davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
BK OF AMER XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2017-09-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home American Mortgage Corp (CO)

In process of purchasing a new home form XXXX XXXX XXXX we were required to use it 's affiliated mortgage company Home American Mortgage. The process started in lateXX/XX/XXXX, at first initiation we stated we wanted a conventional loan, 20 % down payment. Home American Mortgage pre- qualified us an FHA Loan , a required us to payoff all debt in order to qualify for the conventional Loan we wanted. We inquired on what we should be doing to raise our credit scores to help obtain or conventional loan, we got no response, from the loan person. This was already the 2nd loan person we had been moved to, due to the first being very rude and callus with my wife. After a couple of attempts we were not satisfied with responses or response time from XXXX XXXX. We were then moved XXXX our third loan person in lateXX/XX/XXXX. XXXX was again prompted that we sought conventional loan we needed guidance as to what we could be doing to raise scores and be sure we were in good standing with credit scores. Our real estate agent was also in contact with XXXX, questioning why he had not spoke to us, gave any repose to questions or even pulled credit to see what our scores were. XX/XX/XXXXstill heard nothing from XXXX, our agent again reached out to him voicing concerns. Finally received word from XXXX XX/XX/XXXX with useful info, he had not pulled credit, the loan was still in FHA status with credit scores from XX/XX/XXXX XX/XX/XXXX XXXX ( branch manager ) reached out to me saying that she would handle all concerns now, after a brief discussion I voiced my concerns and requested guidance again! My call was not answered until a week later by XXXX, all these months wasted were I could have done credit repair/improvement gone. Which leaves me at FHA with PMI, and a mortgage payment that was $ 600- {$1000.00} higher then it could or should have been, pricing me out of the home purchase. All due to no guidance and complete negligence on behalf of of XXXX Affiliate Home American Mortgage. XXXX now is retaining our earnest money of {$9700.00}. Stating " Buyers Remorse ''. All we did id everything required of us, and now as a direct result XXXX is keeping our {$9700.00} at no fault of our own!
Consumer complaint received 2017-09-20
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. (TX)

The recent Equifax hack ( XXXX-XXXX 2017 ) potentially leaked all of my most valuable personal information online. I would like to know what steps will be taken by Equifax to right this wrong. I would also like to know Equifax 's legal culpability in this event. For example, I am held accountable for how the information in my credit report is used, including if it is stolen. I expect the same from Equifax and view this as gross misuse of the information they have been entrusted with. My social security number is issued by the US Government and therefore I am also curious as to how they will be involved in this investigation. I personally believe the entire social security number system has been invalidated by this leak and this will be an expensive problem to fix, the responsibility of which I feel belongs to Equifax.
Consumer complaint received 2017-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

I had Internet service at my Home in Georgia and the Internet was continuously having problems, so I called on several occasions to get XXXX XXXX XXXX to come and provide service to fix the problem. We set up an appointment and the technician did not show up on 2 separate occasions!! I was furious from missing work, etc. 2 weeks later the Modem went out and NOW the Internet was completely down, so I had no choice but to get XXXX XXXX XXXX out to my home and finally a tech showed up and stated that I needed a NEW modem and I said OK, then stated that I had to pay for it, and I refused because it was their modem and I was paying monthly for it!! I said, I NO LONGER want XXXX XXXX XXXX because you guys are horrible, the tech then said " I understand '' and started packing up. I told him to take the MODEM with him and he said " just throw it away, its fried ''! I said ok, called XXXX, who I am still with today. A year later, XXXX XXXX XXXX puts a debt on my credit report saying I owed them for a Modem!! I was beside myself and NOW, I have a collection agency hounding me, continuously refreshing their reporting to the Credit Bureau.. I dispute it and get it removed, and then they report it again with a different amount, so I called them and told them that they are harassing me and NOW its worse than ever!! They keep adding to the original {$19.00} they say I owe, which I do n't, and now its {$160.00}!! They refresh every month adding new fees. They are continuing to harass me!!
Consumer complaint received 2024-08-04
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. (CA)

I recently reviewed my credit report and noticed than an account that was not reporting accurately. I had XXXX late payment on an account that was in fact paid on time. The consumer reporting agencies have a duty to report all information with complete accuracy. This account has not been late on payments I have attached a copy of my report to this complaint on the following dates. XX/XX/XXXX, XX/XX/XXXX I am not requesting that an investigation is provided and that the CFPB provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand that these late payments be updated to paid on time immediately. Thank you for your understanding and prompt action in regards to this matter.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Subject : Request for Refund Update - Claim Number XXXX Dear [ Recipient 's Name or Customer Service ], I hope this message finds you well. I am writing to request further information regarding a refund I am seeking for a paid service that I did not receive. On XX/XX/XXXX, I made a payment of {$250.00} to the XXXX XXXX XXXX but have yet to receive the corresponding document or item related to this service. 

I initially reached out to the XXXX XXXX XXXX via email at XXXX ( mailto : XXXX ) to request a refund, but unfortunately, I did not receive any response. I also attempted to contact them through their XXXX page ; however, it appears that there have been no updates or posts since XXXX. 

After not receiving a reply, I contacted my bank, Capital One, to dispute the charge. The claim number for this dispute is XXXX. I provided the bank with a receipt for the charge and a screenshot from the XXXX XXXX XXXX 's website, which mentions that I could request a refund if I was not satisfied with the course. 

Regrettably, I was informed that the dispute was not resolved in my favor, and I have not received any additional information regarding the reasoning behind this decision. I kindly request more clarity on why I am unable to obtain my refund, as well as any further steps I can take to resolve this matter. 

Thank you for your attention to this issue. I look forward to your prompt response.
Consumer complaint received 2017-09-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NC)

Last month the Wells Fargo Bank on XXXX XXXX in XXXX, NC allowed an unauthorized person to withdraw a total of {$14000.00} from my checking and saving accounts. I spoke in detail with the branch manger however he was not the person who appoved the transactions to my knowledge. The accounts were then closed verbally by the same person that withdrew the money. While doing my own research to figure out how this happened I noticed that one the same day this same person used the online portal to change my personal information. I know who this person is because I had a restraining order on them for hacking into my electronic devices and email on a separate occasion. I asked the branch manager to provide me with any documentation that authorized this person to be on my account and he was not able to do so. He did however provide me with an email that stated there were no documents that could prove I gave her access to my accounts. It appears that the bank literally gave my money to someone who had no claim to it. Nine days ago I submitted this claim to the OCC the next day I was told that it was referred to the CFPB and after 5 phone calls over the last two days I 've come to conclusion that my claim is being ignored. At this point I 'm prepared to move forward with my lawyer in this matter after trying repeatedly to get it resolved.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX XXXX : XXXX  is aware and has proof in the attachment labeled as Exhibit B. XXXX Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by XXXX  Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2016-09-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (MD)

I opened up an account at PNC XX/XX/XXXX when I got my second job so that I could put money into that account and save easier. So I set up my account so my direct deposit would go into that account. Well I never had more then XXXX in the account. XX/XX/XXXX was the last time I took out {$100.00} leaving me with a balance of {$5.00}. Then I do n't look at the account again until I get a forged check with my name on it for {$900.00} that was put into my account. I do n't know how anyone got into my account to deposit and the bank obviously rejcted it. Then I got a letter in the mail telling me that I have a -XXXX and some change. So I go on my banking app and see that my account was hacked. So I called the bank and their response was because it took me too long to call them about the forged check that I compromised my account. So I called them up and I got the run around from them. I was told that I had to go make a police report so I went and did that at my local police deparmtnet and the policeman Officer XXXX of XXXX County police on XXXX XXXX, XXXX, told me to have the bank call them because they were unsure of twhat what had happened they did n't know why the bank had sent me there when there was nothing they could do. So I call back up, after talking to XXXX the day before to talking to XXXX now, and she directed me to the Fraud department of the bank who was told me that bank had charged it off, and that XXXX would be contacting me. And since then no one has contacte me. No one can tell me why they allowed someone taohack into my account and withdraw more then XXXX when there was little to nothing in the account. So now I am being charged with the balance that I had nothing to do with. This bank is so unprofessional
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was contacted multiple times i let them know this was not my account. this is a fraudulent account. I have filed an XXXX. I asked for information on the debtor full name DOB last four of social they wouldnt give it to me
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I 'VE CONTACTED TRANSUNION SEVERAL TIMES BEFORE CONCERNING THIS MATTER AND IT HAS YET TO BE RECONCILED. ALL I WANT IS FOR TRANSUNION TO FOLLOW THE LAW OF THE FCRA SEC 611 ( 5 ) ( A ) AND REMOVE THIS ACCOUNT OR SEND THE DOCUMENTS THEY USED TO VERIFY THIS ITEM.
Consumer complaint received 2017-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I receive regular checks from a person who has a personal checking account with Bank of America. I usually go into Bank of America to cash these checks. Today, XXXX/XXXX/17, I had 2 checks to cash and was told there is now a new Bank of America policy that charges the check holder, me, an {$8.00} fee per check cashed. The check amounts were {$250.00} & {$600.00}. {$16.00} to cash 2 checks? This seems like extortion to me. I find a fee to get money that is yours is not justifiable and should be illegal. Banks can make enough money from all of their deposit accounts and account maintenance fees that they should not legally be able to charge someone for cashing a check drawn upon that financial institution, especially with checks of small amounts like these.
Consumer complaint received 2017-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MD)

Citibank is engaging in deceptive business practices, allowing vendor 's, merchants to place reoccurring charges on the consumer credit card without the consumer knowledge or consent. 

Each time I had to reach out to Citibank for reoccurring charges the only remedies provided is the consumer having to closed out existing card and open a new card.
I had to change cards ( 4 ) times in the last year due to Citibank allowing vendors merchants to access and charge my account at will and without my consent.
Citibank is claiming that if the merchant claims membership or some sort of dues they have the right to submit authorization for reoccurring charges without any documentation or consumer signature authorizing said reoccurring transactions.
The consumer is under the impression that only authorization provided is for a one time charge neither the vendors, merchants or Citibank is disclosing reoccurring charges were set-up allowing unauthorized charges to be placed on the consumers account and Citibank making monies off the additional interest charged.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I leased a XXXX XXXX XXXX back in XXXX XXXX. The lease was for 39 months. My wife and I filed a Chapter XXXX Bankruptcy in XXXX XXXX. Instead of including the XXXX XXXX in our Chapter XXXX Bankruptcy we chose to have the XXXX XXXX XXXX reaffirmed. I only had four more payments left and the lease would end. Our attorney submitted the Reaffirmation Agreement to the courts on XXXX XXXX, XXXX. I appeared in court on XXXX XXXX, XXXX for the Order on the Reaffirmation Agreement. The  amount of the debt to be reaffirmed was only the remaining payments due until the lease matured on XXXX XXXX, XXXX. The courts approved the Reaffirmation Agreement on XXXX XXXX, XXXX. The XXXX XXXX was then turned in at the XXXX XXXX Dealership in XXXX XXXX, Nevada on XXXX XXXX to the original creditor and the lease was complete and finished. The original creditor was XXXX. XXXX was then taken over by XXXX XXXX. TransUnion, XXXX, and XXXX are all reporting that XXXX XXXX included the XXXX XXXX in the Chapter XXXX Bankruptcy which is incorrect and illegal not to mention it is also showing activity as of XXXX XXXX ( states closed ) which is also incorrect. The XXXX XXXX was turned in and given back to the original creditor with no remaining debt left to pay.
Consumer complaint received 2017-09-20
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I filed a complaint with the credit bureaus because of an account I felt was being reported inaccurately. I had a loan with Bank XXXX. During the time of the loan I was also having some other XXXX and XXXX  issues and filed for bankruptcy. During the time of the bankruptcy I asked that the loan not be included. The lawyers explained to me that the judge would include everything and then the bank and I could go back and re-affirm the loan. I continued to make payments on the loan. I met with the bank XXXX XXXX XXXX and he agreed that we would keep the loan active and re-affirm the loan. Unfamiliar with the process I was told I simply had to keep making the payments and the loan would be reported as up to date and paid. I completed the terms of the loan as agreed and paid off the full amount. The loan is now showing on my credit report as being written off in the bankruptcy. I contacted the bank and asked for them to correct the information in the report. A bank representative did send me a copy of the loan payments to give to the credit bureau and the information on how to dispute it. I submitted the documents along with the dispute to all the credit bureaus. Several weeks later I get a letter from them stating that they " verified '' the information to be accurate as written off in the bankruptcy and it would remain on my report as such. I disputed it a second time with the documents and they still did not change it. I am unsure how they can leave it as a negative on my report when I clearly gave them proof from the bank that it was a positive account that was re-affirmed and should be reported as such. I requested that they simply update the account with the correct payment history and take off the comment of included in bankruptcy because it was not.
Consumer complaint received 2024-09-14
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: EQUIFAX, INC. (FL)

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 XXXX 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.