davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

XX/XX/XXXX Dear CFPB, To my recent request to Bank of America regarding whether or not Bank of America provides reasonable accommodations to consumers who do not communicate effectively via telephone including teletype I received a rather disturbing response. 

I will let the public and the government agencies to judge Bank of Americas interpretation of the Americans with XXXX Act. My concern is about the fact that Bank of Americas response ( see the enclosed letter ) contains absolutely false information. 

Bank of America in the attached letter lists multiple ways that customers with non-typical abilities can communicate with Bank of Americas representatives. I have not verified if all the options listed by Bank of America in its letter are available to the consumers, but the one I had verified is not available. Specifically, in the enclosed letter ( which by the way I had received in XXXX of XXXX despite the fact that the date on the letter in XX/XX/XXXX ) Bank of America states the following : We offer accessible options for facilitating communications such as : XXXX ... > Providing the option to email us through the secure Message Center within Online Banking. 

The fact is that Bank of America does NOT provide an option for consumers to email Bank of America through the secure Message Center. This option was removed by Bank of America from its Online Banking website several years ago and it is no longer available to the consumers. 

Considering that Bank of America provided incorrect or even plainly false information about one method of communication that non-typical minority customers can use, I doubt that the other methods listed in the Bank of America letter are available to the consumers.
Consumer complaint received 2022-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent my letter off on XX/XX/2022 to " Investigate every piece of information '' on the accounts I have listed below. Also I have attached the CFPB complaint I sent out and here is the Tracking # XXXX According to the FRCA " The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts still not reporting 100 % Accurate. And According to the FRCA 15 USC 1681 Everything has to be 100 % Accurate. Also I have my credit report showing these inaccuracies. 

List of Accounts : Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX If you look at All my credit report from TransUnion, XXXX, and XXXX The " XXXX XXXX XXXX is reporting Account type : Open on TransUnion and XXXX but on XXXX it shows " Debt Buyer '' on there so how is this 100 % accurate? 

Look at " XXXX XXXX  XXXX '' as another evidence of inaccuracies. It shows " Balance updated XX/XX/2022 '' on Transunion but On XXXX it shows " Balance updated XX/XX/2022 '' also " Terms 1 Month '' and " Past Due Balance {$2200.00} ''. Which is NOT REPORTED on my TransUnion report. So How is this Verified? 

Also Look at XXXX XXXX XXXX More inaccuracies it shows On TransUnion Account # XXXX, On XXXX Account # XXXX. THIS IS A BIG INNACURACY FROM MY PROOF AND EVIDENCE Shown this a Violation of my FRCA USC 1681 ( e ).
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account from my credit report : XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$750.00}
Consumer complaint received 2022-07-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account from my credit report : XXXX ( Original Creditor : FLORIDA XXXX ) XXXX Balance : {$750.00}
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN, I NOTICE THAT THERE WAS INCORRECT INFORMATION ON MY CONSUMER REPORT PERSONAL INFORMATION. I HAVE ATTACHED A LETTER FOR THE THIS TO BE RESOLVED IMMEDIATELY WITHIN A CALENDAR DAY. INCORRECT DATE OF BIRTH, ADDRESSES, PHONE NUMBERS. 

THE CORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CELL : XXXX DOB :XX/XX/XXXX
Consumer complaint received 2017-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have contact the companies by certify mail reporting derogatory information, I refuse this account to be mine and report them as fraudulent, Some creditor/ collections agencies, promise close accounts and update to all major credit bureaus withing 90 days but of these was follow,
Consumer complaint received 2019-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

I opened Wells Fargo Everyday Checking account on XXXX XX/XX/2019. The account was having the promotion ( attached ) that within 120 days : 1. If i had a cumulative direct deposit of {$3000.00} then i will get {$400.00} cash back reward. 
2. Open with {$25.00} balance 3. Open account online.

For last 3 months I got {$1000.00} direct deposit. When i inquired about {$400.00} cash back reward, Wells Fargo is giving me hard time and coming up with new excuses for not giving me {$400.00} cash back bonus.

I reached out to them via secure email ( attached ) It seems even after scam of fake account opening, some way or the other Wells Fargo want us to open the account.
Consumer complaint received 2021-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hi XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2017-06-01
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: BBVA FINANCIAL CORPORATION (TX)

I am writing to dispute the following information in my file. I recently received a copy of my credit reports. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  C. Employment D. Court Ord er The following credit inquiries are related to none of the aforementioned permissible COMPASS BANK  XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank  COMPASS  BANK  XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank COMPASS BANK  XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank
Consumer complaint received 2022-07-01
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. (PA)

Greetings, my name XXXX XXXX and I am reaching out to delete this item from my credit report. I am a victim of identity theft and did not authorize this item on my report. I reported the theft of my identity to the Federal Trade Commission and enclosed a copy of the affidavit. Please delete this item as soon as possible. 


Account Name : US DEPT OF ED Date Opened : XX/XX/2015 Type of Account : Education Loan Account Number : XXXX
Consumer complaint received 2021-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2023-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I have a business account in JP Morgan chase. The bank account # is XXXX. 
On XX/XX/XXXX I made a deposit of a check in the amount of {$25000.00}. The deposit was made through a cellular application. Chase accepted the deposit and wrote a remark that the check will be cleared by XX/XX/XXXX. 
On XX/XX/XXXX the check was cleared and the amount of {$25000.00} was added to the account balance. 
On XX/XX/XXXX I received an email from Chase Integrated Payment that the account is permanently closed because the account is susceptible to a high chargeback. I called the Chase Customer Service department. Their response was : " It was hard for us to read the the name of the issuer of the check, therefore we decided to close the account ''. 

My complaints are : 1. Chase never contacted me to tell me that there is a problem with the check. They completed the process, cleared the check and suddenly closed the account without giving me a advanced notice. 
2. Chase keeps the {$25000.00} and will not return it until I show up in a chase branch with the original check. Since I am on a business trip, I will not be able to come to a Chase branch until the end of XXXX. I am not even sure that I will be able to find the original check. 
3. Chase made the deposit and gave enough time the check to clear. They didn't try to contact me either by phone, nor by email or a letter. 
4. Chase closed my business account without a warning. Now suddenly, I do not have an account to continue running my business.
Consumer complaint received 2017-06-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

They called using my correct name. But the debt they called about was a very old one. The Statute of limitations has long passed. Also, the amount owed they spoke of, is way off! By more than {$12000.00}! I called the Attorney General and the FTC. I was told, " THIS IS A SCAM. ''
Consumer complaint received 2017-06-01
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: CORELOGIC INC (TX)

While reviewing a recent copy of my [   XXXX    ]  credit report I noticed a credit inquiry by your company that I do not recall authorizing.   I understand that you are allowed to put inquiries on my file, but only if I have given my authorization.   Please have this inquiry removed from my credit file as soon as possible. I have sent this letter certified mail because I need your prompt response to this issue.   I would greatly appreciate receiving a written response that you have had the unauthorized inquiry removed.   If you find that I am mistaken, then please send me proof of my authorization.     Thanks in advance,  XXXX   XXXX   XXXX
Consumer complaint received 2021-06-14
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. (MI)

XXXX XXXX XXXX XXXX enter into a consumer credit transaction with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines finance charge as the sum of all charges in a consumer credit transaction. The finance charge does include cash, but XXXX XXXX XXXX XXXX took cash, The finance charge is suppose to include Insurance, but XXXX XXXX XXXX XXXX made me purchase insurance separately. 
Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that XXXX XXXXXXXX XXXX XXXX is in violation of 15 USC 1692b ( 2 ). 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692j ( a ). 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692b ( 5 ). 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit B that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692b ( 2 ). 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit B that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692f ( 6 ) ( a ). 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit B that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692d ( 2 ). 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit c that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692b ( 5 ). 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit D that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692f ( 1 ). 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit D that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692k ( a ) ( 1 ). 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit E that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692d ( 1 ). 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit D that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692d ( 1 ). 


According to 15usc 1692 I do not own any debt because I am the consumer and Im not obligated to pay. Im a administrator and agent according to 15 usc 1602 ( o ). The social security card belongs to the social security administration I have to give in back at their request so there for Im just a administrative agent. I do not own it or any debt attached to it 18 usc 8 will provide that information for you I do not own that debt
Consumer complaint received 2022-07-07
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. (CA)

I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-15
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (WA)

Since XX/XX/XXXX, a debt collection company named " Community Loan Servicing LLC '' has been contacting me repeatedly by phone and U.S. Mail. They are attempting to collect on an extinguished debt, which has been resolved years ago, by my XXXX XXXX XXXX XXXX, issued by XXXX XXXX, XXXX, WA, XX/XX/XXXX. 

Even though Community Loan Servicing acknowledges the Court Discharge ( in writing ) they continue to violate the rule of law, my Court Discharge Order, by making repeated attempts to contact, threaten, and harass me. They have repeatedly violated the FRBP, which carries heavy fines.
Consumer complaint received 2023-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (IL)

I have home owners insurance for many years, XXXX XXXX. 

Shellpoint Mortgage has charged me a fee every month, Lender Placed Hazard Disbursement for not having insurance. This has happened since XXXX. I have called them over fifty times. They keep me waiting on the phone for over an hour and then say they will change it but they never do. I also had my insurance company call them many times.