davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-22
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. (MD)

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

XXXX XXXX HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 section 602 A. State 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 CONSENT.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contain any of the following items of information Any other adverse item of information, other than records of conviction 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-04-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: FIRST ADVANTAGE CORPORATION (TX)

My job ran a credit report that included my date of birth and it brings up someone with same name. This person was convicted of " delivery of XXXX " in 1998. I just got XXXX so because of similar last names, I now have no job. If they run my social security number they will see that this person is NOT me.
Consumer complaint received 2023-03-22
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. (DE)

In accordance with the fair credit reporting act XXXX, account 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
Consumer complaint received 2022-02-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/XXXX of XXXX, I received a call from Wells Fargos number. I answered it and immediately a man who claimed to work in Wells Fargo fraud department started speaking. It all seemed so real. He told me that my account had been flagged due to a {$3000.00} transfer between by account and the XXXX XXXX XXXXXXXX in XXXX. He asked me if I had initiated this transfer and I informed him that I had not. He started walking me through the steps of XXXX and was saying I had temporary credits on my account and would have to send those credits to receive my funds back. He had me add the recipient as my name, XXXX XXXX, and my own phone number so I was under no impression that this was a scam. He induced me to send {$900.00}. Once I sent the money, I saw my bank account was completely drained. I immediately called Wells Fargo, it had not even been an hour later. They filed a claim and said I would be receiving my money back in 10 buisness days. I am a XXXX XXXX XXXX college student and really do not have {$900.00} to spend. This devastates me. I called last Thursday, XX/XX/XXXX to ask about my funds. A gentleman informed me I would be seeing those back in my account by Friday, XXXX. I was not too worried because I have been a customer for years and assumed they would help me. I called today on XX/XX/XXXX since the funds were not yet back. I was on the phone for three hours and transferred to XXXX different people. None could help. They informed me my claim had been denied since I authorized this, so there is technically " no scam or fraud ''. They also informed me that they could not reopen the claim because it would be immediately closed again. I am so upset about this. I am completely broke and I trusted Wells Fargo with my money and with helping me get it back. I have heard of several people going through this and Wells Fargo has reimbursed them. I think it is unfair that I was told I would be helped and would receive those funds back and yet no one is helping me. I was told by representatives that they do not have control over XXXX, but Wells Fargo is one of 7 banks who owns XXXX so I don't understand. I feel that I should be protected under the Electronic Fund Transfer Act ( Regulation E ) and feel hurt that my bank is not helping and saying that this is basically my fault. I was under the impression that I was speaking to them and I did not just spend {$900.00} for fun. I would never just spend that amount, I don't have the funds to be spending that. That is a solid months rent right there. I'm struggling and I feel like no one at their bank is assisting in helping me with this case or helping to get my money back.
Consumer complaint received 2020-06-01
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: EQUIFAX, INC. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

DEPTEDXXXX XXXX {$1700.00} XXXX XXXX {$0.00} XXXX XXXX {$220.00} XXXX XXXX  XXXX {$1100.00} XXXX XXXX {$0.00} XXXX  XXXX {$11000.00}
Consumer complaint received 2016-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NCC Business Services, Inc. (NV)

I moved out of XXXX apartments on XXXX/XXXX/2015 on the day I moved I was told I owed XXXX dollars, so I paid it turned in my keys apartment was clean an empty gave them XXXX. Moved to XXXX XXXX homes, the lady who works in XXXX knows the lady at XXXX because she use to work at XXXX, all these people know each other. When my lease was about to end at XXXX I went to look for a new apartment. When I found XXXX I was told I had bee denied due to an adverse action from XXXX town homes, manageded by XXXX property management. I was baffled, so I immediately contacted them and they told me they could not help me because my account had been assignged to a collection agency. When I contacted the collection agency NCC XXXX, The first thing they do is make sure they have current information on you. The guy at the collection agency gave me an address for me in XXXX CA. This is where the initial deman letter went. First off I do n't feel I owe these people anything, however had I been notified about the situation in a timely manner I would have paid it to avoid it being on my credit because essentially this is an eviction. No apart ; ment will rent to you with this on your record. I was never notified about any charges and believe this apartment situaions like this you are supposed to see a judge, tnis is a judgement issue, I still would have paid it just to avoid the collection agency had I been notified about the degt. to this day I have never seen any type of paper work for this so called debt. I moved out of XXXX on XXXX and according the my credit report this was on my credit by XXXX barely 45 days. This was a personal vendetta by the XXXX apartment home because I put up a website about the shabby condition their, that is all this is about,
Consumer complaint received 2016-06-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have checked ALL XXXX of my credit bureaus and this debt they company is trying to collect on is NO LONGER ON MY BUREAUS!!! This is illegal and it can not be collected on anymore. I need the company to cease and desist all lettets and phone calls now.
Consumer complaint received 2016-04-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I issued a check to an air conditioning repair company for a job they did fixing an electrical circuit that shorted. The vendor then cashed the check which was fine, they then destroyed the check. However, somehow the check was found having been destroyed by being torn into shreds, it was then taped together and a new payee was rewritten on the top of the check over the vendors name and redeposited. The same exact check was thus deposited other than the obvious sign that its payee had been changed, the same check number, date, account number and routing number were used. It was apparent that electronic check deposit must of been used to cash the check both times since neither time the bank required it to be kept. I contacted the bank regarding the fraud and they stated since it was over 60 days that they were no longer liable and that I was, however, I read in the commercial code that the bank cited that the bank must first utilize reasonable care which it did not since it was a check that was obviously a fraud and was deposited twice, any individual could deposit a check multiple times and receive payment each time. Also according to consumer regulartions I read the following ; Unauthorized EFTs Not Involving an Access Device : Comment XXXX it clearly states that had they been notified within the 60 day period and been able to delay payment they would have I then notified the bank regarding this and that they must investigate it but they would not, they simply put me on hold for a long time transferred me around and then said someone would call me back and I never received any additional notice. 
I then read that the CFPB helps to enforce the rules and regulations devised to maintain the order of business so I hope that something can be done to ensure that the bank maintain its requirement to do a reasonable job to prevent fraud and that they must investigate and unless it could 've been prevented had they been notified within 60 days they are still liable and must reimburse my cost of this check. I have cited the section below ; The consumer liability rules are slightly different when an unauthorized EFT does not involve an access device. Most important, the XXXX tiers of liability do not apply ; that is, the institution may not hold a consumer liable for any portion of any unauthorized EFT not involving an access device that occurred on or before the 60th calendar day after the institution 's transmittal of the periodic statement showing the first unauthorized EFT.XXXX Instead, an institution may only hold the consumer liable for an unauthorized EFT not involving an access device if the transfer occurred more than 60 calendar days after transmittal of a periodic statement showing the first unauthorized EFT out of the consumer 's account and before the consumer gives notice to the financial institution, provided the institution establishes that the unauthorized EFT would not have occurred had the consumer notified the institution within the 60-day period.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

As far as I know, according to FCRA 605B, accounts that are being incorrectly should be removed on the credit reports. I am not sure what happened but please look at the accounts on the documents. There are reporting inaccurately on my credit report. Accounts and even status are incorrect. I am asking for your help as this upset me and feeling unwell because of the situation.
Consumer complaint received 2023-03-22
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. (NJ)

I checked my credit report and found that some of the data were incorrect. Experian is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file XXXX XXXX
Consumer complaint received 2022-09-03
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. (NM)

On XX/XX/2022 I sent out letters to the credit bureaus of Experian, XXXX, and XXXX certified mail. Neither agency responded with a return receipt of my letters of the inaccurate information. I gave them the benefit of the doubt and waited again until XX/XX/2022 and repeated the same process with sending certified letters. Again, there was no return receipt of acceptance to look into the inaccurate information being reported. Recently again on XX/XX/2022 I sent out the letters again, this time by regular postage and it is now XX/XX/2022, past the 30 day. This time I have decided to take further action to express that my rights have been violated according to the following laws : 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692C : States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

The creditor is in violation of Section 623 ( a ) ( 5 ) of FCRA, States In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 

Not only has there been inaccurate reporting on my credit report, I have never given any written permission to contact me or report to the credit bureaus. I have also been receiving calls from phantom phone numbers disguising the company 's real phone number. These phantom phone numbers show up as local numbers in order trick you into answering your phone.
Consumer complaint received 2016-08-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (VA)

BBVA closed my existing, in good standing checking account after applying for their credit card product ( and was subsequently approved for a {$20000.00} line of credit ). They based this on information obtained from XXXX, who has XXXX identity theft accounts listed and neither bank will remove them. 

BBVA continues to hold the funds left over in the checking account and they refuse to speak with me and are being extremely hostile and unhelpful. 

During XXXX episode, BBVA performed a forced debit on my account in the amount of {$4800.00} for a deposit item deposited eight ( 8 ) months prior to the forced debit. I satisfied this negative balance with the party that disputed the check based on a disagreement and argument. 

A terrible bank like this with terrible actions should be investigated, fined and possibly receive additional penalties from the US Government.
Consumer complaint received 2022-02-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SUNCOAST CREDIT UNION (FL)

On XX/XX/22, I sent Suncoast Credit Union a letter that they received on XX/XX/22 certified mail regarding my utilization. I gave them 10 days to correct the accounts and respond, and I have not heard back anything.
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have had multiple charges from the same company occur on my credit card billing statements. The company is XXXX XXXX which I have never used in the past. The charges are for different amounts and theres one almost every month. Bank of America only shows two different claims although Ive called at least six times, for multiple different charges. All the other charges have been deemed as fraud, until the last charge. They are stating because Ive had other charges from XXXX XXXX that they will not consider this fraud even though the past charges from XXXX were considered fraud. I finally had to close down this credit card because the amount of fraudulent charges.
Consumer complaint received 2016-03-18
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Fraud on my debit card resulting in loss of {$23000.00} from checking account. XXXX ATM card was used to remove the funds over 6 months. Bank claim has been submitted, claim # XXXX. Bank has not been cooperating to resolve issue and restore funds. Also a police report was submitted, XXXX XXXX XXXX Dept, Case # XXXX. A file was submitted through the Federal Trade Commission. All of these documents are available and I will try to attach.
Consumer complaint received 2023-03-22
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. (NJ)

I checked my credit report and found that some of the data were incorrect. Transunion is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file XXXX XXXX
Consumer complaint received 2020-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

Dear Sir/Madam, Two charges dated XX/XX/XXXX and XXXX, 2020 to XXXX for {$40.00} and {$100.00} are fraudulent and should be removed from the account. These charges were never authorized by me nor by the primary account holder. These charges were removed two months prior by chase following my complaint to chase, and then again appeared on the credit card current statement. 
The phone number listed next to the so called merchant does not even work [ XXXX ]. 
It took me over a dozen calls to Chase, each time after i : repeated the same complaint over and over again and again, Chase told me they have to transfer the call to fraud department which was disconnected. 
Eventually, i : spoke with fraud department today, and they told me that they investigated my complaint and found that that charges were correct, i : questioned them how can it be correct, when the so called merchants phone number does not even work and that it seems to me that someone in Chase fraud department is getting paid off, i : then demanded to speak with a supervisor, the supervisor gave me an email address to complaint to which i : did, XXXX It looks to me that Chase is part of the fraud on me and i : ask CFPB to please interfere and stop Chase 's misconduct. 



XXXX XXXX Tel : XXXX XXXX XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-09-03
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (SC)

I received a check from a potential business partner that was paid forward. I deposited this check and began using this money when they canceled the check and all charges were charged to me when the check got canceled. This has caused my account to go into a negative balance. I deposited the check on XX/XX/22 and they refunded it to themselves XX/XX/22. They also asked me to send some of the money back which I did but once they canceled the check the charge was also taken out of my account. I was scammed by this person because I believe they never intended on letting me keep the money, but wanted me to send money back in order to take my money. I notified my bank of this problem and because I tried to send them the money back they will do nothing to help.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

There is a incorrect Bankruptcy reported only on my Experian Account. I have made numerous attempts to get them to remove this account and they are refusing to remove it. The have been advised by the XXXX XXXX company that they use that this is not my account and they are still refusing to remove the account. I need help with getting Experian to remove this erroneous account off of public record from my report.