davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

In XX/XX/XXXX my house was visited by XXXX women XXXX of which was identified as XXXX XXXX. She attempted to forcibly enter against my XXXX mother she attempted to damage private property and she made threats on both me and my parents lives on a recorded car in addition she made mention that she had all of our Social Security numbers that she obtained from her job and that she was going to end us. I dont know this person however when I looked her up I assume that she worked for XXXX Bank I contacted them they confirmed that she did not work for them somehow someway in her LinkedIn profile it said that she worked the Bank of America XXXX contacted them back in XXXX or XXXX of XXXX. They had an investigator contact me regarding the matter saying that this person does not work at their establishment and assured me That no information of mine or my mothers was breached however on XX/XX/XXXX to the party disclose she does work for Bank of America and also verbalize that Bank of America informed her of my contact. She relayed she works for Bank of America and works from home. So Bank of America lied to me when they said that this person was not employed with them. In XX/XX/XXXX my identity was stolen where someone attempted to take out a loan in my name. in XX/XX/XXXX again a fraudulent claim came across my credit card with XXXX. This party who works for this banking institution has been relentless in sending me numerous threatening text emails and voicemails indicating that she has connections to be able to see all my information and in my life. We are currently an active court proceedings because this person is relentless in her harassment and threats
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; Inquiries : XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2023-12-26
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. (NJ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC (SC)

I'm writing to request a correction to my & my wife 's credit reports to all the 3 credit bureaus : XXXX, XXXX  & XXXX. I have paid every mortgage payment on time since the inception of our mortgage account. 

In XX/XX/2020, AMERIHOME made a mistake and did not apply my {$1100.00} payment submitted on XX/XX/2020 to my mortgage account. This resulted in a 30-day delinquency noted on our account and credit reports. 

I submitted my XXXX payment on time ( as usual ) not knowing that the previous payment was not applied. On XX/XX/2020 the {$1100.00} payment submitted on XX/XX/2020 was returned by AMERIHOME into my XXXX  XXXX XXXX checking account. 
( see support documents : XXXX XXXX XXXX Transaction Details : XXXX & XXXX ) I submitted the XXXX payment on time ( as usual ) still unaware of the unapplied XXXX payment. Later in the month of XXXX, I discovered the error and immediately made another payment on XX/XX/2020 to catch the account up. All previous and subsequent payments were made on time. 
( see support documents : XXXX  XXXX XXXX Online Banking : AMERIHOME Payment History ) I take my mortgage obligation very seriously and as the supporting documents indicate, I always initiate payment in a timely manner. It was AMERIHOME that did not apply the XXXX payment to my account, ultimately reversing the payment into my XXXX  XXXX XXXX checking account. When I explained what occurred to AMERIHOME customer service, the agent acknowledged the mistake and waived three ( 3 ) {$39.00} late charges totaling {$110.00} on XX/XX/2020. The late charges were waived, but my credit reports still reflect a delinquency that negatively impacts my XXXXredit score. 
( see supporting documents : AMERIHOME Customer Account Activity Statement ) I've contacted AMERIHOME via phone, email and fax communications at least a dozen times beginning XX/XX/2020 with no resolution. 

Therefore, I'm filing this complaint with CFPB. Please advise if additional support required.
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My BofA business card had fraudulent charges placed on it. I have made multiple attempts to get through to BofA to handle this by phone ( as they do not offer any online dispute requests for their business cards ), to report the fraud, to close the card, etc. Interminable hold times and often after waiting on hold just get an automated voice stating that no representatives can answer the call and to try again later. It is apparently impossible to get through to BofA by phone and they offer no other way to deal with the issue. 

I have not used this card in months. Any charges on it ( currently one charge and one credit from XXXX which doesn't even operate in XXXX XXXX ) are fraudulent and I want them removed. And I want the card closed as I do not wish to do business with BofA any longer.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion will generally not answer a call and their staff members on incompetent. I have tried to resolve an issue that states " Account Security : Your account has been temporarily suspended ''. This has been on my account for over 120 days and is preventing me from obtaining credit. This has created a hardship for me. I have spoke to their associates and they say that they will send me a " password reset ''. I question them about it and they tell me that it will clear up the matter. Then I go through the entire hassle and it does nothing. 

If this company can not be responsive and can not fix issues that they created, then the Federal Government should enforce the penalties associated and eventually they will correct their behavior or be forced to close.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (NY)

I'm having a hard time with Wakefield & Associates reporting a debt that was paid by my insurance company ( see attached statement ). I've called this company, disputed this with the credit company ( XXXX ) three times and Wakefield & Associates keep saying that the debt is correct, the balance owed to Empress after my insurance payment is {$90.00} that's being reported by XXXX XXXX XXXX. I would like for the two items to be removed from my credit report and I believe Wakefield & Associates is in violation and should be fined for this violation. 

Thank You for your help with this matter.
Consumer complaint received 2022-04-25
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. (NC)

I received an copy of my credit report on XX/XX/2022 in which I noticed negative items that I have been requesting be verified for over 4 months. I have no knowledge of these accounts nor have I received any documentation bearing my signature in relation to them. I have sent multiple disputes to the credit bureaus as well as a FTC compliant in regards to these accounts not being mines. No investigation has taken place and I still see these accounts reporting on my credit report. 
XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX  ACCT # XXXX These items are reporting inaccurately as well as showing different amounts.
Consumer complaint received 2021-08-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

I was defrauded by Loan Depot, NMLS / LICENSE ID XXXX this morning. I took Mr. XXXX XXXX, XXXX XXXX XXXXCENSE ID XXXX unsolicited call this morning around XXXX XXXXXXXX  promising 15 years loan at 1.75 % interest at no cost. Mr. XXXX was made aware that I am in a middle of a refinance with XXXX XXXX for 1.875 % at zero cost for also 15 years. When I asked if he could beat that deal, he confirmed that he could do 1.75 % at zero cost. When I received the paperwork at XXXXXXXX XXXX  today, I found out that I am being charged more than {$8500.00} in closing costs. When I asked Mr. XXXX to correct the loan estimate based on the promise that he himself recorded during the call with him, he said '' do not worry, my boss will approve it and will send you the revised documents very soon, no later than 15 minutes from XXXX this morning. 

As I received nothing, I sent 2 emails and left couple messages to Mr. XXXX, Mr. XXXX answered around XXXXXXXX XXXX  saying he is waiting for his boss who has been in 2 hours meeting. I did call your customer service to complain who also advised that neither XXXX nor his Managers were available. 

Mr. XXXX did collect {$21.00} in advance for credit report and obtained my consent to run my credit based on a false promise. He also asked me to provide XXXX ' documents to show to his boss and collected personal information based on the same false promise of a XXXX  cost@ 1.75 % for 15 years. 
I had a horrible experience with Loan Depot back on XXXX of last year where I paid the same credit report fees and I ended up going no where. 
Mr. XXXX 's call to me this morning was unsolicited and I regret that I wasted my time and took it and provided my personal information once again to an organization like Loan Depot that does not value customer service or customer rights, or abide by the regulations. I requested that Mr. XXXX does not destroy the recording of the call this morning where Mr. XXXX stated the loan details. Mr. XXXX advised that such recording is a company policy and destroying it may be tampering with potential investigation by the concerned agency.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

*Complaint Against Bank Of America Risk Closure Department* In late XX/XX/scrub> 2024 I deposited a check ( {$5000.00} ) from my employer. After clearing and posting in my account, the bank later reversed the deposit. The reason given after calling on XX/XX/XXXX was " counterfeiting ''. Other employees who deposited this check also had similar issues. My employer informed me that they would give us another check and that this time they could confirm that there would be no issues with it. After depositing the 2nd check my account was closed. I called my employer and issuing bank ( XXXX XXXX ) to confirm the validity of the check which they did. After speaking with numerous Bank of America departments, the check verification department informed me that they were not the ones who flagged my account and that instead it was done by risk closure. After doing more research with the other employees, a sickening realization was made. Bank of America ( along with XXXX XXXX  ) immediately closed the accounts of all lower-income and minority employees who had deposited these same checks but had cleared these same checks for higher-income status employees. After closing my account I was informed that a 2nd review would be performed ( XX/XX/XXXX ) and would take 5 business days ( XX/XX/XXXX ). This will now be almost 3 weeks of being unable to access my account, pay credit cards, pay bills, and fund my overdrawn brokerage account, etc. This has caused me brokerage fees, a plummeting credit score, and severe financial hardship as I can not purchase necessities such as food or transport. Bank of America even refused to transfer the old money in the account ( not from the check-in question ) into a different account so that I may survive. This complaint aims to expose the following : 1. The clear example of Debanking that institutions like Bank of America are executing 2. The lack of warning and communications for check deposit issues and account closures.

3. The overly bureaucratic account closure policy that freezes and locks up funds for extended periods thereby impacting consumers ' ability to access funds.

4. The blatant racism and poverty-based discrimination faced by many consumers in banking
Consumer complaint received 2024-10-16
Product: Credit reporting 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. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : 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 experian Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

I request an immediate investigation of the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I request that they be removed from my credit report. I also request that I be provided with an updated copy of my credit report once any necessary corrections have been made. A copy of my identification is attached to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

In accordance with the Fair Credit Reporting act, The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  15 U.S.C 1681 section 602 A State, I have right to privacy 15 U.S.C 1681 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, 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 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian credit reporting agency please delete XXXX  account from my Experian credit report please delete XXXX XXXX XXXX XXXX please delete from my XXXX  credit report I have proof for all the incorrect information on my Experian and XXXX  credit report here is all your proof all three Credit bureaus have to report the same way across all three credit reports and they are not doing the right thing please delete