davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XX/XX/20 XXXX : Dad & I went to Bank of America XXXX XXXX XXXX & met in-person with XXXX XXXX ( Manger ) to transfer funds from his Saving Account to a new Checking Account under my name ( I am responsible for nearly all his financial matters -- POA ). The above handled the whole transaction of nearly {$22000.00}. I have the paperwork & deposit slip. 
XX/XX/20 : I received 1st statement of new account. Beginning Balance : XXXX ; Withdrawals/Subtractions : XXXX ; and Ending Balance : XXXX. Attempted to contact anyone at BofA by phone & email -- no response. Called the XXXX number on the statement -- found that Dads Savings Account had XXXX  dollars & the new Checking Accoiunt also had XXXX dollars. 
XX/XX/20 : Attempted to contact BofA again by phone & email -- no resaponse. 
XX/XX/20 : Attempted to contact BofA by phone again -- no response. Later that am I had a voice mail from Manager -- does NOT know what happened to the money, how, or why. This was verified by me by phone -- I was told 'check-is-in-the-mail '. 
Neither Dad nor myself have received any communications from BofA by phone, mail, email, text. Nor do we know what happened to the nearly XXXX XXXX dollars. Neither of us has received any 'check-in-the-mail '. 
I believe an outside investigation needs to be done -- XXXX XXXX dollars is alot of 'missing ' money that can NOT be accounted for by BofA XXXX Since we were there in-person there should be video available. 
I would appreciate it if you could look into this matter.
Consumer complaint received 2021-08-27
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. (DC)

Two of my three consumer credit reports ( Experian and XXXX ) are each erroneously showing a single 30-day delinquency on my XXXX XXXX XXXX installment loan ( account no. XXXX XXXX, while my XXXX  credit report correctly shows that the account was never delinquent and always paid in full and on time. Moreover, the two credit reports that reflect the erroneous delinquency are reporting it in different monthsExperian shows a 30-day delinquency in XX/XX/XXXX, while XXXX  shows a 30-day delinquency in XX/XX/XXXX. This account was never 30 days ( or any number of days ) delinquent in either of those months or any other month. Rather, the account was fully paid off, on time, without a single late or missed installment payment over the entire life of the loan. 

I spoke with a representative of XXXX XXXX XXXX on XX/XX/XXXX regarding the inaccurate information being reported to the two credit bureaus, and she agreed and confirmed that the information is, indeed, inaccurate according to their own records and that no delinquency of any kind should have ever been reported for my account. She further informed me, however, that she would not be able to correct the error for me, and the only way to get it corrected would be to submit a written request.
Consumer complaint received 2022-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2021-08-23
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Recovery Systems, Ltd (MT)

First and foremost, the debt collector reached me using a spoofed or fake phone number. 
Secondly, this is a medical collection and they contacted me with details of my XXXX  visit. 
Lastly, I have asked repeatedly for their full company name and mailing address and for verification in writing of the validity of the debt in which they fail to provide.
Consumer complaint received 2022-10-10
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: Commonwealth Financial Systems, Inc. (LA)

Hi, I originally disputed the debt on XX/XX/2022, via mail handwritten letter. I was never notified about a debt I owed with Commonwealth Finance Account # XXXX. I asked Commonwealth fin to verify the debt and I never received a response. I included my updated mailing address in the letter to make sure Commonwealth Finance would know where to respond to my dispute. I also noticed on my credit report a few details didn't match across the credit bureaus which raised some concerns. This is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the letter I also asked, I am allowed under the Health Insurance Portability and Accountability ACT ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to ( XXXX XXXX XXXX XXXX ) for them to release my medical information to a third party. I am aware that the Hipaa does allow limited information about me but anything more is to only be revealed with patients authorization, therefore my request is twofold- validation of debt and Hipaa authorization. Please provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. This has caused my life much financial damage so if the debt isnt validated within 30 days please have it removed ASAP.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CO)

I applied for PSLF on the traditional grounds in late summer XXXX. The new waiver program was announced in early XXXX. On XX/XX/2021, I received an email that stated my payment count would go up by at least 33 payments ( outside of the XXXX payments I made that qualified my for loan forgiveness under the prior rules ). On XX/XX/2021, I received a letter that stated my loan balance was forgiven. I did not get any refund for the extra payments, nor are the payments visible on my Fedloan account. I filed a case on the Studentaid.gov website regarding the lack of refund. I received a reply stating that I would not be receiving a refund.
Consumer complaint received 2020-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My checking account money was stolen about {$3000.00} due to fraudulent withdrawals. Bank of America is still not willing to refund the money, 1. I had unemployment benefit from California employment development department ( XXXX XXXX. My account is managed by bank of America ( BOA EDD ). 
2. Between XX/XX/2020 to XX/XX/2020, the account money was stolen due to fraudulent withdrawals, and the total amount is XXXX. 
3. BOA made adjustment credit on XX/XX/2020. 
4. Then BOA took out all credits without any reason on XX/XX/2020. 
5. I tried to contacted with BOA and made dispute to refund the stolen money, but BOA never respond my request. 
5. I contacted with CA assembly women XXXX XXXX on XX/XX/2020 for help. 
6. I also filed the police report on XX/XX/2020 with XXXX Police XXXX through XXXX XXXX XXXX. 
7. Assembly assistant, XXXX XXXX contacted with XXXX. They suggest I can contact with CFPB and file complaint case for BOA. 

Please provide help. Thanks!
Consumer complaint received 2022-02-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-20
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

since Champion Mortgage is the servicer of our reverse Mortgage we have had many issues with them. we originally took out the reverse Mortgage through XXXX just to pay for property taxes. our home is worth 1.2 million and each year that we fax and request for a withdraw request we get the run around. this Company must be investigated thoroughly as there are hundreds of home owners been experiencing shady practices. a simple XXXX review of this Co should be enough for your agency to be alarmed! i have contacted HUD and was transferred back to this agency. we are tax payers and demand to be protected by our Gov. agencies to pursue each complaint. 
I was told earlier that Champion Mortgage responded to your agency with lies and more lies and that the case is closed! im requesting an opening of another investigation as they lied in their letter and once again, a simple review will show U. evenXX/XX/XXXX has a rating of " F '' for champion Mortgage
Consumer complaint received 2022-06-14
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. (CO)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (NV)

On XX/XX/XXXX I deposited a check of {$5300.00} issued by XXXX for a vehicle I trade in/ sold to them. US bank did not honor not even the {$220.00} and they hold all the funds. I spoke to different agents asking why they were not honoring the funds as it showed on my account the check as deposited and not pending. They couldn't respond to me. I asked multiple times I needed a reason of why they will hold the funds and make an exception with me and not honor any portion of the check or the {$220.00} that usually tha banks does. They said they couldn't tell. They sent me several times to the branch the branch kept saying the hold was not from their end and that US bank reps or fraud department send you to the branch when they don't want to deal with the customer or provide with true information. I explained to US Bank that I needed a valid reason as XXXX was supposed to issued the check over 2 weeks before they did and that I needed the funds asap for a family emergency. 

On Friday XX/XX/XXXX XXXX at fraud department with US Bank told me that XXXX was holding the funds until XX/XX/XXXX. I went to XXXX on that same Friday and they said the funds were not on hold. I went back on Monday, and XXXX said that their corporate office confirm the funds were released to US Bank on Monday XX/XX/XXXX I called US Bank again, as none of the reps returned my calls as they promised including the branch manager, and they finally admitted the funds were not hold by XXXX but for internal purposes US Bank needed to hold the funds until XX/XX/XXXX and there was nothing they could do to expedite the funds. I explained the purpose of the urge on need of those funds and the rep that assisted me today said unfortunately it is an internal decision and I won't have access to the funds until or after XX/XX/XXXX XXXX XXXX XXXX XXXX @ US Bank XX/XX/XXXX XXXX XXXX US Bank XX/XX/XXXX - No call returned XXXX @ Branch - No call returned She apologize for what her teller stated and she will reach out the Fraud department to find out the reason of the bank holding the funds and will call me back XXXX XXXX US Bank Branch The account is new and the bank needed to build trust on the firsts checks deposits and when the XXXX & XXXX numbers don't want to deal with a client or when they don't know what to say they just keep sending clients to the branch but what they told me is not true. The hold is not coming from the branch and there is nothing they can do. 

XXXX @ US BANK XXXX - XX/XX/XXXX XXXX is holding the funds and that is why they don't release them XXXX XXXX XXXX Ext XXXX XXXX XXXX US Bank Fraud - She apologize for the inconvenience, the XXXX from XXXX are showing processed but it takes XXXX for US Bank to release the funds to me. She doesn't know why but the release date will remain the same XX/XX/XXXX and there is nothing they can do because the hold it is already on the system XXXX XXXX XXXX Ext XXXX
Consumer complaint received 2022-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (CA)

I received a notice from PayPal that a purchase from XXXX had been made from my PayPal account on XX/XX/XXXX, but I thought it was spam. Then I noticed a withdrawal of {$530.00} from my XXXX XXXX account. I reported and disputed this with my bank and they put a stop payment on the charges. Then on XX/XX/XXXX my bank declined the electronic funds transfer. Then the PayPal collections called me to collect this debt, however, it wasn't me in the first place. Then I filed an online dispute with PayPal claiming that this was fraud. However, they declined it. I then called XXXX asking if they could do anything and they directed me back to PayPal. However, I found out that there was someone using a fake email address, but my same shipping address as mine. I called PayPal disputing the debt, this time saying it was identity theft. They declined it again saying it matched with my past purchase history. I tried disputing it a third time saying that I never got the item because I got a notification saying that it had arrived at my address. The shipping company had given a tracking number and proof of delivery, so it got declined. I filed a dispute with the FTC. I then filled a police report on XX/XX/XXXX. I sent both to XXXX XXXX XXXX XXXX ( PayPal 's collections ) on XX/XX/XXXX. With the assistance of XXXX XXXX, I called XXXX XXXX XXXX XXXX on XX/XX/XXXX to see the status of the my case, they declined it saying to call PayPal again.
Consumer complaint received 2020-11-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I, the consumer, disputed this debt in XXXX of 2020 withXX/XX/XXXX XXXX XXXX After an investigation, the credit bureau concluded that these accounts were incorrect, and sent notification to Midland Credit Management to cease reporting and trying to collect the erroneous account information. Despite notification and removal of the errors by XX/XX/XXXX XXXX, Midland Credit Management has continued to report the erroneous information to other credit bureaus, attempted to collect, and has continued to operate in violation of the Fair Credit Reporting Act, ss611.5Ai. I have resubmitted documentation to MCM, per their reluctant suggestion and would like the assistance of the CFPB in resolving this gross negligence in credit reporting. 

MCM Account numbers : XXXX, XXXX, XXXX
Consumer complaint received 2022-09-13
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-04-24
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)

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY ALSO USED MY ID TO OPEN AN APARTMENT LEASE IN MY NAME. THEY ALSO OPENED UP A MOBILE PHONE SERVICE ACCOUNT AND RECIEVED MEDICAL ATTENTION IN MY NAME AS WELL. I AM WRITING TO REQUEST AND INITIATE A FORMAL COMPLAINT AGAINST EQUIFAX, XXXX, AND XXXX CRA & # XXXX XXXX ON XX/XX/2021 I MAILED EQUIFAX, XXXX, AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNTS FOR WHICH I AM A VICTIM OF IDENTITY THEFT, ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO AN ADEQUATE INVESTIGATION AND/OR FAILED OR REFUSED TO BLOCK USAGE OF THESE ACCOUNTS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITIATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INSPECTION SERVICEFOR OTHER POSSIBLE VIOLATIONS OF THE LAW.
Consumer complaint received 2022-04-23
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 — Investigation took more than 30 days
Company: EdFinancial Services (TX)

I filed a dispute in regards to the inaccurate items in my credit report. It has been well over XXXX ( XXXX ) days and I haven't received any investigation results.
Consumer complaint received 2022-04-24
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. (CA)

In accordance with the fair credit reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 804 A Section 2 : It also states a consumer reporting agency can not fumish a eccount without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Seclion States : no consumer reporting agency may make a consumer report containing any of the following items of information Any olher ad item of information, olher than records of convictions of crimes which antedales the report by more than seven years. 
1 I want the CFPB to publish this description on consumerfinance.gov Account # : XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX
Consumer complaint received 2022-04-23
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I have attempted to reach out to this company multiple times to no response.
Consumer complaint received 2020-12-14
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: Fidelity National Information Services, Inc. (FNIS) (TX)

I have an inquiry on my Chexsystems report that I did not authorize. I am a victim of identity theft. The following inquiry was made without my knowledge or approval. 

XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2019-10-24
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. (VA)

On aprox. XX/XX/19 i submitted a dispute about an account from XXXX XXXX appearing on my credit. Both XXXX and XXXX removed the account from my report because the company did not verify the information. Transunion failed to remove the account even though it was not verified by XXXX XXXX.
Consumer complaint received 2022-04-24
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)

Account # : XXXX Account name : XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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