davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (FL)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities. 

Former : 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 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 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 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 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 2024-10-16
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: Self Financial Inc. (VA)

The following Late Payments, and Closed Accounts caused Public damaging actions on " OUR '' Consumer account as the " INDIVIDUAL '' communicating giving notice right now ; my rights has been fully misrepresented and deceptive. There needs not to be any late payments on " OUR '' consumer credit profile for any reasons ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I REQUEST FULL GENUINE PROOF OF EACH LATE PAYMENT FURNISHED ON " OUR '' CREDIT PROFILE BEING DELIVERED TO " US '' NO LATER THAN 21 DAYS BEFORE INVADING " OUR '' PRIVACY WITHOUT THE PROPER CONSENT AUTHORIZED BY I THE INDIVIDUAL AS AGENT ON BEHALF OF THE CONSUMER ACCOUNT
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

After the recession in 2008, I decided to do a loan-modification on my home because the value of my home went from approximately {$400000.00} to {$200000.00} and my home was " underwater ''. After agreeing with the new amount that I had to pay, ( which I paid in a timely fashion ) XXXX XXXX reported the new payments to the credit bureau as late, which negatively impacted my credit scores. 

I was unaware that this occurred until I went to purchase a new home. At that time, I was informed that I would not be able to purchase another house, among other things, until the latenesses are removed from my credit. 

XXXX XXXX did an injustice to me by reporting my agreed payments as late.
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (WA)

I have submitted multiple requests ( written and online ) in the last 90+ days to LexisNexis/XXXX XXXX to freeze my consumer report and have received no response. My most recent attempt was XX/XX/21 via LexisNexis online portal. I have received no response or confirmation of my request. The headers of the attached documents show the date the most recent request was submitted and the date the site acknowledged my request. I have also attached the same documents provided in my previous written request to avoid LexisNexis using delay tactics like " we don't have the information required '' to avoid placing the freeze as requested. Finally, I have included the XXXX tracking numbers and certified mail receipt for the mailed request from 90+ days ago that LexisNexis completely ignored and did not return the return receipt.
Consumer complaint received 2022-06-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

This complaint is formally made against Bank of America ( " B of A '' ). They have committed XXXX violations, made promises they were not kept, and have not followed the Loss Mitigation waterfalls as mandated by the CFPB. Here are the facts. I previously filed a CFPB complaint and I am filing this complaint because I fear that B of A is trying to take my home away. B of A offered a balloon loan at the end of my forbearance in XX/XX/2021. I did not want a balloon loan and then they offered a 40 year flex loan. I also did not want that 40 year modification and they informed me that if I filled out an application then I will have other options available to me. I completed the application after several months of back and forth with B of A. They then offered me the same 40 year flex mod again and no other choices. Why did they make me complete a full application if it will only result in the same option? All I want what was originally offered to me back in XXXX which is to add the forbearance payments to the end of the loan without extending the maturity date. I have been making my monthly mortgage payments on time and I do not want to lose my home. I called today and spoke to XXXX and she told me that there are no other options. I then asked to speak to the manager where I was then informed my application was pending. I do not trust B of A. Please help me save my home.
Consumer complaint received 2023-03-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

Cashapp continually and unnecessarily hold your money after the company has released the back usually with hotels or rental cars. When they have a hold for extra in case you damage the room or the vehicle am I sent proof that all the money has been released any transactions been completed Im going on the 15 day that theyre still holding a transaction is pending a CONTACT XXXX XXXX XXXX times. They said they released that on the XXXX. I do believe the cash app is doing this if they can make money on our money like extra interest but that money sitting in their accounts instead of return it to the customer like they should and then when you try to contact them, they purposely tell you they will not speak to you that theyve had. They said all they had to say to you and they just like shut you off they will not return phone calls you can not reach anybody by phone. You just get some weird one person message like its in some guys house. This is ridiculous and this needs to be governed more because they are taking advantage of people I have proof from the hotel that money was released on the XXXX now I used another card with that hotel for so I travel out for work and my money goes back on the next day with cash app. They take 14 days to give it back sometimes longer and then they shut you down and they wont answer your questions anymore or even call you because you cant get through on your phone and theyll just ignore you like what are you gon na do theres some virtual company and I think theres some doubt overseas so they dont even understand what youre saying half the Time somebody needs to look into this Im taking this to the news there was three charges made for one stay by the night auditor that was new and one was completed for that night and one I was able to get cash out the release and this one theyre still holding since the XXXX youll see the documentation down below it was only holes and they were released so they shouldnt be still pending and they telling me to dispute it so they can hold my money for another 45 days
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX  anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have made attempts to unfreeze my credit report several times. I have reset my log in, sent in proof of identity, and called technical support But I have not been able to access my credit report, credit score, or the ability to unfreeze it.
Consumer complaint received 2022-12-31
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX Balance XXXX ; XXXX XXXX XXXXXXXX XXXX Balance XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXXXXXX XXXX XXXX & XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX : XXXX XXXX, XXXX  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-06-06
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights in the amount of {$970.00}.

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

15 U.S.C 1681 section 602 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2024-08-23
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: Experian Information Solutions Inc. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX Balance : {$290.00} XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX  XXXX XXXX Balance : {$120.00} XXXX XXXXXXXX XXXX Balance : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$250.00}
Consumer complaint received 2022-07-12
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. (PA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021
Consumer complaint received 2022-10-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Credit Acceptance has violated my federally protected rights under the FDCPA. They sent another 3rd party debt collector to repossess my car even though the application at the dealership was a completely binding contract that Credit Acceptance wasnt included in. Credit Acceptance agents/employees used deceptive means to say I owed an alleged debt violating 15 U.S.C 1692e specifically. They are also using my consumer report with Extortionate means violating 18 U.S.C. 894 to coerce and swindle me into paying an alleged debt on an extension of credit and assume criminally liable and be fined up to 20 years in jail.

Credit Acceptance violated the false claims Act by stating I owe them when my SSN belongs to the SSA ( Social Security Administration ) which is a Obligation of the United States. You are now on Notice to Cease and desist Communications from me from all mediums INCLUDING my consumer report. Failure to Comply will result in Legal Matters For Damages.
Consumer complaint received 2022-06-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION (GA)

Hello, I am contacting you regarding a dispute I have with my bank ( Truist, previously SunTrust ). 

Indeed, I made an international wire transfer of XXXX USD ( XXXX EUR ) on XX/XX/2022, from my American Truist bank account to my XXXX XXXX  account ( XXXX XXXX ) ( Reference Number : XXXX, attached document # XXXX ) and the money should have arrived on XX/XX/2022. However, the wire never reached my XXXX XXXX account ( bank statement from XXXX to XXXX attached, document # XXXX to XXXX ). 

I have contacted Truist several times since I made my first request ( 4 in total ) on XX/XX/XXXX, and they have initiated a request to track and recall the wire to my Truist account. I also noticed a mistake on my XXXX address ( zip code ), that I asked to be corrected ( XX/XX/2022 ), I was assured it had been automatically corrected by the software but according to the XXXX XXXX document ( attached document # XXXX ) I received today ( XX/XX/2022 ) it was not. I dont know if its related to this issue but its an uncorrected mistake on their end. That being said, my transfer needed to get through two intermediary banks in order to reach my XXXX account and according to Truist my money should be in one of these 2 banks.

They seemed to have been trying to contact those 2 banks to get my funds returned, but the intermediary banks have not been responding so Truist said they couldn't do anything. When I asked them to initiate the wire, I was told that if there was any issue, they will be able to recall the wire in order get my money back, and they are clearly unable to do so. In addition, they told me to contact the intermediary banks myself even if Im not a customer of these banks and dont have access to the information regarding the wire transfer initiated by Truist . In any case, if the intermediary banks didnt answer to Truist , why should they answer to me? However, I contacted my bank in XXXX several times : they never heard about this wire and requested the XXXX document identifying the transaction. Unfortunately, Truist was not able to provide me with this number which should be emitted by one of the intermediary banks. 

After several requests, Ive just received a mail from the bank stating my case was closed as the wire was sent as per my instructions ( attached document # XXXX ). I went to the bank today and had been told that Truist will not do anything else to help me recover nor refund my money. 

From my point of view, I gave Truist all the information needed to do this wire and Im not responsible for the transit of the wire through the intermediary banks, which is the decision of Truist. I entrusted my money to Truist and they promised me that my funds would safely arrive on my XXXX XXXX account in a maximum of 3 weeks. It's been almost 4 months and this promise has not been kept. As they are not able to get my money back, I want a refund. 

Respectfully,
Consumer complaint received 2022-10-20
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 — Their investigation did not fix an error on your report
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VA)

Community Loan Servicing formerly Bayview, will not answer any of my phone calls or emails to resolve an ongoing issue with my mortgage they once serviced. Now that they have sold the mortgage, they refuse to communicate with me at all. The company has stated that I missed one payment that put my loan on a rolling 30 day delinquency. They then reported XXXX late payments to the credit bureaus and are ruining my credit. I have contacted the company, provided the cancelled check theyre stating they never received as well as provided proof of insurance they stated I did not have. The company erroneously added hazard insurance to my mortgage when my agent had faxed them my policy on numerous occasions. I have attached the cancelled check, proof of insurance and a screenshot of my credit report. I would appreciate any and all help available as this company will NEVER respond to their clients or fix their mistakes!!!
Consumer complaint received 2022-10-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

on XX/XX/XXXX I sent a XXXX payment to the incorrect recipient. I called the recipient '' XXXX '' the next day when I realized, and contacted XXXX. she sent me the confirmation letter from her bank that she had filed a claim as well. 
I contacted Wells Fargo on the XXXX and was told they would file a claim. It would take up to XXXX business days to get a response. I contacted Wells Fargo on the XXXX and they told me my claim had been closed because they had found that their was no fault on their end and they would not be issuing a provisional credit. 
I then pushed them to explain to me what the next steps should be, in order to get my {$1600.00} returned. They said they filed a request from the recipients bank on XX/XX/22 and should get an answer by the XX/XX/22. 
I called XXXX. again on XX/XX/22. they told me again that my claim was closed and that they could not say when the recipient 's bank would be required to contact them or guarantee that I would get my money back. I transferred 3 times each time to someone who could not answer my questions. The 3rd time I had to hang up because the hold was too long. 
At that point I contacted XXXX and was informed XXXX was its own entiity and I should contact them. In turn XXXX told me I should contact Wells Fargo because they were the only ones who could file a claim to get funds back. Not the Recipient. 
So Wells Fargo spent 15 days wasting time instead of getting this issue resolved.
Consumer complaint received 2022-10-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (AR)

There continues to be a violation of the FDCPA against myself with NCB Management Service who has apparently sold a fraud-related debt to XXXX XXXX whom has sent notification dated XXXX listing NCB Managment Service as the current creditor which is false or misleading representations section 807. NCB Management Service has never served or provided any credit to me, nor have I ever applied or requested any credit from NCB Management Service. NCB Managment Service Continues to report this fraud-related debt to my credit file knowingly this debt has been sold which violates both the FCRA and FDCPA.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (GA)

I RECENTLY REQUESTED THE ITEM /ITEMS LISTED TO BE DISPUTED AS A FORM OF VIOLATING MY CONSUMER RIGHTS 15 USC-1681 & 15 U.S.C 1681 SECTION 602 a. I REQUESTED THE APPLICATION AS PROOF OF OWNERSHIP. PLEASE SEND ME THE INFORMATION THAT WAS USED INCLUDING THE INTERVIEW YOU MAY HAVE HAD WITH THE COMANY .PLEASE PROVID ME WITH THE VERFIED INFORMATION OF OWNERSHIP AND AGREEMENT BETWEEN MYSELF AND THE CREDITOR OR REMOVE THE NEGATIVE REPORTING AS IT VIOLATES MY CONSUMER RIGHTS. 
XXXX XXXX XXXXCB/XXXX XXXX XXXXCB/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