davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I had a bank account with Bank of America I made a mistake and deposited a check I wrote out into my own account instead of my partners account I expected to receive a check from a job I did the day after and I ended up going to jail on traffic code violations so I didnt have the opportunity to deposit the money into the account when I came out of jail and I realized my account had been closed I looked for any letter pertaining to this matter and didnt find anything I called BOA and they didnt give me any info they stated that It was fraudelant and treated me horrible over the phone now I tried to open a bank account at a different financial institution-bank and I was denied because of the words used as FRAUD I never commited any fraud I do not have any sort of criminal records I work for the US DEPARTMENT OF LABOR and I have even passed the usa back ground check similiar to the military back ground check so please help me get this matter resolved I am willing to pay boa but I want the XXXX removed
Consumer complaint received 2016-09-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Receivables Management Partners, LLC (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 

Thank you, XXXX
Consumer complaint received 2016-11-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (OR)

We refinanced and signed all mortgage documents on XXXX/XXXX/2016 paying off our our XXXX mortgage with Caliber Home Loans and our second mortgage with XXXX Loans. We had received a verified 30 day payoff statement ( {$380000.00} XXXX from Caliber Home Loans, good through XXXX/XXXX/2016. After the settlement date, the Title Company wired the verified payoff to Caliber on XXXX/XXXX/2016 in the amount that was signed in our paperwork. This was confirmed as paid on XXXX/XXXX/2016. Caliber then rejected the wire in which the title company attempted to wire again and it was refused another time with no explanation, meanwhile accruing interest all these days. When I called Caliber Home Loans on XXXX/XXXX/2016, they stated that the amount was short since they refigured the numbers and in turn changed the verified and signed payoff. After digging into this in more detail, I found that Caliber had faxed an updated payoff statement with a larger amount to the title company on XXXX/XXXX/2016 without notifying anyone and after we had already signed documents. To rectify the situation, we immediately brought additional funds down to the title company, even though this did n't seem right, just so that we could get it paid off to avoid even more days of interest charges, all the while paying interest to our new mortgage company ( that we had refinanced with ). The title company then requested a new payoff good through XXXX/XXXX/2016 and wired out the amount of {$390000.00} on XXXX/XXXX/2016 including more days of interest and fees. The wire was confirmed paid on XXXX/XXXX/2016, but then returned again on XXXX/XXXX/2016 with yet again, no reason. We then called and requested for a final time a new payoff statement in which Caliber yet revised again good through XXXX/XXXX/2016 in the amount of {$390000.00}, including more interest and fees. We are still waiting to see if they will accept this payment. This is absurd! We then wired out the amount of {$390000.00} on XXXX/XXXX/2016. Caliber has not been easy to deal with and I have never heard of them increasing a payoff statement without trying to notify us or the lender or title company. This makes zero since and we should not be responsible for paying on their lack of communication, organization and frankly a complete mistake on their part from calculating the original payoff.
Consumer complaint received 2016-03-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (VA)

I called all three consumer reporting agencies about an erroneously reported item on the public records portion of my credit report. The item concerns an incomplete and incorrectly reported judgment from when I filed a countersuit against a landlord ( actually I attempted to file first and she beat me to it ) for improper withholding of a depost and an improper lease. I won the judgment in XXXX Co Special Civil Part - I have a copy of the judgment and a copy of the credit invoice to the plaintiff - a realtor. I spoke with a Indira in the XXXX XXXX Post Judgment Team - who confirms that the court records reflect XXXX XXXX the plaintiff as being held accountable for the judgment and that I won the judgment. Somehow the entity furnishing the information to Experian, XXXX, and XXXX has not been accurate and is not being held to any accountability for the accuracy of this report. I contacted all three credit agencies to include XXXX. The XXXX website wo n't let me enter data - keeps coming up with an error message ( I have a copy ). The XXXX online automated reporting system keeps hanging up on me - two hours I 've spent out of a busy day. I am a XXXX - the reason I was even in the aforementioned rental property - and I am trying to run my XXXX. I applied for a loan. My credit is fairly good - and could be great if there was not this GLARING inaccuracy on the reports. The credit reporting agencies have a very flippant and avoidant attitude towards this issue and other ones like it. We are held accountable through financial penalties for processes and issues which may or may not be accurate- while it seems the the agencies and their clients who are paid to report the information to them ARE NOT. This is hurting my credit score and my credibility in general. These are very trying times to start a business of ANY sort in the US and this has been an incredible drain to try to get this recognized and reported correctly. XXXX just has noted the matter as " settled '' on the report - also reflecting that I LOST the judgment. Transunion is not even letting me report it. And Experian states it has to check with its private vendor of the information even though I sent in the statement of judgment from the court, from my lawyer, and a copy of the entire judgment received from XXXX County Special Civil Part for the docket in question.
Consumer complaint received 2017-01-31
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I deposited a check from a fraudulent company/ job scam and deposited the check into Bank of America and withdrew the funds after they did n't initially stop the check. Some time after withdrawing the funds, they put the check on hold, causing me to show and overbalance and they are not cooperating with me at all in order to resolve. I understand that they can not directly go after the company, but at the rate I 'm going, I 'm going to be slapped with overdraft fees when they essentially told me to go get the money myself.
Consumer complaint received 2017-03-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc. (NJ)

This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and XXXX distress until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!
Consumer complaint received 2016-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I filed for bankruptcy in 2009 and included all of my debts - which included a XXXX XXXX XXXX XXXX XXXX XXXX credit card. XXXX XXXX XXXX XXXX XXXX is now called XXXX XXXX XXXX XXXX. My credit report shows XXXX XXXX XXXX XXXX account as a charge off even though it was discharged in my bankruptcy in 2009. A representative from XXXX XXXX XXXX XXXX told me they could not talk to me in regards to this matter. I would like to resolve this matter as it is impacting my credit negatively and have this debt removed from my credit report.
Consumer complaint received 2024-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX XXXX ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXXXXXX 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 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION (TX)

CREDIT ACCEPTANCE CORPORATION has engaged in fraudulent practices and should be promptly removed from my credit profile. Legally, fraud is defined as the intentional use of deceit or dishonest tactics to deprive someone of money, property, or legal rights, which can violate both civil and criminal law. CREDIT ACCEPTANCE CORPORATION has faced mulitple accusations of such practices, as seen in Case No. XXXX XXXX. XXXX, where the record notes : Credit Acceptance Corporation makes predatory loans to millions of financially vulnerable consumers trying to buy a used vehicle. CACs loans carry exorbitant interest rates, are loaded with expensive add-on products, and saddle borrowers with debts that even CAC believes the borrowers often can not afford to repay in full. CAC aggressively markets itself as an alternative for consumers with limited credit options and touts its loans as a way for consumers to build their credit and gain financial freedom. But CAC is often setting up consumers to fail. 
I am a direct victim of CREDIT ACCEPTANCE CORPORATIONs deceptive practices, which have made it extremely challenging to manage my loan, especially during the pandemic. Their continued negative reporting has severely impacted my credit and financial stability. I have contacted CREDIT ACCEPTANCE CORPORATION and all three major credit bureaus ( XXXX, XXXX, and XXXX ) regarding these predatory and fraudulent tactics to seek relief. Since XX/XX/year>, I have mailed numerous letters to these credit bureaus, but CREDIT ACCEPTANCE CORPORATIONs ongoing actions continue to suppress my financial consumer rights and harm my financial well-being.
Consumer complaint received 2016-05-18
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I HIRED A MOVING COMPANY IN MA TO PICK UP AND DELIVER SOME OFFICE FURNITURE IN ME. THEY SENT ME AN AGREEMENT VIA EMAIL TO SEE IF IT LOOKS GOOD I REPLIED YES. THE ESTIMATE WAS FOR OVER XXXX AND I GAVE PERMISSION TO CHARGE ME XXXX FOR THE INITIAL DEPOSIT AND UPON DELIVERY I WOULD GIVE THEM CASH IN HAND FOR THE REMAINING BALANCE. THE MOVING COMPANY WAS ONLY AN HOUR AWAY FROM THE LOCATION OF PICK UP. THEY WERE ONLY THERE FOR 30MIN AND DETERMINED THEY COULD NOT TAKE THE OFFICE CUBICLES APART BECAUSE THEY WERE CUSTOM MADE ONSITE SO THE GIRL CALLED ME AND WE AGREED TO JUST KEEP THE DEPOSIT. LATER THAT DAY I WAS CHARGED XXXX ON MY DEBIT CARD FROM THEM AND I CALLED AND EMAILED THEM AND THEY WOULD NOT REPLY. I FILED A CLAIM WITH BANK OF AMERICA AND 45 DAYS LATER THEY GAVE THE MERCHANT BACK THE MONEY. BOA SENT ME LAST MINUTE SUPPOSEDLY SIGNATURES SIGNED BY ME IN ANOTHER STATE AND TOLD ME BECAUSE IT WAS SIGNED THEY HAD TO PAY THE MERCHANT. I NEVER AUTHORIZED ANYONE IN ANOTHER STATE TO SIGN ON MY BEHALF, THE MOVING COMPANY EVEN ADMITTED THAT THEY HAD IT SIGNED BY SOMEONE ELSE WHICH WAS NOT TRUE. BOA PAYED THEM MORE THAN WHAT THE APPROXIMATELY EST WAS. I NEVER RECEIVED THE MERCHANDISE. I ASK BOA TO LOOK AT MY SIGNATURE CARD IT DOES NOT MATCH AT ALL, THEY PROMISED TO EXPEDITE IT AND THAT THEY WERE NOT GOING TO TAKE ANY MONEY OUT OF MY ACCOUNT BECAUSE IT WAS EXPEDITED AND THE NEXT MORNING THEY STILL DID. I WANT MY MONEY BACK IN THE ACCOUNT AND BECAUSE OF THIS FRUSTRATION I HAD TO GO WITH ANOTHER BANK COMPANY AND TRANSFER EVERYTHING AND ORDER ALL NEW CHECKS FOR MY BUSINESS ETC. I HAVE NEVER MET A BANK THAT DID N'T GO TO BAT FOR THERE CLIENT AND OVER THE PAST 3 YEARS I HAVE PUT XXXX OF DOLLARS THROUGH THERE BANK. IF I DO N'T GET COMPENSATED FOR MY PAIN AND SUFFERING AND GET MY MONEY BACK AND HAVE ACTION TAKEN AGAINST THIS MOVING COMPANY I WILL GO TO THE XXXX XXXX, I WILL FILE A LAWSUIT AND I WILL FILE A COMPLAINT WITH Senator XXXX XXXX. I CAN BE REACHED AT XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2011 i deposited a check of XXXX into my Bank of America account. I received this check through a craiglist job that i found and i was sent was sent a check to be deposited into my account and from there purchase things and shipped them out. I received the check and the check seemed legit. Then i received a letter from the that my account was closed due to a fraudulent check. I was surprised because I did n't know it was a bad check. I was XXXX at that time and was looking for any job to be able to meet ends meet. I disputed the case with XXXX and bank of america and nothing is been done. I asked bank of america for a copy of the check and said they do n't have it because this happened XX/XX/2011. I did research after that and i was one of the people of XXXX scam where they send you and check and it bounces to be a bad check. I deposited the check and did n't touch any of that money from that check.
Consumer complaint received 2016-09-04
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XXXX XXXX, 2016, I purchased a XXXX Ford Edge from XXXX in XXXX, XXXX for XXXX. They insisted the car the car was accident free. One month after purchase it was determined the car was in fact involved in a serious accident which they failed disclose. The loan was financed by Capital One Capital One Bank, XXXX. XXXX XXXX, XXXX, XXXX XXXX. They and XXXX refuse to refund my money or take any corrective action.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I inadvertently defaulted on a XXXX account with a balance of {$690.00}. This amount in full was paid DIRECTLY to XXXX and there is now a {$0.00} balance with them. This should NOT be with a collection agency or reporting as such with any credit bureaus. Upon disputing this with the bureau, they claim to have verified it, although I was able to verify with XXXX that there is no balance on my account.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

Every single alleged account that Is reporting on my consumer report is incorrect and needs to be removed. Every negative alleged account is reporting inaccurately, and erroneous which is grounds for removal under the Direct Violation of 15 USC 1681 Reporting incorrectly. Please have them do a full complete investigation on my credit report, please dont just have them do it by eoscar, my life is depending on my good credit. Every account is unauthorized.
Consumer complaint received 2016-12-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I closed XXXX accounts with my bank when I moved out of State. The bank acknowledged that I was closing the accounts and provided me with closing statements and checks for the remaining balance in the accounts. Apparently, the bank accounts were closed but the debit cards were not canceled. Subsequently there have been charges made against the closed accounts. The problem started when the bank notified me that the account was overdrawn because a charge on the debit card caused the account to be reopened and the charge paid. After speaking with the bank location where my old account was, the charge was reversed and the overdraft fee was forgiven and I was assured that this would not happen again. I then double checked to make sure there were no pending automatic payments with any entity I conduct transactions with. Since then there was another transaction with the same results. This time the bank can not tell me who charged the closed account other than " an international transaction '' and began pursuing me for payment. I then reported the new charge to the bank fraud department and again asked the bank why the debit cards still remains active. The customer service rep then said it would be a couple of days for the card to become inactive. After many phone calls to customer service, not only have they failed to close the debit cards, there are more charges being applied to this closed account and they are again pursuing me for payments.
Consumer complaint received 2024-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am a victim of XXXX XXXX I'm filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a few Personal credit card Accounts listed below. This request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 USC 1681 e ( b ) Accuracy of a report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure then maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of the information from the file of the consumer, or modify that the item of information, as appropriate based on the results of the reinvestigation, an ( ii ) promptly notify the furnisher of that information that has been deleted or modified from the file of the consumer. 
Please remove the following items from my report.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-20
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: EQUIFAX, INC. (NY)

I've been disputing things on my report since the summer and it's alot of wrong information and wrong addresses plus wrong names on my report and I get email from ( XXXX ) that they are not removing it
Consumer complaint received 2016-12-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX