davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

For the past month all my check deposits have been subject to hold times of 10 plus days. This was not the case prior to XXXX, 2022. The hold on deposited checks is the entire amount of the check and is not allowing access to first {$5500.00} dollars. In cases where the sum of the deposited checks is less than {$5500.00}, the checks are still being held. The account has been open for more than 10 years thus beyond the 30 day window and the account has never been overdrawn, also, in the history of the account, there has never been a bad check deposited into it. The customer service representatives use a preset script to discuss the issue with you, however, Bank of America is not following published federal guidelines on the check deposit policies.
Consumer complaint received 2023-01-17
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. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts 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 2023-01-17
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. (NY)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts 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 2016-11-09
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (CA)

My Gold American Express Credit Card has had Fraud since about XXXX or XXXX of 2016. I 've been making contact with American express to get the amount that I owed for my payment considering the fraud on the account. I told them I was n't going to pay unless everything was calculated properly and fairly. Finally, XXXX approaches and my account is the same. I did n't see any deductions. Every time I call they tell me its been taken care of. At the time, I get an alert from the credit bureau saying my account is 30 days past due. I called again and they stated that would be taken off. XXXX finally comes and I deal with the same thing. XXXX comes and I am still dealing with the same thing. At this point I am highly stressed out and do n't know what to do. I am asking to speak to the American Express Credit Bureau dept and no one wants to put me through. They keep saying I 'll see updates. At this point, I get an alert and it says my account is 90 days past due. Towards the end of XXXX I spoke to an account specialist who finally understood what I was saying and he did what he could do. He told me my account would be back open by XXXX XXXX and if it were n't to give them a call back. He also stated that my account should be back current because I should n't be responsible for unauthorized use. He said he read all my notes and can honestly tell me that I should n't have to go through this and that nothing was my fault. His name was XXXX and his XXXX. Besides that, I called XXXX XXXX, 2016 and my account was n't open still and apparently the rep I spoke with told me I had to reapply which is extremely unfair by the way.
Consumer complaint received 2023-01-18
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: EQUIFAX, INC. (VA)

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 for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2016-02-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

Since XXXX XXXX, 2014. I have tried to have several accounts that were placed in my name fraudulently removed from my Equifax Credit File. I have filed a Fraud Affidavit packet and sent it to them as well as a police report that was taken by an officer and my local police station and it is no use- they continue to report the fraud on my credit. I am growing very frustrated at this point because I feel like the only option I have is the file a law suit.
Consumer complaint received 2017-01-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion has been incorrectly reporting a state tax obligation that is based on address and not my social security number. I disputed the debt online trying to figure out why this is on my report. Contacted a third party company XXXX and they told me it was found in a public record upon doing my own research this tax lien number XXXX which is based on my address of XXXX XXXX XXXX XXXX IL. I contacted my local county recorder and they stated that indeed it is reporting from my address that my social security number is in no way tied to this debt. I than asked why they would report this to a credit bureau and they stated that in NO way do they report to credit agencies nor verify the information by phone and in fact the only way to get the report I would have to pay a fee which I declined to do. So I am not sure what method of validation they are using but it is incorrect and affecting my credit score and would like to plead to them to PLEASE remove this from my report. I am aware that due to the amount of time it has been on my report that it probably is n't hurting my score much but to start a new year would like to start establishing some credit and would like this unfair account removed. 
I am uploading the information I received regarding this tax lien
Consumer complaint received 2016-12-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (TX)

This car was a total loss XX/XX/XXXX. The pay off was {$18000.00} XXXX paid {$16000.00} XXXX paid {$580.00} XXXX paid {$520.00} XXXX paid {$510.00} XXXX paid {$260.00} Add everything paid comes up to {$18000.00} That would leave {$310.00} left to pay. I have tried to talk to customer service several times to see way my bill is {$830.00}. I would like to get this resolved and paid if you could help me understand the difference between my calculations and yours. 
I would also like to know way you waited until XX/XX/XXXX to send a letter to XXXX to cancel and get payment from them.
Consumer complaint received 2016-12-16
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I find no titles here that address my problem with XXXX and Transunion credit reporting offices. I have no idea how they determined that by me using my credit card, that it should effect my credit score by a negative XXXX when usage should have absolutely NO bearing on my score. 
Credit scoring was to be on how well we pay our debts, NOT when and how much we spend and by using what method we used for a payment method. Our spending habits are NONE of those credit reporting offices business! 
My credit score was up in the XXXX area, plus or minus XXXX or XXXX points but since I used our credit card to make a couple of purchases, I am being punished for such activity! 
I find this Highly irritating as I have a percentage factor of XXXX percent relating to On Time Payments and bill payoffs. 
What gives these credit reporting offices the legal right to punish consumers for using their Good Credit?? 
I wish to submit a formal complaint against these XXXX offices for Discrimination against such consumers as myself as they, in my opinion are violating my consumer Rights and creating an embarrassing situation for me when someone checks my credit score. 
These credit reporting offices are changing their policies on how and what they use to discredit honest, bill paying citizens and should be investigated based on their biased and discriminatory activities.
Consumer complaint received 2015-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

On XXXX/XXXX/15 my credit score went from XXXX to XXXX due to my credit report showing " a derogatory public record or collection filed. '' I have not been sent anything legally certified in the mail nor have I ever received a judgment from any court.
Consumer complaint received 2019-03-15
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I opened a Capital One XXXX XXXX account in XX/XX/XXXX because there was an offer ( code XXXX ) saying if I transfer {$50000.00} from other financial services company by XX/XX/XXXX, I can get {$500.00} bonus. After opening, I transferred $ XXXX from other banks to this account by XX/XX/XXXX. The terms said I will get the bonus within 60 days, but till today, the bonus is still not posted. 

I contacted Capital One, and the agent told me I had a savings account with them and I did not transfer the money within 10 days of opening. I went back and looked at the terms more closely, and did not see the requirement of " within 10 days '' at all. All I see was open the account between XX/XX/XXXX and XX/XX/XXXX, and deposit by XX/XX/XXXX, which I did. The agent also said I had a savings account, but I don't remember that as well. Whenever I logged into my Capital One account, I only saw a credit card account I have with them. That was the only account I opened with Capital One before this XXXX XXXX account.
Consumer complaint received 2016-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: National Credit Systems,Inc. (SC)

This issue has already been brought to the attention of Cfpb, with no outcome, even when submitting all documentation trying resolution of this debt. 
In XXXX, after losing my job due to a XXXX medical condition, I leased a XXXX-bedroom apartment through XXXX XXXX XXXX. Below is the address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX.I entered into this lease with a co-worker, XXXX XXXX ; and due to my job loss, and my first SS XXXX check not coming till XX/XX/XXXX ; I had a co-signer XXXX XXXX , a friend of mine. 
After not quite 6 weeks, XXXX, my roommate explained to me that her daughter needed a place to live. Together, we both went to speak with the Business-Department @ XXXX .They were understanding, allowing me to transfer to the only apt . vacant @ the time, as a temporary move until something became available on the first floor. With my medical condition worsening, my physicans wrote a letter to the XXXX that I was in need of a XXXX floor apt , due to my inability to continue living on the XXXX floor without elevators. This new address I moved into on XX/XX/XXXX was : XXXX XXXX XXXX XXXX . XXXX XXXX, NC XXXX. My security deposit and co-signer application was transferred to the new address. 
Upon losing my position in XX/XX/XXXX, I was faced with filing Chapter XXXX Bankruptcy, due to my debt I could n't pay. My lawyer advised me, to convert this to a Chapter XXXX, since I could not pay the debts included in my initial Chapter XXXX petition. named XXXX as a debtor in both chapters. They did not respond to the Chapter XXXX or XXXX claims, so it was the option that they did not want to follow-up with this. 
XX/XX/XXXX, I was no longer physically able to live on the XXXX floor. I was in constant contact with XXXX Business Office discussing with them my situation. Due to this apt . being kept in excellent condition, I was able to give a 30-day notice with the understanding that this would be paid for my last month 's rent. I felt supported by them and assumed that this matter was closed. My Chapter XXXX Bankruptcy was discharged on XXXX/XXXX/XXXX. XXXX never reported this to me, and initially the collection amount was placed on all XXXX credit bureaus in XXXX. This was not reported since XX/XX/XXXX.Upon my vacating this apt . I left forwarding addresses, phone numbers and my email. I was n't placed in Collections for this @ the National Credit Systems till XX/XX/XXXX. I feel that I explained the situation to XXXX upon me leaving, and parted on good terms with a XXXX balance. I again ask that this account be removed from all XXXX credit bureaus.
Consumer complaint received 2016-03-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (CA)

Dear XXXX XXXX I appreciate the letter Dated XXXX XXXX, XXXX As we have been working on lien release for almost two years Wells fargo has reconvened liens for another property not related The judgement listed in the attached title report is unrelated to mortgage listed in Wells Fargo letter received - related to another mortgage. 
The money judgement is not related to XXXX XXXX XXXX - see title report For the record - XXXX XXXX XXXX in fact did receive a check from Wells Fargo - see entire account history XX/XX/XXXX-XX/XX/XXXX, however I agree should not have. 
XXXX XXXX XXXX request for funds are not related or connected to this matter. 
Recording XXXX in Wells Fargo letter XXXX XXXX, XXXX. 

I located the court record and provided to Wells Fargo in XXXX to confirm entirety it is a Wells Fargo judgement. 

With your assistance I would like to avoid reopening bankruptcy to request to avoid lien - I have receive all other liens from listed creditors except Wells fargo. 
Wells Fargo can go to court website and review case summary - XXXX XXXX XXXX is not associated with this lawsuit. 

XXXX XXXX has Wells fargo listed as below A certified copy of a judgment or an abstract thereof, recorded XXXX XXXX, XXXX as Instrument No. XXXX of Official Records. 
Court : Case No. : Debtor : Creditor : Amount : Superior Court of California , County of XXXX XXXX XXXX XXXX XXXX Wells Fargo Bank, N.A., a National banking association, c/o XXXX XXXX XXXX, XXXX {$7500.00}, and any other amounts due thereunder
Consumer complaint received 2024-11-01
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. (TX)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2015-12-09
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Financial Credit Service, Inc. (NJ)

Complaint against ARA associates Phone numbers : XXXX ( XXXX ) XXXX Contact XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Above is the company and associated phone numbersthat harassed me about a false debt toda XXXX/XXXX/XXXX. This morning I received a call from an unknown number claiming to be a locator for legal action being pursued against me and left the last XXXX digits of my social security number on the voicemail. This same person also called my mother and my sister with the same message ( but pertaining to me and them being a witness ). I called the number back and a man named XXXX XXXX answered saying I took out a payday loan in " either XX/XX/XXXX or XX/XX/XXXX '' and the bank I borrowed from was pursuing legal action against me for check fraud. I never took out a payday loan and nor did I write checks for a lender. They claimed it was from my XXXX XXXX XXXX account that I had closed in XX/XX/XXXX. I contacted that bank immediately to verify this and they said there had been no attempt to cash checks nor was there any attempt to collect on my account. I called the number back to tell them this and he told me that they were going to pursue action against me if I did n't pay today. I was pretty sure this was a scam at this point, but still a little shaken up. I had confirmed through a number of online resources and through my own logic ( my credit is good and it 's been checked a number of times over the past several years- an outstanding loan would have been brought to my attention way before ) that this was a scam and I decided to just ignore it and report the issue later. At around XXXX today I received another call from an unknown number with the name " XXXX XXXX '' stating to be a officer of my county court and that my information was being processed and I would be served with papers at my current employer and home tomorrow. I could prevent this by voluntarily settling with the company. I immediately contacted my county court to see if this was valid. I had no hits in the system nor was anything " processing '' against me. Clearly this is a scam, and when I looked up the second number given to me there were many more hits of fraudulent debt collecting- nearly identical to what I had dealt with today. There really needs to be serious action taken against this harassment especially since this scam is intimidating and cruel.
Consumer complaint received 2016-02-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

This company has reported information on our credit report. It needs to be corrected. This is a letter sent to them. 

XXXX XXXX, 2016 XXXX/Executive Services Legal Department XXXX XXXX XXXX XXXX : Per our conversation of today, I am faxing this complaint. 
In XXXX we applied for a Modification. We have not been late with you and have continued to pay our payments through the trial period on time. We have an {$8000.00} Line of Credit. We are quite disturbed to find out the XXXX has posted a 30 day and 60 day late on our Credit Report ( see attached ). We were never notified of this practice and were not informed " if '' we proceeded with the Modification that this would happen! This is against the law and we want this removed and corrected IMMEDIATELY! 
I am attaching the copies of our payments for the last three months, Trial payments as well as a copy of our Credit Report item in this complaint. 
Please contact us immediately upon receipt of this notification. 
Sincerely,
Consumer complaint received 2016-12-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My tenant paid us the rent ( {$2400.00} ) at the counter of a branch of Bank of America on XXXX/XXXX/2016 and she withdrew {$1300.00} at the same time. Instead of withdrawing from her own account, the bank withdrew money from my account. Is it ridiculous? I texted her and she said it 's bank 's mistake. The bank will correct the mistake. However, Bank of America did not take any actions. It turned out my tenant 's husband went to another branch to deposit back {$1300.00} on XXXX/XXXX/2016. The bank never notified or apologized to us any alert for this unauthorized transaction. We found out by checking our account activities by ourselves. I went to the branch on XXXX/XXXX/2016 near my home to bring up the issue. They called that branch and the branch manager said she was busy and will do the research and get back to me. But she never responded. I am very upset that people can withdraw money from my account without my consent. In addition, BOA had very horrible attitude. They NEVER followed up on this serious mistake. It 's an unauthorized transaction.
Consumer complaint received 2016-10-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I purchased a vehicle on XXXX from a XXXX dealership called XXXX XXXX. The vehicle 's original posting stated the car was in perfect condition and was recently fully service by a OFFICIAL XXXX service dealership/shop named XXXX XXXX also in Florida. The vehicle was purchased on XXXX/XXXX/2016 and the vehicle didnt arrive at my home in XXXX until XXXX/XXXX/2016. I drove the vehicle approximately XXXX miles, ( the original odometer and current readings can prove it ) as I needed it to go on XXXX leave and the car started leaking FUEL on the freeway and I was forced to stop immediately around the XXXX area. I had the car towed to the nearest XXXX service shop near my wife 's area called XXXX XXXX XXXX in XXXX. They charged me {$160.00} just to run a diagnostics to see what was wrong, and during this process, they explained to me that the fuel intake manifold was put on too tight causing it to fall off and leak the fuel ; which was later admitted by vista XXXX that they had messed this up during the initial servicing before it was shipped to me, which apparently made XXXX XXXX give XXXX permission to dismantle the vehicle without my consent, but no repairs have been done, the vehicle is still just sitting there with the work halfway done to it because no one wants to own up and assume responsibility for the repairs to be made. I dont understand why the vehicle was even taken apart for repair if no consent was given nor proof of financial assurance for the repairs were shown or given. Also, XXXX explained to me that the vehicle has aftermarket engine parts, which was not stated in the original listing whatsoever. The vehicle is currently at the XXXX XXXX location still, which as of today ( XXXX/XXXX/2016 ) is racking up a {$50.00} a day sitting fee, until this gets resolved. I had taken out a consumer loan with usaa to pay for the vehicle PLUS another {$1000.00} for the shipping equaling a total of {$13000.00}.