davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My name is XXXX XXXX, I am the sole Director of a charitable organization called XXXX   XXXX XXXX XXXX ( incorporated in the State of Texas, IRS EIN # XXXX ). 

We have a checking account with Bank of America, where we deposited {$3000.00} to avoid monthly fees for account balance imposed by Bank of America. In XXXX of 2018, a fraudulent charge in the amount of {$2000.00} was made at XXXX XXXX retail location in XXXX XXXX, CA. This is the ONLY transaction that has ever occurred in this account. We were never notified of the fraudulent charge in any way by the Bank and by the time we noticed and filed a claim, the claim was not accepted. Additionally, the Bank proceeded to charge monthly fees even AFTER I submitted the formal complaint.
Consumer complaint received 2021-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ID)

I did not earn this debt, I had to do all sorts of research to even figure out what company it was originally from. I found out it was a XXXX credit account, and was even more confused on where it came from. I didnt have proof, but I assumed it was my XXXX XXXX  mother who had something to do with it since she has used my name to purchase things and sign up for things in the past. I have disputed it many times and it was resolved and removed from my credit. I even received a bill that said XXXX $ balance owed. Only for it to be re added months later.
Consumer complaint received 2020-07-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX   XXXX XXXXXXXX XXXX XXXXXXXX I XXXX XXXX
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: NAVY FEDERAL CREDIT UNION (GA)

I called XXXX XXXX on XX/XX/XXXX to ask why my transactional history with my credit card was being shared with non-affiliates ( XXXX, XXXX and XXXX ). 

XXXX XXXX and its subsidiaries violated my privacy rights under the Privacy Act of XXXX. You have allegedly shared my private transactional information with XXXX, XXXX, and XXXX direct contradiction to your disclosure statement, which asserts that you do not disclose private information to non-affiliated parties. They use the term " may ''. There is no explicit acknowledgment that they're " required '' to report my transaction history. 

I am astonished to find that XXXX, XXXX, and XXXX consumer reporting agencieshave access to my account details despite the confines of your disclosure agreement. This act seems to be in stark contravention of the 15 U.S. Code 1681s - Administrative enforcement and the 15 U.S. Code 1681b ( c ) ( 1 ) - Permissible purposes of consumer reports, hence constituting a breach of compliance. 

As proof of this claim, I have enclosed copies of the consumer reports provided by XXXX and XXXX, which include my account information. 

Considering the aforementioned circumstances, I am invoking my federal right to opt o-utof any future sharing of my transactional information with XXXX, XXXX, and XXXX. I am taking this step to ensure my rights to privacy are services respected, and to avoid potential misuse of my personal information.
Consumer complaint received 2023-01-19
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. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX : {$8200.00}
Consumer complaint received 2024-02-05
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX
Consumer complaint received 2023-02-08
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. (FL)

Description X 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 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 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 2021-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MNS & Associates LLC (TX)

Received multiple phone calls and voicemails several days in a row attempting to contact someone I do not know. Voicemails were threatening and harrassing in nature. Contacted the company directly at XXXX to have my number removed as this is not me nor my debt and the female employee was incredibly rude and dismissive.
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

All 3 of the credit reporting companies continue to mess up my reports. Transunion and XXXX are by far the worst. Transunion removed 4 closed accounts in XX/XX/XXXX after XXXX rightfully did. The accounts were closed and had been paid off. Now, all 4 are back on there for NO APPARENT REASON! Also, an account that has been verified as not mine because I never lived at the address where the utility company has these reported and verified this with my lease, DL, and its on my credit report as not living there, was removed on XX/XX/XXXX and now Is back on there. I DO NOT HAVE TIME TO MONITOR THIS EVERY XXXX DAY!!!
Consumer complaint received 2021-02-03
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. (FL)

my information was stolen by some unknown person, and they used it to obtained credit, resulting in many delinquent debt and inquiries to be reported to my credit file. i have been very careful keeping my personal information secured and safe, i am shock to see this happened to me, i have been victimized
Consumer complaint received 2019-10-28
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: CITIBANK, N.A. (NY)

citibank has conintinued to harass me at my work and through letters in mail of a card that was opened under theft identity fraud that i have filed with the police in nys. 
i did not know of this card or charges. they continue to harass me under this assumption that they mailed the card it is my debt to an address, where i was renting the house out to someone that did indeed use my identity and open several accounts and i have given the suspects name to ftc and police and the creditors. they have not supplied any documentation to show i signed for the card or authorized anything as i did not know about this account.
Consumer complaint received 2019-11-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (PA)

Well I keep disputing it online and then it gets takin off my credit report then they put it back on my credit report saying new account open and it was sold to a new creditor which is illegal Commonwealth Financial opened XX/XX/2019 the last time they put it on my report it said XXXX of 2019 amount of {$1300.00}
Consumer complaint received 2021-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (TX)

I have applied for Chase Saphire twice and got denied, they give me a list of reasons but are not very specific. I finally called for a reconsideration and I was told that the reason I got denied is because I have a bankruptcy and a charge off with them from 2007. I have never filed for a BK and I was not aware of this charge-off account with Chase, I do not see it on my credit report so I'm assuming it must be a mixed file or opened without my consent. I asked how I could resolve this and was not offered any solutions. 

I am currently looking at my credit report I do not have anything public records. I have credit cards with XXXX, they recently gave me an automatic increase for having an excellent payment history and I also have had a XXXX XXXX XXXXXXXX XXXX for 11 years with an excellent payment history. Why not consider those? I have been maintaining good credit and plan to keep it that way. There is one Fraudulent account with XXXXXXXX XXXX only reporting on XXXX that I have been working on resolving but everything else is current and balances are always kept under 30 % I don't feel they gave me a proper reconsideration. Seems they also missed the fact that I am an authorized user on a Chase Credit card with a credit limit of {$24000.00}.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I had a mobile account with XXXX, which I cancelled. However, XXXX claimed it was only " suspended '' and continued to charge me. I settled that dispute with XXXX on XX/XX/2021 and made full payment of the final, agreed amount ( {$60.00} ). I also received an email from XXXX stating that the payment arrangement was " complete ''. 

Later, however, XXXX started pursuing me to pay more money, even though we had finally settled the account. I have provided documentary evidence of the settlement ( including the name of the XXXX representative I made the agreement with ). I provided all this information to XXXX ( see attached letter to XXXX with supporting documentation ), but they have not responded to me. 

XXXX has also not provided any first-hand evidence to Experian, instead merely claiming that their agent didn't properly note in the account that the matter was settled. ( XXXX 's bad record-keeping doesn't prove there was no settlement, only that they failed to properly record it. ) Experian has likewise ignored my documentary evidence of the settlement and instead has blindly accepted XXXX 's conclusory ( and false ) claim that there was no settlement. 

As a result, I have been forced to pay ( under protest ) money that I do not owe because XXXX is damaging my credit rating and Experian is helping them do it.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In my original investigation request sent XX/XX/2021 I asked Transunion to delete anything that is not 100 percent accurate. They responded saying that all of my accounts were indeed correct and verified. How is it possible that TransUnion, XXXX, and Transunion all verified the accounts I inquired about as accurate, but they all have inconsistencies in the reporting? After that, I sent a letter on XX/XX/XXXX asking for Transunionto please remove the accounts below from my credit report because I still found inaccuracies in each entry. I also provided proof of the inaccurate reporting along with my letter. Instead of deleting the information as requested, they updated their file, which is against the FCRA. This is my 3rd attempt to remove the inaccurate accounts that Transunion stated was verified and correct.
Consumer complaint received 2022-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (MS)

XX/XX/XXXX - Cardinal FinanciaXXXX ( mortgage company ) failed to pay agreed escrow wind insurance account. 
- Wind insurance was cancelled leaving a insurance cancellation record on my insurance history. 
* Cancellation caused my family to pay over XXXX to start a new policy. 

Insurance information was provided to Cardinal in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XX/XX/XXXX- Cardinal financial placed my account in collections through their error resulting in further financial and personal damage.
Consumer complaint received 2018-02-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CO)

I had a stop loss set on XXXX Crypto currency exchange ( Coinbase ). The exchange executed my stop loss transaction, charged me fees for it, but the prices shown on the exchange were never low enough to trigger the stop loss. 

I have a screen shot to show what I'm talking about, filled out a customer support ticket over a month ago. Case # XXXX. Have not heard anything back from customer support, nor is there any ability to check the status of my claim. Please help me investigate how this trading glitch happened, why I was charged fees for it, and help reclaim my lost money in this transaction.
Consumer complaint received 2021-07-03
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: Experian Information Solutions Inc. (TN)

I tried to submit a dispute letter online to Experian on XX/XX/2021 and today XX/XX/2021 regarding inaccurate information on my Experian Credit file, and they are saying that I can not file a dispute. The inaccurate account listed is XXXX XXXX XXXX ... .this account is not mine and needs to be removed from my credit file immediately! 

Thanks, XXXX XXXX
Consumer complaint received 2023-04-04
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. (MI)

XXXX  XXXX XXXX, XXXX XXXX, Experian, and XXXX is reporting 3 late payments on my credit report therefor prohibiting me from obtaining any new credit accounts with any other financial institution. In addition to that because of this my credit score has dramatically decreased.
Consumer complaint received 2022-05-01
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. (PA)

Date issued : XX/XX/22 I filed an identify theft report requesting transunion to block and remove the inquiries off my report. I sent the inquiries I want removed, a copy of my driver license and a copy of my pay stub for identification. 

Transunion replied saying they needed further identification even though I sent a pay stub and my drivers license!
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I cashed a check for a friend thinking it was a legitimate check because they had know banking. They had the check made out to my name so that I could deposit it. The depositing of the check took place on XX/XX/XXXX. That very same night following into XX/XX/XXXX the bank notified me via email and I contacted them. They said once the information was verified the check would go through. So I tired to get in contact with my friend and they were acting very suspicious on not giving me any information about the bank or the number of the company of where this check was written out to me. Now today on XX/XX/XXXX the check was reversed onto my account and now my account is negative XXXX dollars. I am in utter despair and I am unsure of what to do. I have contacted my bank and am waiting on a call back but am still unsure of what to do. Another thing the bank never credited that money to my account or made the account available because it was on hold so its not like I ever had access to the money or it was technically even there, so I am unsure on why I am being penalized when how could I have known.
Consumer complaint received 2019-10-28
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2018-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

I filed a complaint on XX/XX/XXXX with case # XXXX regarding being sued by XXXX XXXX XXXX XXXX XXXX for a credit card debt in the amount of {$9000.00} on XX/XX/XXXX in NY XXXX XXXX First District Court.  As of today the debt is {$12000.00} with interest. I have no knowledge of this debt. They are representing Creditor ( s ) : ( P ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I attended a final court hearing on XX/XX/XXXX and explained the judge how they could not provide me any tangible proof regarding any of these requests. Yet, I provided the XXXX XXXX XXXX XXXX response to my complaint the court as well. But XXXX XXXX  XXXX lawyer said the judge my written proof is incorrect and XXXX XXXX XXXX XXXX is still the owner of this alleged debt. After 2 months of the court hearing, I received a final decision. " The motion of my request for an order vacation the default and dismissing the action or alternative relief, is denied '' I have to pay {$12000.00} to XXXX XXXX XXXX XXXX even the company responded my complaint on XXXX saying that " This account was referred to the law offices of XXXX XXXX XXXX on XX/XX/XXXX for collections and their office handled the account on our behalf up until the account was sold to a different company on XX/XX/XXXX. Once an account is transferred and sold, XXXX XXXX XXXX XXXX XXXX XXXX no longer has any rights, title or interest in the account. You may contact Resurgent Capital Services, L.P. to discuss the account further. Their contact phone number is XXXX. Their mailing address is XXXX. XXXX XXXX, XXXX, SC XXXX. Should you have any further questions, my name is XXXX XXXX and I am Director of Operations with XXXX XXXX XXXX XXXX XXXX XXXX My contact phone number is XXXX, ext. XXXX. '' I would like to inform you that the Law office of XXXXXXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX are still doing and continuing their unlawful actions. I am ready to accept any help you may offer in this matter.