davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Dear Bank of America I am writing to you again in disbelief that Bank of America would deny its legal status as a consumer reporting agency ( CRA ) under the Fair Credit Reporting Act ( FCRA ). At this point, your contrary claims can only be characterized as a willful disregard for the unambiguous language and decades of case law interpretation of the FCRA. 

Let me reiterate in full detail exactly how Bank of America irrefutably qualifies as a CRA to avoid any possibility of further confusion or misrepresentation on your part : Under 15 U.S.C. 1681a ( f ), a CRA is defined as " any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties. '' It is indisputable that Bank of America furnishes consumer credit data, including payment history and account balance information, to XXXX, XXXX, and XXXX on a regular basis. Furnishing such consumer reports to credit bureaus is considered " engaging ... in the practice of assembling or evaluating consumer credit information ... for the purpose of furnishing consumer reports. '' XXXX v. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 

Further, multiple circuit courts have affirmed that this definition of a CRA includes furnishers of information like XXXX. See, e.g., XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ; XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ( XXXX XXXX. XXXX ). 

To remove all doubt, the Federal Trade Commission 's ( FTC ) official commentary on the FCRA definition of a CRA explicitly states that furnishers of information, such as creditors, landlords, and employers, meet the definition : " they are CRAs and they must comply with all applicable requirements imposed by the FCRA and its implementing regulations. '' 16 CFR Part 600, Appendix. 

The inescapable truth is that by furnishing consumer data to XXXX, XXXX, and XXXX, XXXX XXXX in every sense " regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information... for the purpose of furnishing consumer reports '' and thus qualifies unequivocally as a CRA under 15 U.S.C. 1681a ( f ) with all attendant legal duties. 

To continue denying this legal reality exposes Bank of America to serious liability, including potential FTC enforcement actions and class action lawsuits. I urge you again to acknowledge the facts and remedy your non-compliance without further delay. My detailed outline of the law leaves no room remaining for doubt or excuse. Please advise how you intend to properly address my dispute in accordance with your FCRA obligations as a CRA.
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (VA)

1. XXXX XXXX delivered by USPS informed mail delivery, Chase letter with checking acct. ending XXXX, with Business debit card ending XXXX, Good thru XX/XX/XXXX, with my name printed on " card twice '', which no other banks do this. 
I NEVER OPENED ANY ACCOUNT WITH CHASE NOR DO I HAVE A BUSINESS. 

2. XXXX, & saw article by XXXX XXXX XXXX XXXX XXXX XXXX, " Police Warn Residents about Chase Bank Scam ''. 

3. XX/XX/XXXX XXXX, went to XXXX XXXX XXXX Police Dept . and spoke with Senior Police XXXX XXXX. Justice about what happened, filed report. 
XXXX called Chase Debit card Letter Customer service number XXXX XXXX, spoke to Ris explained NEVER OPENED ANY ACCT. She said the acct. would be closed & I would be sent a packet to fill out & return with police report. 
4. XX/XX/XXXX went to local Chase Bank XXXX XXXX XXXX XXXX VA to make sure this " fraudulent account '' was closed and to see someone in person. Spoke with XXXX XXXX he checked acct online and stated it was closed. We showed him per USPS informed deliver there was another Chase letter from a different address coming to our mailbox. 
Chase letter dated XX/XX/XXXX stated " Important to protect against potential fraud '' we restricted your account ending in XXXX and may close it soon ''. 
I NEVER APPLIED FOR SUCH ACCT. 
XXXX called XXXX to report " fraud '' concerning Chase Bank XXXX to XXXX XXXX XXXX , placed a 1 yr fraud alert with all 3 credit bureaus. 
I checked my credit report and it showed JPMCB-XXXX & JPMCB-XXXX inquiry dates XX/XX/XXXX . 
5. XX/XX/XXXX Another Chase letter, " Action needed : " Please call us about your online account access, We locked your online acct access to protect you '', to call XXXX XXXX ( I DID NOT CALL THIS NUMBER ). 
6. XX/XX/XXXX Packet came dated XX/XX/XXXX from Chase XXXX XXXX XXXX XXXX XXXX " to provide information about your claim ''. To fax or mail info within 10 days. 
Fax XXXX XXXX XXXX. I went to Chase Bank XXXX XXXX XXXX XXXX XXXX and had Bank Manager XXXX XXXX XXXX fax my information from that location. 
8. Today XX/XX/XXXX we received 2nd Packet letter from Chase " to provide information about your claim ''. I decided to file a complaint to CFPB
Consumer complaint received 2021-06-15
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have attempted to get the situation corrected for over a year. Over. A. Year. This will be THE LAST attempt to give Capital One the chance to remove this erroneous account from my credit file, as I am tired of them playing this game with them. I have already secured legal counsel and will using their willingness to continue reporting incorrect and fraudulent information on my credit report as an admission of guilt. They have yet to provide proof in the form of a copy of the original credit application. A STATEMENT IS NOT PROOF!! It is merely record of someone with a name similar to mine, living at an address that I have never lived at, having an account with them. It's no secret as to why they have refused to provide LEGITIMENT PROOF in the form of the credit application because they know it will substantiate my point. I have never ( and will NEVER at this point ) do any business with Capital One or any of their affiliates. I contacted Capital One multiple times between XXXX and XX/XX/XXXX, provided a copy of my ID that showed my date of birth, as well as the ONLY address I have ever lived at. I have even contacted their CEO and never received a response. The date of birth and address that they are reporting are not mine, yet they have refused to remove this account stating based on their records, it is my account. They continue reporting this fraudulent account with incorrect information which is harming my credit before I can even establish any. I contacted the number listed on the letter they provided to the CFPB as their " response '' and was not able to be assisted AT ALL by their reps. I continued to get the same run around and non-answers as I have been getting for the past year. I spoke to a XXXX on XX/XX/XXXX at XXXX XXXX  at the number provided in the letter and explained why I was calling. She was clueless as to what the CFPB was and stated that the case numbers listed in the letter XXXX both Capital One and CFPB ) she was unable to look up. She then asked for my social and date of birth and stated that my date of birth was " not being accepted by the system. '' So ... ... ... .my question is again, HOW DO YOU SAY YOU HAVE VERIFIED AN ACCOUNT TO BELONG TO ME IF YOU DON'T EVEN HAVE MY CORRECT DATE OF BIRTH OR SSN???!!!! I was then transferred to the fraud department and spoke to XXXX ( Associate ID XXXX ) who also was clueless as to assisting me with following up on the letter that was sent from Capital One. No one that I spoke to was able to even pull up an account with my social or date of birth, so how are they " verifying '' this as an accurate account with the credit bureaus??
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc (CA)

Account information with collection agency HUNTER WARFIELD is reporting account as open and amortizing interest penalties as missing monthly payments creating a larger negative monthly balance with missed payments on a closed charged off account from XXXX XXXX AT XXXX XXXX sold to HUNTER WARFIELD as a collection agency. 

I have disputed the information several times to only see that the amount will be changed by a fictitious amount to settle the dispute. Hunter Warfield accounting department laters readjust the account to reflect a missing payment and increase in my collection and continue to impose the amortized interest penalty on the charged off collection and report it as a open account on my credit report. This action is a predatory tactic by the HUNTER WARFIELD to do the greatest damage to my consumer credit report and violates the FDCPA guidelines for 100 % accurate reporting by a debt collector, namely HUNTER WARFIELD. 

The original charged off balance from XXXX XXXX AT XXXX XXXX lender is {$10000.00} as of my earlier credit reports dated XX/XX/XXXX. The account has a balance of {$13000.00} as of XX/XX/XXXX, due to the predatory monthly amortization penalty added on a closed collection account. This account is not a fixed loan or revolving account and has alien judgement and charge off.
Consumer complaint received 2022-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-09-26
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: Experian Information Solutions Inc. (NC)

The items listed below are reporting on my personal credit file and found in my report with Experian credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$5000.00} CHILD SUPPORT ENF AG/N XXXX Balance XXXX {$4900.00}
Consumer complaint received 2022-12-03
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. (LA)

My name XXXX XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-06-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I submitted a complaint for Identity fraud to Experian, and as per Experian 's request here is my authorization. I XXXX XXXX XXXX born XX/XX/1981 ss XXXX Give Experian authorization to proceed with whatever they need to rectify my credit report. I am not a third party, I am one party, a person. thank you
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  XXXX  XXXX, XXXX XXXX XXXX please remove the late payments reported on these accounts. The late payments reported is incorrect. The accounts were paid on time, they were not even being reported to the credit bureaus when I was still paying it. I ask credit bureaus to investigate and they said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error Please remove the error from my credit report ASAP
Consumer complaint received 2024-04-02
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Dovenmuehle Mortgage, Inc. (NC)

I am in the process of closing on a loan assumption. The closing documents that were sent to me and the buyer is incorrect. The balance of the loan as well as fees related to closing is incorrect. I have reached out numerous amount of times in hope of getting this issue resolved so that we can close on the loan. I have requested time and time again to get the closing documents updated and for a Supervisor to call me for almost two weeks now and no one has returned my calls or my emails requesting such. My phone call and email request are not being returned. I was told that the closing disclosure was drafted at the time of the assumption which was 5 months ago and is unnecessary to update due to causing a delay in closing. This is unacceptable. The balance has decrease sufficiently since then the assumption request. Please update the closing document to reflect the current state of the loan..
Consumer complaint received 2022-09-26
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: Experian Information Solutions Inc. (CA)

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX  for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I mailed a check through the US Postal service for a contractor retainer. The mail was stolen and the check was altered. 

A case was filed with Citibank. The first case taken by phone, I was told the case was filed but was never completed. When I called back to follow up, I was told that the operator closed the request. I requested Citibank to pull the recording and that I wanted to log a complain with the office of the president. Citibank did not follow up. 

A second fraud case was filed. I completed an affidavit of fraud by mail and sent an electronic copy of the check from online banking. The check To field shows a different handwriting. 

I received a letter in the mail from Citibank saying my claim was denied and I would need to provide the original check as proof. I have requested Citibank to retrieve the original check from the depositor with no response. 

I do not feel Citibank is acting in my best interest to resolved this issue both mail fraud and check fraud. 

The check amount is for {XXXX}
Consumer complaint received 2021-08-23
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. (AL)

I have been disputing a bankruptcy showing on my report for years. XXXX  and Experian refuse to investigate and provide verification on who they spoke with to obtain the information used to verify this bankruptcy as belonging to me. I have mailed XXXX  and Experian documents relating to the bankruptcy, proving that the bankruptcy should not be shown on my credit profile. They refuse to remove it resulting in my credit profile suffering tremendously. XXXX  and Experian also refuse to remove inquiries on my profile that were not authorized.
Consumer complaint received 2021-06-15
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. (CA)

I have found an account named XXXX XXXX on my credit reports that is a cause of IDentity Theft, I have supplied an Affidavit with exhibits explaining how this account violates my federal rights. You will also find an FTC report for the account. XXXX XXXX and Equifax are in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) 15 USC 1681a ( B ).

15 USC 1681b ( a ) ( 2 ) 15 USC 1681c-2 ( c ) ( 1 ) 15 USC 1681o ( a )
Consumer complaint received 2021-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (MD)

I have been dwelling abroad for a business most of my life since the year 2010. 
Suddenly I have a collection letter from the company named " Convergent. '' And I have been trying to contacting the number of the creditor XXXX  they provided, and whenever I successfully got contacted, all of them could not find any debt in my name.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (MA)

I have sent THREE letters now to TD Bank regarding an accout they are reporting on my credit report and they have sent me a letter back saying they can not continue with an investigation because I have have not provided my account number, name, address, and last 4 of social. This is NONSENSE I included all this information clearly in the attached THREE letters. This company has failed to properly preform an investigation as required by FACTA 312. I am demanding that this item be deleted immediately. Please see attached letters.
Consumer complaint received 2021-06-15
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. (CA)

I have found an account named XXXX XXXX on my credit reports that is a cause of IDentity Theft, I have supplied an Affidavit with exhibits explaining how this account violates my federal rights. You will also find an FTC report for the account. XXXX Transunion and XXXX are in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) 15 USC 1681a ( B ).

15 USC 1681b ( a ) ( 2 ) 15 USC 1681c-2 ( c ) ( 1 ) 15 USC 1681o ( a )
Consumer complaint received 2019-08-02
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: JPMORGAN CHASE & CO. (NC)

In XX/XX/2019, a computer was purchased from amazon. The item was defective and returned 12 days after in XX/XX/2019 via XXXX with tracking number XXXX. The item was initially refunded and all was well. XX/XX/2019, the credit card was charged again for this item and that is when everything went downhill with chase. Someone had opened a dispute with them and they stated we had to submit tracking information for the return of this item. When there was no response they closed it in favor of the seller. We had no idea that there was even a dispute. The letter received was online and because we did not know there was a dispute, because neither of us recall contacting chase, we did not look at the online letters. If that was the case, we would have promptly provided the documentation needed to be refunded. After talking with amazon and chase for over a month because somehow, a dispute was reopened. Tracking information was provided again and on XX/XX/XXXX, we received another letter from chase stating the charge was valid. After speaking with XXXX with chase disputes in XXXX XXXX Texas, he stated that the charge was valid and deemed valid because the tracking information was not provided in the initial time frame on the initial dispute. Basically, after reopening the the dispute, the tracking information provided on the second time disputed was not looked at and that the only way that we can dispute this again is to write a written letter disputing it and why we are disputing it. This is for over 1000 dollars and tracking information as well as documentation from amazon and the seller provides proof that the charge is not valid. We were not asked to provide any other information this time other than tracking so if the tracking was not going to be enough, I should have been told this one of the 23 times I called about this dispute. This is an illegal practice and there is no legal way that this charge is even valid. Their process for determining that this is a legal charge is not right and should be corrected along with all the time and money Ive spent disputing this charge. The seller stated that the item was returned and that they refunded a smaller portion due to signs of use and the item was working which is not fair either because the item did not work. Regardless I dont have the item!