davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
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 (MO)

On XX/XX/XXXX I was alerted by Bank of America for fraud activity on my account. Once I told them I wasnt the one who made those transactions my account was froze/closed. I told them my check was going to be deposited into my savings account XX/XX/XXXX. I was told by BOA that my check most likely would be rejected because the account was closed. That turned out to be a lie my check was allowed to go into my savings account. I was in constant contact with BOA fraud department trying to get my money. I was told the investigation end date was XX/XX/XXXX. While waiting for updates on the investigation I discovered someone hacked my XXXX XXXX account and was trying to take {$1500.00} from my bank account. I informed the bank but there wasnt much done with that information. Up until this point my savings account had {$1200.00} and my checking had about {$30.00} or {$40.00} dollars in it. Today when I talked to them ( XX/XX/XXXX ) They told me my checking account was negative {$1500.00}, which was the exact amount that the person tried to take from me via XXXX XXXX I told them over and over again the transactions were not made by me I have proof of it. They told me the money in my savings account was going towards the negative amount in my checking account. I argued with them about how it wasnt fair that I was being punished for fraud activity in my account. Im having to pay for transactions that wasnt made by me. A whole paycheck is gone because Bank of America wont refund it to me. I have been through this month long process in hopes that I would get my money back just to find out BOA is keeping it. Also how could someone take {$1500.00} from a account that never had that much to begin with?
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (GA)

When Truist bought out BB & T I closed out the BB & T & called Truist. I explained I did not want to continue with Truist. I cut up the card and considered the matter closed. Truist called me sometimes twice a day trying to regain my business.I made calls & posting asking if anyone knew how to stop them but to no avail. 
Always, without exception, I pay my credit cards in full monthly. I have lived on Social Security since retiring and this am I went to my credit union. I asked them to please print out all I have paid monthly, called Truist, gave them the amounts and dates but Truist is not accepting my facts. 
I am told I can not close out the account until balance is paid. Total of XXXX plus.Soon to be XXXX. Then I asked to be transferred to the dept to get the final balance so I can get rid of this. I don't owe this but am XXXX and completely defeated by this action.Also the people I spoke with demanded my full social security number. I gave it but I thought that was wrong..* aAlso I do not know the account number except either XXXX or XXXX. 
I do not know the mailing address or email or anything. I called & cancelled BBT and cut the card up. 

I dont know what to do next. I was put on hold until my battery only had small time left so I hung up.

Then I decided to write to youXXXX XXXX XXXX XXXX XXXX and always prided my self on managing my affairs. But this has me stumped. Any advice you can offer will be greatly appreciated. I cant close the account so naturally the interest keeps growing, please advise. Thank you so much, XXXX XXXX XXXX. XXXX XXXX
Consumer complaint received 2023-09-28
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NJ)

I opened an account with XXXX XXXX in XX/XX/XXXX. When I went to pay the bill, I could not pay XXXX directly online. Instead, I needed to pay through Wells Fargo. My other credit accounts through WF appeared on my online account profile, but XXXX was not showing. I then used Bill Pay through WF and set the payment to Autopay each month starting with the XXXX payment on the Due Date. I started to incur {$40.00} late fees because apparently the Bill Pay option takes 1 business day. Meanwhile its the same bank. Wells Fargo refuses to refund me two {$40.00} late fees they charged me. Its a scam. Its says right on the paper invoice that if I used any other Bill Payment method other than WF, they are not responsible for the accuracy or timeliness of the online bill payments. But I am using Wells Fargo. This is definitely an issue and XXXX happening to many others. I pay my bills on time and this is them stealing my money on a technicality. This month the payment withdrew from my WF checking account the day it was due, XX/XX/XXXX. They didnt receive it until Monday the XXXX because the XXXX was a Saturday. The payments are set to pay on the due date. I should not penalized if I am paying on the due date.
Consumer complaint received 2023-09-28
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. (FL)

In accordance with de Fair Credit Reporting act XXXX  accounts : XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, REPORT XX/XX/XXXX ( {$1600.00} OPEN BALANCE ) In accordance with de Fair Credit Reporting act XXXX  accounts, has violated my rights. 

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

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-04
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Line Financial, PBC (MS)

Some time ago, I registered for LINE for a cash advance. They gave me {$20.00}. Since XXXX of XXXX, according to them, they have rebranded without my knowledge and continually charged my account until a charge put me in overdraft and got my attention in the last few days. I've asked for refund, been denied. This is predatory! I'm a XXXX woman living on social security! They saw that I have not used their service yet the continue to charge me for a year and a half for a {$20.00} advance.
Consumer complaint received 2023-05-17
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. (IL)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am writing this letter to express my intent to pursue legal action against XXXX XXXX XXXX for willful non-compliance with the provisions outlined in 15 USC 1681n. This intent is a result of the ongoing inaccuracies that XXXX XXXX continues to report on my consumer report, despite my numerous attempts to rectify the situation and bring it to your attention.
Consumer complaint received 2023-05-17
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. (MO)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-11-06
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. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX To : XXXX @ XXXX XXXX XXXX, XXXX GA XXXX To : XXXX @ XXXX XXXX XXXX, XXXX TX XXXX To : Transunion @ XXXXXXXX XXXX XXXX XXXXXXXX PA XXXX Account # XXXX & XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX & XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft, The information listed above which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Identity items resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank or creditor, any type of item, such as credit accounts, checking accounts, etc. 

Please block this information from my credit report, pursuant to section 605b of the FCRA, and send the required notifications to all furnishers of this information, especially Transunion, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Enclosed are the following : * A copy of my credit report you are reporting ( the fraudulent items are listed above ) * A copy of my identity Theft Report and proof of my identity * A copy of section 605b of the FCRA, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and away your reply. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-06
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. (OH)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-05-17
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. (IN)

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. ( XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.
15 USC 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 2024-01-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (FL)

The Shellpoint Mortgage company escrow analysis is wrong. 
They are saying that I was negative XXXX in escrow. 
However, today this changed to another amount XXXX XXXX XXXX  So according to their math, they are saying that I did not make any escrow payments last year at all. My homeowners insurance was {$4700.00} and taxes were {$1700.00}. The total being {$6400.00}. 
When reviewing this information I have found that they did not apply escrow payments to my account as I was making payments. I average 3-6 months ahead on all of my mortgage payments generally making monthly plus payments. Those payments include a portion that goes to escrow for each payment automatically. 
They have added this negative balance to my current mortgage payment changing my monthly escrow to {$1000.00}. This literally means that I will be paying XXXX a year in escrow. 
As of XXXX XXXX XXXX  ( according to my account ledger ) my escrow balance is a positive {$870.00}. This is after my XX/XX/XXXX taxes were paid in the amount of {$1700.00}. Yet they say I am negative as of XXXX in the amount of XXXX plus. 
My homeowners insurance has yet to be determined as the insurance company non-renewed my homeowners insurance. 
I have been on the phone with the mortgage company and each time I have to go over this again and again. They finally see what I am talking about and promise to have it reviewed. Next time I call? I get to start all over again because no one did anything the first time. Just telling me whatever I want to hear just to get me off the phone. 
My house payment went from {$750.00} to {$1500.00} due to their mistake. 
Apparently, I am not going to get anywhere with them.
Consumer complaint received 2024-01-10
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. (WI)

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. 

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 has violated my rights. Or list of inquiries 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 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Subject : Formal Dispute of Credit Inquiry Pursuant to FCRA Laws- OneMain Inquiry on XXXX Dear CFPB Office of Consumer Response, I am writing to formally dispute a credit inquiry listed on my credit report originating from XXXX, which occurred on XX/XX/2022. This dispute is made in accordance with the Fair Credit Reporting Act ( FCRA ) regulations, which XXXX consumers the right to accurate and fair credit reporting. 

Details of the Disputed Inquiry : Creditor : OneMain Inquiry Date : XX/XX/2022 Credit Bureau : [ Specify the credit bureau where the inquiry is listed ] Basis for Dispute : Upon careful examination of my credit report, I can confirm that I did not provide authorization for, nor did I initiate any credit application or transaction with OneMain on the mentioned date. As per FCRA regulations, I am entitled to accurate and timely information in my credit report, and any inaccuracies or discrepancies must be promptly addressed. 

Requested Actions : I kindly request the following actions in accordance with FCRA guidelines :
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

I submitted a email to the CFO of XXXX XXXX XXXX as well az filing disputes with Experian on inaccurate payment history reported to the 3 major credit bureaus on two accounts I have with XXXX XXXX on the dates of XX/XX/2024, XX/XX/2024, and XX/XX/2024. On XX/XX/2024 I spoke with a rep at XXXX XXXX XXXX regarding both of my credit cards being inaccurately reported paid late for XX/XX/2024 as the month has just begun and the payments of {$33.00} and {$77.00} are not due until XX/XX/2024. the rep by the name of XXXX told me he has no control of changing what was reported to the credit bureau. i then filed disputes with Experian on XX/XX/2024. dispute providing proof of the payment due date being in the future the incorrect payment status remained and no dispute was closed. this has affected my credit score and caused it to drop XXXX points.
Consumer complaint received 2024-01-09
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. (IL)

According to the information given to us from the XXXX XXXXXXXX, they do not report the XXXXto the credit reporting agencies, per ( 17 ) ( CFR ) ( 160.7 ) ( FG1 ). Therefore, we hereby refrain from sharing our non-public personal information. Additionally, we request that you provide us with an updated privacy policy that reflects our opt out preferences and an updated copy of our credit reports from all three ( 3 ) credit agencies. See letter from Trustee Agency below. 
*************************************************************************************************** XX/XX/2024 Dear XXXX & XXXX XXXX, I wanted to correspond regarding our previous conversation on the credit bureaus, the trusteeship, and your completed XXXX case. Upon the completion of a XXXX XXXX XXXX plan the standing trustee files a Final Report and Account with the XXXX XXXXXXXX. The trusteeship does not report to nor correspond with the credit bureaus. After the Trustees final report is filed with the court, the presiding judge will discharge the trustee from the case and officially close the XXXX As the status of the case changes based on the orders from the corresponding judge, the updated status become available through the courts electronic records. It is often the use of these electronic court records through which relevant parties are made aware of the status of a particular XXXX case. In addition to the courts electronic records, each creditor listed under the XXXX  plan is also notified by the court of the discharging and closing of the case. Some of these creditors will update their own records with the credit bureaus so that the completed status of the case is reflected. 

Best regards, XXXX XXXX XXXX XXXX XXXX of the XXXX XXXX TXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-17
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Michel Law, LLC d/b/a Level One Law (VA)

Signed up with Level One Law for debt management. They started pulling money from my account XX/XX/XXXX. Payments were due on the XXXX and XXXX. I went into my patient portal to adjust my draft date since I'm not getting paid until the XX/XX/XXXX. I didn't see how to make the change so I called the company and the voice mail stated the we're open. Red flag. I reached out to the local lawyer to whom I was assigned. He assured me everything was alright and if I'm still having trouble reach back out to him. I then called XXXX XXXX XXXX and found out they had received multiple calls regarding this company this week. I closed my account so no further drafts would be taken out. Found out out of the XXXX put in only XXXX was left. I feel like they never provided a service, therefore only administration fee should have been taken out. They hadn't even sent letters to my creditors identifying theirselves and making them aware the would be speaking on my behalf.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credence Resource Management, LLC (TN)

Per the FCRA, as a Federally Protected Consumer, I am now Opting out of Any and All, Authorizations, I the Cosumer XXXX have given you, written, unwritten, Verbal and non-verbal, per ( XXXX XXXX, Blank and Period XXXX Effectively and indefinitely.Please respond in a timely manner.
Consumer complaint received 2024-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (IA)

Both XXXX and Aidvantage are contacting me over my student loan. Only XXXX of them services it as far as I know. I don't know if it's scammers or XXXX of the worst companies on the face of the planet fighting trying to claim the same scrap of meat. This may be unrelated but I have also received multiple calls from a private numbers that claim to be from " XXXX  XXXX '' trying to to get information from me. They have my name and some of my information which is weird for a poll so I assume it's some unscrupulous debt collector and the only debt that I can think of is my student loans.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Your agency has repeatedly ignored my requests to fix inaccuracies on my credit report, violating the Fair Credit Reporting Act. Despite my efforts to resolve the matter with the creditor, your refusal to verify information displays negligence. The following errors are still on my credit report, adding to the distress caused by your agency 's actions : The only address that should be reporting on my file is " XXXX XXXX XXXX XXXX XXXX. 
XXXX, NY, XXXX '' Please REMOVE : XXXX XXXX XXXX FL XXXX XXXX XXXX, NY XXXX XX/XX/2023