davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I'm not exactly sure where to start but I've been an account holder with Bank of America ( BOA ) for 22 years and the last seven have been extremely concerning. For the past two years I haven't been able to access my account until recently in late XX/XX/2022 when I had to acquire a cashiers check for $ XXXX. At the start of this particular transaction the teller at BOA serving me encountered the same issue I've been facing and could not locate my account. After multiple attempts and ID verification, the teller requested my SSN in a final attempt to find my account and she found it. I can not begin to express how embarrassing this particular experience was for both of us.

I will briefly summarize a few other disturbing problems I've recently experienced with BOA. During the high school graduation season I routinely give cash gifts to graduates of family and friends by sending a check from my BOA account. I started to notice that the graduates would receive and cash their checks but the funds would never be withdrawn from my account. At the time of this CFPB complaint I'm still waiting on checks to hit my account. Another very concerning recent occurrence took place when I deposited a check into my savings account from another financial institution and BOA placed a hold on the funds for ten business days or 14 calendar days. This was totally unacceptable when you take into account that all my monthly income flowed through BOA at that time. Immediately after this infraction I changed all my electronic deposits from BOA to other financial institutions that I had accounts. It didn't stop there because just a couple of weeks after I ended the monthly income EFTs from BOA, they begin charging my account $ XXXX service fees for accounts my income flowed through for decades with balances exceeding $ XXXX routinely. I have more similar problems I can provide but these were the serious occurences that directly violated federal regulations.
Consumer complaint received 2022-09-11
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)

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 2020-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I have constantly contacted Equifax with concerns regarding accounts : XXXX XXXX XXXX  {$530.00} XXXX XXXX XXXX  {$1600.00} XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$200.00} XXXX with Consumer Affairs Office advised I would need to contact the police department and FTC regarding identity theft. They refuse to investigate as they should. They send the same generic dispute results and it is disgusting at this point. XXXX also confirmed my report can be accessed without my authorization causing unauthorized inquiries and there's nothing I can do about it besides report it to FTC and make a police report. 

XXXX advised they have an electronic system and communicate with the agencies and if matches their records it is verified. They are unable to submit to me the results of their investigation besides the generic language. 

To zoom in on an issue, XXXX XXXX XXXX have sent me a bill and have yet to show this is my debt. XXXX the original creditor, has first used XXXX XXXX, then XXXX  XXXX  now XXXX XXXX XXXX.
Consumer complaint received 2023-06-09
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. (VA)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LOBEL FINANCIAL CORPORATION (TX)

I have written XXXX a letter informing them the information for Lobel Financial thats being reported on my credit report is inaccurate. XXXX did not attempt to resolve the issue. I also reached out to the company verifying the account is closed.
Consumer complaint received 2021-08-12
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/XXXX, in the process of applying for a mortgage refinance with XXXX XXXX XXXX XXXX, the mortgage processor asked Suntrust for a document called a " Subordination Letter. '' As of today, XX/XX/XXXX, Suntrust has not complied. 

Mortgage processor from XXXX XXXX calls Suntrust weekly to find out the status of the document and is told " we are working on it. '' I went to local Suntrust branch where I do my banking ( since XXXX  ) to ask them to find out what was happening. I was told this is just " how we do business. '' This delay hurts me enormously. And I might add, when I applied for a Home Equity Line of credit last year, it took over 5 months to close. My credit score is well over 800.

When I complained to Suntrust, I received a call from a lady at their corporate offices who admitted the HELOC should only have taken 30 days to close.

This is so wrong. I am a longtime customer of Suntrust but this doesn't seem to matter.
Consumer complaint received 2020-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MI)

This debt is reporting twice on my credit report. Please see attachments. I paid the current owner of the debt, XXXX, however IC System is reporting it as well. It's my understanding that two collection agencies can not report the same debt.
Consumer complaint received 2020-11-20
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. (FL)

I submitted letters to al three Credit Bureas requesting that the initial alert, security alerts, and fraud alerts be removed from my credit report as they are causing me not to get pre-approved for credit products that I have interest in.
Consumer complaint received 2023-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

Capital One Bank STOLE {$990.00} and refuses to return it. Money was " sent '' but not " Delivered '' to XXXX the intended recipient. Capital One Says they have a confirmation the money was sent but the recipient does not have the money and CO refuses to find where the money is located in the banking cyber space process. I feel discriminated against and taken advantage of. Does CFPB have attorneys who specialize in cases against banks who operate in disingenuous and suspected fraudulent activity that we could call?
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-11-21
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: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

On XX/XX/2020 Portfolio Collection Agency added two ( 2 ) deragatory marks on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection and there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, ( Portfolio ) has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Consumer complaint received 2022-09-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SUNRISE CREDIT SERVICES, INC (VA)

I am involved in an relationship with a man who worked on the XXXX XXXX in XXXX XXXX North Carolina, he helped me to secure an job there as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since being introduced to him, the Private organization special operations team on XXXX XXXX, they have send my personal profile to Washington DC headquarters and told me to buy XXXX through local crypto currency machine in my local neighborhood. I had agreed to work with them in sending phones to the XXXX XXXX in XXXX XXXX North Carolina and they agreed to cover the cost of insurance and any charges on the XXXX XXXX XXXX account. This is been not rectified, since XX/XX/2021, I have several emails from this private agency in correspondence to this incident and when I reported them to the FTC the first time. They blocked their email address and nobody from the XXXX XXXX installation in XXXX XXXX has called me to rectify or clear this huge debt collection the current amount in debt collection is {$6800.00}. I was told that there is an XXXX in my name which I haven't yet been able to receive either. I paid for this vehicle to get registered in my name, this amount of XXXX payments was {$1000.00}. I believe the person behind this is false impersonating Federal government agency, using the FBI as they're way of getting through to me!
Consumer complaint received 2020-11-20
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. (OH)

I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section 609 [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. 
Accounts : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank Dispute Department TD Credit Cards XXXX XXXX XXXX XXXX. Ga XXXX We noticed that a merchant was charging our credit card XXXX, for services we did not use. In fact, we did not even know who they were. So TD open a case number XXXX in XX/XX/2022, and told us they would resolve our dispute. TD also said, they would close our a/c, as is the standard procedure. 

XXXX. TD did not close the a/c. .It took 4 calls to finally have them close the a/c in XX/XX/2022. The merchant kept charging the a/c all that time. 

2. When I called to find out the status of my claim, I was told that I could not speak to the dept., and it was unresolved. I made calls every month. 

The last call I made, the clerk said there was no case for this at all. 

We have stopped doing business with the months ago, and they keep sending us a bill which has the uber charges in it, The XXXX charges amount to {$800.00}. or more. 

I don't know what to do to get this reconciled. 

Sincerely yours, XXXX XXXX
Consumer complaint received 2020-11-20
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. (MS)

On XX/XX/2020, I mailed a letter about inaccurate accounts that were shown on my credit report and asked for an investigation. It has been 2 months and I still haven't received a response.
Consumer complaint received 2020-11-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (FL)

Today is XX/XX/XXXX. I had a Chase credit card years ago and paid it off in XX/XX/XXXX through another agency. I have all my paperwork to prove it. Six years later I am getting a notice saying I owe {$4300.00} but I can settle for {$2100.00}. When i call this suspicious company called XXXX, they put me on hold and then hang up. Cant reach an actual person. Seems like a scam to me. XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX, XXXX , WA XXXX. XXXX.
Consumer complaint received 2022-11-06
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. (OH)

I received a statement of account for XX/XX/2022 from XXXX XXXX XXXX 
I dispute this debt and all claims contract according to 15 USC1692g. Also the account has been closed. I rebuttal XXXXXXXX XXXX account because I do not owe this credit card statement and this is not true bill of commerce. Also XXXX XXXX has double dipped for least 3 years. Therefore I am requesting a Rescission under 15 USC 1635b : Return of money or property following rescission. Under the Truth of Lending Act, it is against the law to denial me of my own credit, charge interest on my credit and close my account. Thank You
Consumer complaint received 2022-07-30
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. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I discovered on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report. I'm done with it. AND Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report # XXXX XXXX and XXXX. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX  OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Balance - XXXX XXXXXXXX Balance XXXX XXXX XXXX Balance {$2100.00} XXXX XXXXXXXX Balance - XXXXXXXX XXXX XXXXXXXX Balance {$220.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$160.00} XXXX ACCOUNTS ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$760.00} XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$500.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$150.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$150.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX XXXX Balance {$150.00} XXXX  XXXX Balance {$750.00} XXXX  XXXX Balance {$160.00} XXXX XXXXXXXX Balance {$190.00} XXXX XXXX XXXX Inquired on XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NV)

While I was checking my credit reports I found that the collection firm Caine and Weiner has a collection filed against me for a debt that is not mine. I've contacted the original debt holder XXXX and they confirmed that the debt was indeed inaccurate. XXXX informed me to contact Caine and Weiner since the account was transferred to them. 

I have contacted Caine and Weiner but they have refused to delete this inaccurate account from each credit bureau. Prior to me contacting Caine and Weiner, I never received any type of dunning letter or statement claiming that this debt was mine. I was never given a 30 days notice to contact the original account holder Caine and Weiner, nor have I received any phone calls. 

This account that was transferred to Caine and Weiner shows account history from XXXX XXXX, NV. I've never lived in XXXX XXXX, NV nor have I ever owned any of the vehicles that were listed on the account. 

Caine and Weiner has requested that I contact them directly but at this time I will not be providing Caine and Weiner any further information since they have mishandled someone else 's information that is similar to mine.
Consumer complaint received 2021-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (MA)

I have a {$900.00} credit limit. 

My current balance is {$330.00} However my available limit is - {$210.00} I have no extraneous charges. 

I have called the customer service line on the back of the card and they said that they may hold my payments for up to 10 days or more but it does not say that in the agreement. 

I would like to know why I have no credit available?
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I was contacted that my credit score had decreased so I called and found out that a hard pull had been done on XX/XX/2020 they said it was XXXX XXXX  XXXX XXXX  via Equifax mortgage services which does not exist I called XXXX XXXX  XXXX XXXX  and I called the number that I was given by Equifax that was on my credit report for the company that did the hard pull on my credit this Equifax mortgage services but it found out that was not a correct number the phone number I was given for Equifax mortgage services was XXXX
Consumer complaint received 2022-07-30
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. (LA)

I have reached out to ALL 3 credit bureaus- TransUnion XXXX XXXX XXXX XXXX several times to have this account with- ( XXXX  XXXX name reported on my credit report ). The first time was for them to verify this account- ( XXXX ) and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.
Consumer complaint received 2022-07-30
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. (IL)

On XX/XX/XXXX, I noted that my Experian FICO history & scores had been drastically altered from my documentation of the previous 7 months, & that there was a XXXX XXXX  plummet with no causation. I have documented evidence of a XXXX FICO history of XX/XX/XXXX XXXX of XXXX & excellent credit consistently reported. On XX/XX/XXXX pm, I checked the Experian account & noted that FICO scores & historical graph had all been changed to the low 700 good range. This contradicts previous information that was reported by the 3 bureaus, XXXX XXXX, & XXXX for many months. I reviewed the reports of all 3 bureaus & there has been NO changes, no late payments, and no evidence that can be disputed as fraud on the accounts. I tried to speak with Experian as well as XXXX twice, and was told there was nothing to do with the drastically changed history. They pointed out late payments from XXXX as the causative factor, & I tried to ascertain why the FICO would change drastically 6 years later. How was an entire history ( not just the current FICO ) altered? How was a FICO score dramatically reduced with no negative entries for years? I am seeking guidance on how to get the bureaus to investigate these discrepant alterations as then credit bureaus are totally disregarding these unexplained aberrancies.