davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
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. (PA)

This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$12.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ALLY FINANCIAL INC. (PA)

Scam - On XX/XX/2021, around XXXX, I received text messages from Ally Bank that said as follows : TEXT - " ALLY BANK FRAUDULENT TEXT MSG ALERT : Did you attempt a transaction of {$350.00} @ XXXX XXXX # XXXX case id # XXXX. Reply YES/NO/ Don't want fraud text message alerts? Reply STOP. '' TEXT - " ALLY BANK FRAUDULENT TEXT MSG ALERT : Did you attempt a XXXX transaction of {$5000.00} Reply YES/NO/ Don't want fraud text message alerts? Reply STOP. '' These texts did not seem unusual to me as in the week prior I had been receiving legitimate messages from Ally reporting incidents of others trying to use my funds to make purchases, and so on XX/XX/XXXX I had had my debit card shut off and a new one was being sent in the mail. I assumed these messages were related. The next text told me a Fraud Department representative would be in contact.

I was then called by someone claiming to work for the Ally Bank Fraud Department. This person told me that someone had attempted to withdraw {$5000.00} from my account using XXXX and that, in order to get it back, I would need to retransfer the funds from XXXX back into my own name. This person seemed legitimate as they had access to all of my bank account information, though I'm not sure where they got it from. Following their instructions, I used a secondary email address and I submitted two XXXX transfers for {$2000.00} each into my own name, and I was asked to confirm the confirmation codes sent to my phone, however these transfers did not go to me, but ended up going to someone with a XXXX XXXX account by the name of XXXX XXXX. 

I have been messaging with representatives from Ally Bank since XXXX on XX/XX/2021. I am not able to call Ally and report the fraud until XXXX, which I will be doing. So far the customer representatives have done everything they can to help me, though I am filing this complaint as a way to insure everything is returned back to me in a timely manner.
Consumer complaint received 2021-09-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (GA)

Opened both checking and saving accounts based on promotions that promise XXXX dollars bonus with min XXXX deposit within 30 consecutive days. 

XX/XX/2021 deposit XXXX XX/XX/2021 deposit XXXX XX/XX/2021 deposit XXXX XX/XX/2021 deposit XXXX Call more than 5 times since XXXX for confirming meet the requirement. Customer services have always told me I have met all requirements, and just need to wait. However, keep giving me new days.
Consumer complaint received 2021-09-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Critical Resolution Mediation LLC (MO)

On XX/XX/21 an XXXX American woman left messages for me and also called family members claiming to be from CRM ( Critical Resolution Mediation, LLC ) .. She left threatening messages about needing to do a wage assessment and that a claim was made against me, and that I was listed as the respondent and a warrant was being issued if I didn't call back today. She threatened to call my place of employment and speak to HR. I called the number that she left on the voicemail which was XXXX. This was a bad number, so I called the number that she called both me and my brother at which is XXXX and she answered. I asked about the company name and address location. She asked my name. I told her who I was. She placed me on hold for several minutes and then hung up. I called 4 or 5 times and continued to be hung up on or sent to an invalid message. I continued to call and a white lady picked up. I asked for her name and she placed me on hold. I was disconnected. I continued to call and get hung up on 4 multiple times. I made a total of 13 calls back to back trying to get answers. I got the XXXX lady again. I asked for her name, she replied this is Miss XXXX. I continued to press for her first name and business address. She told me she was calling from XXXX in regards to a bad check from XXXX. I have never written a check for XXXX. She wanted me to confirm my social and I would not. She refused to provide any business information and hung up. I called back and got the XXXX lady again and told her that I knew that this was a scam and that I wanted to know who I was speaking to so that I could report them to the federal trade commission. She said that this was not a scam and placed me on hold. The XXXX lady came on the line again and I asked for her name and business address. She hung up again. They are in violation of multiple laws. I have filed a complaint with the FTC but I only had a phone number at the time. I have also filed a complaint with the XXXX XXXX XXXX which is where I found more complaints. I received phone calls once a week during the month of XXXX. My brother received a call from them on XX/XX/21. They threaten and harass. 

I have blocked this number but they tried calling from a different number. They are harassing me and I want something done about it.
Consumer complaint received 2022-02-19
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. (MD)

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like im 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 30 days gives a reason to immediately remove those items from my credit report it has been over 60 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 data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-19
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. (SC)

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, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-19
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. (NY)

XXXX XXXX collection agency for XXXX  XXXX erroneously placed a collection account of {$510.00} for XXXX XXXX Account XXXX on my 3 credit reports ( XXXX, XXXX, and XXXX ) as per XXXX XXXX letter dated XX/XX/XXXX. 

Conversely, on XX/XX/XXXX XXXX sent me notification stating that final balance of {$510.00} for XXXX  XXXX Account XXXX have been TRANSFERRED to my current XXXX account. {$510.00} for XXXX XXXX Account XXXX is on my currenXXXX XXXX XXXX account. 

This XXXX XXXX collection agency account must therefore be REMOVED from my 3 credit reports ( XXXX, XXXX, and XXXX ).
Consumer complaint received 2021-06-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

Over 30 days ago, I mailed off a Notary Presentment, Affadvavit of Truth, Debt Validation and Cease & Desist Letter, and an Invoice via certified mail in regards to an alleged debt. Nissan Motor Acceptance Corporation received these documents on XX/XX/2021. On XX/XX/2021 I submitted a CFPB complaint in which NMAC responded with nonfactual information.

Nissan Motor Acceptance Corporation is in violation of 15 USC 1605 ( c ). A finance charge is defined as the sum of all charges, 15 USC 1605 ( c ) states that property damage and liability insurance is supposed to be included in the finance charge. Nissan Motor Acceptance did not include my insurance in the finance charge. I had to buy and pay for my insurance separately from the finance charge.

Pursuant to 15 USC 1611, Nissan Motor Acceptance Corporation can be held criminally liable and be fined for no more than {$5000.00} and imprisoned for one year or both for failure to disclose and willfully withholding this information.

Nissan Motor Acceptance Corporation is in violation of 15 USC 6802 which is my right to opt-out. Nissan Motor Acceptance Corporation did not notify me of this right, which is required. Not only did they not notify me of this, but they are also reporting nonpublic personal information to non-affiliated third parties without my permission. XXXX XXXX  and XXXX are nonaffiliated third parties that Nissan Motor Acceptance Corporation is reporting this alleged debt.

Nissan Motor Acceptance Corporation is in violation of 15 USC 1635. 15 USC 1635 is my right to recession. The right of recession applies to any consumer credit transaction in which a security interest has risen. Nissan Motor Acceptance Corporation did not disclose this right to me and is held no only held criminally liable, but also civilly liable pursuant to 15 USC 1640.
Consumer complaint received 2021-06-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Creditors Bureau Associates (GA)

I am writing this complaint to dispute the following accounts : Creditors Bureau Associates Account # XXXX, # XXXX, # XXXXThis agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debit. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. Defamation 2.Negligent Enablement of Identity 3.Violations of 15 U.S.C 1692g May contact information is as follows :
Consumer complaint received 2021-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020, The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( XXXX XXXX home designed credit card ) placed on my consumer report by XXXX, XXXX, and Transunion. Dear debt collector/ credit bureau . I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove XXXX XXXX home-designed credit card accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K.
Consumer complaint received 2021-06-29
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. (FL)

These accounts are not mine and have never been mine. I do not recognize the items, I am victim of identity theft. I am very stressed out because I do not know what I can do in order to remove them from my credit profile. Its killing my financial side. Please remove them ASAP
Consumer complaint received 2021-10-06
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. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I received an email from Bank of America stating that a debit card was successfully opened in my name. I did not nor have I ever had a bank account with Bank of America. I called the company and they confirmed that a debit account was open for me, but refused to give me any information or close the account because whoever opened the account used a phone number that is not mine. 

I was on the phone for XXXX hours and transferred to multiple people including the fraud department. Each time I explained the situation I was cut off or transferred again. The account is open in MY name, MY email address and MY social security number. I'm assuming they have my date of birth as well. Despite me having all this information, Bank of America would not assist me in closing the account simply because the " fraudster '' used what I'm assuming is their own phone number which doesn't match up with mine. 

I just want to close this account because I did NOT open a debit account with Bank of America and it is not me.
Consumer complaint received 2021-10-06
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: STERLING JEWELERS, INC. (IN)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.
Consumer complaint received 2021-10-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (CA)

On XX/XX/2021 I made a purchase with XXXX in the amount of XXXX which posted out of my available balance. Although US bank stated that their banking app operates on real time ; they never reflect the same information at any given time. Attached are two screenshots ( evidence ). This banking institution have been robbing my children and I. 
By inputting fraudulent information into their technological algorithm ; against our POSITIVE balances. This ultimately caused hardship. As a result it is DIFFICULT to make ends meet.. 
I was able to prove it this time however, how LONG has this criminal activity been taken place ; against my children and I, by this banking institution?!?
Consumer complaint received 2021-10-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Self Financial Inc. (MN)

Tengo una queja contra  la compaa  ATLANTIC CAPITAL BANK SELFLENDER Acabo de sacar mi informe de crdito y descubr que se inform un pago atrasado en mi cuenta. Solicito en virtud de CARE ACT una adaptacin porque me afect COVID-19, actualice la informacin tarda para el 09/2020 y el 10/2020 Le agradecera mucho si pudiera cumplir con esta solicitud de eliminar el retraso de mi informe crediticio. Me ayudara enormemente a obtener otras lneas de crdito para poder mejorar an ms mi puntaje crediticio. eh enviado varias solicitudes
Consumer complaint received 2021-10-07
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)

I reported several fraudulent credit inquiries to Equifax I mailed them communication with tracking Via XXXX which is : XXXX Which shows it was delivered on XX/XX/XXXX, however, Equifax did not open this dispute until XXXX, XXXX, XXXX, which is over ( 30 ) days after they received it ( 36 days later, ) and responded to the dispute by claiming the fraudulent inquires were accurate, with no supporting evidence, and clearly no investigation, as they opened the investigation into the fraudulent inquires on XX/XX/XXXX, and closed it on XX/XX/XXXX, which is an unreasonable and seemingly impossible amount of time to thoroughly investigate and conclude that ( 8 ) eighXXXX separate inquires made by different parties on different dates were all valid. 

I supplied Equifax with proof of mailing and a copy of the letter sent to each name/address listed under each inquiry which I did not receive any response each time. 

The inquiries reported to be fraudulent are as follows : XXXX. ) XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX. ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, TX XXXX XXXX. ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. ) XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX. ) XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX - XXXX XXXX. ) XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX. ) XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-07
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

I have been receiving phone calls for months alleging a debt to XXXX. I closed all my accounts after I got married and had no debt. They have also begun mailing official looking letters requesting payment in addition to the phone calls. The company is called afni and is located on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, IL XXXX and phone number is XXXX and www.afnicollections.com
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2021 {$9600.00} After so much wait, my California XXXX XXXX XXXX got delivered but I can't get in. 
EACH TIME I TRIED TO ACTIVATE IT KEEPS SAYING WRONG SECURITY INFORMATION. 
I was at the Bank Of America with two forms of ID 's and got verified, they told me it will be resolved in a few minute but till now I can't access into my card. 
I have bills pending.
Consumer complaint received 2022-06-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

I was divorced on XX/XX/XXXX. I was awarded the home in my name only and my ex husbands name was removed from the deed.I feel behind on the mortgage after our divorce and contacted the company. They said I could do a modification and it would remove my ex from the loan. My ex did not sign the modification documents and his financials were not considered. Once it was finalized, they said I was told by mistake that his name would be removed. 
Now he has taken me to court to get his name removed. I can not refinance because I lost my job due to the pandemic and have only been in my new position for a year. 
I have requested a loan assumption of the current loan and its modified terms and conditions. Even though this is conventional loan..it is assumable under the XXXX XXXX of XXXX that exempts transferred resulting from a divorce from any due on sale clause provision that exists in the mortgage. 
Please see documents attached in reference to my request sent to Carrington mortgage several times.