-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2800.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2018-11-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NY)

This property is a part of an Estate, the homeowner passed away and with all of the confusion she did not or they could not find a Last Will and Testament. 
They had to go to Surrogate 's Court and they did. the property in question now that has a sale date for XX/XX/2018 @ XXXX XXXX XXXX XXXX , XXXX , New York XXXX never received a Summons or Complaint, Never received a Motion or Judgment or Foreclosure Notice. The only document they received was A Notice of Sale on XX/XX/2018. Caliber has a rule that if you are requesting a Loan Modification it must be submitted 37 days before the sale date? 
They were not even given a Thirty Day Notice before a sale. We are asking for help in this situation. We called Caliber Home Loans to request help they refused. 
They have not served or notified anyone concerning this property until the XXXX of XX/XX/2018. We contacted the attorney representing Caliber /the investor The XXXX XXXX XXXX XXXX XXXXXXXX as Trustee for XXXX XXXX and they have no information except the sale date. of XX/XX/2018.
Consumer complaint received 2019-09-07
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: Experian Information Solutions Inc. (UT)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

CAPITAL ONE BANK USA N is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2800.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2019-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

MyfirstcomplaintisthatExperiankeepspostinganincorrectaddress.Thereisnothingontheircomplaintsitetoaddressthis.TheyhaveacorrectaddressbutincorrectUnitnumber.

MysecondcomplaintisthatExperiankeepsyo-yoingmycreditscorefromXXXX+downtoabout790.Ihaveneverhadalatecharge,havealwayspaidmybillsinfull,haveafairlyminimumusageofcredit,etc.Iamthesameperson,payingthesamebills.Thishasbecomeridiculous.

Additionally,Experianistakingadvantageoftheirbreachand"freecreditmonitoring''toconstantlytryandsellmecreditcardsandotherservices.Itisinappropriateandannoying.
Consumer complaint received 2021-07-14
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: AES/PHEAA (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2023-03-28
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. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX  XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681 I have the right to privacy 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.

According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2019-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX  XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2800.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2024-02-29
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: EQUIFAX, 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 is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2022-03-11
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: EQUIFAX, INC. (CA)

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 Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC (NM)

My husband and moved from XXXX to XXXX. In transit he lost his wallet including his XXXX XXXX debit card. I have an account with XXXX  XXXX XXXX XXXX. He was able to link the accounts using Zelle successfully until i changed my phone number from XXXX XXXX XXXX to XXXX XXXX XXXX. Zelle and its algorhythms could not positively ID me despite me having all correct info. Billing address for my debit card SSN phone number. Customer service and tech support said there is nothing we can do. My husband gets paid this friday XX/XX/XXXX. I am a retired XXXX  mandated reporter by law well aware of the dysfunction in this country. Actions or failure to act have consequences and result in behavior change by me. Please investigate. Digital currency is not safe.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

This account is showing inaccurate terms of 1 month. I demand proof of have any 1 month agreement with this company. The FCRA states that all information must be 100 % if its reported to the CRA and this case there's NO proof nor verification that I myself and this company made a 1 month agreement. Please send PROOF/Verification of this being 100 % accurate.
Consumer complaint received 2021-04-13
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: EQUIFAX, INC. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2019-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I used XXXX to pull all three of my credit reports. I noticed that my credit card was mistakenly marked as closed around XX/XX/XXXX on my reports. 

The credit card is a Visa XXXX XXXX XXXX XXXX XXXX XXXX that was originally issued around XXXX. 

I have been using my card continuously both before XX/XX/XXXX and to the present ( most recently the morning of XX/XX/XXXX ) so I know that the card is not cancelled, and I have been making payments on time.