davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

on XX/XX/XXXX i was contacted by a person who today i found out is a scammer and i am one of his her victims. They contacted me because they saw my resume on XXXX and wanted to offer me a part time job doing XXXX XXXX XXXX. The assistance they asked me to do first to cash acheck they were sending me so i can buy stuff for a childrens home that they donate to I said okay thats terrific i get this opportunity! i have a XXXX so my heart was in good intentions. then i got the check and she siad to cash it and then theyll send me the list of what to buy. I went to my bank becuase i figured if the check was didnt have funds that they wouldnt cash it. However now after the fact of me being scammed i find out that the banks cash the check without knowing if the check has sufficient funds and if it returned they would just deduct it from my account. VERY UNFORTUNATE as a cosummer that this info is not giving prior to cashing the check. I cashed the check friday and scammer told me to deposit the cash to a XXXX XXXX account and they sent me the account info ( attached you will see the account number and all communication i had with scammer ) so i did and took a picture of the receipt and told them that the money was deposited. Wednesday my account is $ XXXX XXXX!!!! i immideately contacted the scammer and no answer at all and i texted them i was going to file a report and they replied back saying they will take care of it thursday. and i with still hope this was a nightmare i waited but nothing. so i called bank of america and told them of the insident and all they did was write it down and did not give me a case # and have not contacted me as of today friday XXXX XXXX. i called XXXX XXXX and they had me on hold for hours and i have not been able to get any response i have no funds to even eat! please help me!!
Consumer complaint received 2022-07-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received a call claiming be from bank saying I was eligible for a {$8000.00} loan if I wanted to increase my credit score I thought it was legit sighn loan then they told me I was XXXX point short of the loan and if if wanted boost my credit business bureaus would deposit {$900.00} into my bank America account I would have to send it back via XXXX XXXX XXXX I did that bank called me and said one more step bank would deposit funds into my account I would have to return it via gift card I have loan of {$7000.00} in my account within XXXX min of complete my verification I also gave them my bank info I thought they was legit bank bank America notified me suspicious activity I call them lady said your victim of bank loan scam you are bank from use our services before could say anything else she hung up on me everybody from bank America employees all hanging up on me which make me think there apart of it I think it wrong for bank America ban me punish me when basically Im victim of being scammed I have all documents that took place of scam bank America dont want see it told me not go police report I did anyways Ive been with bank America approx 20 years this is how they treat customers I feel this is so wrong for them to do to me
Consumer complaint received 2022-06-15
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. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX and 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 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

Account balances with XXXX were reduced to XXXX due to the government and the class action on schools who defrauded customers. They have partially removed some of the balances however they still are showing XXXX accounts with balances that should be XXXX. I have attempted to contact them multiple times to only get a run around. I have also prior to the Load discharge, had filed bankruptcy which the loans were listed, they also refused to acknowledge this.
Consumer complaint received 2020-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

XX/XX/2020. 

I contacted the Capital One customer care service and i felt that way fraud specialist can not help with me over the phone because they need identification from me and need me submit social security card, driver license, and proof of address to Capital One and process the case with business 7-14 days to investigative the case third time I submitted. I felt like I had been discrimination experience with customer customer and been violated my rights third time. When I made contact through a video relay service and they thought it was theft identification and flagged it to fraud department. I understand they concern about security. It was me, XXXX XXXX. I am deaf and using a interpreter to communicate with them. they had communication barrier on it. The Capital One seems not follow the America Disability Acts Law procedure. The customer care service representative threaten me and violated my rights. They said do you want to close this account. I was feel inappropriate way they treat me wrong. I been loyalist customer to Capital One for over 16 years. this card is my favorite, I don't want to close this account. I does not understand why they does not accept to help me through a relay service on the phone.
Consumer complaint received 2016-03-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MI)

Equifax has n't sent my free credit report for the last two years & I know I did things right to get it when I called annualcreditreport.com. Someone from that company 's been lying about it the first time on XXXX to me & I have n't got a response about the XXXX one. I 've also informed the FTC & FBI about it on XXXX.
Consumer complaint received 2023-03-27
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, there was already a person trying to replace my debit card in the XXXX XXXX Chase bank and it cost {$5.00} on my card for the express delivery fee, but this action was unsuccessful. On XX/XX/XXXX, someone deposited a fake check with an amount of {$2300.00} and transferred {$1500.00} from my daughters account to my account. Then, this person went to the bank with my ID and withdrew {$3000.00} right away. The signature on the withdrawal slip was different from my signature. The Chase bank employee didnt double check the signature on the withdrawal slip with my signature and gave the money to the unknown person. Before this event happened I already warned the Chase bank and told them to make a note about if anyone wants to withdraw money, must show both my green card and ID. Its the banks employees issue that they didnt check my notes on my account. At the moment we found out our money was gone, we had contact the bank directly. But they didnt ask for anything just tell us to wait for the investigation results. Suddenly, the chase bank ask us to had the police report in order to continue on the investigation. After a long process, we fax the police report in one of the Chase bank, then they just tell us to wait. We tried to call in every few weeks and the answer they gave us was our case already close and it wont be reopened again because we didnt provide the police report within 60 days. This is unfair and irresponsible because none of the employees had mentioned this in the pass before and all the time when we called in they always gave us a perfunctory response.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

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 XXXX  Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-03-27
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/20XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-06-18
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act 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 XXXXXXXX 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 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the EXPERIAN and XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 


XXXX XXXX  XXXX Balance Owed : {$700.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$770.00} ; XXXX XXXX Balance Owed : {$17000.00}.
Consumer complaint received 2023-03-27
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)

This complaint will be my follow-up to make sure that these items that are reported to my credit file are removed : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1800.00} Make sure that the aforementioned items are removed from my file
Consumer complaint received 2022-06-15
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 have this Amex XXXX XXXX XXXX with Amex. I enrolled their new benefits called entertainment credits and paid my XXXX  streaming service with it. I contacted Amex and confirmed that my purchase in XXXX is qualified and would receive the promised credits soon. As of XX/XX/XXXX, there were two missing credits ( {$5.00} each ) so I opened a case with them ( reference number XXXX ). As of XX/XX/XXXX, I received one of the two missing credits but Amex refused to pay the second missing credit. 
I request them to investigate my XXXX purchase with XXXX but there is no response so far.
Consumer complaint received 2022-06-15
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. (LA)

In accordance to the Fair Credit Reporting Act XXXX  account numbers has volated my rights : XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2016-07-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (MD)

My servicer was XXXX, I submitted an application and went through the process. My file was sent to the Underwriting Department on XX/XX/XXXX and I was expecting a decision by XX/XX/XXXX. There was a service transfer and my loan was transferred to Seterus on XX/XX/XXXX but I was not advised by XXXX until after XX/XX/XXXX when I spoke to one of the Supervisors in their Loss Mitigation Department. Seterus is now requesting for me to re-apply all over again to start the process again. It is absurd that I have to do that since I started the modification request on XX/XX/XXXX. Because of the handling of my loan and modification request I have now wasted 2 months.
Consumer complaint received 2022-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MA)

Hello DSNB MACYS ; 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 2022-06-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (AZ)

On XX/XX/XXXX, I entered into an agreement with Synchrony Bank to Settle Account with 2 exact payments, as follows : {$700.00} to be paid XX/XX/XXXX and {$700.00} to be paid XX/XX/XXXX. 
On XX/XX/XXXX, and after payment 1, I called this number XXXX and XXXX confirmed settlement was in progress, and final payment of {$700.00} was finalizing. 

Both payments were executed successfully and paid ( proof attached ). 

Synchrony did not update my account correctly. They show the XX/XX/XXXX payment ( final payment needed ) of {$700.00}, but FAILED to update my account to show {$0.00} and settled. 

Need immediate update to credit report to show this is a {$0.00} balance account now. 

I fulfilled my obligation per the XX/XX/XXXX agreement.
Consumer complaint received 2020-06-05
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. (AR)

My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report.