davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (TX)

Flagship Credit Acceptance has lost/stolen two payments and charges late fees. They make collection calls at XXXX XXXX. and XXXX XXXX.. They even make calls at XXXX XXXX and when I call back the machine says they are closed and to call back during working hours. 

I talked to a supervisor today at XXXX XXXX mountain time XX/XX/2022. The checks have been sent via bill pay they are check numbers XXXX and XXXX.
Consumer complaint received 2022-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IN)

I'm writing to you out of pure frustration and desperation. I am in the process of purchasing a home and your company is reporting inaccurate information on my credit report. I have sent your company multiple dispute letters stating that this information is inaccurate, to no avail. Each time Experian has said the company that provided them with the information has verified the data. Even though XXXX has sent me proof they told you guys to delete it ( attached ) I have also sent your company several requests asking for the method of verification and the name of the person that provided the verification and they have ignored each of my requests. 
The account in question is XXXX XXXX  XXXX and XXXX are not reporting this account and I have attached those reports to this email as well. Experian continues to report on my credit report that this account is closed and that this account has multiple late payments when in fact, this is false and inaccurate information.I contacted XXXX Associates and spoke with the supervisor that I worked with previously to handle this account and he stated that no one from your company has ever contacted them to conduct an investigation or requested verification of the status of the account. How did Experian verify that this account has a closed status and/or any late payments? It clearly has not been verified and this account should be deleted immediately, as previously requested I am reaching out to you, as CEO to ensure that this is done. Otherwise, my next step will be to sue Experian for multiple FCRA violations. If an immediate resolution to this issue is not made within the next 14 days, I am also preparing to file a claim with the MO Attorney General 's office. 
Your immediate attention to this matter would be greatly appreciated. 
Thanking you in advance,
Consumer complaint received 2022-07-08
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/XXXX- XX/XX/XXXX : Bank of America has been charging monthly maintenance fee of {$5.00} for keeping balances below {$5000.00}. 

XX/XX/XXXX ( dont remember the exact date ) : I talked to Bank of America via phone and the agent advised me to change my savings account from 'Money Market Savings ' account to 'Regular savings ' account. This would reduce minimum combined account balance to {$2000.00} instead of {$5000.00} ( combined across checking and savings account ). 

XX/XX/XXXX : Bank of America again started charging $ 5 monthly maintenance fee even though my combined bank balance was above {$2000.00}. 

XX/XX/XXXX : Called Bank of America. They say apart from {$2000.00} combined minimum balance, I needed to have {$300.00} minimum balance in savings account. So they started charging {$5.00} from XX/XX/XXXX. I did not receive any communication regarding this change. It should be noted that I did not have {$300.00} in my savings account in XX/XX/XXXX and I was not charged monthly maintenance fee. So I am suspecting they changed the requirement in XX/XX/XXXX. Additionally, the agent did not have a record of my past conversations with them. She also said that their systems show that I did not ever have a debit card - even though I did. 

XX/XX/XXXX : I went to local branch and talked to XXXX XXXX, Relationship Banker at Bank of America. She did not see any record of changing my account type from Money Market Savings Account to Regular Savings account. She said she would investigate and get back to me. Its been more than a month and I have not heard since. In the meantime, I continue to be charged $ 5 monthly fee. 

Issue : ( 1 ) Bank of America is changing minimum balance requirements without notification to its customers and charging fees. ( 2 ) Bank of America not keeping record of account type changes ( 3 ) Bank of America is not keeping a record of conversations with its customers. ( 4 ) Bank of America does not track issuance of debit card. They say I didnt have a debit card though I do.
Consumer complaint received 2021-09-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Comerica (PA)

A checking account was opened at Comerica Bank in my former name of XXXX XXXX using my SSN and date of birth. 

I never opened an account at this financial institution. A fraudulent check was deposited into this account and the check did not clear. The account was flagged as fraudulent by Comerica Bank and closed. I was notified of the activity through USPS mail.

I reported this to the Fraud Department at Comerica Bank and opened a police report with the local authority. Report is XXXX. 

Regards, XXXX XXXX XXXX ( formerly XXXX XXXX ) XXXX XXXX XXXX XXXX PA XXXX
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I requested a FREEZE and a credit report from TransUnion due to fraudulent activity. I was sent a PIN code that did NOT work in their system. They told me to keep trying. After 4 attempts I stopped. PIN never worked through their phone service. I spent over 3 hours on the phone trying to get them to allow me access over the phone. Additionally, they would NOT change, add notes or take any information regarding the fraudulent inquiry on my credit report. First, I spoke to an unknown agent who told me to call Consumer Relations. I asked for her to transfer me and she would NOT transfer me. When I called the number she gave me 4 times, the PIN TransUnion sent me in the letter did not give me access. I called again and when I asked agent for their name they hung up. I called again spoke to Agent XXXX XXXX who said " the PIN works, just tell it to the agent ''. I have always been told and reminded to NEVER give a PIN to someone. I had to tell him the PIN. He said, " it works '' I explained the PIN did NOT work when I punched it in phone system to have access to my account. He told me he could NOT help me with PIN that it worked when I would tell an agent. Regarding fraudulent activity he could not help me. He direct me to file a notice with FTC to remove fraud activity on my credit report. I called back again to address the PIN that TransUnion sent me that does NOT work in their system. I spoke to Agent XXXX XXXX told me to call the police and keep calling back to see if my PIN worked in the phone system.
Consumer complaint received 2021-09-23
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. (FL)

I opened an account with credit strong on XXXX XXXX 2021. 1st bill was not due till XXXX XXXX 2021. I have made a total of 5 payments since that date. That covered XXXX XXXX XXXX and XXXX payments. This company is supposed to help you build credit but they actually XXXX  a deceptive practice and apply your payments to what ever they feel. I was sent statement of account from companyand it shoes clearly that all payments were made and next bill not due till XXXX then they actuall marked me for over 30 when i paid ahead of time. Please have them remove negative marks from credit.
Consumer complaint received 2021-09-23
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. (CT)

I have an account and personal account information on my account that isnt mine. Ive tried to dispute it- I have even had it removed, paid to have it removed and its back on two out of three credit reports. I am on my second social security number because of ID theft and another person with same name And birthday in a different state- her info has shown up on my report for YEARS! I also can not contact the XXXX XXXX which Im trying to dispute. Because i cant confirm the adress and ssn. Doesnt match up with mine.
Consumer complaint received 2022-01-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (LA)

I needed to take advantage of the entire covid forbearance due to the slow in business due to the virus ( I'm a small XXXX XXXX ). Covid for us, did cause Changed Circumstance. I did a verbal consent over the phone. I did know that there would be repayment options. However, I did not know that all options for repayment would cause an adverse action against me. Once the forbearance ended, I was told that I could put a lien on my home and pick up payments where they left off. I was also offered to put the forbearance amount owed on the backend of the loan if I entered a new loan contract. The third option was for me to pay the full {$20000.00} upfront. I denied all of the options and requested a regular payment plan that would not require me to put a lien on my home, create a new mortgage contract or force payment in full at once. I spoke to several representatives and one manager. The very 1st rep told me that she would send out a payment plan and request the repayment plan guidelines be sent as well per my request. The next week, I called to check to see if it had been sent but was now being told that I now have to apply for a normal repayment plan. I was vehemently against having to apply to repay my own mortgage. I argued that it would be incomprehensible to request that someone who had just needed to use a full forbearance relief to be forced to apply to repay. It should be evident that there are financial difficulties. Ultimately, it took about a month to receive the application. By the time that I received the application, I was about ready to submit my written RESPA request. Instead of applying to repay, I just submitted my request. They received the request via registered mail on XX/XX/XXXX. On XX/XX/XXXX, they reported my entire loan amount to all credit reporting agencies, not just the {$20000.00} that was in question along with other requests. They never confirmed receipt of the QWR as required. I only know it was delivered because I sent it registered mail. They are not supposed to report anything during the QWR process. I am being retaliated against for utilizing my rights.
Consumer complaint received 2022-01-14
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. (PA)

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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the XXXXairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX 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 2020-07-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: B&B Funding, LLC (NC)

XXXX XXXX XXXX took over my second mortgage on XX/XX/2019. XXXX billed me an overdue amount of {$1400.00}. XXXX alleges First American Funding misapplied payments via ACH wire transfer payments that Fiurst American collected during the time First American serviced this loan. Further, XXXX alleges this loan was 115 days in areas when transferred from First American. At no time did First American notify me this loan was in arrears. In addition First American set up, maintained, and managed the ACH wire transfers, and at no time did First American report any problems whatsoever. First American never reported any negative account information to me or to any credit reporting agencies.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' so if that's the case. How did the credit bureaus verify my bankruptcy as 100 % accurate. they never did a fair investigation according to the 15 USC 1681.XXXX XXXX also sent me a letter stating " There is no bankruptcies reporting on my credit report. 

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term " investigate consumer report '' means a consumer report or potion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. states I have the right to privacy.

According to : 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.

According to : 15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Hi my name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. I have an Affidavit of notice of right to rescind for an XXXX XXXX XXXX. I have attached the documents and proof of fraudulent activities.
Consumer complaint received 2022-07-08
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: Upgrade, Inc. (TX)

I am a victim of identity theft. I have contacted Upgrade since last year and they refuse to resolve anything. They can not provide validation of the debt and continue reporting a negative tradelineon my credit report. If they can not provide the following information, I want the negative tradeline to be removed from my credit report. 
Upgrade, I demand the following : It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

1. That Upgrade Inc is complying with all applicable Federal Reserve Policies and Procedures, Federal laws, and State laws requiring the use of Generally Accepted Accounting Principles and Generally Accepted Auditing Standards for all bookkeeping entries associated with performing the Agreement. 

2. Audited bookkeeping entries showing assets/liabilities for the account in question. 

3. Copy of form 1099 filed by Upgrade Inc regarding the account in question. 

4. Copy of insurance policies associated with this account. 

Please do not confuse this request with a request for copies of any billing statements or a request for copies of any standard cardholder agreements. This is not such a request. Providing those items will verify nothing without the other requested documents.
Consumer complaint received 2022-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

I am filing this complaint because LVNV FUNDING has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Consumer complaint received 2022-01-14
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF NEW YORK MELLON CORPORATION, THE (WA)

Hello Representatives of the CFPB : I have waited with no response - from the agency you had forwarded the original highly egregious issue with BNY MELON ( XXXX ) XXXX Savings Account card fraud. Nothing!!! No one has contacted or corresponded about the issue or any type of action! What is going on?? How can people trust any banking system if you can't even get help with an HSA card? I have the total numbers and dates recorded with the XXXX supervisor on exactly the dates and amounts which add up to : {$350.00} in fraud charges. BNY Melon and XXXX show zero fiduciary responsibility here.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

XXXX lease turned in early. I was advised Id get a bill or credit once sold at auction. Months went by, nothing. In XXXX when refi my house I noticed on credit report XXXX XXXX saying I owe {$35000.00} or something in that ball park so I filed dispute. Dispute came back balance reduced to {$1900.00} but they marked me as being late for a year almost when I had no idea about the balance. They never communicated with me via email, phone call, fax, certified letter, or a letter at all. Id like to pay them what I owe but I want the negative falsely reported info removed from my credit profile.
Consumer complaint received 2022-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (OH)

I have an online friend whom Im close with. Someone made an online account pretending to be them and asked me for money. I sent {$75.00} Using Zelle. After I sent the money I double checked the accounts on XXXX and confirmed that I had been tricked. I called the bank right away to cancel the Zelle payment but the customer service rep said it was too late and I had to wait for the money to go through, and then I could dispute the payment. I disputed the payment the next morning, and today I get a letter in the mail from the bank saying that they do not think there was fraud and so they wont refund the money that I was tricked out of.
Consumer complaint received 2022-07-03
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. (IL)

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 an account without my written instructions
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NY)

I believe I am a victim of identity theft. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. I disputed the fraudulent information on AMEX from my credit report and 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 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Finally, there is no name associated with this file & needs to be deleted due to inaccurate info. Please investigate and remove it from my personal credit file. Thank you. 

( AMEX XXXX )