davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had called them on XX/XX/XXXX when the flood of illegal charges began. It started with over {$1000.00} and {$200.00} worth of XXXX and doordash was illgeallly ordered since I saved my credit card on their site. XXXX has a saved conversation of the thief talking with the seller and doordash has the home address of the thief. I contact baked if america and told them everything onXX/XX/XXXX was not my pitches and it had over max my credit card. Please help I am desperate of help I need this card to be fix of credit fraud charges. Bank of America told me to wait 2 days for report and have yet to receive and report for a while. Please help as it looks like they think I order all of this but I definitely did not ... .I dont know what to do anymore
Consumer complaint received 2020-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Experian is not updating my credit report and score on there site. I can't go on annual credit report and order from all 3 bureaus because of Experian. The 2 tickets numbers I receive ticket code is XXXX is from XX/XX/2020. The second ticket number is when they finish there investigation is Reference number : XXXX Please use this ticket number in any correspondence with us Subject : Ticket XXXX on XX/XX/2020. The issue was not resolve. I called Experian and the customer service rep hangs up on me when they can't resolve the issue. I feel I'm being taken advantage of because they are a big company. They feel this is not a problem to fix or not important enough just to help one person. When this problem can stop me from getting a new job or new home for my family. l will file a complaint with the Attorney General and file a civil lawsuit against Experian if this issue is not resolved.
Consumer complaint received 2020-12-24
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)

On XX/XX/2020 XXXX XXXX accessed my credit report with an unauthorized inquiry. This is a result of identity theft. Currently an extended fraud alert is on my credit report as a result of misuse of my personal information recently. Federal Trade Commission Identity theft report is on file. Would like to dispute this inquiry and have it removed as a result of identity theft.
Consumer complaint received 2022-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX I didnt give Consent to these. Ive even called these places. 

Title 15 U.S.C 1681 B False activity without Written Consent Title 15 USC 1681 C-1 Without Written Consent it is considered Identity Theft Tile 15 USC 1681 C-2 Didnt Notify me of the activities and are still there
Consumer complaint received 2020-12-24
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: Global Lending Services LLC (WI)

Global lending services has agreed to remove an unauthorized inquiry from my credit report several times since the incident occurred. THIS IS A HUGE PROBLEM, they are untrustworthy and still have not gotten it removed over a year later. Ive attached a copy of their response to my XX/XX/14 CFPB complaint and a copy of my credit inquiries as evidence to their dishonesty. I have never done business with them nor did i authorize them to run a credit inquiry and this is BEYOND UNACCEPTABLE
Consumer complaint received 2020-12-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Request to delete/remove all XXXX XXXX XXXX accounts effectively and immediately with reference to both Capital One credit card debt. Current litigation in Supreme Court of the State of New York - XXXX county with my request to forever discharged, discontinue actions, and cancel XXXX XXXX.
Consumer complaint received 2020-11-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone stole my XXXX debit card when I first went on unemployment the day after I came back from my rescheduled wedding and a week after I found out my dog had terminal XXXX XXXX. 

Someone in XX/XX/XXXX named XXXX then did a mobile app transfer for my {$900.00}. 

I reported the card as stolen and was able to get the second {$900.00} payment out. 

I since then had to figure out which XXXX Bank of America line to call and wait on hold for an hour the day after I put my dog down. 

BoA then added a {$900.00} credit to my account and mailed me a new card. I couldn't transfer the {$900.00} out to my bank account. A few days later, a debit was put on my account and my credited money was gone once my new card arrived. My claim was closed without investigation. 

I since then called their transaction dispute hotline at the end of XXXX again to explain that I haven't received my {$900.00} and was told there was a system bug where any open investigation was automatically closed. He then put an escalation on my account to reinvestigate my claim and said to call back in 10 to 15 days if I did not get anything in the mail. 

Last week, I tried calling again because I have received nothing from Bank of America about investigating or reimbursing me for my stolen {$900.00}. I was told again that there was no timetable for my reimbursement and that they would put an escalation to reopen the claim. 

Meanwhile, I was supposed to have my {$900.00} in XXXX and it's going to be XXXX. There is no timetable of receiving my money and absolutely no acknowledgment that the Bank plans on reopening my claim without proper investigation. The only way to reach them through the EDD Dispute Transaction line is the phone number : XXXX XXXX XXXX XXXX and you have to wait on hold for hours to get through. There's no other way to track the status of your claim. 

I would like acknowledgment from the bank that they will investigate my claim and a timetable on reimbursement. You shouldn't have to wait months to be reimbursed for money you pay into.
Consumer complaint received 2021-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Revolut Technologies Inc. (GA)

I have an account with Revolut ( US ) backed by XXXX XXXX XXXX in XXXX XXXX, NY. 

XXXX has locked me out of my account and the funds held there because I tried to top up an XXXX XXXX account to pay a friend for a meal. 

Theyve stated this is action against there policy and will not give me access to my funds.
Consumer complaint received 2022-11-29
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U, S.C. $ 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.. 
.. 
Account name XXXXXXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/2022 Status Collection account. {$570.00} past due as of XX/XX/2022. 
Status updated XX/XX/2022 Balance {$570.00} Balance updated XX/XX/2022 Recent payment $ 0 Monthly payment {$0.00} Original balance {$570.00} Highest balance {$0.00} Terms 1 Months On record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX type Single family I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, XXXX, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : This is not reporting under XXXX XXXX guidelines By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these all mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mall. 

Sincerely,
Consumer complaint received 2021-02-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NC)

I was playing a game called XXXX XXXX on line and I won XXXX XXXX dollars but you could only cash out XXXX XXXX at a time and I havent received any of the money yet can you please check on that. The first XXXX XXXX I put in the wrong email address. The wrong email was XXXX XXXX
Consumer complaint received 2023-04-02
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: EQUIFAX, INC. (IN)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative 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 negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (WA)

Flagstar Bank didnt pay the second half of my 2020 property tax of {$1600.00} from escrow. My mortgage payment is paid timely every month and includes payments to escrow for insurance and property tax. I have not missed any payments. The escrow account has more than enough funds to pay the property tax. County auditor has charged interest. Property tax was due XX/XX/2020, and I just received a notice from the county auditor yesterday, XX/XX/2020. Flagstar has froze my account and refuses to pay tax from escrow.
Consumer complaint received 2020-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I discovered Bank of America reported my mortgage account as closed, in a derogatory status and that no payments have been made since XXXX of 2015, all of which is incorrect. Despite multiple calls to BoA and multiple promises that this would be corrected, BoA refuses to correct the information or update my credit reports.
Consumer complaint received 2020-11-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

This company is reporting false and negative items on my credit report. I tried to resolve this issue over 60 days ago and I still havent got a response nor have I gotten anything removed. I am trying to get a mortgage, how can I move on with that process if this company is failing to help resolve my issue. I attached the letters and my identification for confirmation.
Consumer complaint received 2022-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation (IL)

This is in regard to World Finance Corp account # XXXX which I have disputed previously asking for validation of debt. Not verify but validate. Under the FCRA I have the right to ask for validation which they have not provided. That is a clear violation. Also they are being reported to all 3 credit agencies XXXX, XXXX and XXXX. and the information is not matching as it should under the FCRA. They must report accurate information. 15 U.S. Code 1681s2 ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also it shows payment status as Charge off. The legal definition of charge off is, the writing off of a debt and termination of collection activity without release of personal liability. If this is true then it would not show up on my credit report with a balance. Another clear violation. I also have proof attached with different account types, and date last active. I also have the right to privacy.The Fair Credit Reporting Act ( FCRA ) is a federal law that was enacted to promote the accuracy, fairness and privacy of information in credit reporting agency files. Proof attached of the inaccuracy and fairness and how they have violated my right to privacy. If this account is charged off, it should not be on my credit report with a balance at all. Also There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Also 18 U.S.C.8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 
I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2022-09-02
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. (NY)

In 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 XXXX XXXX XXXX  : XXXX XXXX XXXX  Delaware XXXX XXXX XXXX  XXXX : XXXX XXXX  XXXX : XXXX Child Support : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2020-11-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This company is reporting false and negative items on my credit report. I tried to resolve this issue over 60 days ago and I still havent got a response nor have I gotten anything removed. I am trying to get a mortgage, how can I move on with that process if this company is failing to help resolve my issue. I attached the letters and my identification for confirmation.
Consumer complaint received 2020-11-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is my second letter about my credit report which is very serious. Please make sure it is not being ignored like my previous letter I sent on XXXX. I noticed various reports on my credit file which are very serious and due to inaccurate information about me on the credit file it is costing me a lot of money, wrong information causing me paying high interests or even getting refused if I want to finance anything. I believe my identity has been stolen and being used for fraud. 
It's really upsetting and I am a victim of mentally stress and financial stress. At least 60 days passed and they have not come back to me, if this letter continues being ignored. I will take further action and write to the XX/XX/XXXX head office to file a complaint. Moreover, if it is necessary I will take them to court to sue them.
Consumer complaint received 2023-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (GA)

Ameris bank is not applying payment for Mortgage Reinstatement plus three months of additional payments to my mortgage account # XXXX payed to them by the GA HAF program on my behalf processed XXXX They claim to have received notification that I was approved for payment but not the payment itself. I contacted the GA HAF program after seeing the payment sit in the processed status for over one month and Ameris Bank nor the GA HAF program could tell me where the payment was and why it had not been processed completely. The GA HAF underwriter XXXX XXXX finally had the accounting department check the payment and they stated Ameris has two divisions a retail and a DVI division they made a mistake and sent the payment to the retail division. I wondered how could this happen with both sides talking to each other directly and Ameris verifying my account info with GA HAF via a XXXX How could this go on over a month and not get corrected? As a result Ameris continued to report negatively on my credit report even though they knew about this payment. They also engaged in negative reporting while I was in Covid forbearance and also reported negatively while I was in loss mitigation with an agreement not to report negatively on my credit. As a result of all this negative reporting some of my credit accounts has been closed and some reduced in credit. The GA HAF program underwriter said the funds had to be sent back to them and resent to Ameris. The Ga HAF program resubmitted the funds on XXXX back to Ameris DMI the correct division. To date Ameris has not updated my account to show this payment reinstating my mortgage account with the next due date of XX/XX/XXXX reflecting the three advanced payments. I have reached out to XXXX XXXX for assistance to see if they can with their mortgage servicer but Ameris continues work against me. Negative credit reporting when they should not due to forbearance or loss mitigation, Late response to mortgage assistance application, and not applying GA HAF mortgage assistance payments.