davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (MO)

I am a XXXX XXXX with XXXX a credit or company called checkr does a background report for XXXX. 
XXXX locked my account on XXXX due to a report with this company. 
I was sent emails from XXXX to contact this company. 
I can not call XXXX support because they locked the number on my account stating they can not resolve issue over the phone. 
I emailed Checkr and nothing. 
I currently can not work or drive with XXXX due to this situation. 
The Checkr company does not contact me and I have no way of communication with them but emails. 
I have been out of work for more than 30 days and I can not get unemployment. 
I have been hurt by this money wise and seek compensation.
Consumer complaint received 2017-10-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc. (OR)

I was called on XX/XX/XXXX from XXXX XXXX XXXX, a person claiming to be in the legal dept named XXXX XXXX. XXXX stated I owed a debt to XXXX XXXX for a credit card I opened in XX/XX/XXXX, and if I did n't pay it they would sue me for wage garnishment or put a lien on my house. She stated they mailed a settlement letter to my home, which I did not receive, I confirmed they have the right mailing address. She stated the debt first became past due in XX/XX/XXXX. I told her the statue of limitation is up and that I do not believe I owed this debt. She stated that she would send it to an attorney in my county and they would sue me the debt. When I told her I would wait to speak with my attorney, she began yelling that I owe on many credit cards and that they are all at their limit and I was going to pay the debt whether I agreed with it or now. She then hung up on me. I called back to try and reach her and ended up speaking to a woman named XXXX who rudely asked me what I wanted when I asked to speak with XXXX in the legal dept. I stated we were speaking when XXXX hung up on me and I just wanted to know why they were trying to collect on a debt that was almost 10 years old. XXXX said they acquired the debt in a federally regulated sale back before the statue of limitation was expired, and recent XXXX had done an audit and requested that ARA pursue this debt again. XXXX stated that because the debt was bought before the statue of limitations was up, they had the right to keep collecting on the debt until it was paid or they decided to sue me.
Consumer complaint received 2020-06-03
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. (OK)

**Dear governor, My name is " XXXX XXXX XXXX. I am reporting some error information that exist in my credit report. I notice that the employment information and some of addresses that not belong to me and our association. These error information have a really high risk to intervene our business in a way to rebuilding everything again after the Covid-19 Dynamic. Here are employment information and addresses that need to be removed off my credit report***** -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - **EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX REPORTED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX
Consumer complaint received 2021-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (VA)

ATTENTION DISPUTE DEPARTMENT LAW OFFICES XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
Consumer complaint received 2020-11-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/2020 my Bank of America XXXX checking account was closed out of no where for no reason no explanation with a account balance over XXXX dollars I was told I'd have my balance mailed to me in the form of a cashiers check by the end of XXXX I employed 4 employees and during the pandemic they all applied for there unemployment benefits since they didn't have bank accounts they asked if they can have it deposited into my account and pay them cash which I agreed to do so on the day of the deposit I tried to with draw there money to pay them but was told there was a limit of XXXX I can withdraw that day so I proceeded with the transaction then later that day I find out that they closed my account abruptly no warning nothing and this caused problems between me and my employees they was thinking I was trying to keep the money for myself so I had to pay them from my personal savings after being told that they would mail me a check then I was instructed to bring my employees to the branch to speak with the manager which I done so on XX/XX/2020 after the conversation the manager said I everything looks good and that I will receive the check in 2 weeks after 6 weeks and still not receiving the funds I called the unemployment office to verify if the funds was reversed or returned to them and was told no it has not been returned then I proceeded to call the bank which they said they returned the funds even though I told them that no the funds was not returned and with this ordeal I lost {$11000.00} paying my employees and now being told the funds will be returned this bank is the biggest fraud I will never in my life deal with a single thing associated with bank of america I will not quit pursuing them until I am payed back all the money owed to me
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DigniFi (TX)

You have committed a Trespass by way of Material Misrepresentation, Fraud, Negligence, and Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and, Texas Business and Commerce Code Sec. 521.051. You are a financial institution, and data furnisher who shared, disclosed, and transferred, my nonpublic personal information, personal identifying information, and identifying information to a nonaffilliated third party, and consumer reporting agency without my consent pursuant to 15 USC 6801, Texas Business and Commerce Code Sec. 521.002, and Texas Penal Code Sec. 32.51. You did not legally obtain consent to sale, transfer, or disclose any account information, or nonpublic personal information with any other third party, or nonaffilliated third party as regulated by 15 USC 6802 of the XXXX XXXX, GLBA. Additionally, you failed to provide me with FULL disclosure regarding your intent to do so. Failure to provide FULL disclosure of material information is an unfair method of competition, and unfair and deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Company continues to threaten me and this account has been reported inaccurately. This account has never been on credit report and my information was passed by company to company multiple times without my consent. I want this removed from all three credit bureaus immediately and for them to stop harassing me. I lost my job due to covid layoffs and have lost family members and this continues to add stress.
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Hi I am in great need of help. 

My name is XXXX XXXX and I went through a year long audit last year that resulted in my XXXX tax return going to a now closed bank account at Bank of America. 

My return was for {$11000.00}. The money was deposited on XX/XX/XXXX and my account was closed on XXXX XXXX. 

My emergency economic payment of {$5400.00} was also deposited into this account. 

Now, the difference is I was not expecting my return so I never called to see if it went to this account. I was expecting my stimulus and was curious so I called my closed account and could hear the deposit was indeed successful and was gone the next day. 

Mind you the IRS only had that account info so everything as far as numbers had to be correct because I could hear my money. 

Since that day I have been desperately calling BOA to track the return of those items. They have diligently denied the receipt of them and have maintained they sent them back to the Irs. 

It has been about 28 days and the IRS has let me know they have not received the money and will not reissue me anything until they do. 

I have read online about BOA routinely losing peoples refund and getting outside of a 90 window where they can no longer trace it. 

I have XXXX children my husband and I work hard to afford. I desperately need your help retrieving my money. I cant afford to allow anyone to steal it from me. 

Can you please tell me how to get this resolved. Thank you, XXXX XXXX
Consumer complaint received 2022-04-29
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: EQUIFAX, INC. (NC)

Credit bureaus are reporting an account incorrectly. I've disputed account with them ; I keep getting automated responses saying that the account was verified as accurate. 

I've contacted the furnisher, and they informed me that they are no longer reporting it as the account is closed and paid. 

XXXX removed the account due to no response. Equifax and XXXX claim that they are getting responses but their credit reports suggest that reporting has stopped. 

How can something be verified as accurate if the company is no longer reporting to the account, and the account is no longer open? Equifax and XXXX, aren't investigating disputes. They are merely verifying user information such as name and address. 

It is an FCRA violation to report inaccurate information. It is also a violation to ignore consumer dispute requests. Penalties for FCRA violations are up to $ XXXX per violation. 

With the help of CFPB, I would like to start or join a class action lawsuit in regard to this behavior.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Mercedes Benz Financial Services (FL)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Mercedes-Benz Financial Services USA LLC regarding their failure to respond to my dispute. 

On XXXX, I mailed a dispute letter to Mercedes-Benz Financial Services USA LLC requesting a record of any missed payments, including due dates and amounts due, if applicable. Despite my request, I have not received any response from Mercedes-Benz Financial Services USA LLC to date.

As a consumer, I have the right to request and receive accurate information about my account from Mercedes-Benz Financial Services USA LLC XXXX Their failure to respond to my dispute is a violation of my rights as outlined in the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2021-11-07
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: EQUIFAX, INC. (NY)

I recently reviewed my Credit Profile and see numerous unauthorized inquiries and accounts. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.
Consumer complaint received 2020-11-05
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. (AL)

On XX/XX/2020, a sales person contacted me from XXXX XXXX advised that I was able to trade my vehicle in with no down payment with this program that they have because I had my vehicle for over a year and was making good payments. I advised that I was not trying to have my credit pulled was in the purpose of trying to purchase a home. The promise and guarantee me that only XXXX would pull my credit, and that not the case server lenders pulled my credit without my permission.
Consumer complaint received 2018-04-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (CA)

I found a collection account on my credit report from the company ERC as of XX/XX/XXXX. I do not have any debt to this company. I disputed through credit bureau unsuccessfully on XX/XX/XXXX. I do not know why I am getting charge this for {$1900.00}. I didn't not receive any notice nor do I have any proof provide to me that this is a valid debt. now this is jeopardizing my credit.
Consumer complaint received 2018-03-29
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. (PA)

On XX/XX/2013 XXXX XXXX XXXX CT-XXXX appeared on my credit report. I am disputing this item. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Consumer complaint received 2019-11-13
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: WAKEFIELD & ASSOCIATES, INC. (CO)

I was looking at my credit report and I noticed I had multiple reports of of the same debt collection that I believe all show as negatives on my report. It happens multiple times as well as with multiple collection agencies. The dates, amounts and agencies are as follows : XXXX XXXX XXXX : in the amount of {$1300.00} on XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX : In the amount of {$170.00} on XX/XX/XXXX {$170.00} XX/XX/XXXX Wakefield & Associates : In the amount of {$1000.00} on XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX This one is the same as the first debt collection I have listed just under a different name and an earlier date : XXXX XXXX XXXX : In the amount of {$1300.00} on XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX It seems as if these companies wanted to hurt my score by reporting the same debt multiple times. As of now I have not been in contact with any of the agencies, this is my first step. I am hoping to get a better understanding as to what has happened and determine proper recourse from there. I could be wrong and reading things incorrectly, if that's the case I am sure you will let me know.
Consumer complaint received 2018-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc. (GA)

I filed bankruptcy last year and National Credit systems continues to report a negative item onto all three of my credit reports, in which violates the FCRA. I am not liable for any alleged debt owed.
Consumer complaint received 2019-11-13
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2018-02-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NJ)

In XX/XX/XXXX, XXXX XXXX introduced a new rewards program for their cardholders which allowed you to accumulate points ( by purchases ) that ultimately earn 5 % cash back. The details of the program state that once your spending level reached {$1200.00}, the customer is able to begin the accumulation and move to platinum status. My account accumulated over {$2000.00} but my status never moved to platinum, nor did I receive the benefits of the 5 % cash back. I contacted XXXX 's several times between XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX to advise them of the error. Each time I was told that my account would be reviewed and asked to wait. Initially, they did nothing. After the holiday season, they updated my account status to reflect the platinum level, after I brought their system error to their attention. However, to date, I have not received the benefit of the cash back reward. I exceeded the required limit by XXXX. Ultimately, XXXX XXXX owes me approximately {$40.00} in cash back rewards. On XX/XX/XXXX, I received a new card in the mail with a notification that I am a platinum level customer, 3 months after the fact. I feel that they are simply avoiding admitting to their error. This is a dishonest practice. I am a consumer!! They accept my payment each month with no problem. I expect reciprocation with respect to the way that I am treated as a consumer. I have advised them that I have screen shots from each time that I contacted them, supporting my claim. They would not provide me with an email to send them to. Hopefully, you can assist me. 

My name, address and account # are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

According to 15 UsC 6802, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' And XXXX XXXX never provided me with such notice to prohibit providing any such information to any of the credit reporting agencies as well as other Nonaffiliated third parties. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' And at this moment and moving forward I am opting out of all and any providing of my nonpublic personal information. See attachments.
Consumer complaint received 2024-03-07
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: SYNCHRONY FINANCIAL (IN)

I'm XXXX XXXX XXXX after dealing with unauthorized use of my personal information. Which resulted in this unauthorized item on my credit report. I sent letters over 30 days ago and they failed to get back with me with sufficient validation. This account violates the fdcpa and must be deleted immediately because those are serious violations and I could be compensated for them.
Consumer complaint received 2022-01-11
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. (VT)

i made a purchase and ended up returning the item. i was confirmed e mail from seller i was refunded chase bank claims they refunded my credit card but the bill does not show a credit according to the numbers new balance i meant and its not the first time they have done this they will tell you what you want to hear but does not corispond to what they actually do. just sick of them pulling XXXX every now and then. because they know its very hard to really have anything done about it in my opinion
Consumer complaint received 2021-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (CA)

Harris & Harris debt collectors.

Debt is not mine.

Daily auotmated phone calls at my place of work. weekends, too.

No one is available to speak to, to resolve issue.

They've been calling for 3 yrs.
Consumer complaint received 2021-05-04
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: FIRST METROPOLITAN FINANCIAL SERVICES, INC. (TN)

I have contacted all the Credit Bureaus/Agencies ( XXXX, XXXX ) and the creditor ( 1st Metro Finance ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature.