davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I did a transfer for {$630.00} from my Bank of America Account to my XXXX account. After several days passing by, I noticed that transfer never made it into the account. I immediately contacted XXXX and filed a claim, I also did the same for Bank of America. On XX/XX/XXXX I did another transfer for {$310.00} from Bank of America to XXXX. The same thing happened and that transfer never made it into the XXXX account. I did the same steps of filing a claim with both banks. 

I uploaded supporting documentation to show that I had the money in my Bank of America account and also uploaded my XXXX statements to show that those funds NEVER made it into that XXXX account. 

To my surprise, on XX/XX/XXXX and XXXX Bank of America authorized a fund reversal for those XXXX amounts of {$630.00} & {$310.00} from XXXX, putting the account into the negative. When contacting XXXX about this they informed me that I would have to contact Bank of America since they authorized the fund reversal. After numerous weeks of being told one thing and being hung up on multiple times, I spoke to a supervisor named XXXX on XX/XX/XXXX at XXXX am from Arkansas. He informed me, on a recorded line, that Bank of America did authorize a fund reversal since on their end it showed XXXX completed transactions into the XXXX account. I told XXXX that I do not understand how that made any sense, the funds never were deposited into the XXXX account so why would Bank of America do a funds reversal?? He said that its because it showed completed on my Bank of America account. I uploaded statements and documents showing that yes, although the transaction was completed the funds never made it to their destination, therefore by doing a fund reversal we lost over {$940.00}. 

XXXX informed me that both claims had been closed and that there was nothing else Bank of America was willing to do. XXXX told me that since this issue happened with Bank of America there was nothing that they could do. I have exhausted every possible avenue that I could with both Banks, and neither is willing to admit their fault in this situation. I just want that money returned back to XXXX. I am not certain why those transfers never got deposited, XXXX XXXX agent suggests it was a glitch in the system. However, that glitch has cost my family a great amount of pain and struggle.
Consumer complaint received 2020-04-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

After reviewing the credit report, there are a number of issues regarding the unfamiliar derogatory accounts on the credit file. XXXX XXXX XXXX account XXXX has medical bills that are unfamiliar. Account has updated the status of XX/XX/XXXX, however, the date of service is different. Due to the LAWS of JACHO institution offers financial assistance when patients experiencing hardship. XXXX XXXX XXXX received financial hardship forms regarding balance. When the follow-up appointment, i was informed debt was satisfied.
Consumer complaint received 2019-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MA)

Closed a Mortgage with New Rez financial on XX/XX/XXXX. New Rez was in possession {$2300.00} and XXXX for the purposes of Escrow while the Mortgage was still active. Since we closed the loan on XX/XX/XXXX New Rez has repeatedly failed to return the Escrow amount to us. They have not sent a check or done a direct deposit despite weeks of daily follow ups with support staff and managers. They have repeatedly told us they would mail a check or issue a direct deposit but we have not received any money. This is along with repeated instance of being told they will " call us back '' and never doing so and managers who provide us with direct line phone # 's that do not work.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion continues to report negative information on my credit report. I have disputed several times to no avail. They are in violation of the FCRA. These accounts do not belong to me they are fraudulent or inaccurate.
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

XX/XX/2020-I purchased an electric stove/range unit from Best Buy. It was damaged, but the merchant refused to take it back. This was the case even after I informed the Senior Executive Resolution Specialist at Best Buy that by selling me a defective and non-conforming stove, they were violating the implied warranty of merchantability under Article 2 of the Uniform Commercial Code. The charge was {$1300.00}.

XX/XX/2020-Unable to get any response from Best Buy, I contacted my credit card company, Citibank, to start a dispute case. Citibank issued me a conditional credit of ( {$1300.00} ). 

XX/XX/2020- A credit of XXXX XXXX XXXX was issued. Best Buy finally agreed to take back the damaged stove. Best Buy picked up the stove on XX/XX/2020. Since I was just glad to put an end to the whole incident, I did not object to the small difference of {$19.00}. 

As the email in the attachment indicates, I was advised by Best Buy to contact my credit card company Citibank, as there were now 2 credits on my statement. I contacted Citibank and we agreed for Citibank to reverse its prior conditional credit and to close the dispute. 

XX/XX/2020-I was charged under Best Buy for {$1300.00}. I called Citibank and verified that this was for the reversal of the prior unconditional credit. It was what I expected to take place as mentioned before. 

At this point, I have a net charge of {$19.00}, after accounting for the two charges and two credits. The small charge was fine with me, as mentioned. 

HOWEVER- XX/XX/2020-Best Buy recharged me {$1300.00} for the stove which I returned. 
When I contacted Citibanks dispute department ( over 3 times, with each wait time averaging 1 hour during this very unsettling Coronavirus hardship period ), I was told by them that since I agreed to close the dispute, there was nothing they would do to assist me further.
Consumer complaint received 2020-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MN)

I contacted my mortgage servicer, Freedom Mortgage by phone on XX/XX/20, for informational purposes only, to see what programs they were offering during the COVID-19 pandemic. I was not late nor delinquent in my mortgage payments. I spoke with XXXX, Rep # XXXX, she told me about the forbearance plan. I stated I did NOT want to be on a forbearance plan. I received a letter from Freedom Mortgage stating I was approved for a 3 months forbearance plan, and while on this plan my property would be subjected to one or more inspections, any payment I sent would be held in a suspense account and applied only after all fees related to the forbearance plan had been settled. I immediately called and spoke with XXXX, ID # XXXX and explained I did NOT consent to this, he said he would cancel it. It has not been canceled, the payment I sent has NOT been applied and I am afraid I will lose my home due to being placed on a forbearance plan. I can not afford to pay fees or costs associated with a plan I did not ask for. It is reprehensible the government has " removed hurdles '' for the mortgage servicers thus putting hurdles in the consumers way. The mortgage servicers will find a loop hole to charge us consumers fees, they always do. Please, please help me get OFF this plan before I lose my home to this. The stress of this situation has affected my physical and mental well being, strained my personal relationships as well as the ability to do my job. I have spent hours on the phone, and writing letters, I sent a Qualified Written Request Letter to no avail. I wonder how many others is this happening to?
Consumer complaint received 2022-06-17
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: Southwest Credit Systems, L.P. (FL)

Dear CFPB Staff, Southwest Credit XXXX is reporting fraudulent information on our credit scores with the various Credit Bureaus. 

They are attempt to collect a {$300.00} from XXXX. That is an error or outright fraud as the device in question was long ago returned to XXXX.
Consumer complaint received 2020-08-04
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. (TX)

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. These inquiries listed below was not authorized by me. 
These lenders have accessed your credit file : XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 Per Section 611 of  the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully,
Consumer complaint received 2017-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

An address was updated that is not mine. It is from a scam loan servicing company that I am trying to stop payment for. They promised to give me student Loan relief but I received a letter from federal loan servicing and they have not recieved any payment from them or me. I have stopped these payments through my bank account. And I am in process of trying to get ahold of them to try and get my money back. I have no further dealings with them as I am now paying off my student loan directly through the government website. I would like this information taken off my credit report.
Consumer complaint received 2022-06-17
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: Bull City Financial Solutions, Inc (NC)

15. USC 1681 section 602 A state ... .I have right to privacy ... .They violated this 15. USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. 

15, USC 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector this includes phone calls and letters in the mail ... ... I have changed my number twice.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (VA)

Hi, I chatted to understand why I was charged interest and asked for the interest to be waived. I was told the interest was a rolling interest that started in XXXX, which made sense to me. When the rep tried to waive the interest, he advised me that after running my account through a system, my interest waive request was denied based on several factors such as payment history, spending, past requests, etc. 
I asked him specifically why my request was denied. He again stated that there were several factors considered as outlined. 
I am concerned that American Express is using my financial information and habits to make a decision that impacts me financially without giving me a reason for denial or outlining exactly what was considered in their decision. When I pressed, the representative exited the chat, thus refusing to answer any additional questions.
Consumer complaint received 2022-06-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: E Mortgage Capital, Inc. (CA)

This is not the company the borrower applied with, they purchased a trigger lead from the credit bureaus ( which is legal ), however the phrasing in their text message to the borrower is deceptive and misleading. And there's no acknowledgement that this is not the lender they applied with.
Consumer complaint received 2024-12-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (TN)

Receive repeated daily phone calls from Sunrise Credit Services asking " if this is XXXX XXXX please press XXXX '' over and over again. The caller also advises that we should call XXXX. The message is a recorded message. 

This call is automated and comes in daily between XXXX XXXX and XXXX XXXX  XXXX. 
These calls started on XX/XX/year>. 

We received these calls on : XX/XX/year> from XXXX at XXXX XXXX  XX/XX/year> from XXXX at XXXX XXXX XX/XX/year> from XXXX at XXXX XXXX  XX/XX/year> from XXXX at XXXX XXXX  XX/XX/year> from XXXX at XXXX XXXX   XX/XX/year> from XXXX at XXXX XXXX  XX/XX/year> from XXXX at XXXX XXXX  XX/XX/year> from XXXX at XXXXXXXX XXXX XXXXXX/XX/year> from XXXX at XXXXXXXX XXXX XXXXXX/XX/year> from XXXX at XXXXXXXX XXXX
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XX/XX/19 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additionalclarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty daysbefore the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

i have submitted this complaint to this company and have not received the desired results. Based on the information provided, this company should remove all late payments listed in the documents provided. According to 15 usc 1681b, My written instructions are necessary to furnish this information and to also create change where i see fit. Please assist myself and this company with remedy, this is indeed my FINAL attempt at civil mediation.
Consumer complaint received 2022-06-17
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. (AZ)

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 an account without my written instructions
Consumer complaint received 2022-06-17
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. (OH)

In accordance with the Fair Credit Reporting act, USDOEXXXX, 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 2022-06-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: American Location Specialists (SC)

XXXX XXXX called me on XX/XX/XXXX at my job about a debt. I asked him to contact me on my cell after work, he did not call. Then on XX/XX/XXXX he called me back but I was not able to call him back by XXXX, my plan was to call back as soon as off today before XXXX to discuss what was happening. on XX/XX/XXXX XXXX decided to harass and call my main job multiple times as well as the company 's owner, he was very rude and harassing to my co-workers as well as discussed and told them he is trying to send over wage garnishment paperwork specifically for me. He also told them he tried to serve me papers 3 times to no avail which is not true, nor have I received ANY documentations of this supposed debt which I need due to all the scammers trying to steal money that is not owed to them. Due to him telling them all this they decided to ask if this has been processed through the court system which he replied yes and to check with our local courts. They called to let me know if all this so I called our local magistrate which said if I did have wage garnishments, they would be the ones to serve the paperwork, not someone in NY. They then did a search and said that no one has any pending or past cases towards me. This person is harassing my job and coworkers while telling them these things about me all while I have no documentation as to why or what he is saying is owed as nothing has been mailed to me or brought to my attention.
Consumer complaint received 2022-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (TX)

XXXX, a subsidiary of XXXX XXXX, placed a collection item on my personal credit report for a commercial relationship with no personal guarantee. The amount was for {$59.00}, and the account has never been delinquent according to XXXX 's web site. The collection item was placed on XXXX 's behalf by MRS Associate/MRS BPO ( www.mrsbpo.com ). This is an abusive practice that is intended to bully a non-responsible party into paying. Moreover, XXXX  is fully paid and operational, and any outstanding payments were satisfied long before MRS reported the collection item to credit bureaus.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I am making this complaint against XXXX, Experian, and XXXX. 15 U.S.C. 1681 section 602 ( A ) states I have the right to privacy. I have just recently tried building my credit and have just seen my full report for the first time and there are accounts on my credit report that are inaccurate and in direct violation of 15 UL.S.C 1681 section 604a Section 2 states a consumer reporting agency can not furnish an account without my written instructions. I have unauthorized inquiries and fraudulent address and names that are incorrect or not associated with me and want removed from my credit report. 15 U.S.C. 1681 n civil liability for willful non compliance any actual damages sustained by consumer as a result of failure or damages ( {$1000.00} ) please remove an provide me with exact source where you received this information and an updated refit report after the investigation of these accounts are complete. I want investigation outcome to be sent to my home address. This has seriously hurt me and put me in a position where I will take any legal action necessary to get this resolved as soon as possible. I have been informed that by law you have 30 days to complete investigation. 15 U.S.C. Section 1681i ( 5 ) ( A ) states that if you cant provide proof these accounts must be removed.
Consumer complaint received 2022-06-17
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 2021-11-25
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. (DC)

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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX