davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2020, Transunion signed for a letter regarding a dispute with XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX  The letter was signed by XXXX XXXXXXXX On XX/XX/XXXX Transunion signed for a letter regarding a dispute with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX The letter was signed by XXXX. XXXX XXXX at XXXX XXXX called Transunion to inquire about these. 2 items. I was sent to 3 different agents who informed me they have no record of these letters, and therefore no record of the dispute. They refused to remove the items from the report despite proof. and signatures. 

I provide them both with legitimate Tracking numbers. Yet they say they can not respind for at least another week. This is unacceptable., Regardless of whether Transunion has a record of either of these letters, they are now in breach of the process.. Both of these are over 30 days old, and they have identified that they have no record of receiving these letters. 

According the FCRA - I am requesting that these be removed immediately from my credit report. 

Also the fine for these items not removed is {$1000.00} for each offense FCRA Part ( A ) ( 5 ) ( B ) ( ii )  The Transunion representative said that they are not responsible for removing these items, However,, under FCRA Part ( A ) ( 5 ) ( B ) ( ii ) their process is not my problem, I have the signatures on the letters - they are now in breach of their responsibility for both of these items. 

In addition, their website is not working properly getting nay kind of status results in an error This has been going on for over 2 months and they have not fixed it.. 

The date started the date of signature these are now older than 30 days.These disputes as of today XX/XX/2020 are 40 and 35 days old respectively.
Consumer complaint received 2020-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I submitted a complaint to Bank of America. I was assigned a resolution specialist, XXXX XXXX. I have attempted to reach Ms. XXXX by telephone to no avail. I have left 3 voicemails. I received an email from Ms. XXXX on XX/XX/20 instructing me to call regarding the complaint I filed. The phone number in the email ( attached ) goes straight to a general voicemail box and not an individual.
Consumer complaint received 2020-08-18
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX {$1700.00} XXXX XXXX {$1400.00} XXXX XXXX {$330.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$79.00} XXXX  XXXX XXXX {$52.00} XXXX  XXXX {$150.00} XXXX XXXX XXXX {$55.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$850.00} XXXX  XXXX XXXX {$1900.00} XXXX XXXX XXXX {$850.00} XXXX XXXX {$500.00} XXXX XXXX {$410.00} XXXX XXXX {$590.00} XXXX XXXX XXXX {$970.00} XXXX XXXX {$43000.00}
Consumer complaint received 2020-08-18
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. (MS)

This is my third attempt to resolve this issue. My name is XXXX XXXX and this complaint is done by me. Experian did do an investigation and responded by saying they did not believe I was responsible for summiting the claim, which is an insult to my intelligence and ability find information given by the FCRA.
Consumer complaint received 2020-08-18
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. (MN)

i am working with XXXX XXXX XXXX that does credit repair from XX/XX/2019 to the present ..my count in TransUnion and XXXX pass status of limitation. the department of education acc :  XXXX and XXXX also pass status of limitation.
Consumer complaint received 2020-08-18
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. (FL)

MY INFORMATION WAS USED TO OPEN FRAUDULENT CREDIT CARDS THAT DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the  law.
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION (NY)

I have BBVA Visa Card one year and 2 month. Bad news, BBVA Visa replaced the card fourth time due to my card compromised three time with 14 month period. BBVA Visa someone inside leakage my information to third party and its charged in my account. I live in XXXX XXXX XXXX and all these fraudulent charges come from southern states of USA where BBVA have more activity. I did filed separate complaint against this bank about that. 
When BBVA issued the card last year they also offered 13 month 0 % APR on purchase and in their monthly statement in their second page they do provide information how much i owe on purchase and also showing 0.00 % due to offered and also say interest paid XXXX. They do not provide the information in their statement what date this 0 % APR going to expired date. Like other credit card do saying EXPIRED DATE of 0.00 % APR will expired, BBVA not provide complete information of 0.00 % interest of purchase expired. its make the consumer confusion and consumer think still o.oo % interest. When I received statement on line, I did paid all balance on the account and asked to refund the interest charges {$37.00}. On my phone call, BBVA representative Ms.XXXX did issued the ticket # XXXX on XX/XX/20. and she said it takes few days to see the credit in my account and also back office of BBVA have to approved it. yesterday when I was talking to other representative Mr., XXXX, Customer satisfaction dept, he did mentioned that still back office considered to refund the interest. Today, I received phone call from Ms.XXXX and she said she is higher officer and calling for my complaint on why BBVA blocked three card within 14 month and now i got fourth card. she still do not know why BBVA have this issue and compromised card several time. I want to bring all this information to CFPB to find why this bank BBVA have these issued and not provide complete information in their statement
Consumer complaint received 2022-06-28
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account number # XXXX Dates XX/XX/XXXX to XX/XX/XXXX Has violated my rights. 
I called the customer service number to open an investigation on several occasions on their website but the item still remains on my credit report. 
15U.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't furnish an account without my written instructions
Consumer complaint received 2020-08-18
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I posted an Ad on XXXX to sell my bunk bed frame for {$100.00}. this guy contacted my on XX/XX/XXXX thru email and ask for phone number. I shared my phone number, he text me that he is interest to buy and will send the check and asked me to confirm once I receive the check by mail.I share my residence address for check mailing. I received a cashiers check next day on XX/XX/XXXX amount {$1400.00}. I was surprised with the amount, he told me that the extra amount is to pay the moving company who will be there for pick up.I was reluctant to accept the check but he assured me everything will be fine then I tried to deposit the check thru mobile and ATM but in vain and by the time I reached bank it was closed this happened three days, finally I deposited the check on Sat XXXX in Bank of America. check was cleared on Mon XXXX. I confirmed him that the check is deposited, he said he will schedule the pick up, next day XXXX he informed me that they need payment thru online transfer since I had the money from the check I transfer the money thru XXXX transfer {$1300.00} ( {$1400.00} minus the bed price {$100.00} and additional {$70.00} for the trouble going to bank multiple times ) to XXXX. next day onwards I had power outage due to storm and were out of power for three days, I tried contacting him thru SMS but he did not reply. when the power was restored I checked my bank account on Mon XX/XX/XXXX and found that he got the check returned amt {$1400.00}, I called bank of America to report fraud that I was duped for {$1300.00} they filed a complaint, I also filed complaint with the local police case # XXXX my concern is how did the bank reverted the cashier check {$1400.00} without my authorization, they said they got call from other bank stating it as forged check and it was returned. on the other hand I lost {$1300.00} to this so called moving company. Is it this easy to make online fraud and get away with it? This guy 's number is still have he just blocked my number, I asked police to trace his number but they did not offer any help. I don't know what to do this is my hard earned money which I needed the most during this difficult time of pandemic, I hope to get my money back
Consumer complaint received 2022-06-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (OK)

I moved out of my apartment complex and received a move out statement about 1.5 months later. I disputed this bill and requested an investigation in writing ( as instructed by the apartment complex ) and followed up over 3 times. The complex ignored my communication attempts and sent me a " 2nd notice '' statement 131 days after receiving my initial move out statement. I then sent a certified letter once again stating my intentions at investigating and resolving the issue. The complex received, signed, and ignored my letter. 

**Please see the attached certified letter and emails for a full explanation of the situation** Four months after sending my letter, I received a call from collections ; however, I never received any written documentation from collections. 

I have two separate complaints : 1. The apartment 's calculated and purposeful lack of communication, as well as their lack of " investigation '' feedback as promised. 
2. The lack of written documentation from collections
Consumer complaint received 2020-08-26
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. (AZ)

I Sent in a Equity Letter exercising my Equity ASKING FOR THE " original instrument of indebtedness in its original form. '' which XXXX XXXX has failed to provide! This documentation DOES NOT!! HAVE MY Social Security Number Or Date of birth on it so how could they say THIS IS MY DEBT? 

I'M ALSO A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT! This is a direct violation Of the FCRA and the FDCP Act. 

This is : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act FCRA Section 623 CUSHMAN v. XXXX XXXX XXXX. US Court of Appeals for the Third Circuit Court case 115 F. 3rd 220 XX/XX/1997, Filed ( D.C. No. 95-cv-01743 ). 

They refuse to correct information after being provided proof of inaccuracy. 

I've also attached a NOTARY verifying my identity and a bank statement verifying my identity and address.
Consumer complaint received 2020-08-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Bread Financial Holdings, Inc. (GA)

My complaint against Comenity Capital Bank is based on their cancellation of my line of credit without prior notice. I have had this account since XX/XX/XXXX with an excellent payment history. I had been using this line of credit from XX/XX/XXXX until early XX/XX/XXXX to pay for XXXX  services. However, due to the pandemic, my XXXX  office was not in service and I therefore did not use my line of credit. I was notified via alerts from the credit bureau that my account had been closed. 

This unexpected cancellation caused me a terrible inconvenience and it affected my credit utilization. When I inquired about why my account had been closed, I was told they were not required to notify to give prior notice that my account was being closed. They also disclosed that the reason the account was closed was due to inactivity because there no new charges on my account. This is unacceptable. 

I have requested that my account be reinstated with an additional line of credit.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (FL)

My dispute is with a Wells Fargo ( WF ) credit card. I established my WF account when I was XXXX XXXX XXXX and was a customer for nearly 8 years without complaint. In XX/XX/2020 I went in to a local branch in XXXX, FL with the intention of canceling my credit card with WF. I paid approximately XXXX dollars to close the account out with a XXXX dollar balance and closed both my checking and saving account and moved my primary credit card over to XXXX XXXX. About 8 months later, an apartment renter 's insurance company charged my WF card for about XXXX dollars for yearly renters insurance. I was assured that my WF card was closed when I went in originally in XXXX and as such, WF should not have been able to process the charge 8 months later.

Now, nearly a year and a half later I am still getting charged for this fraudulent use of my card for which the account was closed out in full and should not have been able to be charged in the first place. this has ruined my credit score, my other credit accounts have had their credit limits reduced due to this mistake and I am continuously being harassed to pay back WF over XXXX dollars in late fees. I have tried reaching out to WF multiple times and they have not resolved this issue. This is affecting my life years later and I demand that my credit score be restored to its original score in the 720+ range.
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2020, The merchant XXXX returned the amount of {$170.00} back my serve card. However, serve has not issue a credit to the account and claims that the merchant send notices only and did not issue the credit. Serve actions goes right to the heart of Unfair Business Practices. I spoke with the merchant and they provided clear and convincing evidence reflecting the funds returned. American Express Serve statement shows the same. Serve plays with peoples money and is the reason they are delaying the credit. We are in the midst of a pandemic, those funds must be release immediately. It is clear that serve have engaged in Florida 's XXXXnfair Business Practices and I ask that you apply sanctions on this case.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (LA)

I called XXXX XXXX. I told them the account is over 7 years old. Its  been over 7 years since I turned the lease back in. I havent made a payment in over 7 years and it shouldnt be on there. The account says I pay every month. The lady told me it was gon na be reported to the credit bureaus and stay open as long as there is a balance.
Consumer complaint received 2022-05-14
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. (FL)

In accordance with Fair Credit Reporting Act 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-10-24
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. (NC)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2020-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX XXXX Noticed bank overdrawn - {$880000.00} XX/XX/XXXX XXXX Call BofA Customer Service . Said nothing they can do. Have to call this number XXXX XXXX XXXX XXXX. Straight to Voicemail. A voice of a Guy asking to leave name and number. 

XX/XX/XXXX XXXX Call BofA Customer Service. Said nothing they can do. Will transfer me to the Protective Services department. Hear a voice message suggesting closing the account and open a new one. Also to call XXXX if I have any questions regarding the voice message. 

XX/XX/XXXX XXXX Call XXXX. BofA rep XXXX ( Client # XXXX  ) says nothing she can do. An internal investigation team will call me in a few days. Suggests going into a physical branch to expedite resolution. 

XX/XX/XXXX XXXX Try to go to BofA @ XXXX XXXX XXXX XXXX , CA. It is closed on a Friday. 

XX/XX/XXXX XXXX Try to go to another BofA branch. Said have to wait 2 hours to see a personal banker. Cant wait that long. Have to go to work. 

XXXX XXXX attempted to go to BofA. The line was out the door. Asked a rep if I can talk to a personal banker. Said no one available today. Rep made an appointment at the neighboring branch for XXXX. A rep at the new location said there was nothing she can do. Called higher authority and said that I have to wait for a letter which will tell me what my options are. Rep said they sent out on XX/XX/XXXX. 

XXXX XXXX Called XXXX Bofa XXXX ( Preferred ID # XXXX  ). XXXX transferred to a different department. XXXX in Arizona from ( The know your customer contact He said the wrong department. Will need to transfer again. XXXX from ( Account closure ) Account is being under review. Call back sometime next week. Transferred to XXXX to add the unit number to address. Missing unit # XXXX. Reaching out to the risk department to resend the letter with the correct address. Transferred to the wrong department. Hung up XX/XX/XXXX XXXX Called Risk Department currently under review for a loan that I received in my account For {$22000.00}. Requesting time to work on the case. 

XX/XX/XXXX XXXX Account still frozen. Called XXXX and waited 30 minutes. Told nothing they can do and this was an issue in the investigative department. Was also told that they dont send letters and that they will call.
Consumer complaint received 2022-07-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (OH)

I was refinancing with Cross Country Mortgage in XXXX of XXXX. It was closing on XX/XX/XXXX. One thing XXXX XXXX from Cross Country Mortgage promised us is our first payment would be due XX/XX/XXXX. On XX/XX/XXXX when the notary came to sign the papers at our house, she noticed that the first payment date was XX/XX/XXXX. I immediately called XXXX XXXX and put him on speaker so the notary could hear and I had a witness. XXXX said that he would correct the paperwork after it was signed because it was going to hold up payment. I turned to the notary and she said that she is a witness. It turns out that Cross country sold my mortgage XXXX days later to XXXX and the XXXX payment was due XX/XX/XXXX. I called Cross country and said " they aren't going to do anything '' I am having the notary named XXXX write mean affidavit to what was said by Cross country on that phone call. My lawyer said today that they have breached our contract and that is why they sold it to XXXX. Cross country is even keeping my escrow payment that was supposed to have been sent to me after it closed. Please someone help with this XXXX XXXX