davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America is currently reconsidering a series of fraudulent transactions via XXXX  per CFPB XXXX. 
Today XX/XX/XXXX I receive a message say the research on re-investigation was completed. The letter was dated XXXX XXXX. 
However, Bank of America called me on XX/XX/XXXX around XXXX EST to ask for copy of the police report I filed ( even though I had faxed over copies previously to number they provided and had verbally given them police report number ). I comply and email them the report on XXXX XXXX. 
Based on this timeline issue, it seems bank of America is willingly closing investigations early and without all the facts in order to not pay back money stolen via fraud to their own customers ( despite Bank of Americas claim they do not hold their customer liable for fraud on their own website. 
This aligns with call I made to BoA on XX/XX/XXXX at XXXX where BoA agent admitted Bank of America usually closes their investigations previous to investigation period being completed. 

Below I have attached the letter I received XX/XX/XXXX but dated XX/XX/XXXX, a copy of the email I sent with police report to Bank of America XXXX XXXX ( Regulatory dept ) on XX/XX/XXXX, and email I sent today ( XX/XX/XXXX ) to bank of America XXXX XXXX noting this discrepancy.
Consumer complaint received 2022-06-27
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 — Investigation took more than 30 days
Company: Modern Asset Management, Inc. (FL)

I have filed a dispute with XXXX in regards to the incorrect item on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-09-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I requested validation twice directly to XXXX XXXX XXXX. No validation is provided within 30 days. Rep said the email probably went to spam. I never agreed to have email as an acceptable form of communication. I should have had the chance to refuse this form of contact. Delete immediately not only have they exceeded the 30 day validation request to prove I owe the debt to XXXXXXXX XXXX directly, i was never given the ability to properly dispute this form of initial contact. They responded by saying that the email was probably in my spam folder. That is not acceptable. Please delete it immediately.
Consumer complaint received 2022-09-28
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mercedes Benz Financial Services (NY)

I paid the debt with the negotiable instrument that was sent to me in the mail from Mercedes Benz financial they refuse to except my payment, so I started a billing error and Mercedes-Benz financial did not respond to my billing error correctly they did not send any of the documents I requested
Consumer complaint received 2023-04-25
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: BARCLAYS BANK DELAWARE (FL)

In accordance with the fair credit Reporting act Barclays Bank account # XXXX, has violated my rights. 
XXXX5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for XXXX purpose. 
XXXX
Consumer complaint received 2022-09-12
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. (VA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : FDCPA XXXX XXXX Violation misleading false reporting XXXX XXXX 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXXXXXX FDCPA section XXXX Violation misleading false reporting XXXX XXXX XXXX XXXXXXXX Account : XXXX FDCPA XXXX XXXX Violation misleading false reporting XXXX XXXX XXXX  XXXX Contacted creditor/Agency ask for proof of validation. It's been more than 30 days and no response. 
XXXX XXXX XXXX Misleading false information This a HIPPA violation you can not report health information on my credit report XXXX XXXX XXXX XXXXXXXX 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXX XXXXXXXX FDCPA false misreporting, Instructions : Update to paid current as agreed. I was never late this is a violation to my rights as a consumer. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

Having been through ID theft, in which the individual opened accounts at credit reporting agencies, I was unable to get my own credit reports. This has been resolved with two of them. However, Equifax will not allow me my credit report because APPARENTLY someone opened a credit card account I am unaware of ; and questions regarding this fraudulent account are part of the ID verification process to gain entry to my report. I've written and called them, explaining the verification questions refer to accounts I have no knowledge of. However, since I can not provide info regarding the accounts they won't even discuss it with me. XXXX XXXX. Help please, how can I get around this to see my own Equifax report, AND see what fraudulent accounts have been opened, to dispute them? It's been going on for a number of years
Consumer complaint received 2022-12-24
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: TD BANK US HOLDING COMPANY (NC)

I filed a dispute with my TD Bank credit card on XXXX XXXX in the amount of {$5800.00} against a moving company that was late, damaged my belongings, lost many of my belongings, didn't give me the discount as stated in the signed contract and also overcharged me after my belongings were loaded in the moving XXXX. 
I have given TD Bank all the documentation they request. Have spoken with them multiple times on the phone. Was told twice to expect to see a XXXX balance within XXXX business days. Also they accidentally closed my dispute and then reopened it, only after i called. The last time I spoke with TD Bank about the dispute was in XX/XX/2022 and it was and still is under investigation. In the meantime I have had to make 3 monthly payments of {$170.00} including interest. I was told that I would be credited back any payments I have made once the dispute was resolved. 
Today is XX/XX/2022 and my dispute still has not been resolved.
Consumer complaint received 2023-11-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (FL)

I went to my TD Bank app to check my balances and it would not open to display my accounts/balances/transactions. It popped up a message instructing me to call the TD XXXX number for assistance. 

I called that number. The lady indicated both my checking and savings accounts were 'frozen ' and I would need to physically go to my local branch. I asked her what was the reason for this, and she responded with, " It does not say why ''. 

I immediately ordered an XXXX ( I do not drive ). Upon entering the branch, the teller asked how she could help me. I explained their app would not display my account information and the XXXX number lady " could not provide account information '' and told me to go to my local branch. The teller looked up my accounts and right away told me to have a seat in the waiting area. Within minutes, XXXX XXXXXXXX XXXX of the branch, called me into her office. Upon sitting at her desk, XXXX asked how she could help me. I explained the same thing, that I was unable to access either of my accounts. She looked them up and said, " Yes, TD has chosen to end its relationship with you. '' I was completely shocked and taken aback. I asked why this was happening, and yet again, XXXX said " there is no reason provided. '' I requested my money from my checking and savings accounts and XXXX told me they can not give my money back to me right now. I have over {$270000.00} in their bank between the two accounts. XXXX said TD will be mailing me a letter and, once I receive that letter, I can then request my money, which will be mailed via check. I asked XXXX how long this process will take and she indicated she did not know. 

In the meantime, I literally have NO MONEY to buy food or medicine. This occurred on XX/XX/23, the day before XXXX! Additionally, tragically, my registered emotional support animal was very sick ( I am diagnosed with severe panic disorder and XXXX  XXXX ; I asked XXXX to show her the paperwork I carry everywhere confirming my diagnosis and reliance on my pet as well as call the vet there in her office so she would know I wasn't making any of it up ; she declined to review it ). I had a vet appointment for him that very afternoon. I BEGGED XXXX for at least enough money to take him to the vet. She said there was nothing she could do. 

My pet later died in my arms, XXXX morning at XXXX. TD Bank killed my emotional support pet. It is now XX/XX/XXXX I am running out of food and I am unable to get medication refills. I literally have NO MONEY. What am I supposed to do??!! How do I get my money from TD Bank???????
Consumer complaint received 2022-07-13
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: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX  XXXX
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Karma (MI)

My name is XXXX XXXX almost 5 years ago I applied for government housing finally after waiting that long I received my voucher when you receive your voucher you only have 60 days to find housing and if you dont theyll give you two extensions thats another 60 days well they giving me five extensions total so thats 210 days altogether and I still can not find housing and I did not understand why because Ive never been in trouble So I was a little confused till I got an email saying I got denied because my credit so I started looking into it and I saw my brothers name as far as I can look back XX/XX/2020 his name is on my credit report around eight months ago I contacted the credit bureau and told them the all them high inquiries are not me the lady basically said I had to jump through all these loops and holes come to find out it was really my brother now since I lost my housing voucher that I waited five years for me and my kids are homeless we have nowhere to go we are sleeping in my vehicle I do not know where to turn I lost everything because of this
Consumer complaint received 2022-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2022-07-10
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. (VA)

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 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 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

It is so distressing and you have no idea how bad it is, Im an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.
Consumer complaint received 2022-08-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I sent in multiple letters ( give a date that is back dated about XXXX days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2022-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (TN)

At the beginning of XXXX I was charged twice by the same merchant for the same service. So because the Merchants resolution process could take up to 90 business days I called my Bank Credit Karma Money Spend Account ( MVB Bank ). I notified them that I wanted to file a dispute for the double charge and provided them with the evidence of these duplicate transactions. Upon doing so my account was immediately locked or frozen, then several days later I recieved a notice via email that my account had been provisionally credited for the amount pending the remainder of the investigation. The only issue is that my account remained locked and completely unusable and has since that date. I never received an alert, a warning or a notice that my account was being locked or reviewed. No one contacted me and has not reached out to me since. When I contact customer support I am told the same answer every time. " We can not see any information about your account but it is under review by our " higher team '' and this " Higher Team '' can not be contacted by phone or email. They will reach out to you within 10 business days with a response or resolution about your account. Well its been over 45 days and my account is still locked, all the money i had was in that account and I have a family to take care of. I have since received several emails saying my account is still under review and other emails stating that my account is closed and the money would be sent to my linked external checking account within 5 business days. Still nothing. Still no response or details, this just can not be legal. I need someone to look into this, after reading up on my situation online I can see that thousands of other people have had the same experience. It's time someone puts a stop to this, its not ok. Please advise.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Sent letter and disputed the inaccurate information being reported to credit agency below is letter sent to the furnisher asking them to correct the wromg address or remove the information I am writing you again in regard to an account that you are reporting to the credit bureaus. I have disputed the accuracy of the information you are reporting to both you and the bureau. 

The account is being reported inaccurate information. As the furnisher of this account you are required and can not report inaccurate information to credit agencies. It is my right to make sure you are reporting accurate information. As you know the FCRA 15 u.sc 1681 governs access to consumer credit report records and promotes accuracy, fairness and the privacy of personal information assembled by credit reporting agencies. 

Your information that you furnish to the CRAs must include accurate information as it pertains to the account Correct spelling of name, address, account status history. 


Many times, you update the account when I send a dispute, but you NEVER update the inaccurate information being reported, every dispute mentions the address listed to not be my address. The address listed will need to be updated to reflect my accurate information or you need to remove this. 

I have reached out several times and this has not happened. 

Please correct the information or remove this Best Regards XXXX XXXX
Consumer complaint received 2022-09-28
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)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX  XXXXBalance : {$2200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance XXXX {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$490.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$470.00} XXXX XXXX Balance : {$490.00} ( Original Creditor : XXXX ) XXXXBalance : {$0.00}
Consumer complaint received 2022-09-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mullooly Jeffrey Rooney & Flynn (NY)

From or around XXXX of XXXX I wrote a dispute letter to a collection agency ( Mullooly Jeffrey Rooney & Flyn XXXX ) pertaining to an unknown debt that does not belong to me. ( Case # XXXX ). In my letter I informed them that I dont owe XXXX  XXXX XXXX any money nor do the above acct belong to me. ( Plz see Ex-A ). I also instructed them to cease collections until the alleged debt is verified. 

From or around XX/XX/XXXX oXXXX XXXX I sent a follow up letter to the same collection agency to inform them that they never verified nor validated the above unknown debt that doesnt belong to me. ( Plz see Ex-B & ( b ) ). 

Too date, Mullooly Jeffrey, Rooney & Flynn XXXX, never validated the unknown debt and they are in violation of the Fair Debt Collection Practices Act, XXXX5 USC 1692g Sec. 809 ( 8 ). 

The above firm is still reporting false information to all 3 credit agencies ( Plz see Ex-c ). The false information that they are reporting stopped/interfered with me being able to receive any business funding, refinancing for my home which is now foreclosed, personal loans to help during the pandemic and valuable jobs which consists of a good credit scores etc for hire. 

I am now seeking legal remedies with all applicable agencies identified in FCRA 15 U.S.C. 1681, as well as pursuing civil actions.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (GA)

There is inaccurate information on my credit report. Please remove the following inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/22 ), CREDCO ( XX/XX/22 ), XXXX of XXXX ( XX/XX/22 ) XXXX : XXXX XXXX ( XX/XX/22 ), CREDCO ( XX/XX/22 ), XXXX XXXX XXXXXXXX ( XX/XX/22 ), XXXX XXXX XXXX ( XX/XX/22 ), XXXX XXXX XXXX XXXX XXXX XX/XX/22 ) XXXX : XXXX XXXX XXXX ( XX/XX/22 ), CREDCO ( XX/XX/22 )