davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Since I received my Escrow Account Disclosure Statement in the mail on XX/XX/2020 I have attempted to reach Bank of America Mortgage customer service. I have attempted too many calls to list here during the weeks since. I have tried calling before XXXX XXXX  CT ( they open XXXX XXXX ET ), at XXXX XXXX   CT and never am told how long the wait time will be. I am on for 60+ minutes. They were going through a system upgrade a couple weeks ago, got someone on the line, and was told to call back the following " Monday '' and I will be able to speak to someone. 
I need to speak to someone to help me with a payment for my escrow account to prevent my monthly mortgage payment from going from up to an amount I can't afford each month. Well, that amount has gone up because " I '' didn't meet the deadline ( this wasn't my fault ). They don't answer their phones!!!!! 
Also, I contacted the mortgage department during XXXX of this year to look at refinancing, spoke to a mortgage officer who was in XXXX, gave her all of my personal information over the phone and she NEVER called me back. Very unsettling. 
This is a very simple request and they make it so hard. 
I don't care how many mortgage loans they process. They can do better than this. I would never refinance or finance amortgage if I knew it would be with B of A. 
I tried to go online but didn't have an account set up and now have to wait for a letter to come in the mail so I can access my account. 
I am concerned for their employees and for their borrowers in a much worse financial situation who have to deal with this. 
This has been the most frustrating customer service experience ever in my life. I understand much of this is due to COVID 19 but mortgage companies have got to be better than this.
Consumer complaint received 2021-09-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was a victim of identity theft. The person ( s ) had opened a Capital One account in my name in which a Capital One credit card was obtained by this person ( s ). The amount owed on the said account is {$760.00}. I spoke w/ a person from Capital One & made them aware that this wasn't, & could not have been of my own doing because i was incarcerated since XX/XX/XXXX & was released on XX/XX/XXXX. They had me send in proof in which i've done. The said debt was then taken off of my credit report & closed by Capital One on XX/XX/XXXX ( see attached ). But then Capital One turn around & sold this same debt to another entity, which is illegal to do.
Consumer complaint received 2022-03-14
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( 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 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages 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 2020-08-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Hi, I am a customer of HSBCnet and I have a business account, in order to log in to my account I must use a security device that generates pass code, on XX/XX/XXXX my security device went dead, I reported this to HSBC and they promised to ship me a new device. It has been 2 weeks since I requested this device and my business operations completely stopped, I can't pay for merchandise, I can't do anything. I have been on the phone with 3 different CS and all of them told me that my devise should arrive soon but nobody could provide any tracking number. 
I am still locked out of my funds, I have losses and I have to pay penalties for not making timely payments and wires and yet nobody cares about it at HSBC, it is a SHAME!!!
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: First Technology Federal Credit Union (WA)

Fraudulent credit application without my knowledge or consent : On XX/XX/XXXX, I went to the XXXX XXXX branch of the First Technology Credit Union in XXXX, XXXX, to get a cashiers check. The teller asked me whether I was interested in extending my credit limit for my credit card. I declined that offer. She also casually asked if I still worked at XXXX, to which I replied that I now work at XXXX XXXX. 
She then asked me to sign for the check ( on the signature device ), which I received. I then left the branch. 

Two weeks later, I received a letter saying that my loan application was declined. Because I wasnt aware of any application, I went to the branch to find out what happened. 

After talking with the assistant branch manager and the application audit department, we found out that an application submitted for a credit limit extension on my behalf with a fictitious profile ( saying that I am a driver for XXXX with an annual salary of {$30000.00} ). 

We escalated the issue, and it was investigated by First Techs Internal Audit department. Still, besides a promised correction of the credit inquiry, which significantly impacted my credit score, it seems that no further action was taken. The teller who submitted the credit application still works in the same capacity. After raising the concern again with First Techs upper management, they, while claiming to do everything to regain our trust, suggested we could change to a different bank.
Consumer complaint received 2021-08-27
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 — Their investigation did not fix an error on your report
Company: American First Finance, Inc. (WI)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-03-02
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: EQUIFAX, INC. (GA)

During a recent review of my personal consumer credit report, I saw what seems to be some unauthorized and/or fraudulent credit inquiries, as well as ones that were clearly deficient of the compliant demonstrated permissible purpose ( to be kept or disclosed lawfully ), allegedly made by the following Original Creditors. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. Equifax failed to provide a copy of a credit application authorizing the disclosure of my credit files with my signature. If a signed authorization can not be found they are required to remove the inquiries from my credit report. Also, per pursuant of section 604 it indicates the only permissible purpose for inquiries are firm offer of credit, court order, employment and insurance. From my records neither did I authorize these inquiries there is not permissible purpose that applies so therefore Equifax is REQUIRED to immediately remove each and every last one of them from my credit report.
Consumer complaint received 2022-05-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (MD)

First National Bank gave me the pre approval on a home. I went through with the process on closing on the home, then I received the final approval letter for me to close on the specific home. That final approval letter was faulty, because the bank after sending went back and had to look at additional documents that the bank missed. This cost me to lose closing on the house and costs us thousands of dollars lost in my escrow account. The bank never offered to help or anything with this process.
Consumer complaint received 2022-05-04
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: ENCORE CAPITAL GROUP INC. (MS)

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 15 USC 1681 SECTION 602 states l 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 written instructions. 15 USC 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.
Consumer complaint received 2022-01-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Recovery Services, Inc. (CA)

I have been receiving incessant calls from XXXX, Financial Recovery Services , Inc . I receive at least three calls per week. Each time that I receive the call, I have instructed their agents to cease and desist from calling my phone number, and to remove my phone number from their call database. While they tell me that they will, they do not, and continue to harass me all the time. I am requesting that the CFPB takes action against them for failing to respect the law. They are clearly in violation of consumer protection laws, both at the state and federal level.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/XXXX and was accompanied by a dispute submitted directly to TransUnion. The dispute number was XXXX. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my dispute on XX/XX/2021. This is not a delay : this is negligence on the part of TransUnion, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by TransUnion to resolve anything. the DAY after I filed my original complaint, data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2022-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (TX)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-09-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter to TransUnion regarding a public record appearing on my consumer credit report. TransUnion has violated the FCRA and is willfully noncompliant. XXXX supplies information on consumers to TransUnion without abiding by the laws as a data furnisher. XXXX has been the subject of legal action as a result of this illegal reporting.
Consumer complaint received 2022-03-02
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 (NJ)

On XX/XX/22 I paid {$130.00} for 4 international seats to fly on XXXX XXXX. I picked 2 regular seats and 2 exit row seats. I had the worst experience flying from XXXX to XXXX on XX/XX/XXXX. For starters my seat would not recline back. And in addition the passenger in front of me had no mask on and without consideration reclined back his seat for the whole 8 hour trip. I alerted the flight attendant and she confirmed and acknowledged that my seat was broken and offered to do nothing to correct my comfort. Since my layover was 4 hours in XXXX. I went to customer service and asked if I can upgrade my flight to Business Class due to the issues of my seat being broken. They initially quoted me {$200.00}. And under the assumption of the quoted price of {$200.00}. I agreed to pay {$200.00} for a 2 hour Business Class seat and prayed that my seat would recline back for my comfort. But once I got to XXXX I noticed that my credit card was charged {$1100.00} on XX/XX/XXXX. I immediately reported fraudulent activity to TD Bank. I also filed a complaint on XXXX XXXX site as well. Neither parties had did nothing to assist this wrongful issue. I reached out to TD bank. Who in turn left me on hold for over an hour twice then proceeded to disconnect out of no where without getting any resolve. I filed a dispute and they finally said that XXXX XXXX was in the right for charging me {$1100.00} for Business Class. After I explained to them that they had the receipt in written in XXXX and the only language that I know is English. Checking in on XX/XX/XXXX and verifying my two Exit row seats. I noticed they deleted my seats I paid for in the system. I spoke to them at the airport and they were very very nasty and unapologetic about what had happened and did nothing. So Im supposed to let them charge me for seats I didnt pick and let them get away with it? I called TD banks numerous times to reopen both disputes and both times they said a manager would call me back. This is day 6 and no one has responded back to me. TD Bank is the most unorganized and unprofessional credit card company I ever had to deal with. 

The whole process from me booking my flight with TD Bank with my reward points and for them not to be able to upgrade me to business class like I asked in XXXX has been a disaster. They kept giving me the run around telling me to call XXXX XXXX and XXXX XXXX  telling me to upgrade with TD Bank Rewards Dept.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

lexis nexis reported to the three credit agencies that i had a bankruptcy in my name. i disputed this and they say its verified, but i go to the supposed court house that its with and they say two things. 1 they do not provide information to any third parties, 2. my name and social security and date of birth do not match any of their records. so how can they possibly be getting my information from the courts. they must maintain information through the original company for full socials and date of births.
Consumer complaint received 2022-12-19
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. (WI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXBalance : {$850.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$380.00} ; If XXXX  and TransUnion feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney.SO please comply with the law so this matter can be handled swiftly.
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: EQUIFAX, INC. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-20
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. (OR)

On XX/XX/2020 I noticed a fraudulent inquiry from XXXX XXXX. I called to request XXXX remove it and they said they would. I asked that ALL names other than XXXX XXXX and ALL addresses other than my current XXXX XXXX XXXX address be removed. He told me he needed specific names and addresses which I did not have access to. he refused to help any further in order to help me prevent future fraud due to old and outdated information on my report.I filed a complaint with the CFPB and XXXX did NOTHING but copy/paste some cookie cutter XXXX and didn't even try to address my complaint.XXXX and TransUnion were not part of the initial complaint but I am adding them to this one because their online dispute portals are buggy and do not work properly.
Consumer complaint received 2021-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Io, Inc. (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. This account was already PAID. I am no longer indebted to this company or its practices. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

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, Experian and XXXX data breach and may have got into the hands of the wrong person.