davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

First I must say the calls I getting is to fix credit card debts, I dont have a credit card and havent owned one is 33yrs. Ive explained this to the person call be he still calls. He calls from different numbers, its the same person and he has cursed me and has been harassing me for over a year. He calls all hours of the day over into the night, weekends and holidays. He will repeatedly call back to back. Please help me ... ..Im a XXXX yr old grandmother and its really getting on my nerves. Ive asked to be taken off the call list to no avail and I really believe hes getting a kick out of annoying me and other people. He says hes calling from Bank of America so I reached out to them and they say they didnt have anyone making such calls. When he call he will use numbers that has the same area code as mine. Help me please ... .. 
Desperately Yours, XXXX XXXX
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

For more than 21 days I have had significant reduction in all of my credit card accounts which include credit cards with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX. As a result my credit score with XXXX has gone from fair ( XXXX score ) to very good ( XXXX score ) and still even after making several disputes with Equifax and XXXX in regards to my current credit card balance reductions they have not updated my credit score and are making it incredibly difficult to get into an apartment. I feel Equifax and XXXX are being particularly almost deliberately slow to properly update my score to fairly reflect my credit worthiness. XXXX has been thoughtful and fair in adjusting my credit score with their agency in a timely manner as the other two ( Equifax and XXXX ) have been not even after filing several disputes with each of them. Please help me to resolve this as they evidently could care less how their inactions are unfairly effecting me. Thank you for your assistance and support.
Consumer complaint received 2020-07-03
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: CITIBANK, N.A. (NV)

I received emails from the credit bureaus that I applied for a credit card at Citi Bank on XX/XX/2020 but I havent, thats a fraudulent application. I called Citi Bank right away to cancel the application and I explained to them the situation. Please remove the hard inquiry from XXXX, Cbna XX/XX/2020. This was a fraudulent application. Thank you for your help!
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX AND TRANSUNION ARE REPORTING 2 PUBLIC RECORDS THAT ARE DISMISSED AND DO NOT BELONG TO ME. I CONTACTED THE BUREAU AND WAS TOLD THAT FURNISHER AKA XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX HAS CONFIRMED AND ALIDATED THE ACCURACY OF THESE PUBLIC RECORDS ... THEN I CONTACTED COURTHOUSE WHO STATED IN WRINGING THAT THEY DO NOT REPROT OR VALIDATE AND DO NOT COMMUNICATE WITH CREDIT BUREAUS. THEN I CONTACTED BUREAUS AGAIN AND AFTER MULTIPLE CALLS AND A OVER 13 HOURS ON THE PHONE I WAS INFORMED THAT IT IS A XXXX XXXX  WHO PROVIDES THIS INFO TO THE BUREAUS BUT IT IS NOWHERE ON THE REPORT AND NOWHERE ON THEIR SITE. HOW IS A REGULAR CONSUMER SUPPOSED TO KNOW THESE " SECRETS '' THIS IS VIOLATION OF MY CONSUMER RIGHTS ... I CONTACTED XXXX XXXX WHO STATED IN WRITING THEY HAD NO PUBLIC RECOREDS REPORTING IN MY NAME. I RECEIVED A FULL REPORT AND UPLOADED A COPY WITH MY AGAIN NEW DISPUTE TO ALL BUREAUS. XXXX  COMPLIED WITH REGULATIONS AND DELETE THESE ERRONEOUS ACCOUNTS ACCORDINGLY. HOWEVER, XXXX   AND TRANSUNION STILL REPORTING .. I provided XXXX XXXX report stating in writing that I do NOT have public record in my name. I now filed CFPB complaint and will file with FTC and ATTORNEY GENERALS OFFICE ... DELETE IMMEDIATELY THIS IS VIOLATI
Consumer complaint received 2022-12-19
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. (GA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX 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 2020-08-28
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: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

The company portfolio recovery called me trying to collected debt owe. I never spoke with anyone from this company before that call. A contract was never issue. Reaching out to porfolio recovery lack reasoning. making there calls illegitimate and stocking behaving illegal. I clearly have no idea what they are talking about and still they keep reporting this negative account on my credit.
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I XXXX XXXX has been abuse and deceived with the use of unfair debt collection practices, where my right to privacy has been breached. BANK OF AMERICA, N.A. has cause injuries to me by violating the Fair Debt Collection Practice Act that was set into place to protect the consumer from such abuse. On XX/XX/XXXX BANK OF AMERICA, N.A. violated 15 USC 1692i ( b ) by filing sue against me the consumer. Pursuant to 15 USC 1692i ( b ) Debt collectors is not authorize to bring forth any legal action against the natural person ; the consumer. BANK OF AMERICA, N.A. violated 15 USC 1692c ( 3 ) by using representation of an attorney in connection with the collection of the debt. On XX/XX/XXXX BANK OF AMERICA, N.A. violated 15 USC 1692c ( a ) ( 1 ) by the issuance of a SUMMONS/ NOTICE TO APPEAR FOR PRETRIAL CONFERENCE without the prior consent of me the consumer given directly to them at an unusual time and place which known to be inconvenient to me the consumer. Also on XX/XX/XXXX BANK OF AMERICA, N.A. violated 15 USC 1692c ( a ) ( 3 ) by the issuance of a SUMMONS/ NOTICE TO APPEAR FOR PRETRIAL CONFERENCE without the prior consent of me the consumer given directly to them at my the consumer place of employment where such communication is so prohibited. BANK OF AMERICA, N.A. violated 15 USC 1692e ( 13 ) by issuance of documents titled SUMMONS/ NOTICE TO APPEAR FOR PRETRIAL CONFERENCE and COMPLAINT FOR DAMAGES are both false representations and implications of legal process.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to 15usc 1611 XXXX TransUnion and XXXX is criminally committed. They are amiably committed for twofold the proportion of the cash charge according to 15 usc 1640. 

Besides, they are in danger for each fdcpa encroachment according to usc 1692k. I'm mentioning they wipe out this alleged commitment from my customer reports, send portions to me for encroachment. 

Aslo, apologize. 

An alleged commitment being equipped on your " credit '' report is an encroachment of 15 usc 16922b. ( 2 ) it is similarly publicizing to certain portion. Which is unlawful. 

I'm mentioning that you dispense with these Transactions from my report immediately as they are an encroachment of my advantages as an administratively ensured buyer under title XXXX5 area 41. Concerning the records recorded under as a client I'm mentioning a crossing out of these records. 
Cc : Consumer Financial Protection Bureau. 
Cc : Attorneys General Office. 
Cc : Better Business Bureau. 
Cc : State Senate. 
Cc : Federal Deposit Insurance Corporation. 
Cc : Comptroller of the Currency. 
Cc : Federal Reserve System. 
Cc : Credit and Insurance. 
Cc : Federal Trade Commission. 
Cc : State Regulatory Agency
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date opened : XX/XX/16 Balance : {$13000.00}, XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : {$2000.00}, XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/16 Balance : {$0.00}, and XXXX XXXX XXXXXXXX Date opened : XX/XX/2016 Balance : {$0.00}.
Consumer complaint received 2022-12-19
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. (PA)

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.

15 USC 1693 2 Section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the caller number. 

I am not liable for this debt with " XXXX XXXX XXXX '' and do not have a contract with " XXXX XXXX XXXX '' they do not provide me with the original application like i asked.
Consumer complaint received 2020-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

FIA Card Services Full acct # XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX - DECEASED We have been working with FIA Card Services for over a MONTH to get an updated settlement letter with the lien release verbiage that is REQUIRED PER CALIFORNIA STATE LAW. The current letter they have sent does not address the LIEN that is tied to the property as a result of the judgement. We made it clear from the beginning that we needed this verbiage on the letter and we were assured it would be on the letter. -- -- -- -- -WE HAVE BEEN LIED TO FOR A MONTH!!! -- -- -- -- -- Our title company needs to know that once FIA receives payment the lien WILL be released promptly -- - We are not asking you to release the lien early, or before the close of escrow. 

**********This is the same bait and switch language that BAC subsidiaries and its partners used back in the early days of the short sale crisis to defraud consumers. 

**********Laws in California were passed so that if a settlement is reached the debt collector is required to also release the judgement, and therefore the lien, against the property. FIA seems to believe they can receive money for a settlement and then NOT release the judgement AND attempt to extort money out of the DEAD borrower sometime in the future. 

**********According to the reps I have spoken with over the last 2 days THERE DOES NOT EXIST ANYWHERE IN FIAS LEGAL DEPARTMENTS LIBRARY A LETTER WHICH HAS THIS RELEASE VERBIAGE AND THEREBY COMPLIES WITH CALIFORNIA STATE LAW. -- -- -- -- -- -- Time is of the essence, as not only is there an upcoming foreclosure date, but this property also has multiple other liens, including 2 mortgage liens and an IRS lien, all of which have already sent the appropriate approval letters with the REQUIRED VERBIAGE PER CALIFORNIA STATE LAW. XXXX FIA CARD SERVICES IS KNOWINGLY BREAKING CALIFORNIA STATE LAW BY REFUSING TO PRODUCE THE REQUIRED LIEN RELEASE VERBIAGE. -- -- -- -- -- This is UNACCEPTABLE. I  want the updated settlement letter for {$690.00} that was promised to us 3 weeks ago with the lien release verbiage that is required per California State Law. 

Attached is the previous settlement letter and the authorization letter showing I am an authorized third party for this estate.
Consumer complaint received 2023-04-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (FL)

After reviewing my credit profile on XX/XX/XXXX. I identified discrepancy with account listed under XXXX XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2021-07-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (HI)

This letter is regarding a collections account on my credit with XXXX  only. CAPITAL ACCOUNTS LLC has not provided validation that an unpaid debt belongs to me. The account number shown on XXXX  is xxx. The collection amount is {$150.00}. Date assigned was XX/XX/XXXX. Original Creditor was XXXX XXXX XXXX. 
The original creditor is no longer in business when I called to ask for validation of debt. 
When I called on date of XX/XX/XXXX to CAPITAL ACCOUNTS to receive clarification, instead of finding the collection agency answering the phone number ( XXXX ) XXXX of CAPITAL ACCOUNTS is actually a call center for XXXX reward cards. CAPITAL ACCOUNTS Website is usecapital.com. Phone number above is listed on their site. Their email also is available on their website and they do not reply. 
I have also emailed CAPITAL ACCOUNTS without receiving a response. First email started on date XX/XX/XXXX. 
If you call the phone number provided on their website stated above, email them, write them a letter. It all leads to nowhere. 
Found Phone number XXXX XXXX XXXX XXXX. Date of first call was XXXX. Rep stated she and I couldnt have access to validation of debt. Rep stated that only sales dept has that info. Told rep my rights to receive proof of debt. She said I did not have those rights. I mention hiring a lawyer or debt company to defend myself. Rep hung up. 
Called back on XXXX. Spoke to new rep. Rep stated that previous rep I spoke to wrote in notes I claimed I was a lawyer. I clarified that is not the case and need a validation of debt. She said no. I asked if I pay this would they take it off my credit. She went silent and hung up. 
Called again XXXX. Called back asked for supervisor. None available. I Explained I have the right to validation of debt within 7 days of contact also that I have been in contact via email for 30 days without a response. Was told they will order it but cant tell me if it will come. 
Also On XXXX Sent usps mail letter requesting validation of Debt to their POBOX. I did not hear back. 
This company has violated my rights as a consumer. I have not received validation of debt. I have called numerous times. Emailed. They have not proven or even tried to prove I owe this debt. I asked if I pay will they remove it from my credit and was hung up on. 
I ask for this collection to be removed and dismissed from my credit. It has been 2 months of requesting verification of debt.
Consumer complaint received 2020-07-03
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. (GA)

There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Names : XXXX, XXXX, XXXX ( XXXX ) Names : XXXX, XXXX, XXXX ( XXXX ) Names : XXXX XXXX ( XXXX ) Names : XXXX XXXX ( Experian ) Names : XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX ( XXXX ) The following accounts are reporting inaccurate credit status : XXXX  - Date Open : XX/XX/XXXX ; Bal : {$0.00} ; I was never late ; ( XXXX, Experian, XXXX  ) XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( XXXX, XXXX  & Experian ) The following accounts is reporting as a result of Identity Theft or Fraud : UNKNOWN - Date Opened : XX/XX/XXXX ; Bal : {$160.00} ( XXXX  XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( XXXX  ) UNKNOWN - Date Opened : XX/XX/XXXX ; Bal : {$220.00} ( XXXX  )
Consumer complaint received 2023-06-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NV)

This complaint is in addition to complaint # XXXX Wells Fargo sent me a check for {$35.00} for most recent multi-billion dollar settlement stating the check was for 1 or more overdraft fees. I filed a complaint with CFPB reference # XXXX. 
After complaint was filed a representative from Wells Fargo called to try and arbitrarily work out a settlement as I stated that their was a much more substantial amount illegally overdrafts from accounts. The representative stated she only showed 1 account for me even though I have been a customer since XXXX The representative was harsh and unfair towards the consumer and said she would give me time to try and locate additional accounts. Well I have located additional accounts as well as proof of enrollment in overdraft protection so as to not be charged enormous fees Wells Fargo did not uphold the contract and allowed for numerous overdraft fees as well as closing of both savings and deposit accounts in which the IRS as well as XXXX checks were being deposited. Wells Fargo Never transferred the funds from closed accounts as well as opened line of credits on my behalf without extending credits to the consumer. This is unjust discrimination against Native Americans and should be required to reimburse all funds plus interest dating back to XXXX for mishandling of consumer funds and fraudulent activity. 

Accounts are as follows : # XXXX # XXXX # XXXX Account ending in # XXXX # XXXX
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I had a mortgage with Bank of America ( Account XXXX XXXX ). BofA has incorrectly reported that I was late XXXX and XX/XX/2015. I checked my bank records and I made payments to them for those months and was not late.
Consumer complaint received 2020-07-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

BANK OF AMERICA. 

XX/XX/XXXX : Got text message asking for my authorization of 3 transactions ( XXXX XXXX - {$1200.00} DECLINED ) XXXX XXXX ( - {$1200.00} DECLINED ) XXXX XXXX ( - {$450.00} APPROVED ), said NO and my card was restricted and will be having to get a new one. Login and see that another unauthorized transaction under XXXX XXXX ( - {$590.00} APPROVED ) has been processing. 

XX/XX/XXXX : The - {$590.00} has officially posted to my bank account so I called Bank of America asking for a status update and would be told that I should receive a resolution to this dispute in 10 days. The - {$450.00} was successfully disputed and I got the money back from it. 

XX/XX/XXXX : Temporary Credit of {$590.00} has been posted while they continue investigating. 

XX/XX/XXXX : Another message that my account has been temporarily credited while my claim is being researched. 

XX/XX/XXXX : Claim is in RESOLVED status and Bank of America is saying that the - {$590.00} was authorized and correctly posted on my account, the money will be taken out of my bank on XX/XX/XXXX, will file a complaint to the CFPB tomorrow and call bank of america again to dispute and ask for the documents they relied on to make the decision. 

XX/XX/XXXX : Calling Bank of America as soon as they're online at XXXX CST, I called and the representative said she will file a claim for reconsideration and it will take about 45 days to hear a response, filing a complaint now, was provided no official proof that she filed a claim for reconsideration and still have not received any documents of how they reached the conclusion that I authorized the XXXX XXXX  $ XXXX.