davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

There was a {$60.00} dollar unauthorized fraudulent transaction on my Bank of America account, that i filed dispute with bank. First they issues me temporary credit, but now they reversed the funds. 

I am a victim of fraud. But bank is denying facts..
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (HI)

On XXXX XX/XX/2023 I received a credit notification that my credit rating dropped by XXXX points due to a reported late payment on my Credit Card ending in the number XXXX. My account was not late. I confirmed this by calling your customer service department the same day. They reaffirmed that my account was not late was was never late on a payment. A late payment was submitted to my credit report unfairly. 
I kindly request you remove the late payment notification from my account and restore my credit score. I am a good and loyal customer and it is my hope that you will take care of this matter quickly.
Consumer complaint received 2022-06-08
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. (PA)

Every time I dispute this erroneous info I get serious run around from XXXX XXXX ; they incorrectly and secretly charged me an XXXX cent late fee in XXXX, 2021 ; They realized that I never should have been charged that hidden fee and reversed it on XX/XX/2021. Problem is they refuse to update the credit reporting agencies that I was in fact NEVER past due! 

Whenever I call them about it, they empathize and tell me they'll fix it, but then they don't. 

Please help- this is insane!
Consumer complaint received 2022-09-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MD)

XX/XX/2022, I tried to deposit {$900.00} in Wells Fargo ATM, XXXX XXXX, MD. But ATM screen showed {$800.00} instead of {$900.00}. While I was trying to figure out to take out {$900.00} back, I happened to touch the button for withdrawing {$1000.00} without my knowledge. When I got the money back, it was XXXX instead of XXXX. I went back in the branch to talk about the {$100.00} ATM machine took and never gave back. 

The banker named XXXX ( or XXXX ; XXXX hereinafter ) didn't seem to believe what I said. Then, the couple behind me mentioned that a gentleman outside was looking for me because the cash from ATM was hanging out then got back in the machine. I ran out and found the man standing in front of ATM, and thankfully he entered in the branch and testified that he witnessed the money hanging out of ATM. Until then, I thought the hanging money it was {$100.00}. 

But, XXXX kept on asking few times about {$1000.00} withdrawal that I didn't know about. I only touched the button, which I learned later on that the button was for withdrawing {$1000.00} and the money the gentleman saw was {$1000.00} that got back in the machine. 

Now, I got {$1000.00} back mostly thanks to the gentleman 's in-person testimony. However, Wells Fargo said their investigation concluded that {$100.00} was not wrongly taken by the money. 

I counted the money of {$900.00} at XXXX XXXXXXXX XXXX where I stopped by before going to Wells Fargo. Plus, XXXX commented that the ATM I used ( at that time ) has " problem '' and is waiting to be replaced. I asked her to shut down ATM and/or put up a sign so that the customer would not go through the same problem I went through. But she said the headquarter didn't approve of shutting it down or putting up the sign. 

I personally put the sign on the same day after I got a paper and pen from XXXX XXXX XXXX  I went to after Wells Fargo. ( I have a picture for that ) I got Wells Fargo 's investigation result and called back the number to dispute. But the customer representative on my case said there is no other way to dispute the amount, and this is the final conclusion. I asked a lawyer about Wells Fargo 's negligence in managing malfunctioned ATM machine that led to taking my {$100.00} wrongfully. But I was told it will take a lot of money to file a lawsuit against them. So, I have given up until today when I saw a post at XXXX about ATM malfunction and got it resolved through CFPB. 

{$100.00} is not big money to some people, but it is big money for me. Plus, the bank has no right to take my {$100.00} without any reason and simply concluded their investigation.
Consumer complaint received 2023-03-18
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. (MI)

On XX/XX/XXXX I pulled my consumer report from Experian, XXXX and XXXX XXXX. I noticed that an unauthorized alleged debt with the balance of {$14000.00} was placed on my consumer report from XXXX dated on XXXX, XXXX, XXXX. I, hereby state as a natural consumer have never authorized or gave consent for this alleged debt that is misleading and inaccurately reporting by this company. I do not recognize this alleged debt, and upon of asking the company for debt validation including my wet signature, thumb print, photo ID, original contract ( s ), my authorization and consent of this alleged debt of {$14000.00}. Instead, they sent to my adress a document in which appears to be a computer generated signature and an unfamiliar statement. The document appears to be typed by someone other than myself, a fraudulent signature and inaccurate/misleading information. The company XXXX has yet to respond through the Consumer Financial Protection Bureau and I am very concerned in the way this matter is being conducted. My consumer right as a natural person states that as the original creditor I can only validate debt and this alleged debt does NOT belong to me as I've never given any consent and no consent for it to reflect upon my consumer report. I present attachment ( s ) of exhibit ( s ) that shows a trail of paper communication between an associate and I for the company XXXX of the meaningless document that was sent to my address. This matter has caused me such stress and anxiety. I have emotional distress due to the fact that this alleged debt of {$14000.00} placed on my consumer report shows that I am not protected as a consumer from Experian, XXXX, XXXX or this company. This alleged debt is causing harm against my livelihood as I can not be approved for lines of credit or mortgage loans to purchase a home for my family, I have been denied credit and this alleged debt has negatively impacted my debt-to-income ratio and I can not even afford my current rental home. This company has invaded my privacy, is defaming my character and credit worthiness. This company is in violation of 15 U.S.C 1692, 15 U.S.C. 1692g, and 15 U.S.C. 1692e, This company has not senT me any evidence or proof that I signed or consented to this alleged debt or given any evidence requested on my behalf on how this debt belongs to me other than a fraudulent computer generated document with information that does not belong to me, which in turn makes their " verification '' investigation null and void. I will conclude that XXXX is either unwilling or unable to furnish original FACTUAL documentation with leading and actual evidence of myself authorizing the alleged debt.
Consumer complaint received 2023-03-08
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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 2022-12-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (NY)

I lost my job at the beginning of COVID about 2 years after the death of my wife and the birth of my XXXX  boys. I have a VA loan so it's federally guaranteed, and any missed payments were supposed to be tacked on to the end of the loan. Well every time I tried to get the loan out of forbearance they would send me paperwork that has my wifes name on it, I sent them the death certificate in XXXX of 2020 in my first attempt to get out of forbearance. They still to this day have not produced documents that do not have my wifes name on them so they sent a notary out to my house on two separate occasions who was supposed to view the death certificate and note that she was deceased and all would be good. Both times it was denied by the underwriting department. Now they have changed from the forbearance deal where missed payments get put on the end of the loan to a 7.5 % ARM from my 5 % VA because I " didnt get it done in time ''. 

They just sent me another set of paperwork, again with my wifes name on it, so they want me to do this rodeo yet again. And every time I do it it causes more and more problems with the loan servicer, Penny Mac.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

In accordance with the Fair Credit reporting act the following creditors violated my rights under the 15 USC 1681 section 6 o 2 states " I have a right to privacy ( 15 USC 1681 section 604 states a consumer can not furnish an account without my written instructions under 15 USC 166b, my XXXX account, Bank of America, XXXX XXXX, and XXXX XXXX. Looking to have it reflect correctly on my XXXX, XXXX and XXXX account. 

Under the FDCPA, a debt collector may not call any person repeatedly or continuously with the intent to annoy, abuse, or harass them. I received multiple calls from XXXX demanding payment from a debt that is now in a charge off state, I need the following accounts removed from my credit asap, because I have every right to fair treatment.
Consumer complaint received 2022-06-08
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: AMERICAN EXPRESS COMPANY (OH)

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b : 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.
Consumer complaint received 2022-07-29
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. (NC)

XX/XX/22 To Whom It May Concern, Recently I was made aware by Experian that XXXX issued a late payment notice to them on my account with them. However, this is not the case. 

I called my own bank first on XX/XX/22 and was told and could see for myself, via my online banking portal, that XXXX was paid out automatically on XX/XX/22. 

I also called XXXX directly on XX/XX/22 and was told that they had not issued a late payment notice and that the customer service operator, XXXX, could see that the payment had indeed been made. Furthermore, XXXX said that XXXX had NOT issued a late payment notice! 

Of course, even though the payment was made and XXXX themselves did not issue the notice, I do not want this false notice to affect my credit score. 

In addition to my bank XXXX and XXXX I also disputed this with Experian. Experian researched the issue and 24 hours later it was updated, and I have no idea what that means as they were not forthcoming with any additional information and suggested that I contact XXXX. 
XXXX at XXXX gave me the contact information for your bureau, and I sincerely hope that this can be dealt with in a timely fashion. 

Please contact me if I can be of any further assistance! And thank you very much for any help with this matter! 

Regards, XXXX Should I ask for something via email or written form to support my claim?
Consumer complaint received 2024-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MI)

Citi bank sent me an email ( attached ) with offer of {$700.00} if I open a new checking account and maintain a balance of {$50000.00}, which I did. They still have not provided the {$700.00} bonus. 
I requested the bonus via chat and 2 phone calls. Both phone representatives agreed that I met the requirements. I received 2 letters ( attached ) rejecting my claim for the promotion bonus. Neither letter explains why Citi will not honor the solicitation of their bonus promotion. The chat confirmed I met the requirements. 
They enticed me to open a new checking account and deposit {$50000.00} for 60 days under false advertising.
Consumer complaint received 2022-06-08
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. (FL)

XXXX XXXX XXXX  XXXX # XXXX, n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-09-18
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. (GA)

XXXX XXXX XXXX XXXX Account # XXXX The account has been disputed twice and Transunion has stated that the account has been validated. However, the account status has not been updated since XX/XX/2017.
Consumer complaint received 2022-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022, Bank of America took out the funds in my account again - {$330.00}, my savings card has been locked and can't be used, call customer service, check the information, and tell me that it can be used, but it doesn't work, repeated this many times, on XX/XX/2022 I received a new card, the card number has not changed, I am very angry, again, I changed the card I was using without permission, and deliberately delayed the time, The reason for the transfer given by the bank is different for each statement. If you can't reply, you can find a reason to end the conversation. It is all the same. It is said that I have overdrafted arrears in another checking account in the past. Can the checking account support overdraft? If it can, then there is no deposit check, there will be a bounced ticket. Also, do you want to notify me of the debit, instead of hiding it? Also, the deduction is twice concealing the replacement of my card, why is this? The customer service staff said that the bank has the right to operate the replacement for the customer without telling the user. I have recorded the multiple calls. If there is no problem, why do I need to change my card after deducting the money? There is no need to argue against me like this, the bank 's practice, I also checked and a lot of information on the Internet, I can be sure that I was targeted, the bank 's operation is not reasonable.
Consumer complaint received 2022-09-18
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-18
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (GA)

So, I am a XXXX  XXXX participant with XXXX XXXX XXXX XXXX. We signed a contract with XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. I never had the opportunity to move into the unit due to no heat or hot water.I did not know that before signing the lease. I had already turned on the proper accounts in order to access these services in my name, through XXXX XXXX and XXXX XXXX. The development XXXX XXXX had not repaired the issue of installing a new water heater which was broke., also I was not able to access heat during this winter month because their was a mechanical problem with the heating system in the unit. I was not aware of these issues until I went into the unit to turn on the heat and to take a shower. I called and went back to the leasing office to speak with the property manager who worked with me to move into the unit. I arrived and she stated that I must put in a work order for maintenance to come out. I asked if they could come now because the unit was cold and I wanted to shower. Th
Consumer complaint received 2022-09-19
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, NC 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
Consumer complaint received 2022-07-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I have a Line of Credit or Equity Line on our home that I applied with for at Suntrust. A merger took place and Truist acquired our loan. When making payment online the payment was not processed correctly because Truist did not recognize Suntrust system. So every month I have needed to call in to get payment allocated correctly. I had two parts to my loan and one was revolving and the fixed loan. I tried to pay small loan off and just have fixed loan option and took 3 months to get this done. Now Truist is saying I owe back interest of almost XXXX dollars which is more than my daily perdiem on loan. When I make a payment they keep taking my entire payment and apply all to interest and no principal for two months now. I have paid full amount due which is a XXXX and now they say they can take all my payment and put it to interest which is wrong since fixed term was to be interest and principal with month per diem being about XXXX  monthly. No one takes responsibility or can fix it due to they dont know why. Every time I have been told it was corrected it has not been.
Consumer complaint received 2022-09-18
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: Resurgent Capital Services L.P. (FL)

According to the FCRA the following companies LVNV Funding LLC account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX, & account XXXX have violated rights 15 U.S.C 1681 section ( A ) ( 4 ) I have the right to privacy 15 U.S.C 1681 section ( B ) ( a ) ( 2 ) nothing can be furnished to my consumer report without my written consent 15 U.S.C 1681 section ( A ) ( 3 ) ( a ) ( b ) ( c ) any medical bills or information should not be on my consumer report.