davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CT)

On XX/XX/22 I placed an order on XXXX for a product in the amount of {$370.00} and immediately decided to cancel and did and the cancellation was accepted but I was told that they would have to contact the seller before refunding my money. I cancelled the order before I received the confirmation! Once I was informed they would have to contact the seller I was dismayed because I know from selling on XXXX money is held in escrow, the seller has nothing to do with at this point. I contacted my bank, USAA and filed a dispute and received a temporary credit. Minutes later I received notification from XXXX that since I contacted my bank that they would not cancel the order and now my bank is about to take the {$370.00} out of my account and I didn't receive any products for the money as I did cancel the order. I'm now being informed that after careful investigation that an 'error ' didn't occur. This was not an error, XXXX illegally took my money and refused to refund it and now my bank is attempting to take it back. I cancelled my XXXX account and I'm in the process of closing my USAA bank account due to very poor customer service. I was on the phone for over XXXX minutes on XX/XX/22 and nothing was resolved.
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1990 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-01
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: Experian Information Solutions Inc. (NV)

On XX/XX/XXXX my car with XXXX XXXX was illegally repossessed due to a billing error in their system. Although I received the car back the next day, they still placed a repossession on my credit resulting in a loss of 71 points. It took me 5 months for them to remove the repossession, but I never got my points back. This happened AGAIN on XX/XX/XXXX. It took almost XXXX of endless calls and fighting to get it removed a second time, with me losing another 64 points. Again, none of the agencies ever restored the points back. Then they REMOVED the car from my credit reporting. Please help, as neither the Credit Bureaus or XXXX will fix this major issue.
Consumer complaint received 2022-04-01
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: EQUIFAX, INC. (NV)

On XX/XX/XXXX my car with XXXX XXXX was illegally repossessed due to a billing error in their system. Although I received the car back the next day, they still placed a repossession on my credit resulting in a loss of XXXX points. It took me 5 months for them to remove the repossession, but I never got my points back. This happened XXXX on XX/XX/XXXX. It took almost XXXX of endless calls and fighting to get it removed a second time, with me losing another XXXX points. Again, none of the agencies ever restored the points back. Then they REMOVED the car from my credit reporting. Please help, as neither the Credit Bureaus or XXXX will fix this major issue.
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX  : XXXX has violated my rights, 15 USC 1681 section 602 A states I have the rights for privacy, 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-03
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: Alabama Housing Finance Authority (MO)

XX/XX/2022 XXXX bills XXXX XXXX XXXX to care of address| {$22000.00} + principal balance {$74000.00} XX/XX/2022 submitted XXXX through IRS to XXXX as XXXX XXXX XXXX XXXX XXXX XXXX XXXX the debt XX/XX/2022 IRS accepted amount and instated transfer of credits XX/XX/202XXXX XXXX Department for XXXX  calls & emails for further clarification on XXXX process- sent to Counsel Legal XX/XX/2022 Foreclosure Supervisor XXXX XXXX rejected the XXXX payment of XXXX and threatens to begin the foreclosure contract Also, See Attached.
Consumer complaint received 2022-08-26
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. (VA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-02
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. (NJ)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against These Agencies regarding a late payment on my credit card account. The following accounts are listed below XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX 
Account number : XXXX Late Date opened : XX/XX/XXXX According to 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account as late unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( b ) of the title, is mailed or delivered to the consumer not later than 21 days before the payment due date. 

In this case, I believe that XXXX XXXX did not comply with the regulations outlined in 15 U.S. Code 1666b, as my payment was treated as late despite being made within the required timeframe. 

I am requesting that the Bureau investigates this matter and takes appropriate action to rectify the situation, including removing the late payment from my credit report and ensuring that XXXX XXXX is in compliance with the regulations set forth in 15 U.S. Code 1666b. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-12
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: Home Loan Center, Inc. (FL)

I have a plethora of unauthorized inquires hard and soft from this agency. Dates starting XXXX, there are multiple that were done just in one month. I have several dating back from XXXX even XXXX These inquires were not authorized or verified to be authourized by me especially the ridiculous amount of times it was inquired. These inquires whether hard are soft are damaging to my credit profile while being inaccurate and unauthorized. I was not made aware even by two of the three bureaus whom has the most from this agency.
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL) (FL)

XXXX, XXXX XXXX XXXX XXXX  # XXXX XXXX XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXXXXXX AR RESOURCES INC XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AR RESOURCES INC XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX  XXXX XXXX proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1990 XXXX XXXX XXXX XXXX XXXX XXXX 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: Experian Information Solutions Inc. (FL)

In acordance with the fair Credit Reporting Act XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX, has violated my rights 15 U.S.C 1681 section 602 A Staes I have the right to privacy.

15U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instrctions
Consumer complaint received 2022-04-01
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. (AE)

I sent Equifax Credit Bureau a 609 letter to validate the incorrect accounts that is being reported on my credit report. This was back on XXXX XX/XX/2021. I have yet to receive any response back in regards to the matter. The following accounts follow : 1. The following account is not mine XXXX 2. The following account is not mine XXXX 3 . The following account is not mine XXXX 4. The following account is not mine XXXX XXXX 6. The following Inquiry is not mine XXXX Date of Inquiry : XX/XX/2021 7. The following Inquiry is not mine XXXX Date of Inquiry : XX/XX/2021 A 30 day demand to comply was also sent to Equifax Credit Bureau as well, which they failed to adhere to. Please see attached documents
Consumer complaint received 2022-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Grain Technology, Inc. (VT)

I have been trying to contacf Grain XXXX in order to have my {$250.00} deposit returned to me and close out my account. I have sent over 8 emails with no response. They don't offer a phone number to call. I just want my account closed and there is no way to get in touch with anybody. They promise to return the email within 2 BUS but that does not happen.
Consumer complaint received 2022-03-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

LVNV funding/Resurgent 3rd party collection agency never contacted me. I found out through checking my own credit report they posted to all three bureaus regarding a " bill '' showing I owed {$960.00} and it is in collection status. I disputed with this company as well as all 3 credit bureaus with negative results. I re disputed with the credit bureaus and now they ignore my disputes closing them within 12 hours. LVNV/Resurgent placed fake payments on this account on my credit report which I never made. They also never reported any information such as the " date of last payment '' plus many more empty spots on this acct. When I tried to validate this collection with LVNV/Resurgent they did not contact me on all occasions even when I had mailed through return receipt requested. They noted that I " opened '' this account XX/XX/2020. This is simply not true. I am on the verge of taking them to court. They never sent me anything and yet they file inaccurate and incorrect information on my credit report. Isn't this illegal? I was also advised by my attorney that the 'date of last payment '' as well as all the account details should be on the report legally and if it is not, this account must be deleted. They continue to ruin my credit reputation, re ageing this account and deceive the credit bureaus. I am sure they have done this to other people as well. Their practices are so dishonest. They could never validate this debt or tell me any information about it. They also refused to contact me after numerous letters and phone calls which I know they received because I certified the mail. They also go by several different names and I have contacted all of them. They need to stop these illegal practices. If this is true information then please validate with accurate names dates etc... 



Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Upgrade, Inc. (OH)

I have an Upgrade XXXX XXXX Rewards card. You are supposed to be able to pay off your balance due early. For the last two months when I click 'make a one-time payment ' it fails. I get the message " We were unable to schedule your payment. Please email us at XXXX. '' I emailed Upgrade and got an automated response acknowledging I emailed them. I then received an email from upgrade stating " Upgrade values your business and would like to hear from you. Wed appreciate your feedback on your recent experience with XXXX. '' I never spoke to a XXXX or received any other email. 

This company needs to be investigated. They are stealing customer 's money by causing balances to go higher than they should be due to their system blocking payments.
Consumer complaint received 2022-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a long-time ( XXXX ) customer of BofA and a BAC shareholder since XXXX. 

On XX/XX/XXXX, I went to the BofA branch at the XXXX XXXX in XXXX, CA. I deposited a check for {$30000.00} dollars after being assured ( twice by the nice teller ) that the {$30000.00} would be available the next day on XX/XX/XXXX. 

The next day on XX/XX/XXXX, I went to BofA and was told that the funds were NOT available. I then called XXXX in which the check had been written. They assured me that the {$30000.00} had already been negotiated and drawn from my margin account. 
I am a long-time ( XXXX ) customer of BofA and a BAC shareholder since XXXX. 

On XX/XX/XXXX, I went to the BofA branch at the XXXX XXXX in XXXX, CA. I deposited a check for {$30000.00} dollars after being assured ( twice by the nice teller ) that the {$30000.00} would be available the next day on XX/XX/XXXX. 

The next day on XX/XX/XXXX, I went to BofA and was told that the funds were NOT available, as promised twice. I then called XXXX in which the check had been written. They assured me that the {$30000.00} had already been negotiated and drawn from my margin account. 

I then went to a nearby BofA branch and was advised to call BofA, which I did. I spoke with XXXX, then her supervisor XXXX, and supposedly a manager by the name of XXXX. XXXX has NO customer service skills and was unfriendly and shoved me off within seconds of my " conversation '' with her. At no time did she apologize or work towards a solution, even after I told her that I would contact both the California and FederaXXXX regulators for assistance. She obviously could care less. 

BofA had promised me ( twice ) that the funds would be available on XX/XX/XXXX. Yet now they are claiming that it will be more than ONE WEEK before the {$30000.00} will be available! This is clearly a bait-and-switch and a breach of an oral contract. 

BofA is using my {$30000.00} check to them as part of their float, at my expense. Additionally, I was unable to make a promised legal payment, using a wire transfer today, which was the deadline. This nearly cost me one of my homes due to not having the promised funds by BofA. They gave me an e-mail to BofA which was no good ( it would not go through after several submissions ) and they told me that someone would be contacting me and they never did. 

BofA 's failure to honor its promises is despicable. This is the second time that BofA has caused me tremendous financial problems during the past year!!! They apparently feel that they are " too big to fail ''. 

I await your remedy to this fiasco that should have been corrected by BofA management, yet wasn't. Thank you for your assistance.
Consumer complaint received 2022-03-28
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 (MO)

There was a fraudulent charge on my account on XX/XX/XXXX. This fraudulent charge was reported to my bank, and a claim was started. Today, XX/XX/XXXX, I received a letter in the mail today saying my claim was denied. 

Here are the facts : I have never been to the city and state that the fraudulent charge was made in. Nobody has, or has had, access to my debit card/account information but me. 
The charge was from an ATM machine-again, nobody had, or has, my account/debit card information but me. 

I have attempted 5 times now to speak with the fraud department at my bank. I have been told 5 times now that there " is nothing that can be done '', and that the claim has been closed. There is not a merchant to contact because this was an ATM withdrawal. I was told by the bank to file a police report in the city/state that the charge was made. Nobody from the bank has told me why the claim was denied. 

Another thing to add-I am supposed to be a " preferred client '' with this bank. However, that means nothing because they clearly do not care about their customers. How much money do you need to have in the bank for them to care?? 

I need help with this matter, please.
Consumer complaint received 2022-03-28
Product: Mortgage — FHA mortgage
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)

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. Your agency did not proofread the report and did not make sure it was 100 % correct. 



XXXX / XXXX / {$170000.00}
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Bank keeps changing remarks on my credit report to charge/off to closed to late payment and its dropped my scores over XXXX points because of these inaccurate remarks. The creditor agreed to a pay for delete on the referenced accounts that I paid. I dont want to file a law suit for this but I will forced to if they do not delete these accounts and all related remarks on all three credit bureaus. Accounts- XXXX and XXXX