davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2020 {$6800.00}. in fraud was committed on my XXXX Bank of America Card. I made a police report XX/XX/2020 and submitted it to BofA. I was never given provisional money to pay bilsl or buy food. XX/XX/XXXX my BofA closed the claim. Period no further help, no call. 

In between this time I was issued a new card XXXX B of A debit card so that I could continue receiving my unemployment benefits. XXXX XXXX, XX/XX/XXXXthe card having {$2100.00}. was frozen and no further action has been or will be taken per Bank of America. Making that a total of {$8900.00} of unaccounted money that Bank of America will not release back to me. 

Both XXXX and Bank of America blame one another. But my thoughts are once the XXXX money is released to Bank of America it is now in Bank of Americas hands? 

Please advise, XXXX XXXX. 
XXXX
Consumer complaint received 2022-10-13
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)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXXXXXX XXXXXXXX Balance : {$260.00}.
Consumer complaint received 2022-07-21
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX at XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, Transunion ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Consumer complaint received 2021-01-20
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. (SC)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2023-06-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

I received a call from a company called XXXX telling me i was going to be receiving some legal documents and needed to call the firm that was handling my case the number that called was XXXX told me to call XXXX who clamed to be a lawyer and I was being sued by bank of America for {$10000.00} on a credit card debt I informed the man I haven't had a credit card with that bank in 20 years I don't remember any thing on or about this debt I do recall a {$2000.00} credit card I had 20 years ago I have no way of proving how old the debt is but they should have that in order to prove the debt is owed though right?
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capitol one closed my secured card and I want to dispute they have no right closing a card when I put money down as a payment I put XXXX down plus just made XXXX and they closed it, please help and they will not even approve me for a basic credit card, credit card companies should treat everyone equally, not a low number special people should not only get credit, I am very XXXX off when I go to make a payment and the card is closed please fix this I want my refund back XXXX or they open me a new credit card with no obligations, credit reporting agencies need to stop reporting old credit, Capitol one should be investigated for this they have no right closing a XXXX card when I pay the bill please help DO NOT Discriminate against people with bad credit who work hard, I always paid this card early not late, these credit practices need to be stopped, I am outraged It said restricted now its closed, I am disputing this I want a new unsecured card in my name with no restrictions, they owe me money on this.
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX and XX/XX/XXXX my bill payment with Capital One Bank did not go through when it was on auto pay. I reached out to the company and they said they saw the payment tried to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark in my credit and the company will not help me with this unfair situation.
Consumer complaint received 2021-09-02
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 (MA)

XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MA XXXXXXXX To Whom It May Concern : The creditor that I am requesting a complete review on was one of several creditors I recently paid in full, and the agreement in place at the time of payment was that the account would be deleted from all pertinent credit reporting agencies. It would be appreciated if the account in question would be deleted immediately, and that my file to be purged accordingly. 

Thank you. 

XXXX XXXX
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

Good afternoon, Between the dates of XX/XX/XXXX and XX/XX/XXXX, I applied for mortgage pre-approval with six different lenders, in an effort to identify the best rates. 

I did so in the comfort that this would only be recorded on my credit report as a single inquiry, on the basis of the CFPB 's guidance below : https : //www.consumerfinance.gov/ask-cfpb/what-exactly-happens-when-a-mortgage-lender-checks-my-credit-en-2005XXXX To my surprise, the inquiries were recorded as separate inquiries by each of the credit reporting agencies. As a result, my credit score declined over time as the later credit inquiries were submitted. 

I spoke with agents, supervisors, and supervisor 's supervisors at XXXX, and XXXX. l also called Experian, but their automated system did not let me speak with a person. I was unable to resolve the issue in any of these cases. In the case of XXXX, the supervisor 's supervisor explained that different credit scoring modules calculate credit scores differently, with some recording mortgage inquiries within a 45 day window as a single inquiry, while others record inquiries only falling within a 14 day window as a single inquiry. 

Please can I ask that all three credit reporting agencies change their reports so that all inquiries within the 45 day period are recorded as a single inquiry in all cases, regardless of which credit scoring module is used? 

Many thanks! 

XXXX
Consumer complaint received 2021-01-20
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. (NY)

I sumbitted a complaint over 30 days ago about fraudulent activity on my credit report. It truly hurts that my rights under the FCRA are being violated. These accounts have destroyed my report. I can't do anything without my credit. Please help me in fixing this issue. I am resubmitting this complaint to the CFPB in hopes that something can be done. Section 605 b of the FCRA clearly states that fraudulent items must be blocked and removed from the credit report within 4 business days. I have not received any correspondence from your company as to why these accounts remain on my report.
Consumer complaint received 2021-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (FL)

I was charged twice by XXXX XXXX XXXX and I went to try to dispute one of the charges as a duplicate. The customer service representative would not allow me at first to dispute the charge. This is after spending an hour on hold even though I supposedly called the ASAP customer line. She finally relented and allow me to dispute the duplicate charge. Then I was informed that I would not be able to get a provisional credit or a refund of the overdraft fee I was charged as a result of the duplicate charge. I asked to speak to the manager. She refused to help me, while boasting that she got an extra paycheck this month. 

I have been significantly impacted by the COVID-19 pandemic and TD Bank is completely out of touch with how their customers are struggling. I was completely disgusted that the manager felt it was appropriate to brag about the amount she is paid while I have faced so many difficulties this year. It's a really " let them eat cake '' kind of attitude.
Consumer complaint received 2022-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frontline Asset Strategies, LLC (OK)

XX/XX/2022. I switchedfrom XXXX XXXX company and move to another. As soon as I changed I called them and cancel services. I had just paid my service amount just three days before the the 15. With this being said I called once or at least twice to made sure I didn't owe any money after talking to representatives they sated I waa fine, my account waa clear and I did not supposed to pay any more money my account there was clear and in outstanding. After 1 month, the month od march I received a " bill '' saying I owed {$170.00}, I called XXXX XXXX again and the male representative said he did not have a clue what that bill was. And he stated " it is probably a scam because you do not owe anything ". In may i received a final letter about collection for the amount of {$280.00} dollars. Now, I feel very frustarted and overwhelmed about this situation because they did not only lied to me but, they refrained from telling me if I owe anything at the very beginning from the cancelation date. They waited months to sent me bills and to collect as much as possible fees and charges that I am not even responsible due to the lack of knowledge and miscommunication amoung the company itself and representatives. So, they requiring me to pay such amount of money when in the first place the fail and refused to admit I owe anything. I need help in this matter please. One thing I want to be clear it is not about the financial issue, it is about preventing this unjustice act to keep happening to othe people. Is that how they make profit? Out of jard working eople that strive to pay their bills on time? Is that how they treat their customers after years of being loyal to their company? Do they provide excellent training to the workers to lie or omit information to the customers??
Consumer complaint received 2020-07-02
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. (NC)

its been 3 months since I notified the credit bureauby mail that my identity was stolen. I have been sending letters and placing several calls a week disputing the fraudulent information on my credit report. The erroneous information is ruing my life financially and need this removed asap!
Consumer complaint received 2022-10-13
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)

I would like all of my my derogatory remarks, late payments, public records, closed accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Consumer complaint received 2022-05-25
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION (TX)

This company has called me repeatedly for years telling me they are ready to proceed with court against me for a loan taken from a payday loan company. I have never used a payday loan place like that. When they call, I ask for an address so I can formally request proof of debt and I am constantly told that I need to call Check and Go. When I press for a po box I am told they don't have to give me that information. I can't even get a company name from them. They have told me repeatedly they served me with legal paperwork, I've given my updated address several times but have yet to receive anything from them. 

Supposedly this loan was taken out in the early XXXX  's and sent to a bank account in my name with a bank I have never used or had an account with in a state I have never lived in nor know anyone in.. I've contacted the bank I was told about they have opened an identity theft case. 

They also use an XXXX area code number to call me but when I answer an automated voice tells me to have either my lawyer or me call an XXXX number. 

At this point, I'm waiting for something to happen so I can at least see the paperwork.
Consumer complaint received 2021-01-20
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I recently turned XXXX years old and attempted to get cell phone service in my own name. I was ultimately denied due to having a collections account. I never had any credit in my name so I knew it was a mistake. I pulled a copy of my credit report, and noticed there was a charge-off from Capital One dated in XXXX. In XXXX, I was sixteen years old and have never done any business with Capital One or any of their affiliates. I contacted Capital One multiple times between XXXX and XX/XX/XXXX, provided a copy of my ID that showed my date of birth, as well as the ONLY address I have ever lived at. The date of birth and address that they were reporting were not mine, yet they have refused to remove this account stating based on their records it was my account. The continue reporting this fraudulent account with incorrect information which is harming my credit before I can even establish any.
Consumer complaint received 2021-01-20
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9400.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2022-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alorica Inc. (IL)

I have had repeated phone calls over the last few months about a XXXX debt/account that was - according to the phone calls- not paid. I have NO XXXX account. Never have. Then, I received a letter, which looks very official, from EGS Financial Care , Inc. ( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX VA XXXX XXXX. The letter states a " DEMAND FOR PAYMENT '' with records showing charges from XXXX through XXXX, XXXX  for something. It is deliberately vague, but looks like it is for charges with XXXX. I have not shipped anything via XXXX and have NO account. Furthermore, the receipt for payment ( for {$910.00} ) is simply to be sent to a strange address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I have made no attempt to contact EGS Financial Care , Inc . I assume this is a scam.
Consumer complaint received 2021-01-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (SC)

We have been cleared to close since late XXXX but the mortgage and title company have been unable to arrange a closing, many closings have been scheduled only to be cancelled either at the last minute or after we have been waiting for the people to arrive or even 6 hours after the scheduled closing making no sense ... we are now going to have to incur additional fees from Wells Fargo to update our appraisal and the like even though we have agreed to at least 8-10 closing dates which they have failed to show up for - and we are upset about the title company incurring any more fees - we have even had title attorneys calling us yelling at us for the closing getting cancelled because the title company did not communicate with them ... and on top of that we have had to allow more credit reports to be pulled lowering our credit since the prior ones expired given how long the closing was taking.
Consumer complaint received 2022-12-08
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (CT)

In accordance with the fair credit reporting act, this creditor ( GM Financial ) has violated my rights. Under 15 U.S.C S 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit account under an open consumer credit account as late for any reason. 

GM financial has reported my payment as late to all three consumer credit agencies which is a violation of my privacy.
Consumer complaint received 2021-09-02
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Javitch, Block & Rathbone LLC (OH)

I demanded a debt Validation with the third party debt collection agency Javitch Block Which I received thanks to consumer financial protection bureau. Upon review of the the paperwork I received, it shows the wrong balance because GAP paid the financing company and the financing company did not report the payment to the third party debt collector.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Derricka Harwell Enterprises (DC)

I was a customer of XXXX XXXX XXXX XXXX for 2 years. During that time I made one tome payment of XXXX $ then a monthly payment of XXXX $ with promise that I had access to a credit repair specialist- the CEO of the company working on assisting me with credit education , writing letters to credit reporting agencies, fixing discrepancies, and things of that nature. I was also assigned a specialist to contact and educate me on the program. After a year, I was constantly told that my specialist was busy or unable to speak to me, that things were moving, that y credit was not being repair but would take an extreme amount of time, then told that it wasnt bad, that my credit was on its way up, then all communication stopped. I attempted several times to contact the business, ask questions, gain clarity- I was told- we are working on it and you will soon see the results. Just strung along for another 6 months/ and of course I am paying. I then requested to speak to someone- thats when the trouble started. My emails werent responded to, I left messages on the social media accounts. I asked questions and was the blocked and removed from the program with no answers as to what was done with all if my money and why they were scamming me.