davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Consumer complaint received 2021-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

My brother & I opened a chase checking and savings account this year. We tried using XXXX 3x and our acct was locked. Each time we went to the branch to unlock it ( the 3rd time we spoke to the branch mgr Mr XXXX ) and he assured me it was fixed but that the retail banking function is mged by the back office, not him. After this, we couldn't take money out of the ATM. When I deposited a check from chase to another bank, a charge was made of {$25.00} w no explanation. I called the XXXX number XX/XX/21 and spoke to 2 supervisors. They claimed they couldn't hear me, said they would transfer me to account services which manages my acct and then I was disconnected. I am currently able to see the acct on line but can not do any transactions like atm, transfers, XXXX. The branch I went to is in XXXX  on XXXX XXXX. After I was disconnected the 1st time I called the account services number I was given XXXX and was disconnected again. I believe that someone in the bank has taken illegal control of this acct.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

I sent a letter to remove this personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove this personal information not later than 4 business days. XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX
Consumer complaint received 2016-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I purchased my home XX/XX/XXXX and did a rate change without requirement of refinance in XX/XX/XXXX. Bank of America improperly recorded the rate change as a Texas 50 a 6 loan ( cash out ) transaction which is now impacting my ability to do a Home Equity loan because of Texas Laws. I subsequently refinanced this same loan 12 years ago with Bank of America and the refinance was done with a XXXX position and XXXX position loan to avoid Private Mortgage Insurance. Neither of those XXXX loans were recorded as Texas 50 a 6 which under Texas law would be prohibited but they were recorded as a standard refinance In addition to those details in the State of- Texas you can only have XXXX Texas 50 a 6 loan at a time if you have a equity loan recorded ( even if recorded improperly ). The XXXX mortgage was again refinanced 19 months ago and again it was not recorded as a Texas 50 a 6 nor did the title company make we aware of the improper recording for a previous mortgage. 

I recently applied for a XXXX lien position Home Equity loan and my Credit Union found the discrepancy which is attached. That equity loan was to payoff the small XXXX mortgage and do home improvements. They nor any other financial institution can do anything at this point to allow me to use equity in my home until this is resolved. 

Bank of America has not been helpful in getting their error resolved.
Consumer complaint received 2021-07-02
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. (GA)

XXXX XXXX XXXX Opened XX/XX/2021 {$130.00} Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/2021 {$77.00} Original creditor : XXXX XXXX XXXX XXXX There are no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingRe-inserted without notification, F.C.R.A. violation. I want these accounts removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2015-12-28
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (NY)

I paid off a credit card when refinancing. The payoff was {$1600.00} too much. Wells Fargo received the payment on XXXX/XXXX/15. said they refunded the money 20 days later on XXXX/XXXX/15. 19 days later still have not received the refund. 
Spoke to a " supervisor '' who said that if I wanted another check sent out, they would first have to send me a letter to get notarized, send it back and then Wells Fargo will send me another check in the same manner. they refused to send it via any way that can be traced.
Consumer complaint received 2022-10-03
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. (AZ)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please update this account : XXXX XXXX XXXX Balance Owed : {$3200.00}
Consumer complaint received 2016-11-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc. (GA)

I deny that this is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with Optimum Outcome Account Number XXXX XXXX Amount {$650.00} XXXX NC phone number XXXX
Consumer complaint received 2021-07-02
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: WELLS FARGO & COMPANY (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OH)

I c systems is XXXX me about a debt that I dont not owe and Ive never did business with I c systems so why are they contacting me that is a violation under 15 usc 1692d and 15 usc 1692c and they sent me letters with their company logo on it and that is a violation under 15 usc 1692f ( a ) and they are also charging me different amounts thats violates 15 usc 1692c 15 usc 1605 ( A ) 15 usc 1692 f ( 1 ) Ive sent them a debt validation letter requesting the 5 components to validate I owe this debt and to show me proffered of a contact that I have with them along with proof of the true creditor is, I expect to receive that. I also sent out a cease and desist letter as well
Consumer complaint received 2022-10-03
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2016-10-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (CA)

THIS DEBT STAYED ON MY CREDIT REPORT FOR 9+ YEARS!! 
I TOLD THE CREDITS BUREAUS THIS NOT MY DEBT. IT IS A XXXX XXXX XXXX DEBT I KNOW NOTHING OF. IN 2012 OR NEAR, XXXX ATTEMPTED TO COLLECT SAME DEBT. I TOLD THEM THIS IS NOT MY DEBT. I AM XXXX VETERAN AND THIS IS CAUSING ME UNNECESSARY STRESS PLEASE ASSIST. I AM XXXX SORRY FOR CAPS.
Consumer complaint received 2022-10-03
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. (AZ)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please update this account : XXXX XXXX XXXX Balance Owed : {$3200.00}
Consumer complaint received 2021-07-01
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: Nelnet, Inc. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-01
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. (GA)

I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( U S DEPT OF EDXXXX Date Opened : XXXX/XXXX/XXXX Amount : {$5000.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$9500.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$4300.00} ) ( U S DEPT OF ED/XXXX Date Opened : XX/XX/XXXX Amount : {$4300.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$3000.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$9100.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$3100.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$3000.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$7500.00} ) ( U S DEPT OF EDXXXX Date Opened : XXXX/XXXX/XXXX Amount : {$5000.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$3800.00} )
Consumer complaint received 2021-07-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Arcadia Holdings, LLC (TX)

I started a dispute for my medical debt with XXXX XXXX XXXX XXXX on XX/XX/2021, the debt was bought by a collection company called Arcadia, I never signed the HIPPA act that is required in order to sell the debt, in addition, the collection agency didn't give me my right to dispute the debt. 
On XX/XX/2021 I sent a follow-up letter since they didn't respond to my previous request, XX/XX/2021 they still didn't respond so I sent a final follow-up letter, and by today ( XX/XX/2021 ) they still haven't responded.
Consumer complaint received 2022-10-03
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. (NC)

This is my 3RD Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

As indicated by the attached copies of letters and mailing receipts, Credit Bureau has been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, they have not done their duty mandated under the law. Their inaction in this matter is inexcusable, and their disregard for the law is contemptible. 
Federal law requires to respond within 30 days, yet they have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC. 
For the record, the following information is being erroneously included on my credit report : 1. The wrong amount is being reported. Date of opening is wrong. 
XXXX XXXX XXXX  Account Number : XXXX Please ensure that all information is accurate. I was never late. I PAID AS AGREED.
Consumer complaint received 2021-07-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (FL)

I am not liable for this debt with XXXX XXXX and I do not have a contract with AMERICOLLECT plus they did not provide me with the original application like I asked. 

Account No:XXXX Amount Disputed : {$85.00}
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MCMC Auto LTD (TX)

Mike Carlson Motor Company Has deliberately reported that an old auto loan account is open and that I owe a balance of {$17000.00} when in fact this account was paid in full after I traded in an auto to them in order to get a new vehicle after problems were found that were not disclosed about the previous vehicle I purchased from them. Recently, the auto I purchased from them through their inhouse financing was stolen, wrecked, and declared a total loss by my insurance company XXXX, after XXXX settled my claim and paid Mike Carlson Motor Company {$11000.00}, Mike Carlson Motor Pressured me about producing a police report which I could not produce because when I contacted the local police department concerning the theft of my vehicle for what ever reason, I was unable to get cooperation on a police report from the local police department after several attempt 's, I spoke with Mike Carlson Motor Company on More than one occasions about the matter because I purchased Gap insurance coverage through Mike Carlson Motor Company in addition to my XXXX policy which was supposed to cover any additional amounts that my primary auto insurance didn't cover in the event of a total loss. After checking my XXXX  credit report on XX/XX/2021, I discovered that Mike Carlson Motor Company erroneously reported that I have two separate auto loans with them which inflated my debt significantly and and likely lowered my Credit scores which has caused me Financial harm, as when I attempted to conduct a financial loan transaction, my credit report was showing erroneous information by Mike Carlson Motor Company, this is not the first time I've had this problem with Mike Carlson Motor Company because they have in past time, reported erroneous account information in the past showing that I had two open accounts with them which took me nearly two months to get corrected through a dispute. Because the additional account that is now being reported to XXXX currently as now being an open account with a balance of over {$17000.00} has in fact been reporting as closed and paid as agreed for more than six months, I believe that the erroneous reporting of this information is intentionally and being used as a tactic to prevent me from being able to finance another vehicle from elsewhere. I now have this account in dispute with XXXX, however, Mike Carlson Motor Company is causing me reputable and financial harm by reporting erroneous information about my credit worthiness especially since I've made all payments as agreed with them.
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (CT)

Discover card took {$200.00} from my bank account as a deposit on a secured card, then never gave me access to the card. They made me get something notarized and I faxed iyt to them. Still nothing. They then said I need to send them 3bank statements, which I sen through the mail. They said they didn't get it. They closed the account and will not give me my deposit back. They say I didn't file a dispute in time. This was a scam from the beginning, my bank says it is
Consumer complaint received 2022-10-03
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. (FL)

I have wrote XXXX XXXX letting them know that my account says open when it is closed and reporting on my credit report. I also advised XXXX that formerly XXXX XXXX on XX/XX/XXXX of the incorrect balance and that it says closed and still showing up on my credit report. They verified as accurate. I also disputed this again on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and still no luck. This is really hindering my credit.
Consumer complaint received 2016-11-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America closed all of my accounts, including checking and credit cards, for no reason and without notice. First they deducted {$880000.00} from my checking account, and then locked me out of online banking. Now I have no access to my cash in the checking account, and customer service is unable to help. They gave me a name : XXXX XXXX in Corporate Security. But she could never be reached at the number/extension given. My money just disappeared into thin air!! This is extremely unfair and unprofessional and I demand immediate access to my checking account!!