davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hello, I am writing to complain about a harsh decision to close my small business accounts due to an honest mistake. I have all my banking with bank of america for last 15 years. I bank with them for my personal banking, small business banking and also hold investment portfolia and a wealth management account with them. According to bank of America, I am one of their platinum level customer who has established relationship of trust and credibility across all exchanges. I have had 3 lines of business operated under small business and recently with addition of new services and assets, I added additional 3 lines of business. To keep my invoice organized and up to do for flow of services within my lines of business I invoiced one of design services company to provide service towards tenant management service. As per bank of america this is prohibited, which doesnt make sense to me because it is a purchase and sale between my 2 companies even they they both belong to me.On a payment towards services from one company to other bank of america flagged my account and made a very very harsh decision to close all of my accounts with them. I called the respective team and they denied to rectify it. I also offered to retract whatever they had an issue with, however they were just not open to listening anything. One of the associates did understand where I was coming from and wanted to do a second review to the situation but the first associate denied it without much context. 

I trusted bank of america with all my business needs and year over year gave them revolving balance, wealth management accounts, merill edge investments and multiple business accounts. I have always paid my dues in time and established by credibility with each line of credit. Had i know that bank of america is not that sensitive towards maintaining a relationship with theor valued customer, I would not have placed all of my eggs in one basket and banked ONLY with bank of america. I trusted them as my service partner to assist with my small business needs however my trust is very badly broken for continuining to be aloyal customer. 

i would really ; ike this feed back to be considered because after this occurence, I know that I will have to take my business somewhere else and not trust bank of america with my banking needs.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (CA)

When I opened my account at Wells Fargo I placed a good amount of money in my account. I would use my debit card as well as keep my account in good standing yet Everytime I look into my account they are over charging me as well as over drafting my account. Eventually they closed my account. Inn multiple accounts I tried to resolve this issue but I kept getting Im hung up on.
Consumer complaint received 2022-12-01
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: LEXISNEXIS (TX)

Their is a US Bankruptcy Court XXXX XXXX on my credit file. In XXXX of XXXX, I asked XXXX to do a reasonable investigation. XXXX did not provide me with any results to the investigation. I recently submitted another request for a full and reasonable investigation. I asked XXXX to provide in writing the results of the investigation by us mail. I did not receive the results by us mail. What I did receive was a email with alarming information. XXXX receives it's verifiable bankruptcy information from a third party vendor. This violates my rights as a consumer. According to the FCRA, all credit bureaus must verify Bankruptcies from its original creditor. XXXX verifies its information with LexisNexis. Both, XXXX and LexisNexis admit to working in conjunction with each other. This why XXXX didn't provide me with a proper investigation as I requested. They can't provide a written proper investigation, because they must contact the original creditor. I have contacted the original creditor ( US Bankruptcy Courts of XXXX ) they do not report or verify information to the credit bureaus or any agency. 

I have a letter from the US Bankruptcy Courts of XXXX proving XXXX has been violating my rights as a consumer. I have a letter from XXXX stalling by sending me a letter to verify the information the already have, because I provided them with my request to investigate. I have a email from XXXX not providing proof of the investigation, but admitting to using a third party vendor for verification purposes. I also have a letter from LexisNexis proving they provide XXXX with information as a third party vendor for bankruptcies. 

XXXX XXXX did not provide a full and reasonable investigation. They have been refusing to provide upon request, how the information is proven to be accurate.
Consumer complaint received 2023-02-08
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: Experian Information Solutions Inc. (TX)

I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation.

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duncan Solutions, lnc. (NY)

I had outstanding tolls, sent to the wrong address for a year straight. I finally recied the notices and tolls were sent to XXXX collections. I have tried to pay the tolls online and it is almost impossible. I have tried to contact XXXX and you can not get them to answer the phone. I can not have this added to my credit report and they do not have an email to reach them.
Consumer complaint received 2022-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I want to remove my private mortgage insurance since the value of my primary residence on the market is about 70 % XXXX and they denied my petition since they don t recognize that the investor is XXXX XXXXThey just keep mention that my investor don't let me to eliminate or remove the XXXX  and by federal law and or regulation is supposed to be removed or at least I need a reasonable answers or options other than make a full refinance.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (KY)

On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-30
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. (MD)

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition, to civil liability. By obtaining my CREDIT BUREAU consumer credit report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1618b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. supp 2d711 ( S.D Ind.2003 ) I have not initiated any transaction with COMPANY NAME. furthermore, I do not have anaccount as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review for collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}.
Consumer complaint received 2022-08-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc. (CA)

Purusuant 7 CFR 1782.3 A Charge-off is a write off of a debt and termination of servicing activity without release of liability. A charge-off is a decision by the Agency to remove debt from Agency receivables , however, future payments may be received. According to federal law there is no such thing as an open charge off. GM Financial states that I have an open charge off hence why they reported a charge off to my consumer report. This is in fact, false misleading information and is affecting my credit worthiness. Also, according to the IRS Publication 4681 a charge off is income which the credit reporting agencies shouldn't be reporting income to my consumer reports. I have yet to receive a 1099c for the charge off and GM Financial keeps giving the run around with deceptive and misleading information.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-30
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. (PA)

I was in the market to purchase a home so I got a copy of all 3 credit bureaus. 

My score is considered very good in the 760 range, however, someone or some company with ill intent has applied for multiple credit cards under my name unauthorized. 

This has harmed my credit standing and my score making it seem as though I'm seeking credit. 

I currently use about 8 % utilization and have well over $ XXXX in available credit. It would be senseless to apply for more credit despite having an exorbitant amount of low or XXXX percent interest at my disposal.
Consumer complaint received 2022-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (IL)

I recently was looking at my credit score and saw a major deduction which was tied to a debt collection company called sequium asset solutions. After calling them I found that an XXXX account using my personal information was opened and an address somewhere in South Carolina was used. I do not have an XXXX  account so I know that this was fraudulent. At this time I have filed a police report, a report with XXXX, all 3 credit beaureas. I have also placed a freeze and an alert on with all 3 credit beaureas.
Consumer complaint received 2022-08-19
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

My husband and I bought a couch set from XXXX XXXX XXXX in XXXX of XXXX. We split the purchase since rooms to go provided us with a refund through our warranty but that was credited to his account since the sale generating the refund was done by him-my husband XXXX XXXX XXXX 
In XX/XX/XXXX I got a notification that my own XXXX XXXX XXXX  store credit card was over the limit which is literally not possible since at the time of purchase only available funds on the account could go towards the purchase. 
This caused my credit score to drop immediately I called rooms to go explaining the situation that they overcharged my account but only got sent around and round in circles from one manager to the next. 
I took it a step further and contacted XXXX who informed me that they see the mistake but would need rooms to go to validate and update on their end so it can be reflected in their systems. 
I waited 6 weeks and nothing happened. Just promises to follow up with me. 
I went in the stores - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I spoke with the managers there as well as had a conversation with a XXXXXXXX XXXX XXXX XXXX representative while in the store and explained everything again. 
The representative Stated he was not able to provide me with a transcript of the call but they have logged the case and will begin investigating. 
Because of the overcharge I could no longer afford the monthly minimum although I continued to make payments at the time. 
More time went by and no one followed up I have written proof from a manager at the store admitting that they did overcharge me and was instructed to follow up with a XXXX  manageXXXX who never got back to me. 
Efforts with XXXX XXXX  were wasted as they refused to provide me with detailed accounts of each transaction and pay, eng to the account to help establish the errors. They also did not do their due deligence in validating the errors on my credit reports and fixing my account. 
They have closed the account and I am still, a year later dealing with this mess and no I do not qualify for anything. 
I have retained a consumer lawyer- XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXXPhone number XXXX since XX/XX/XXXX but they are still getting push backs and nothing has been done yet. This is significantly derailing my mental health and my familys well being and I am asking that this debt be correctly validated with proof-my signatures next to each purchase everything, how they came up with all their values and fees and if not all my credit reports need to be corrected and updated and all derogatory remarks removed.
Consumer complaint received 2022-08-19
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

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 sent a letter requesting that you re-investigate the disputed account from my credit report as well as place temporarily updated accounts from my report during the investigation period. As of this date, you have failed to respond to my request. Once again, this is my personal, good-faith request for relief under the FCRA. This complaint is a formal notice that you are knowingly reporting inaccurate, incomplete, and unverifiable information regarding the account listed below. I am also disputing reporting law not whether or not an account is mine but whether or not Equifax has the verifiable proof that is required by law to have for the account listed. I am requesting proof of this alleged account, specifically the contract, note, or other instrument bearing my signature. 

Original creditor : XXXX Date opened XX/XX/2021 Balance {$380.00}
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have paid at least 3 companies to get these things removed and also asked the bureaus. Only address on my file should be XXXX XXXXXXXX XXXX XXXX All others are fraudulent
Consumer complaint received 2022-08-22
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)

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

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose