davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I contacted the Bank Of America Claims Resolution department via phone on XX/XX/2021 and advised them of the issue with my account. They promptly responded just this time 10 days after I contacted them about the issues with my account. They advised me that they would be contacting me in 10 days and would have a resolution for me due to the issue pressing on for months and months. They did not contact me 10 days after so I filed a complaint with the comptroller of currency of Texas due to the lack of order shown by the Claims Resolution department. They then contacted me and advised me that they would contact me 10 days additional with a resolution since they received and complaint via the comptroller of currency with the issue they hadn't resolved as they advised they would. They then closed the account that the issue associated with and now have told me that they have no information pertaining to the dispute and this is after they have opened me a new checking and savings account number under my same name and have no information regarding the claim from the prior account that was supposed to be resolved per consumer rights laws and regulations. I have been trying to get them to resolve and correct this issue since XX/XX/2021 and am now waiting again on the phone for almost a hour and still no resolve. I'm not sure who this department is that I was sent to to have this issue corrected but I'm very distraught not only to the lack of adherence to Federal laws and regulations required of large corporate banks such as Bank of America, but also because of the fact that a total of {$3300.00} has just mysteriously vanished and they have completely fandangled their way into somehow saying that this dispute doesn't exist at all. The original claim number is XXXX I'm certain that this is a mistake and they hopefully will correct this error. I'm not speaking with XXXX in Delaware in the fraud department. I advised that I would be submitting a new complaint with the issue. Please help me I feel like I just completely have been disregarded as a loyal customer of Bank of America for over 13 years. I was just advised that the original issue was established XX/XX/2021 per Bank of America Representative.
Consumer complaint received 2022-03-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2022 my husband was tricked by a scammer to send {$490.00} via XXXX. During the phone call, he realized what was happening and he hung up and immediately called our bank, Wells Fargo. The hold time to speak to someone at Wells Fargo was 40 minutes. By the time he was able to tell a Wells Fargo banker that he did not authorize the transaction, he was told it was too late. The banker took down all of the information and said he would open an investigation. On XX/XX/2022 I called the bank because the {$490.00} withdrawal was still in the " pending '' section of our bank account. I wanted to make sure Wells Fargo was aware that we did not want this transaction to go through. I was told an investigation was underway. On XX/XX/2022 I called Wells Fargo to inquire about the process and was told the investigation was closed, no fraud had occurred as my husband authorized the transaction. On XX/XX/2022 we received two letters from Wells Fargo saying they had completed their investigation and there was nothing they could do. On XX/XX/2022 I contacted Wells Fargo corporate office and on XX/XX/2022 I received an email from XXXX XXXX stating that she would be looking into the matter. On XX/XX/2022 XXXX called me on the telephone and stated that there was nothing Wells Fargo could do, the money had already been transferred. I asked what measures Wells Fargo has in place to protect us in this type of situation. She said XXXX transfers are instantaneous. I asked why there have been no protection measures put in place when it has been publicized in the news that the banks have set these transfer processes up themselves. I also asked why we had to wait on hold for 40 minutes when if Wells Fargo 's customer service had answered in a timely manner they could have stopped the transaction. She responded that they are busy and they are dealing with a lot of scams. On XX/XX/2022 I asked that the denial be put in writing. On XX/XX/2022 XXXX XXXX sent me an email apologizing for the lengthy wait time and providing me with information to learn more about how to avoid being scammed in the future.
Consumer complaint received 2022-03-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months.
Consumer complaint received 2022-03-21
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: Experian Information Solutions Inc. (FL)

Since XX/XX/XXXX, I moved outside the XXXX for work related reason. During all this years I was living in XXXX until XXXX. During this time I came to US for leasure for a week or two and then returned to XXXX. During this time I had a mailing address and during the COVID days, since the restrictions came into effect for traveling I was unable to go to USA and my last time here in XXXX was XXXX and I returned back to US last XXXX. During this time I stayed in XXXX and never requested any loan or financing for any company or lender. So, in XXXX last year I received unwanted letters from two Collectors company : one XXXX XXXX XXXX, representing XXXX XXXX XXXX XXXX n. for the amount US {$4900.00}. On XXXX XX/XX/XXXX I sent a letter to XXXX claiming the account is not mine and Im being a victim of fraud/crime and they still claim the account is mine. I never borrow any money or did any business with them on the amount above. I requested documentation and also the contract with my signature and they never sent to me. 
The other company XXXX XXXX XXXX is the second company claiming that I owe them, and they are representing XXXX XXXX. XXXX XXXX XXXX aka XXXX XXXX both of those companies are credit card services with XXXX. The amount they think that I owe them is XXXX {$4100.00} and also I sent a letter to this company last XXXX. I requested documentation and also the contract with my signature and they never sent to me. 
I have to say that during this time I couldnt access my credit report from outside of USA because the companies ( XXXX, experian, and XXXX XXXX ) they have restricted/prohibited to access their websites from outside of US. 
All I have to say that I never BORROW OR FINANCED anything in the past 10 years and Im being a victim of Fraud/Scam from whoever used my ID without my consent. 
I requested the 3 credit report companies to have those illegal claims removed from my report and it was denied because they till believe this accounts are mine and they are NOT.

Because of this Ive been denied credit to by an auto ( auto-loan ) and possible purchase a home but because of my credit score I have been declined many credit cards application and this is affecting my life on a daily basis.

I hope they understand that Im in a good faith and fix the problem ASAP. 
I have proof that I wasnt in USA during the time they approved those credits and never authorized anyone to borrow or finance under my name and social security number I EXPECT THEY REMOVE FROM MY CREDIT AND GET MY NAME AND SCORE REESTABLISHED Also I filled a Police Report at the sheriffs office of my county
Consumer complaint received 2022-03-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is an issue with all 3 credit bureaus not deleting out of statute accounts, and not allowing me to re-dispute. They are re-aging tge accounts, and in one instance, the account with XXXX XXXX XXXX was paid off completely, but marked as never paid to all bureaus. This is so frustrating.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

According to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or Experian such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted Experian, XXXX, XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : XXXX XXXX XXXX, XX/XX/XXXX of listed late payment XXXX. XXXX XXXX XXXX of XX/XX/XXXX, listed late payment Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the above mentioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation.
Consumer complaint received 2022-03-10
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. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (NC)

Hi, I first noticed my XXXX platform was blank and not populated with the dozens of businesses I have on auto debit, mortgages, utilities, credit cards, insurances etc on XX/XX/28, shortly after the official merger between Suntrust and BTT ( now Truist ). I had been a Suntrust member for decades. I reached out to my XXXX on several calls, emails and in person to no avail. I reached out to tech support on XXXX, XXXX days after informing my branch XXXX of the blank platform and was told they were aware of the problem and were doing their best to resolve, but with no timeline to repair answered. 
I can not see which payments are being sent, I can not stop or change the payment amounts ( utilities for example change every month ) and my XXXX mortgages have new escrow calcs due XXXX which I can not address or pay. I know this is a widespread and known problem within Truist, but feel insufficient resources have been XXXX to resolve this critical flaw. I don't even know which accounts I have on auto debit at this point, adding to the frustration. 
The merged entities had over XXXX months to ensure a smooth transition and have failed miserably. I do not have access to my funds as a result, something I feel I deserve as a banking customer. 

See press release here : The transition to the full Truist experience will occur as systems are integrated over the next XXXX years. There will be no merger-related changes to account numbers or routing numbers for checking, savings and money market accounts for the vast majority of clients.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

According to the Fair Credit Reporting Act, Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-21
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX at XXXX am p.s.t.. I received a call from a XXXX number. My phone ID it a scam call. They left a message that a failure to return the call will result noted as a forfeiture of my rights. It was also stated that this was a call to order legal representation and to notify a local county processer if I did not respond. The number they gave to call back is XXXX to speak to the next available agent. I called the number and the same person who left the message with no name answered the phone. She never confirmed any information of who I was other than the phone number they called and a name. She put me on hold, the call dropped. She called back from XXXX then when she came back on the line stated that they were call on an old Capitol One account that they go from another party not the original creditor. No MINI-MIRANDA WAS GIVEN. I guess since the debt was old. I asked her for the date of last payment, she could not confirm and said that the account went past due some time in XXXX. So I asked for a letter from her company and she refused to send one saying that letters have been sent. Told her no letter of been sent from any collections agency 's regarding this debt or any phone calls either in many years other than the original creditor. She then procced to threaten legal action and ended the call.
Consumer complaint received 2022-03-10
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: Experian Information Solutions Inc. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-10
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX and at this time, I will also inform you that XXXX XXXX offices have reported invalidated information to all 3 of the major CRA 's ( Experian, XXXX or XXXX ). XXXX XXXX, whom you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The account is charge-off/collection account. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. XXXX XXXX and their inaccurate reporting have damaged my livelihood & caused me anxiety. I wrote to XXXX XXXX via certified mail on XX/XX/XXXX, requesting for a Validation and they IGORNED my Debt Validation Request. On XX/XX/XXXX at XXXX I wrote to XXXX XXXX XXXX XXXX Chairman and Chief Executive Officer & XXXX XXXX XXXX Vice President and CEO of XXXX XXXX XXXX and I got no response from them either. In my letter I stated they had 10 days to remove the unverified item and again I heard nothing. This is the 2nd time XXXX XXXX ignored my requests. In this complaint I attached a copy of the certified mail receipt along with my debt validation letter that XXXX XXXX ignored. Along with a copy of the email I send to the XXXX XXXX CFO 's that was also ignored. XXXX XXXX has violated my consumer rights, not once but twice! I want XXXX XXXX to stop violating my rights and remove the item from my consumer report. By law the CRA's/ creditors etc has 30 days to complete a 30day investigation, & XXXX XXXX failed to do so. The 30 day mark has come and gone over 4months ago! Therefore Experian Information Solutions Inc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by law shall remove the item from my consumer report. There is a laundry list of damages caused upon me from XXXX XXXX & the CRA 's!. 
If any debt collectors, creditors are not able to provide the proper documentation as requested in a Declaration, all collection activity shall CEASE and Desist. 
Overall XXXX XXXX office fails to respond to the validation request within 30 days from the date of my receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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
Consumer complaint received 2022-03-10
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX and at this time, I will also inform you that XXXX XXXX offices have reported invalidated information to all 3 of the major CRA 's ( XXXX, Equifax or XXXX ). XXXX XXXX, whom you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The account is charge-off/collection account. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. XXXX XXXX and their inaccurate reporting have damaged my livelihood & caused me anxiety. I wrote to XXXX XXXX via certified mail on XX/XX/XXXX, requesting for a Validation and they IGORNED my Debt Validation Request. On XX/XX/XXXX at XXXX I wrote to XXXX XXXX XXXX XXXX Chairman and Chief Executive Officer & XXXX XXXX XXXX Vice President and CEO of XXXX XXXX XXXX and I got no response from them either. In my letter I stated they had 10 days to remove the unverified item and again I heard nothing. This is the 2nd time XXXX XXXX ignored my requests. In this complaint I attached a copy of the certified mail receipt along with my debt validation letter that XXXX XXXX ignored. Along with a copy of the email I send to the XXXX XXXX CFO 's that was also ignored. XXXX XXXX has violated my consumer rights, not once but twice! I want XXXX XXXX to stop violating my rights and remove the item from my consumer report. By law the CRA's/ creditors etc has 30 days to complete a 30day investigation, & XXXX XXXX failed to do so. The 30 day mark has come and gone over 4months ago! Therefore XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Equifax Information Services LLC by law shall remove the item from my consumer report. There is a laundry list of damages caused upon me from XXXX XXXX & the CRA 's!. 
If any debt collectors, creditors are not able to provide the proper documentation as requested in a Declaration, all collection activity shall CEASE and Desist. 
Overall XXXX XXXX office fails to respond to the validation request within 30 days from the date of my receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.