davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-05
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: Fidelity National Information Services, Inc. (FNIS) (GA)

I need immediate attention on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. I have not received a response and its been well over 30 days. This is absolutely unacceptable Ive been through enough hardship especially through this pandemic were in. Also, I will be filling a complaint with the XXXX due to the mistreatment and unwillingness to help me resolve this hardship the Chex System has brought upon me. I feel like Im being exploited and being ignored on my disputes. Ive done my research and section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they shouldve been deleted immediately. I absolutely demand these accounts be deleted immediately or I will file for litigation due to the hardship and anxiety you caused me. My information was also impacted by the XXXX  data breach and XXXX  data breach it seems it got into the hands of the wrong person. Also, I've had my wallets stolen with all my personal information in during this pandemic. I filed a FTC report in regards to this situation. I need this taken cared of immediately.
Consumer complaint received 2022-09-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FC HoldCo LLC (IL)

I have no business with Flagship Credit Acceptance acct # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights. 

15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC (NH)

On XX/XX/XXXX, I received notice that Veterans United was transferring my VA backed mortgage to XXXX Mortgage XXXX XXXX. XXXX XXXX XXXX XXXX XXXX revealed that the company has a negative track record in both accepting payments and for transferring loans from other entities. In light of this, I contacted Veterans United on XX/XX/XXXX. The company said that XXXX XXXX would be in contact with me. 

I believe that Veterans United transferred my VA backed mortgage in direct retaliation for my CFPB complaint on XX/XX/XXXX and as a result of me being a XXXX XXXX. I have received nothing from XXXX XXXX to date and have no proof of who holds my VA backed mortgage. It is my belief that Veterans United is acting in retaliation for my prior CFPB complaint ( XXXX ) on XX/XX/XXXX. Any help you could offer me would be much appreciated!
Consumer complaint received 2022-01-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I have filled out 3 separate Hardship applications and still awaiting a solution. Yet they have negatively put this on my credit knowing the hardship. I have called daily to find out what is going on and to see if we have a resolution. But have received no feedback. I last communicated with XXXX and transmitted all the requested documents that apply to my circumstances. I asked If there's anyone that can provide me the status of the application as this is now reporting negatively on my credit report?
Consumer complaint received 2020-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Today, XX/XX/2020, I sent {$200.00} to an account I found on XXXX  saying hed sell me shoes for that amount. It seemed completely safe seeing how many stars he has and his reviews. After I had sent it, he stopped responding although he was active. I have his XXXX   XXXX  account, the email he gave me to send money, and his number. I tried contacting with my Wells Fargo bank account but they couldnt do anything about it, not even file a complaint or anything to try to recover my money back. XXXX on the other hand, couldnt help me as well. XXXX is definitely not the best app to use sending money because you are not protected at all.
Consumer complaint received 2022-12-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2022 I find out I have been a victim on an internet wire transfer. The scammer/hacker intercept a closing and provide wrong wire instruction and money went into a Bank of America account XXXX This was wrongfully wired to a domestic account with Bank of America. Since the discovery of this, XXXX XXXX  has filed a XXXX recall, XXXX against Bank of America for a recall. It's been pass XXXX days and Bank of America has only been responding the case is still under investigation and no additional information has been provided. Both XXXX XXXX XXXX and Bank of America are ignoring to further investigate into this case. Both party are denying information to me. XXXX XXXX from Bank of America responded to the first complaint by stating they will open a new internal case and ask me to provide a copy of the wire transfer and I did back in XX/XX/2022. When I called back to get more information about the case, she stated she has no further information and can not disclose any information regarding the status or when will the case investigation be over. XXXX XXXX at XXXX x XXXX XXXX XXXX from XXXX XXXX XXXX Bank has not responded to my inquiry on the status of recover the fraud wire. When I contact XXXX XXXX XXXX Bank to follow up, XXXX XXXX say XXXX XXXX and their representative did not contact them or respond to the inquiry. Bank of America have ignore and left the case as opening and refuse to cooperate with XXXX XXXX XXXX Bank to resolve this. How can the public trust and be protected if both these big financial institute refuse to resolve client 's issue in dealing with a domestic account? Why is Bank of America allow to not respond to XXXX XXXX XXXX on a domestic wire transfer fraud and leave the case in open for months?
Consumer complaint received 2023-01-01
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: ALLY FINANCIAL INC. (VA)

Privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-16
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. (TX)

I've reached out to XXXX credit union about 2 accounts i do not recognize on my acount and have not received updates. I believed my mail was stolen from my previous address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and credit cards were open using my name and old address. my new address has also showed up as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX the correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC.1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX -- --. 
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 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 Any other adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years.15U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

the inquirys on my credit report are inaccurate can you adjust the following thanks XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX
Consumer complaint received 2021-05-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

This all started by calling Bank of America in order to get my Car Title, at this time it was still financed. I told the agent I was expecting a new baby within a few weeks and needed a copy of my title to register my car in time so I had a car to drive around in. I was told in order to get a copy of my title it would take 8-12 weeks. I told the agent this was not acceptable and as this is my only car. I was then told in order to receive my title within a few weeks even possibly a few days I would have to pay off my entire balance, XXXX. Acting in full reliance of the agent and expressing the necessity of the situation and any other alternatives, I was told this was the only way, so I paid the money. 2 weeks go by and I call them to find out they sent the title to the wrong state and I nor my state has a copy. I am then reassured that even though this is the case I would still receive a paper title in the mail. Another 2 weeks go by before I call again and am told that Bank of America will resolve this and send me what I need to register my car. A week goes by and I am told I should have received something in the mail and if I hadn't it is not Bank of America 's concern since the title has already been sent and I had to wait for the documentation. After calling the state that it allegedly went to they do not have a copy of my title nor does my home state. Bank of America refuses to help me after using dishonest statements to collect a debt ( FDCPA breach ) and has taken barely any steps to address the situation. Further, Bank of America more or less did a " bait and switch '' telling me one a great opportunity to get my title quickly in time so I can take care of my newborn but actually taking my money and leaving me without a title or recourse. This practice caused substantial harm to me as an individual and is likely to cause future substantial injuries to consumers, this harm is not reasonably avoidable since I can not control which state my title goes to, this injury is not offset by other benefits consumers may receive, and it takes unfair advantage of the reasonable reliance expected of a lender to act in the interests of a consumer. This is a UDAAP violation as an unfair practice to collect a debt. I am currently left with no title, no idea where my title is, both my home state and alledged state having no idea where it is. Do not trust this lender, do not trust their collection practices, they will utilize their position to take predatory advantage of their consumers.
Consumer complaint received 2020-12-04
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. (CA)

On a few separate occasions I have disputed with all three credit bureaus XXXX, Transunion, and XXXX pertaining to a credit card with XXXX XXXX XXXX  acct # XXXX for the date of last activity, payment history, status * and the dispute was returned verified. After some further investigation on my part, I am also concerned that these accounts may not belong to me, and/or the reporting to XXXX, XXXX and Transunion may be inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/XXXX ), this Notice includes Identification of the specific information being disputed Transunion, XX/XX/XXXX and XX/XX/XXXX reporting for Acct Number : acct # XXXX The basis for the dispute : For Payment Status XX/XX/XXXXis reporting Charge-off, Transunion is Reporting Charged off as bad Debt, while XX/XX/XXXX is reporting Unpaid balance reported as a loss by credit grantor. For Worst Delinquency XXXX is reporting Bad debt/collection, Transunion is showing Not Reported, and XXXX is reporting Charge off/Other Derog. On XXXX Acct # XXXX status is closed, but reports payment history with a 90+ Days Late only on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and no dates were reported on Transunion. Also, for the XXXX XXXX Transunion is reporting XX/XX/XXXX as a close date while XX/XX/XXXX and XX/XX/XXXX are not reporting a close date at all. For Date of Last Activity, XX/XX/XXXX is reporting XX/XX/XXXX ; However, Transunion is reporting XX/XX/XXXX and XX/XX/XXXX reported as Not reported and closed as charged-off without a date of last activity. Also, for Terms XX/XX/XXXXand Transunion are not reporting while XX/XX/XXXX is reporting Revolving. Lastly, for High BalanceXX/XX/XXXX and XX/XX/XXXX are not reporting anything while Transunion is reporting a high balance of {$450.00}. 


I have sent them excerpts of my credit reports showing how these accounts are reporting
Consumer complaint received 2022-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. ()

I received an SMS from the supposed BBVA bank saying that my account may be at risk that I should access the website ( they sent me a link ) The web looks real but when you put your data ( I invented mine ) it says that thank you and stays in loading mode. 
It's a scam. 
The website is the following one : XXXX XXXX XXXX
Consumer complaint received 2020-10-28
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (CA)

Some company with number XXXX XXXX XXXX and XXXX x XXXX called my work place and tried to contact me there. The office took a message and he said this is XXXX with MCM and left a phone number. 
I have had no dealings with them owe them nothing and refuse to accept their bothering me at work. It is a govt office and not allowed. 

Hi I just took a phone message for you. He said you will know what it's about. He said his name is XXXX with MCM. Phone is XXXX x XXXX. 
This is the email I received re the event
Consumer complaint received 2023-01-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Self Financial Inc. (GA)

on XXXX and XXXX of XXXX a " software company '' called Self.Inc stole {$2800.00} from my bank account. 
They processed it through XXXX as a 'self pay ' event. 

Upon considerable research, I found that Self.Inc is a 'credit repair ' service, that I did not use, apply for, ask for, or even need as my credit score at that time was a reputable XXXX. 

Self.Inc stole from me, and only when I disputed the charges with XXXX XXXX did I receive my money back. 

Self.Inc apparently causes this problem so often that the 3rd option on their voice mail system is to report fraudulent theft. 

Here are the line items from the XXXX of XXXX from my bank account : XXXX Recurring Payment authorized on XX/XX/XXXX Self Lender XXXX XXXX TX XXXX Card XXXX XXXX XXXX Recurring Payment authorized on XX/XX/XXXX Self Lender XXXX XXXX TX XXXX Card XXXX XXXX XXXX Recurring Payment authorized on XX/XX/XXXX Self Lender XXXX TX XXXX Card XXXX XXXX
Consumer complaint received 2021-06-15
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: EQUIFAX, INC. (GA)

I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I never paid the following accounts late, XXXX  XXXX : XXXX  and XXXX  are not reporting this account, Equifax is reporting a status of 120 days late but does not provide the dates the account was paid late. The following accounts do not belong to me and should be removed from my credit file, XXXX : Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$1100.00}, XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$1100.00} and Equifax is not reporting this account, XXXX XXXX  : Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$5100.00}, XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$5100.00}, Equifax is reporting an opened date of XX/XX/XXXX with a balance of {$5100.00}. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information and/or provide proof with signatures of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX, NJ XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX, NY XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX, NY XXXX Resident typeSingle family XXXX XXXX XXXX XXXX  XXXX, NY XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX, NJ XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX NJ XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Resident typeSingle family THESE NAME VARIATIONS DO NOT BELONG TO ME XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
Consumer complaint received 2021-11-11
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. (MS)

I filed complaint with the company informing them of the unauthorized account being placed on my consumer report, account was never removed and is now in investigation and Im requesting that it be removed by the CRA.
Consumer complaint received 2022-03-31
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. (PA)

In accordance with the Fair Credit Reporting act 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