davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I have a Bank of America XXXX credit card. I have been making the minimum payments for a little while now, and the balance isn't really going down at all, so I decided to increase my monthly payment to something more substantial. I went to their website XXXX XXXX XXXX XXXX XXXX but the only options are A : Minimum payment due, or B : Entire balance. 

On XX/XX/2023, I spent more than an hour on support chat with a company representative to try to solve it. The representative insisted that there was a way to do it. We removed my existing autopay and tried to set it up again XXXX different times, but there still was no option to pay an arbitrary amount. My issue got escalated to someone from the XXXX XXXX XXXX XXXX XXXX and I had a call with her XX/XX/2023 ( XXXX XXXX ) and she walked me through the process twice while she also did it with her own card, and came to the same conclusion, that there is no way to schedule payments that are MORE than the minimum amount due, unless it is for the ENTIRE amount. She explained to me that they USED to have that ability, but it was presumably removed. 

I'm not sure if this is illegal, but it sure seems like it should be. It very much seems like their intention is to keep people making interest-only payments on their card, so they can keep them in a cycle of debt for as long as possible. 

My issue has not been resolved, and the suggestion from the XXXX XXXX was " Just schedule them manually ''
Consumer complaint received 2020-08-13
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. (TX)

I sent Experian a complaint yesterday ( XX/XX/2020 ) and they responded today stating they took no action because they believe the complaint didn't come directly from me the disputing consumer personally. This is not acceptable and a deliberate delay tactic to stall from deleting the fraudulent false negative accounts on my Experian credit report. I have attached personal identification below to prove this is all coming directly from me the consumer. 

If Experian believes this complaint isn't coming directly from me the consumer, they must provide proof with documentation to validate this claim. Otherwise delete all false accounts from my report immediately. I implore the CFPB to help hold Experian accountable and not let them delay solving the real issue here.
Consumer complaint received 2023-03-04
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. (NY)

Personally, I'm writing to you. NO THIRD PARTY IS INVOLVED IN THIS DEMAND. 
This is not my first time alerting you to unfair practices. You verified these accounts without contacting me. The banking system relies on fair and accurate customer reports, and this is a big example of you being unfair. Without my consent, false information is reported. During your original investigation, your organization didn't tell me these inconsistencies would be reported. 

I'm letting you know that I've been a victim of error, which has made me distrust your company 's methods. Because of that, I will no longer extend my credit, and if this information is not erased, I will no longer enable you to record my information in your company 's database. 

I lost my reputation and credit due to your company 's mistake. 

Your company assumed that was accurate information without my, the consumer 's, or a competent court 's approval. So, you failed to initially investigate this information. You assumed this role and believed this information. ANOTHER VIOLATION. YOU CAN NOT ASSUME FOR ME OR ASSUME THIS INFORMATION WAS VALID. 

You didn't check this information and didn't act fairly. You didn't ask me if I made this transaction. My privacy was compromised, violating my private rights. 


In your original inquiry, you never offered me the chance to dispute this material was mine before you put it on my report. 

I will demand reimbursement for the harm your organization caused me by reporting incorrect information and that efforts are taken to prevent future violations of the Fair Credit Reporting Act ( 15 USC 1681 ). I also require a written confirmation. 

I'm writing again on my own behalf about these demands. There's no third party. I'm giving you another chance to meet my demands. My first attempt arrived via certified mail. Certified mail will be used for this attempt. 

I am invoking specified remedy as the original creditor and demanding the following : XXXX XXXX ACCOUNT # : XXXX I will allow you ( XXXX ) days to process these deletions, otherwise this will lead to much more damage.
Consumer complaint received 2024-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (TX)

As of XXXX ; My balance and debt to child support in the form of a loan that shows on my credit report has been terminated and now has a balance of " zero ''. I sent notification to the credit companies to show that I no longer owe this debt. I have uploaded the court order and its findings In its entirety showing that the account Is indeed closed and the balance is no more. on XX/XX/year> I receive notification that the balance has been validated and there will be no changes made. 
This to me is why no one can truly trust these companies. I have done my due diligence and taken care of the matter and supply a legal court document showing that the matter is concluded so simply get told that the matter is validated and it will remain when I get a document from the source itself.
Consumer complaint received 2022-05-16
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. (MD)

This inaccurate address are reporting on my personal credit file with XXXX, XXXX and TransUnion credit reporting agency There is no name associated with this file, I don't think this information are 100 % accurate. According to FCRA 611 you must report 100 % accurate and verifiable information in my personal credit report. Since this is a strict violation of FCRA laws I need these inaccurate addresses removed from my file. 
XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2023-03-30
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. (MD)

An individual fraudulently opened a XXXX XXXX XXXX credit card under my identity using a different address. The balance on the fraudulent account has now reached {$33000.00} with a charge off status, causing my credit score to drop by over 200 points and completely ruining my previously impeccable credit history. Despite my efforts to have this fraudulent account removed from my credit report, my requests for justice have been ignored by Experian and XXXX. I sent certified mails to the credit bureaus, but did not receive any response. There's no evidence of investigation. This fraudulent account still stays on my credit report as I am submitting this report. 

I activated a fraud alert on my credit files, filed an identity theft report on the Federal Trade Commission website, and also filed a police report with the local police department. This is my first time dealing with identity theft and I never thought that removing fraudulent accounts would be such a difficult process for the victim. It's important that we address this serious issue, as many people 's lives are being destroyed by a system that doesn't seem to be working in their favor.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I opened my credit monitoring account and seen unfamiliar inquiries on my account such as : XXXX XX/XX/XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 I tried to call these companies some didn't have phone number to contact therefore nothing was done to fix this issue. 
Also I have never applied for a mortgage whatsoever yet there are number inquires on my report from mortgage companies such as : XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: MORGAN STANLEY & CO. LLC (NJ)

I recently opened a new account with ETrade. They keep putting my account in restricted state for no rhyme or reason. Whenever they do that, they ask you to call their Account Activation Services Department and they proudly mention that the wait time to talk to this department is always an hour plus. 
This is the second time they have put my account in restricted state. 
First time they did that, it took almost an hour to get it resolved. 
For the second time, they put my account in restricted state, I am summarizing my experience below. 
My first attempt to talk to this department, I had to give up after an hour and 15 minutes. I called the regular customer service after that and they said that they have put in a request for a callback and someone will call me back in 24 hours. It has been 5 days and no one has called me back.

My second attempt to talk to this department, I waited for an hour and 24 minutes before someone picked up the phone. This lady then won't give me any reason as to why they they keep doing that, then she demanded that I send her some hand written letter saying that this is my account. That is the most non sensical thing I have ever heard from any bank. Finally she said that she will try to find someone who can remove this restriction but evern after being on hold with her for more than 2_ hours, she could not find anyone. She said she will call me back the next day and that did not happen either.

My third attempt to talk this department, I had to wait an hour and 20 minutes to talk to someone. This guy was so rude that he hung up on me when I asked him what happens if I dont send this hand written letter. 

At this stage Etrade is holding my funds as ransom even though it is a total of only {$10.00} which they clearly know was transferred from my linked XXXX account. 
They have failed to provide me monthly account statement for this account which I believe is a violation of their bank charter. 
And if this was not bad enough, I keep getting calls from some other Etrade reps who want me to give more business to ETrade. 

It is pretty obvious this bank is being run by some brain dead idiots.
Consumer complaint received 2023-07-30
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. (GA)

XXXX  XXXX and XXXX  XXXX XXXX XXXX XXXX has two fraudulent accounts on my experian and XXXX  credit reports, these accounts are not mine please remove these accounts, my name has been used and compromised, im filing this complaint and attaching a ftc identity theft report to this complaint, I am now suing several companies for opening accounts with out my permission, I will seek legal action if not taking off my credit reports XXXX, do not ignore this ftc identity theft report it acts the same way as a police report, it is signed be me and it has a case number attached
Consumer complaint received 2023-12-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (NY)

y home was flooded on XX/XX/2023, my insurance company XXXX XXXX settled the claim in XX/XX/2023, they sent me a check with my name, the contractor and my mortgage companies listed on the check. The check was sent to my mortgage company on XX/XX/2023 ( Rushmore Home Loans ). Rushmore Home Loans was takeover by Mr Cooper as of XX/XX/2023. I personally forwarded all of the required documents and all information that was needed to continue with the repairs of my home. I was told to do this by my previous mortgage company to avoid any further delays. Mr Cooper has found everything possible reasons to not disburse the fund to repair my home, as of now XX/XX/XXXX months after depositing the funds in my mortgage loss draft accounts, the first disbursement was released on XX/XX/2023 for {$25000.00}. My original contractor had completed approximately 10 % of the work before I found out that they wasnt honest and was trying to take advantage of my, so I hired a new contractor. Before any further work was performed, I ordered an inspection for the house to validate what percentage of work was completed, the bank sent XXXX XXXX to my home to conduct the inspection, it took a few minutes, the inspector just took a quick video and completed the inspection saying 20 % was completed. All of the work that was done was out of my own pocket at that point, the bank refused to release any funds other than {$12000.00} that I paid out of pocket for materials. I begged and pleaded with the bank to release the internal draft, but they refused, I stopped paying my mortgage in-order do the repairs on my home, Im currently renting a home for {$4600.00} per month, and no longer have funds to continue to pay. My XXXX children and I will be moving into a shelter on XX/XX/2023. The bank is requesting that the inspection is at % in order to release any additional funds. I had another inspection on XX/XX/2023 from the same company XXXX XXXX, after I completed XXXX bathroom, Sheetrock for 85 % of the walls, flooring base, paint XXXX bedrooms, living room, hallways kitchen out of my own pocket, but the bank still refused to release additional funds, the rejected my request and said only 20 % of the work is completed, but 25 % is needed to release funds, being that two inspection was done both saying 20 %, now the bank is saying I need the final inspection to release the funds. Two different inspections from the same companies and both reports says 20 % completed. The bank has been holding over {$100000.00}. In their account for almost 6 months now collecting interest on the funds. I will upload photos of my home to show the work that has been done. This is unfair to me and my family, my insurance policies was to repair my home, I should have to live in a shelter, and now face foreclosure from the same back that refused to use the fund to repair my home so we can move back in.
Consumer complaint received 2023-06-09
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (NC)

I received a bill from XXXX in XX/XX/2023, but it did not provide a breakdown of charges. I called XXXX to request the statement of charges, but I did not receive it. In XXXX, I got my credit report which included a collection. I wrote to the collection agency to dispute this collection, and after 20 days, I received a final bill from XXXX. However, this bill also did not provide a breakdown of charges, so I have no idea what the {$1100.00} amount is for. I want to clarify these charges because I was not under contract with XXXX, and I sold my previous device to a retailer in exchange for credit toward a new phone. My new carrier, XXXX, checked with XXXX and confirmed that I did not owe anything. Please assist me in verifying these charges, as I genuinely do not understand why I owe XXXX.
Consumer complaint received 2022-07-17
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. (CA)

On or about XX/XX/2017 Court : XXXX Bankruptcy XXXX XXXX CA Reference # XXXX account was reported to a Credit Reporting Agency without my knowledge or permission. I have requested for this information to be removed for several years now with no resolution. 

In accordance with the Fair Credit Reporting Act my rights were violated. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Consumer complaint received 2020-12-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (WY)

This is NOT a duplicate of XXXX, rather I'm trying to send the same complaint to XXXX XXXX XXXX, can not find them, and am attempting to send it to Resurgent Capital Services, who I *believe* is the parent company of XXXX XXXX XXXX. 

The XXXX XXXX XXXX  XXXX XXXX  XXXX, representing LVNV Funding, is attempting to collect alleged debt against me. I have an ongoing dispute with the XXXX XXXX XXXX XXXX XXXX  XXXX, and their response to my debt validation request has revealed that my alleged debt was transferred from alleged original creditor [ XXXX XXXX XXXX XXXX ] to [ XXXX XXXX XXXX XXXX ]. On a Transfer and Assignment Document, I see that [ XXXX XXXX XXXX XXXX ] " immediately transferred '' my alleged debt to [ XXXX XXXX XXXX ], and that [ XXXX XXXX XXXX ] " immediately transferred '' my alleged debt to LVNV Funding. I don't recall receive any written notice whatsoever from XXXX XXXX XXXX XXXX, nor XXXX XXXX XXXX. I call apon XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to prove that they sent me anything whatsoever in the mail pertaining to the purchasing and/or transferring and/or reassigning of the alleged debt. I suspect that my rights under FDCPA were violated and that these entities failed to notify me of the transferring of debt. I also call into question the signatures on the attached document enclosed from the representatives of these " XXXX '' companies. Why is the dated typed but the signature is a wet-ink signature? What proof can XXXX XXXX XXXX AND XXXX XXXX  offer that the document was signed on XX/XX/XXXX, the typed date? Why would the signers not write the date in ink since they are signing in ink, and what evidence do they have to offer that they all signed the document on XX/XX/XXXX. Please answer these questions and provide your documentation that I have been provided all required legal notification from the entities that purchased-then-transferred my alleged debt, and please also answer why this occurance should be interpreted as anything other than a very shady, questionable, poorly signed, and unclean bill of sale and a truly broken chain of title? Please also inform me how XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX can be contacted for questions pertaining to these documents, and/or subpoenaed for information and/or testimony? Please also provide me with the DocuSign certificate of completion for the Bill of Sale with the matching DocuSign Envelope ID XXXX Do NOT Modify the certificate of completion in any way.
Consumer complaint received 2020-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

On XX/XX/2020 I used my newly opened Capital One checking account to send {$1500.00} by the transfer service, XXXX, through Capital one. My account showed the money was sent, but the recipient never received it. capital one was and is very difficult to contact, after wasting hours trying to get help ( all calls recorded ) i was only told to keep waiting, or transferred between useless and incompetent people. Capital one is taking too long to give me back money my family and I need to survive. Their inaction is causing us financial and medical issues. There is no one that can help and I can not afford for to keep waiting indefinitely for them to " look into it ''. Do something, anything, to earn your title as an organization involved in consumer protection.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-01-28
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. (PA)

In accordance with 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 an account without my written instructions.
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.