davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

There may be nothing that is possible to do, but I'm submitting this complaint on behalf of myself and on behalf of anyone else impacted but voiceless : I had a checking account and a savings account with Bank of America. In 2021, during the height of the COVID pandemic, I needed to transfer funds from my savings to my checking more often that is apparently regarded as appropriate for the powers-that-be at Bank of America as my savings account was changed into a checking account -- which was then subject to the monthly maintenance fee. By the end of 2021, in other words, I now had two checking accounts with Bank of America -- both subject to the monthly maintenance fee -- on top of the stress life heaps on anyone during an international pandemic. I want the money they took back. 

There seems to be something distinctly inhumane in this business practice -- and I'm hopeful something can be done -- but more specifically I'm wondering if there was any kind of moratorium on these kinds of " business as usual '' practices during the vulnerabilities of the pandemic that might have precluded an entity from taking punitive measures -- such as penalizing an account holder for transferring money between savings and checking accounts, even if that is Bank of America 's " normal '' policy. 

Please advise.
Consumer complaint received 2022-06-20
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. (IN)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company (IL)

On XX/XX/XXXX I filled a complaint demanding removal of this derogatory mark from my credit due to failure to notify and verification of this debt IM now submitting a new complaint as the mark still hasnt been removed nor has verification of this said debt been sent this is a complete violation of my rights as a consumer IM REQUESTING this mark from merchant credit guide be removed immediately from my credit or I will be moving forward with litigation surrounding this matter if it isnt handled expeditiously REMOVE ALL HISTORY AND ANY TRADE LINES SURROUNDING THIS UNVERIFIED ACCOUNT attached is my original complaint which still hasnt Been rectified! 


For the past XXXX weeks Ive received multiple hang up calls from a credit collection agency named merchant credit guide I never spoke with anyone regarding an account or bill untill I spoke with someone on Tuesday ( not regarding any account regarding the hang up calls ) after being hung up on and told them to stop calling me and hanging up as a consumer Im fully aware of my rights today XX/XX/XXXX I received a notification regarding my credit being hit with a derogatory mark and its from this company merchants credit guide I want this mark removed from my credit immediately as proper steps for notification and validation for this said debt has not been made prior to putting a derogatory mark on my credit IM the ALSO disputing the validity of the bill Im requesting a print out for whatever the said debt is if the mark isnt removed immediately I will be moving forward with litigation as this is a violation of my rights this debt is not mine Ive never even done business with this said company
Consumer complaint received 2021-11-26
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Tower Loan of Mississippi, Inc. (MS)

This Debt was never my Debt, My ex-roommate obtained this loan. 

I explained this to the XXXX XXXX who was contacting me telling me first he was a lawyer, then he said he was going to file criminal charges for wire fraud if it was not paid. He then told me he would ruin my credit if it was not paid. 

So I continued to try and tell him this was not my debt and have been telling him since this all started this was not my debt. 

So this year they hit my personal checking account for this debt and both of my covid19 relief checks were taken. I found out today that the covid checks were not supposed to be taken. the IRS got Towers loans info to investigate. 

But the reason I am writing this dispute is that I keep contacting tower loan headquarters in XXXX about the covid 19 check and the fact they are reporting this wrong. 

So my account was drafted the full amount, but, they have been reporting to all 3 credit bureaus an outstanding balance, wasn't marked as fraudulent, and just recently it was marked from being unpaid with a balance to now it's marked as charged-off with a balance. 

So after talking to an attorney he asked if I had filed this with the CFPB and I told him no so he said I should. He is looking at the fact this is being reported as a charge off now but it's paid in full. 

So depending on what he charges I am looking at taking this to court. I have also filed a complaint with the attorney generals office about him being an attorney and ruining my credit so I am sure they will be sending the CFPB something soon on him aswell
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have repeatedly disputed a fraudulent account opened by someone stealing my identity through Experian. The original creditor is a company called XXXX. I have tried to work with the lender directly and has been unsuccessful. Ontop of that the information to contact them on my report is incorrect and I have to XXXX contact info. 

I have requested Experian BLOCK this information from my report as it appears the creditor is not properly investigating this identity theft. I have provided all required documents to include Police report, FTC Identity Theft report and my identification. I have uploaded these documents electronically and via US mail and Experian still refuses to block the information. They allow this lender to report this fraudulent account and update it monthly with charge offs to destroy my credit. They do not follow proper laws in place for victims of Identity Theft and make it impossible for the victims to move on with their lives. 

I have the same issue with another account through a company called XXXX. Again, someone I have never done business with and is most definitely a fraudulent account opened by someone who stole my identity. I again have reported the matter to the local police and uploaded all required documents like my id, police report, and FTC report. 

My credit is fairly decent and these accounts are not very expensive. It would be very easy to pay a few dollars to clear it up, however these accounts truely are fraudulent. I do not see why I should pay for something that I did not do. On top of that I have had an Extended fraud alert on all of my credit reports for years. With this fraud alert, no new accounts should have ever been opened without the companies following the law and verifing my identity and contacting me with the information listed in the fraud alert.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX Date Opened : XX/XX/2016 Balance : {$32000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CO)

On XXXX XX/XX/2021, I contact the Hilton Honors program to claim my free night as per the credit card agreement and email from Amex on how to request a free night. I was told by Hilton that there were no free nights in the system. I called Amex and XXXX gave me the XXXX valid Hilton free night award certificate numbers, we then went on a conference call with Hilton. XXXX, from Hilton, stated that the numbers Amex was providing were not valid. On XXXX XX/XX/2021, I contacted Amex again and was told they were investigating. On XXXX XX/XX/2021, I contacted Hilton and they again said they numbers from Amex were invalid. What is the point of having a co-branded credit card with Hilton if Amex does not provide the free nights as promised? On XXXX XX/XX/2021, I again contacted Amex and was assured they are working on the case- but to contact them " back within XXXX days. '' It is unacceptable that what is described as a simple process on the Amex web page and the Hilton Honors site is not being followed by these XXXX companies.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XXXX, XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX Date Opened XX/XX/XXXX XXXX {$580.00}
Consumer complaint received 2021-11-26
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. (CT)

Hi, I just wanted to follow up. It's been over a month since I requested you to look into the inaccuracies in my report but you have not replied. It was on XX/XX/2021 to be exact and I was told that I should get some kind of response from your organization but I haven't so I am wondering what's going on for I am sure that letter was received. PLease lem me know what's going on and if you haven't taken action please do now. thank you
Consumer complaint received 2022-08-22
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX Date Opened XX/XX/XXXX XXXX {$580.00}
Consumer complaint received 2021-09-10
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: Rocket Mortgage, LLC (TX)

I contacted Rocket Mortgage for early information on rates and closing costs as I was just beginning research into the process of buying a home. I am working to get my credit score increased to XXXX, so have been extremely careful about ensuring no hard credit checks were made to my report yet. 

Upon submitting my initial information, Rocket Mortgage gauranteed that only a soft credit check would be made ( I have a screenshot of this ). Later that day, a loan officer called me to chat through the details. During this call, without my permission ( they have call recordings ), the loan officer conducted a hard credit check. The only reason I knew that he had done this is because I received an instant notification from XXXX. The loan officer then told me that he could not reverse this and the hard check could not be removed from my credit profile. The only step they made to rectify the situation was to offer me some sort of discount on closing costs, but they aren't willing to actually tell me what this discount would be until I move forward with choosing them as my mortgage company. This whole situation seems to be an illegal and manipulative tactic to force me into using Rocket Mortgage.
Consumer complaint received 2021-12-08
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. (MI)

On XX/XX/XXXX I contacted XXXX regarding the billing error on my account with XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX. Pursuant to 15 usc 1666a ( a ) collection activity includes furnishing any information on this subject matter to any consumer reports there should be no publication or advertising of any kind until the dispute is resolved. Pursuant to 15 usc 1692 I invoked my remedy to cease all communication and collection activity on this alleged account. XXXX continues to furnish this innacurate alleged information. I also stated that I so do believe I am a victim of aggravated identity theft under title 18 us code 1028a on multiple occasions XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX has knowingly used without lawful authority a means of my identification in order to compromise my financial reputation. I also demanded a certified copy of the ORIGINAL certificate of indebtedness in order to verify XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is in fact the holder in due course there is in fact a proof of claim of this debt. Without this I can not verify and there can not be any valid claims of alleged debts in the name of my principal obligor. On XX/XX/XXXX I called XXXX to resolve the matter of innacurate information reporting and to let them know the above accounts were In billing error notice, I was hung up on by an agent which is defined as abusive practices pursuant to 15 usc 1692. The supervisor also explained to me that they would continue to furnish this information due to their protocol. When I explained to her that this was against the law according to 15 usc 1681b she ignored me and stated it would continue to report. This has caused me great stress due to my credit being damaged due to their negligence.
Consumer complaint received 2022-08-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The Experian stated my account was properly investigated of XXXX XXXX XXXX XXXX XXXX However, after their reinvestigation, my lawyer identified the following fields as being inaccurate : -Date Last Verified, -Date of Last Activity, -Date Reported, -Date Opened, -Closed Date, -Account Rating, -Creditor Type, -Payment Status ; -and monthly reporting. 

I have attached evidence showing these fields are all inaccurate and that the reinvestigation was not complete and accurate and rubber stamped. 

Also, they also violated my rights under 15 USC 1681 Section 602A which says I have the right to privacy and 1681 Section 602A Section 2 says credit bureaus can not furnish my information without written approval. Experian- please provide evidence of approval to furnish this information or, in accordance with the law remove the account from my report.
Consumer complaint received 2021-11-26
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. (MO)

The problem is with Experian. I made numerous calls to them about this issue and nothing has been done. Because of this my credit score is horrible. This past XXXX I had 2 inquiries on my report that were to be removed and they never were removed even though these two companies sent letters to Experian telling them to remove the inquiries. I called Experian and spoke to someone and he was rude and told me I had to go on line to fo it. I tried and it said I had to call. I then filed a complaint with the XXXX XXXX XXXX  and Experian will not get back to them.
Consumer complaint received 2021-11-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CHECK INTO CASH INC. (VA)

In XXXX of this year I received a high interest loan from XXXX XXXX. In XXXX I was unable to keep up with the payments which were not moving my balance and requested that the cease EFT debits- which they did. 

In XXXX the loan was sold to CC recoveries. In doing some research it appears this loan is not legal in the state of VA. I called CC Recoveries on XX/XX/XXXX and advised I plan to report the illegal loan to the states AG and requested a copy of the contract. I was assured it would be emailed to me by COB that day. The collector asked me repeatedly if I could make a payment - which I told them I could not. The collector ended the call by stating they will continue to pursue the debt and I will get daily calls ( they call MULTIPLE times per day ). Fast forward to today ( XX/XX/XXXX ) I go to check my bank account and see that CC Recoveries has withdrawn nearly {$700.00} from my checking account. I did not authorize this withdrawal. I called their office and spoke to XXXX who advised since I authorized XXXX XXXX, that authorization carried over to their office - although revoked. How can this be? They are a 3rd party who I have no agreement with, I told them I was disputing the legality of the debt under VA law and they still believe they can randomly hit my account for {$700.00}? 

This company and XXXX XXXX need to be investigated for illegal practices- repay phone calls, unauthorized withdraws, legality of loan in VA. 

CC Recoveries can be reached at XXXX. My account number is listed as XXXX.
Consumer complaint received 2021-11-26
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: EQUIFAX, INC. (TX)

I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I placed an order online on XX/XX/21, the amount for the product was the wrong amount. I immediately reached out the company ( XXXX ) who was little to know help. I then filed a claim with BOA on XX/XX/21 to get the funds back. BOA let me know it could take up to XXXX days to hear back. Within that time Ive been in contact with cricket via email and message. Where they admitted I was owed a refund and money would be dispersed back through my bank. After waiting the full XXXX days BOA has now closed the claim and refused to give me my money back. Even though I have proof in writing from the company that the money is owed to me. This is almost {$XXXX} of my money, that Ive been waiting months for. I thought BOA was suppose to protect me, not so much.
Consumer complaint received 2022-08-22
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. (CA)

This is XXXX XXXX, and I am submitting this CFPB complaint to inform the Credit Reporting Agencies that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 

XXXX. XXXX XXXX XXXX  XX/XX/2021 XXXX. XXXX XXXXXXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX  XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX  XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021