davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My ex-husband XXXX XXXX, had a joint bank account with Bank of America. I tried to remove my ex husband from this account after the divorce in XX/XX/XXXX but Bank of America would not allow me to remove him. XXXX XXXX is XXXX permanently due to a XXXX XXXX in XXXX. He can not lift his arms up over his head and has doctor documentation to support this and legally has no money or assets. 

I continued to use my Bank account because I was told by Bank of America employee that the only problem I would have is that XXXX could take money out of the account if I used it. That is fine and was a personal concern, not a bank concern so I did not attempt to legally force him to be removed from the account. 

Sometime in XXXX time frame XXXX XXXX defaulted a credit card with BOA for {$8200.00} and they have gained a wage garnishment against him. This debt is not my responsibility, but BOA has seized my funds and money from my job and employments in the account. BOA is beyond the time frame of collecting for a charged off account. I personally have not seen any attempt to even collect this debt. This is the XXXX I am hearing of it when my bank account was emptied. If the bank had contacted XXXX I am sure he would have made some attempt to even fix this before they just froze my account.
Consumer complaint received 2021-11-28
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXT XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  ( Original Creditor XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-01
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. (PA)

I, XXXX XXXX, am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2023-04-28
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. (CA)

I have been trying to deal with an account from a company called XXXX XXXX XXXX card for over a year now. I have sent them multiple dispute letters AND phone calls stating that I had never opened an account with them and they are reporting a fraudulent account on my credit report. Now the account itself is not hurting me as it seems to be paid HOWEVER this account was never opened by me. I have spoken to someone from XXXX XXXX card and the person I spoke to in fraud department assured me that the account was closed and would not reflect on my credit report and here we are a year later with it showing as an open account and NOT REMOVED. I actually have a voice recording of this person at XXXX XXXX XXXX STATING THIS VERBATIM. I am beyond livid at this point. I have sent the 3 credit bureaus ( XXXX, XXXX and Experian ) multiple disputes and they still are not help. I am working with an attorney now that is costing me thousands of dollars putting a class action lawsuit together but at this point I am running low on funds when this could all be resolved by just doing the right thing... NOT REPORTING A FRAUD ACCOUNT WHICH I NEVER OPENED. This is going to be the death of me. I have sent XXXX XXXX letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again this last XX/XX/XXXX. Still no one can help me.
Consumer complaint received 2021-11-28
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: JPMORGAN CHASE & CO. (CA)

I had XXXX XXXX close my account back in XXXX of XXXX and issued me XXXX cashiers checks XXXX for {$46000.00} and another one for {$5000.00}. XXXX XXXXXXXX claimed the checks have been mailed out and they would need to be signed for. XXXX weeks go by and not one check has been sent. No postal service people came to my home to have me sign anything. I have cameras to prove that as well. After informing XXXX XXXX they told me the checks are still in XXXX and haven't been mailed. I was told they were supposed to be overnighted and they weren't and on top of that they couldn't just stop the check and issue me the funds. After a week they declared it lost and the branch manager XXXX told me I can get my checks reissued and he would call me back to tell me when I can come in. After an hour all of sudden he tells me the checks were cashed but couldn't tell me where and who cashed it. All he said was there was a signature on the back that looked nothing like mine. Now he tells me I need to work with XXXX XXXX XXXXXXXX Fraud Department after XXXX  months working with them and many affidavits later. They found it cashed at a chase bank but had no Information on who cashed them. Then XXXX XXXX then issued XXXX letters to get a response from Chase ; they sent letters on XXXX. After finally getting a response from Chase we came to find out someone fraudulently opened a chase account using my name and information. I had all my accounts closed with Chase back in XXXX of XXXX and was told the banking relationship was over and can never open an account again. So Im wondering how the XXXX can someone can possibly use my personal information on a fake license to open an account. I been cooperating with XXXX XXXX  the whole time and they wont take responsibility for the lost checks. Chase knows I cant open an account so how and why would they let
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$51.00} CAP XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX {$0.00}
Consumer complaint received 2022-08-01
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. (PR)

I HAVE THIS SITUATION, XXXX XXXX XXXX IS REPORTING INCOMPLETE AND INACCURATE INFORMATION ON MY CREDIT REPORT. I SEND TO MANY LETTER TO THE CREDIT BUREAUS WITH NO REPONSE OF THIS ISSUE, THEY KEEP SAYING THAT THIS ACCOUNTS ARE VERIFIED AND THEY UPDATE THE INFORMATION, BUT IM STILL LOOSING INFORMATION ON MY CREDIT REPORT, FROM THIS COMPANYS, AND TODAY I RECEIVE A LLETER FROM THOSE TWO COMPANY SAYING THAT I DONT INDICATE WHAT SPECIFIC INFORMATION IM DISPUTING OR REQUESTING TO VERIFY, AND I SEND THE LETTER CERTIFIED WITH THE SPECIFIC ISSUES THAT THIS ACCOUNT IS REPORTING ON MY CREDIT REPORT. ACCORDING TO THE FCRA THEY NEED TO GIVE THE COSNUMERS AGENCYS THE CORRECT AND EXACT INFORMATION ON MY CREDIT REPORT, The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 

ATTACHED I SEND THE DOCUMENTS THAT I SEND TO CREDIT BUREAUS, THE CERTIFIED LETTER PROOF AND THE LETTER THAT XXXX XXXX XXXX SEND ME FOR THOSE XXXX ACCOUNTS THAT IM DISPUTING. 

I KNOW THAT I NEED TO WAIT THE 30 DAYS FOR A RESPONSE, BUT I ALREADY RECIVE RESPONSE FROM XXXX XXXX, THATS WHY IM SENDING THIS DISPUTE THROUGH THIS COMPANY.

ATTACHED ALL THE LETTERS WITH THE DIFFERENTS DISPUTES AND THE SCREENSHOOT OF THE MOST RECENT REPORT
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

XX/XX/XXXX USAA Bank called my residence as a debt collector. They advised that I was overdrawn on a Savings in amount of {$10000.00} & in Default on line of credit in amt of XXXX. This is Identity Theft. 
I told them I never opened any accounts with USAA Bank ever! 
They sent it to XXXX & XXXX. XXXX is to get back to me by Fri XX/XX/XXXX. These accounts were established XX/XX/XXXX but I'm just being notified of it on XX/XX/XXXX almost 25 months later! 
I've secured an Identity Theft Service & notified the FTC. But I want them to Stop harrassing me for funds that i know nothing about. Please issue this complaint & filel it. The AVP of USAA sent a letter to me received today. Its salutation refers to a XXXX XXXX. XXXX.!! So this tells me that the perpetrator is a Military or a Veteran. I have never been in the Military. I'm XXXX yrs old retired on a fixed income. This is Fraud. Its very annoying as well. Please help.
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc. (NY)

Avant credit card opened in XX/XX/2019. Never once had a Late payment! as I went to pay my monthly bill, I noticed TWO unauthorized charges from a XXXX seller account! I do NOT have any XXXX seller accounts with XXXX and do NOT use this card to buy XXXX purchases. I have in the past, but it was MONTHS ago! I do NOT have this card on my XXXX account. My XXXX was hacked into by a scammer, and now I have had to replace 2 credit cards my XXXX  and this Avant card due to these unauthorized charges from this XXXX seller stuff. I reported to Avant 3 days ago that these were NOT my charges and I have been a victim of identity theft. Even a scammer pretending to be my bank calling and texting me wanting my user ID for my bank account! I explained this to Avant and they proceeded to close the card and reissue a new card, but the balance still remains over the limit because of this FRAUD! theres TWO XXXX seller {$39.00} and a {$59.00} that need to be removed asap! And this has dramatically DROPPED my XXXX  score! Because Avant wants to report a fraudulent balance! How rude of them to do this to a long time customer, especially a customer that has made 100 % payments! I do not recommend this company after what they have done to me.
Consumer complaint received 2022-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

I have Mortgage account XXXX with the fifth third bank and an escrow account with the bank. After I received the first invoice of the property tax after appraisal, on XXXX XX/XX/XXXX, I chatted with their online representative and I was told to send all documents to the bank 's e-mail address " XXXX ''. I did exactly what the representative said and you can find the chat logs in the attached log file of XXXX ' and the screenshot of the e-mail in the attached png file XXXX  '. Then, on XXXX XX/XX/XXXX, I also received more invoices that they must have been paid by the mortgage 's escrow account. Then, I opened another chat, and again, I tried to communicate with their chat representatives. You can see 2 chat log files ( XXXX and XXXX ) with two of your representatives, then I sent the documents to their e-mail again. Please check XXXX ' in the attachments. However, in the last days of XX/XX/XXXX, I received another invoice from the tax collector, XXXX tax, with a penalty and interest over the first value. As you can see, I followed all their instructions and I sent the document to the correct departments long before the due dates. The bank made me pay the penalty and interest although it was their mistake. I just called them today and they said it is my mistake I have no idea how. I have all the log documents and e-mails. Recently, they also missed the due date of my house insurance which must be paid by my escrow account. If something happened during that time at my house, I would have so much trouble. I am willing to share all the documents with you. I hope you can find a solution. Best regards,
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Hi! My name is XXXX XXXX, Ive just learned that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.
Consumer complaint received 2021-11-28
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: Bread Financial Holdings, Inc. (NJ)

On the evening of XXXX XX/XX/2021 I tried to make a purchase from XXXX, a computer hardware parts company. The item was a NAS ( network attached storage ). After going thru a lengthy selection process, which compared : capabilities ; availability and price a item was selected and placed in the XXXX website cart, credit card and shipping information was entered and the deal was done, or so I thought. Checking my email, I saw a note from XXXX that my credit card was declined, and suggested I enter a different card, which I did. It was not clear if the second card was also declined, or if the information from the first card was persistent. I contacted the second card issuer first, XXXX XXXX, since I was sure there was no chance on being near the credit limit and was told ( from their fraud division ) that for my protection the charge was declined since I hadnt ordered from that company in the past. I then contacted the first card issuer, comenity bank and was first told that the purchase was approved by comenity bank, but rejected by XXXX, and that the decision was between XXXX and XXXX. XXXX gave me a number to XXXX, instead of connecting me to XXXX it transferred me back to XXXX bank who now ckaimed they actually declined the purchase based on their hunch. I was not able to make the purchase, and the effort to research the best product was lost.
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2021-11-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation (AL)

Due to the XXXX XXXX, I have been sick a few times and miss work because of it. I have fallen a month behind on my loan and told the company that I will always be a month behind and I'm still making payments. I don't have the extra to catch up the outstanding balance to bring it current. I told them that and they won't defer my miss payment and will call me to get it brought up current. I'm tired explaining to them that I don't have the extra funds to bring it current and want to recognize cease and desist.
Consumer complaint received 2023-08-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: ALLY FINANCIAL INC. (FL)

I let this firm know that I was filing for XXXX XXXX then upon completing the Bankruptcy review with Attorney XXXX XXXX, I made one more attempt to work with creditors following my injury, especially given this is my first hardship after 22 years of perfect payment history.

Ally rep assured me to make 2 payments then I could start a modification. Upon calling them back they explained they essentially lied and would not honor that and began harassing me to make additional payment. Clearly this was fully dishonest, manipulative and fraudulent. I then filed a complaint with the CFPB of which I received notice that the merchant responded. 

Unfortunately, then I just received another full demand and repossession notice. I fully expect the modification to be honored. 

I sent them the complaint on XX/XX/2023. They did not respond at all. I then followed up XXXX complaining of this total lack of response and the hardship not using my car is putting on me while they continue to collect, lie and not respond. They responded the same day with the following : We have received your feedback about the account. Due to the nature of this request, we need to speak with you by phone. We will call you at ( XXXX ) XXXX within 48 hours.

There has been no outreach to me to begin the hardship modification. I can't believe this company allows this to remain unresolved and now I fear I'm going to be forced into bankruptcy by this one creditor when all of the others work with you so well. 

Note : Contact me at my new phone number of XXXX
Consumer complaint received 2021-11-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (MA)

I just pulled my credit report and noticed that my student loan is listed twice making my debt to income ratio higher then it is suppose to be. Account was sold to a different lender. My student loan is currently with XXXX. 

XX/XX/XXXX, XXXXDept of ED/AIDVANTAGE : {$36000.00} XX/XX/XXXX, XXXXDept of ED : {$36000.00}
Consumer complaint received 2022-06-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION (LA)

I got a XXXX XXXX XXXX in the year of XXXX. After getting the vehicle it started having engine issues. The engine went out 6 times and attempted to have repairs. They declared it a XXXX however I was going back and forth with the dealer and the auto loan lender. They were saying each other was responsible for the buying the loan back and the issue was never fixed. My mother whom we purchased the car for passed away and there was no reason to keep paying the loan on a car that she has never been able XXXX XXXX and that kept having issues where the motor had to be replaced twice. I never received a new car nor was the car bought back as promised by XXXX XXXX. Anytime we got close to a resolution the account was transferred to a new manager. Eventually we gave the car back as it was submitted as a voluntary surrender. I was given a pay off by XXXX XXXX where I paid for 5 months at $ 300 monthly. I am now being told that that was not the balance that I agreed upon with previous months. Now the account was illegally sold to XXXX XXXX who have failed to provide my any documentation of proof of balance. My insurance company and XXXXl XXXX paid for a rental for a XXXX of 5 months during one repair because they could not repair it or find a motor at the time of XX/XX/XXXX where they admitted fault and asked me to go back to dealer and they would accept a buy back and would finance a new vehicle.