davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Copy of letter emailed and mailed to Bank of America Card holder services To : Bank of America Maryland Unemployment Benefits Debit Card Cardholder Services From : XXXX XXXX Re : Customer Complaint Date : XX/XX/XXXX This all began when I noticed unauthorized charges via my online account with Bank of America, on XX/XX/XXXX I called into your cardholder services line to report the issue and request to be refunded and a new card. Today XX/XX/XXXX I called back in as I still have not received the new card and spoke to a representative by the name XXXX XXXX XXXX. This representative, while not rude was not educated to assist me and seemed unsympathetic to my concerns. I stated my worry that I in addition to this issue had issues with my local usps carrier and some mail may have been returned and asked if there was anyway she could issue another card. As my fear was the original replacement card that was mailed out on XX/XX/XXXX may have already been returned by the Post Office. 

I was told by your fraud/risk department that my account has been adjusted and a new card will be received within 14 business. It is now XX/XX/XXXX, for days I have been calling, emailing, and constantly been given incorrect information. After being on hold each time for up to 3-4 hours at a time, and then yesterday when your risk department finally answered she claimed she could not hear me and hung up on me! I then had to call all over again and wait on hold again for 2 hours. I was able to speak to a customer services representative who took the time to read the notes on my account and determine no card was ever mailed to me at all!! As your risk team never removed some type of hold which enables your system to issue a call. This was very upsetting to know I have wasted hours, days even, weeks and to find nothing has been done. As I sit here typing this letter I am on hold once again in hopes to reaching someone. This is horrible to make people go through this. While a may not be a actual banking customer of Bank of America, by default I am and should be treated as such. This is the poorest I have ever been treated. Please accept this as my official complaint on how horrible it has been to do business with your company. Today XX/XX/XXXX I have been on the phone on hold for over 2 hours, still waiting to be transferred to the fraud/risk department as they are the only department that has the ability to remove this hold off my account to allow thier computer systems to ship me a replacement card. Meanwhile none of my bills are being paid and I have no other way to access my money. This is so unfair. 

XXXX XXXX XXXX
Consumer complaint received 2022-11-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Carter-Young, Inc. (GA)

Carter Young had one of their representatives impersonating a detective to attempt to collect a debt that was mine, they used vulgar & explicit language. I was verbally molested by a XXXX  representative pretending to be a detective to call and harass me on XXXX XXXX
Consumer complaint received 2021-08-28
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: EQUIFAX, INC. (CA)

I contacted Equifax once in XXXX and a second time in XXXX regarding reporting inaccurate information concerning XXXX XXXX. Equifax is reporting an open date with XXXX XXXX of XX/XX/XXXX. One I have never opened an account with XXXX XXXX and they refuse to send me any kind of contract or documentation with me and XXXX XXXX. Two, Equifax is reporting a last active date of XX/XX/XXXX. How can there be an open date of XX/XX/XXXX and last active of XX/XX/XXXX? Last, Equifax is reporting a date of last payment of XX/XX/XXXX. I have never made a payment to XXXX XXXX and how can there be an open date of XX/XX/XXXX and last payment date of XX/XX/XXXX? Equifax has once again responded that this information is accurate.
Consumer complaint received 2020-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

On this data, XX/XX/XXXX, Freedom Mortgage Corporation ( FMC ) refused my payment to bring the account current. I called in and spoke to 3 people, 2 supervisors, XXXX, XXXX XXXX XXXX? ) & XXXX. Each one of them refused my payment outright. I asked repeatedly for them to take and they all denied the request. I am willing, able and eager to bring the account current yet FMC is using revenge tactics to block stifle this account from being accurately processed.

I am still unable to make a payment online. FMC has blocked my online account since XX/XX/XXXX. I tried again this afternoon to get online and was denied access with no explanation or reason as to why they are blocking my access.
Consumer complaint received 2020-10-15
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. (OK)

On XXXX first 2020 i sent in letters to all three credit bureaus because of the covid 19 i decided to take a look at my reports and found some in accurate information and thirty days had pasted with not one response, so i decided to send in another letter asking the credit bureaus to please send me some correspondence on the matter. I just didnt know what else to do but contact the cfpb. I will be uploading the exact letters that were sent to all three bureaus.
Consumer complaint received 2022-10-25
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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2020-10-08
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: WSFS FINANCIAL CORPORATION (DE)

I opened a checking account with WSFSI believe I set up for XXXX to be paid automatically out of the account. I end up never using that account never find an account or anything so when it finally came down to it being on my credit I checked everything out and did my research and found out that they are charging me XXXX some odd dollars for a original XXXX fee for XXXX which they overdraft to {$38.00}. Then they overdrafted it 53 more times I believeAnd thats where they came up with the amount that I supposed to owe them. Once you open a account and dont find it for 14-30 days it is usually closed. They intentionally overdrafted me 50+ times Ive had accounts with a few banks and never seen anything like this happen. The account was never active So why would they just keep overdrafting me.
Consumer complaint received 2020-10-15
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: OneMain Finance Corporation (CA)

There is an inquiry from this company on my credit report that I do not recognize and it is fraud. I contacted them via certified mail and they did not respond and were not able to remove the inquiry from my credit report. The fact that the inquiry is still on my report is a violation of the FCRA Laws and I will pursue a civil suit if necessary. I want this fraudulent information removed immediately.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-09-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

The account balance was paid in full and closed. Thus far, they refuse to update the account showing as much. Despite multiple disputes with Experian, the account has not been updated and according to Experian, XXXX continues to report an account balance. This is impacting me financially and my ability to secure another loan for a house. In addition, XXXX listed a non-working contact number ( XXXX ) on the credit report.
Consumer complaint received 2020-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  # XXXX In XX/XX/2020, XXXX mortgage, without prior notice, increased my mortgage payment by {$300.00}. When I inquired why, and informed them that a {$300.00} increase, without notice would throw me into a foreclosure situation, They provided no explanation, other than my escrow balance was short by thousands of dollars. I called the escrow department in a desperate attempt to obtain answers, and was transferred to XXXX XXXX in late XXXX, after I acquiesced and scraped together the difference to avoid a late payment fee {$1700.00} ( old payment was {$1400.00} ). Mr. XXXX was courteous and professional and asked me to send proof that my RE tax bill had actually decreased due to my first time FL Homestead application. I sent it to him, and he returned my calls and emails after 2 weeks. He said that he was still working on my issue, but failed to give me an update after another week of waiting. I called today and spoke to XXXX and XXXX ( Supervisor ). XXXX was rude, condescending and unhelpful. She could not tell me why there was a deficit in my escrow account of {$2400.00}, even after my tax bill was reduced by $ XXXX- {$800.00}. I called back and spoke to XXXX and received some encouraging news, but was still forced to pay $ XXXX. XXXX promised that they would perform a new escrow analysis but couldn't tell me when the results would be ready. 

During this very stressful time and in the middle of a life altering pandemic, Shellpoint Mortgage have showed no compassion, leadership or kindness. {$300.00} more per month, without notice could force me into foreclosure. It would appear that the shortfall was their negligence My tax bill is less and my mortgage payment is higher. I contacted my insurance broker and the premiums have not gone up substantially. I need help navigating through this financial calamity. Shellpoint Mortgage have provided no assistance. I would think that consumers would be protected from opportunistic predators like Shellpoint Mortgage. I'm hoping that this agency can assist. 

Thank you, XXXX XXXX
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I submitted a dispute to Experian on XX/XX/2022 about account XXXX XXXX XXXX XXXX. I asked Experian to validate this account. On XX/XX/2022, Experian updated my consumer report basically removing a late payment from XXXX XXXX XXXX XXXX. I never received any information as to how this account was validated. According to 15 U.S. Code 1692g ( b ) - ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Consumer complaint received 2020-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I got approved for the SBA EIDL LOAN, per SBAs eligibility and qualification requirements I got approved as a XXXX XXXX   XXXX. I went through thorough and complete underwriting process and SBA approved me for the loan, I stated that because I am XXXX XXXX and do not have a business account, they stated that it is ok. and they also disburse funds into personal checking accounts for people who are XXXX XXXX and they have no problem. Chase on the other hand froze my account and is requiring me to have an EIN number, when legally I do not have to have an EIN number, and all I do is file a schedule C. They have no right to request such documentation from me when I am working as a XXXX XXXX individual and they are not the ones that are issuing me the loan. SBA is funding and determines qualification and eligibility. I have spoke to countless attorneys, and they all stated that Chase either must reject the funds back to SBA if they are not accepting in a personal checking account, or must release the funds back to me. They have no right to hold my money hostage.
Consumer complaint received 2022-06-04
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act 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 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 2021-10-28
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: Experian Information Solutions Inc. (AL)

Experian states it gets information from third party agency XXXX and the court. I am uploading documents from XXXX stating the bankruptcy was removed. Also court stating it doesnt report information to credit agencies. This is not mines along with the accounts associated with the bankruptcy. The accounts and the public record has been removed from XXXX and XXXX with the same information I am presenting to Experian. My question is why haven't Experian removed it when you state you get your information from XXXX and the court and I am presenting Experian proof it has been removed?
Consumer complaint received 2021-09-14
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. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-11-22
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. (NY)

I would like to be provided proof I consented to these inquirys via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act Section 611 and Section 611 ( a ) of the FCRA, I demand that these items be investigated and removed from my report.

I sent a previous letter to you disputing accounts as erroneous and mailed them certified mail, return receipt requested. I received notice in the mail that you received the dispute letter. It is now a different month and I have not received any proof from you that you conducted a proper investigation or any investigation at all.

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30-day time period.

You must delete all of the disputed accounts from my report. It has been more than 30 days. You must now delete the disputed and unverified inquiries. Failure to do so can result in a {$1000.00} fine per undeleted item. 

-- - XXXX XXXX XXXX, 2021 -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2021
Consumer complaint received 2020-10-15
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. (GA)

i sent out disputes to the credit bureaus about account that are being reported on my credit that were not authorized by me. I lost my wallet a couple of years ago which contained my id and social i believe i have been a victim of identity theft. I have filed an ftc report to document this and would like you to help me resolve this matter.
Consumer complaint received 2022-06-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I was scammed out of {$2300.00}, and my California ID number, and address. 

I was initially recruited by the scammer ( s ) from a post on the XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or XXXX XXXX XXXX, where one member posted that her company was looking for part-time data entry workers. I was contacted by their hiring manager, interviewed over XXXX XXXX and I agreed to work for them, at $ XXXX for XXXX hours a week. Once hired I gave them my personal info, CA ID, phone number, physical address, and email address. 

After that, I was emailed a check of {$2500.00}, and asked to buy software in which the total cost was {$2300.00} ( I sent {$1000.00}, {$500.00}, {$800.00} to several different entities via XXXX, Bank of America ), for a computer which they would send me. However, the check which I was given and had deposited subsequently bounced. 

Before the first check had bounced which took 2days, the scammer ( s ) also gave me another check of {$3800.00} to deposit, because the previous amount wasnt enough for the software needed to do the job. I have not deposited that check.
Consumer complaint received 2022-12-27
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)

I am writing to dispute fraudulent charges on my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a victim of identity theft, and did not make these charges nor did I authorize or approve these accounts to be opened.
Consumer complaint received 2020-10-15
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. (FL)

THE ACCOUNTS AND INQUIRY LISTED DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE AND THEY WERE NOT AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE DELETE AND REMOVE THE ACCOUNTS AND INQUIRY OFF MY CREDIT FILE AS SOON AS POSSIBLE.