davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

( There is an ongoing fraud case with 4 credit cards and so far, nothing has been done. ) I have 3 demand deposit accounts with the bank that the bank froze. If they obtained a court order, I was not notified. I am unable to transfer any of the funds. I have made numerous calls and the credit card fraud dept sadistically wants to punish me and force me to potentially catch XXXX and either get sick or die from it and they are adamant I venture into a branch. I am XXXX XXXX XXXX and vulnerable. I have been a bank customer since 1988 and have lived at the same address. I had preferred status with my IRA account. It just transferred out and I fear the bank will start assessing finance charges to " steal '' my money since they froze my accounts. In my opinion, this is elder abuse and I question the bank 's solvency. 

If I try calling the numbers listed, they refuse to speak to me unless I will risk my life by going into one of their branches. 

I attached a snapshot of my accounts with the bank and the error message showing frozen accounts.
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (CA)

Members of our sales team received XXXX pre-paid gift cards as part of a sales incentive. In California, we are accustomed to cards not expiring w/in a year or if they do expire, we can pay a fee to have the card replaced. As of now, we have 3 employees that can not access their funds. One amount is over {$2800.00}. Omni Card is stating that they are " driven by the contract settlement when the cards we purchased '' and that " the cards that were purchased are not prepaid or credit cards but reward or promotional gift cards. Loyalty, award, or promotional gift cards are not subject to extending expiration dates ... ''
Consumer complaint received 2021-04-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2020, by XXXX XXXX, M, Court Order " Civil Action No : XXXX, I was appointed Trustee of my Trust ( Trust ID XXXX ). ( The original Trustee is deceased. ) Bank of America has refused to acknowledge the appointment. They do not know the difference between a " TESTAMENTARY TRUST '' and a " TRUST ''. They believe that the DECEASED person directed that a TRUST be established FOR HIMSELF AFTER HE DIED!! ) Therefore, they have contended that I am NOT the Trustee of the account in my name " XXXX XXXX XXXX XXXX '', Account number XXXX XXXX XXXX. I have had three conversations with my attorney who had the documents produced. He has more than thirty years ' experience in the field of Trusts, and confirms that the document is appropriate for my appointment. Bank of America REFUSES to give me access to the account. This has continued through contact with multiple employees XXXX email, phone and XXXX XXXX since XX/XX/2020. They are, essentially, STEALING my money. 
Enclosed are copies of ( 1 ) The " XXXX XXXX XXXX. XXXX ( 2 pages ) ; ( 2 ) Page one of the " Last Will and Testament of XXXX XXXX XXXX XXXX page one ) ( Court document XXXX ), wherein Section II directs the establishment of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-08-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2022, I sent a letter regarding inaccurate and unfair items on my report. ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( A ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Please note that you HAD 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ). It has been well over 60 days and still nothing! 
Your FAILURE TO POSITIVELY VERIFY THESE ACCOUNTS has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed. I demand these accounts to be REMOVED before legal action is taken.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (MD)

I contacted Truist today ( XX/XX/22 ) in regards to an unknown payment of {$1700.00}, on XX/XX/22, that was showing up on my account. I had never made a payment for {$1700.00} nor was this payment reported on my XXXX XXXX bank statement. After speaking with a representative, they were not able to give me any information in regards to this payment. After sending the representative a screenshot of the payment that was showing on my Truist account, they still could not offer any information. 

I also contracted Truist in regards to a scheduled payment. On XX/XX/22, I scheduled a payment for {$1500.00} to be processed on XX/XX/22. I called to verify the scheduled payment since the website and app would not confirm the payment. In addition, I did not receive a confirmation e-mail. Although the payment was showing that it had been submitted XX/XX/22, it did not confirm that an actual schedule payment for XX/XX/22 was made. Oddly, the representative was not able to confirm that my payment was scheduled for XX/XX/22. I'm not sure how this is possible being that they have more access to my account than I do. In addition, the representative insisted I use the edit payment option in my portal ; at which time I noticed I no longer had access to this option. I may add, this same scenario happened last month, thus my current complaint to CFPB. It is odd that Truist is unable to resolve these minor customer issues which can ultimately cause financial hardship if they are not able to offer their customers the appropriate level of service in regards to fraudulent activity and misappropriated payments.
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX ( 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 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX ( XXXX XXXX is billing department ) is falsely reporting this FL mortgage as foreclosed. FL is a judicial state. There is NOT a XXXX XXXX granting foreclosure because the account was cured. The deed is in our name and no deed-in-lieu was done. 

1. We purchased a timeshare with XXXX XXXX XXXX XXXX ( XXXX ) in XXXX and were making timely payments up until XX/XX/XXXX. The Covid pandemic caused financial strain due to wife 's unemployment. The company was contacted. 
2. XXXX initiated Notice of Default ( approx. {$4100.00} XXXX through legal counsel in XX/XX/XXXX. 
3. We negotiated payments with XXXX to cure the entire default by XX/XX/XXXX. We did. 
Payment/dates and amounts as followed : XX/XX/XXXX {$1600.00}, XX/XX/XXXX {$360.00}, XX/XX/XXXX {$1200.00}, XX/XX/XXXX {$160.00}, XX/XX/XXXX {$600.00}, XX/XX/XXXX {$260.00} : Other {$100.00} payment was applied to account 4. Timely payments in the amounts of {$180.00} for XX/XX/XXXX and XX/XX/XXXX. The deed is STILL in our name and we still own the property. 
5. Received letter from XXXX dated XX/XX/XXXX confirming the account was in good standing. 
6. Repeated calls and emails to this mortgage lender and their legal counsel have not been of any help. Please help us any way you can! Thanks in advance for your time and attention.
Consumer complaint received 2022-03-02
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. (SC)

I have requested multiple times the deletions of the following items on my credit report because of inaccuracies and missing information : XXXX Account # : XXXX Balance : {$410.00} XXXX XXXX Account # : XXXX Balance : {$1000.00} XXXX XXXX  Account # : XXXX Balance : {$250.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Balance : {$520.00} XXXX XXXX Account # : XXXX Balance : {$0.00} MEDICAL ACCOUNT ( 2 ) Account # : XXXX Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Balance : {$3800.00} My rights as a consumer have been violated under the FCRA because I have NOT heard ANYTHING from the bureaus regarding my disputes and I have sent dispute letters for more than a YEAR at this point.
Consumer complaint received 2022-08-20
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. (AL)

I was made where of an account that is XXXX years old less than a year ago when I finally started looking at my credit report for the XXXX time. Since then I have had it deleted from XXXX  but experience and XXXX at the disputing it multiple times can't get it right. I even have had XXXX say it would be removed and it just hasn't came off yet and it's now XXXX months later.
Consumer complaint received 2022-07-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (TN)

I had an auto loan with Bridgecrest, but refinanced it with XXXX XXXX XXXX. Bridgecrest was paid off on XX/XX/2022, but they will not release my title to XXXX XXXX XXXX. They have given several excuses : XXXX. The title is in a vault and it takes usually 10 days to retrieve it and mail it. 
XXXX. We failed to retrieve the title from the vault and dropped the ball, we are sorry. 
XXXX. We have the title but we need XXXX 's physical address in order to expedite it. 
I provided them XXXX 's physical address on XX/XX/2022. XXXX notified me today that they still have not received the title. XXXX XXXX, if I can not produce a title, they are increasing my interest rate to the maximum allowable rate. This is out of my control because I can't get Bridgecrest to cooperate. I am going to lose my low interest rate on my loan. 
Today, I reached back out to Bridgecrest. They informed me " We never mailed the title because we do not have it, but we can mail a lien release form so XXXX can go to the DMV and get the title their self ''. I spoke with XXXX and they won't do this, they said they have to have the title. Bridgecrest needs to release this title but I can not get them to and the excuses are always contradictory. I feel the Bridgecrest is retaliating because I refinanced with another bank and maybe trying to force me to finance the car with them if I am unable to produce the title to the new lender. I think this is unfair. 

Please help me get this matter resolved since Bridgecrest can not provide me with consistent answers as to where the title is, they will not mail it and they also keep telling me they will but then never call me to tell me there are problems.
Consumer complaint received 2020-06-30
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: JPMORGAN CHASE & CO. (MA)

I was shocked when I reviewed my credit report and found late payment on XXXX, XXXX, XX/XX/XXXX - XXXX - XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My XXXX XXXX  lease was terminated two months early to enter into a new Lease agreement. The Car Dealer Requested a payoff quote from XXXX XXXX, this quote was supplied by XXXX XXXX and was paid off by the dealer. A few months later I received a call from XXXX XXXX that I owe {$110.00} dollars, which I refused to pay because the lease was terminated and XXXX XXXX  provided the Car Dealer with the Payoff amount. On principle I was never late within the 37 months of the lease. This erroneous info was sent to a collection agency. After six different dispute resolution attempts with the credit reporting agencies all failed, this item is on my credit report as a Charge Off and is negatively impacting my Credit Report at an in opportune time. I owe nothing to XXXX XXXX  or any other entity with respect to this Auto Lease. I would like this negative item removed from my Credit History.
Consumer complaint received 2021-05-04
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: Experian Information Solutions Inc. (CA)

There are 8 inquiries on my credit report that are not mine I have not inquired for anything like this or know what they are for I need them off my credit since I have been disputing these since XXXX. 

XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2022-04-01
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: CBC Companies, Inc. (NJ)

To whom it may concern My consumer rights were violated Under the Fair Credit Reporting act 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (CO)

Ive been working with Lexington law on and of for years. But this last time had been the worst ever! I pay like XXXX a month for several months this last time and they hadnt even disputed more than 2 items for the last month I was with them and they had a nerve to want me to pay like XXXX for the months when I canceled it. I even got a letter from one of the companies I disputed back saying I needed to put the account number on the letter cause they couldnt find anything. Also they couldnt pull my XXXX report for several months. So why should I have to pay the full amount when Im not getting all the services they provide.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

This company has broken the law Pursuant to 15 usc 1681 ( a ) ( 1 ) the banking system is dependent upon my consumer report being fair and accurate. After taking a look at my consumer report. I realized that report was inaccurate, and this inaccurate report is unfair to me because i was never notified when this inaccurate information was furnished and i was never notified when during your company 's initial investigation that you were going to report this information Pursuant to 15 us 1681 ( a ) ( 1 ) This gave error has undermining my confidence in your company 's procedure and as a result of this I will no longer be extending credit and if this information is not removed, I no longer want my information reported in your companies database Pursuant to 15 usc 1681 ( a ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused and has ruined my reputation and it has adversely affected my credit worthiness Pursuant to 15 usc 1681 ( a ) ( 3 ) Your company assumed this role. You were not given express permission by me XXXX XXXX!!!! the consumer competent court jurisdiction so not only did you fail in the initial investigation of this information. Youve also assumed this information was valid which is a VIOLATION of my consumer rights.

Pursuant to 15 usc 1681 ( a ) ( 4 ) You did not ensure that the information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this VIOLATED my rights to privacy.

Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate. whether or not it factually took place can be categorized as a transaction that took place between the consumer and person making the report. Which means it should not be included in my consumer report and infract is a VIOLATION of my consumer rights.

Pursuant to 15 usc 1681a ( d ) ( 2 ) ( iii ) In your initial investigation I ws never given the opportunity to deny this information being communicated on my consumer report. This is a infract another VIOLATION!! 
( Please see form attached ) Due to your companies negligence I am demanding each and everything in the attached letter. If each thing I am demanding can not be provided then you are to XXXX and delete this inaccurate information
Consumer complaint received 2021-04-28
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: SYNCHRONY FINANCIAL (NC)

I had an email alert that a new credit inquiry was made from a SYNCB/SAM 'S XXXX on XX/XX/2021. I do not recognize this action or inquiry. I looked it on and it was some kind of credit inquiry for a Sam 's Club credit card. I already called Sam 's club and there is no existing credit account with them and I also called XXXX XXXX about the credit inquiry and was told to file a complaint to remove the inquiry off my credit report. I also want to know if my identity/SSN have been compromised.
Consumer complaint received 2022-10-28
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was denied an extension of credit by CAPITAL ONE AUTO FINANCE on ( XX/XX/2022 ) and on XX/XX/2022, I applied for an auto loan. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer.
Consumer complaint received 2023-06-28
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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