davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My house has been sold and the Amount deposited on my Account bank of America ( Attached Transaction Statement {>= $1,000,000} ) it is landed in my account on the XXXX XX/XX/2023 in addition to my original amount which already inside the bank {$29000.00} ( statement attached ). 

After selling the house I traveled to XXXX XXXX because I have intention to buy house and living with My niece ( her name already registered in my account as a beneficiary ) so we made the first transfer {$500000.00} which was on XXXX XXXX ( attached transaction statement ) and it is landed in her bank account XXXX XXXX on the next day XXXX XX/XX/2023. 
the rest amount in Bank of America was XXXX, XXXX and I intend to make another transfer to my niece bank account XXXX in United States, two times Attempts of transfer with no success ( attached 2 online transfer requests of {$500000.00} which has been canceled ( No. XXXX on XXXX XX/XX/2023 & XXXX XXXX XXXX XX/XX/2023 ) this transfer after cancelation should be return back to my account automatically!!!! but what is happened is the bank locked my account and requested me to call the customer service and I can not access my online banking for one month, many times after XXXX XX/XX/2023 I tried to speak with them to solve the problem but with no success saying they could not verify me and they will send me XXXX mail for verification and after receiving this mail they can assist ( calls recorded ), I did not receive any mail during this time, so I called them again on XXXX XX/XX/2023 and they pushed my back from one to one and after giving them all the requested information I can login my online banking on XXXX XX/XX/2023, but it was big shock when I discovered my balance with a huge shortage amount, it is supposed to be as I left it last time XXXX, but the amount was only {$380000.00}, the shortage amount now is {$230000.00}. 

There were XXXX with drawer by XXXX XXXX which I never has any idea about!!! ( {$500.00}, {$900.00}, {$800.00}, {$800.00}, $ ) XXXX = {$3000.00}. 

There were XXXX drawer by XXXX XXXX, which I never has any idea about ( XXXX + XXXX XXXX XXXX ) = {$100000.00}. 

There were two Withdral by XXXX  ( XXXX + XXXX ) = {$1000.00} There was one Withdrawal by XXXX {$500.00} Costumer service transferred me with claims office and they sent me the last statements during the month which I never can access my online banking ( statements attached ) please treat this as priority because there is Fraud on my account and I am requesting urgent investigation.
Consumer complaint received 2018-07-17
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. (WI)

I have filed dispute for the partial charge with my Citi credit card. 

When I filed dispute with Citicard I offered supporting documentation but Citibank rep refused to take it and advised me that Citi would notify me if needed : I believe Citi does that on purpose to easily deny consumers disputes. 

Citi is violating user agreement as they pledge to help consumers to fight fraud : Citi Executive rep XXXX XXXX response from XX/XX/2018 applied facts improperly and demonstrated that Citi is unwilling to detect and fight fraud : 1. XXXX XXXX is incompetent as she is only taking into consideration merchant 's false response : " TV 's were inspected, nothing was returned. '' XXXX XXXX did not bother herself with reading and investigating my complaint : Facts : 2. One TV was left behind and merchant confirmed that fact in writing to Citibank 3. On XX/XX/XXXX when merchant state I picked the remaining TV I was in State of WI, see attached proof : my credit card statements 4. Pick up signature on merchant 's receipt is not my signature, see my signature attached 5. XXXX toll info record I left State of Fl on, she simply cited merchants false response while I am stating that I was not in FL on XX/XX/XXXX to pick up 1 TV merchant stated that I picked up TV on XX/XX/XXXX, while I was in WI, see my credit card statement also my signature is forged. 

Citibank ignoring the fact that I left behind 1 item. 

Citibank must investigate fraudulent activities and comply with the user agreement.
Consumer complaint received 2023-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Williams & Fudge, Inc (MI)

This complaint is over {$1500.00} that is attempted to be collected by XXXX XXXX XXXX. There is multiple problems with this and THE TOTAL AMOUNT should have been released already. 

1 ) My federal debt is on schedule to be released under the forgiveness act. 
2 ) I worked for the school itself and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX and permanately XXXX. XXXX denied my workmans comp. and I have a continuing case on this matter however, I am not working and SSDI XXXX ( approved ) as PD. since XXXX and when I contacted XXXX they ignored me and this is targeting in retaliation to this case WHICH THE SCHOOL ITSELF is LIABLE FOR. 
3 ) I am XXXX and XXXX since the above and living on a very limited budget. XXXX ignored this and this entire matter is prejudice on the case of XXXX which I will look into discrimination AGAINST a XXXX person. ( great work ). 
4 ) This entire amount should have been released long ago and it kept me from continuing school. They are scandalous.
Consumer complaint received 2023-04-27
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: Experian Information Solutions Inc. (PA)

Fraudulent accounts and inquiries appearing on credit report. 1. XXXX XXXX {$0.00} 2. XXXX {$510.00} 3. XXXX XXXX XXXX {$810.00} 4. XXXX {$25000.00} Inquiries 1. XXXX 2 XXXX XXXX XXXX, 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX 6. XXXX XXXX
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My personal information was stolen from my car and my id has been used to get credit and loans. I filed the correct paperwork per the FCRA and sent them to the credit agencies. The disputes are not being done correctly and the documents I sent in are not being attached to the disputes. And I am not getting the copies of the verification process per the FCRA. 

These are the accounts : XXXX credit XXXX XXXX XXXX of XXXX
Consumer complaint received 2023-04-29
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. (LA)

This is my follow-up complaint about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$150.00} XXXX XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$90.00}
Consumer complaint received 2023-04-29
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. (SC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my follow-up complaint about being a victim of identity theft. You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : -
Consumer complaint received 2023-04-29
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. (TX)

This is my FURTHER Complaint regarding identity theft that I experienced. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must remove or block any information that was opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) a statement from the consumer confirming that the information is unrelated to any transactions. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$660.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$14000.00} XXXX  ( Original Creditor : ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$8600.00} XXXX XXXXXXXX Balance Owed : {$5900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance Owed : {$110.00} ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$64.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (TX)

I purchased my new build home back in XX/XX/XXXX. I was then qualified for the homestead and 50 % XXXX veteran partial property tax exemptions. An escrow analysis was conducted in XX/XX/XXXX by loandepot which drastically dropped my mortgage payment from around {$2000.00} to {$1400.00}. I paid this amount on time for the next year, thinking that my escrow was steadily growing all year until taxes are billed at the end of the year ( This is stated in my official closing documents.. XX/XX/XXXX comes and in a matter of 1 week my new mortgage payment has doubled to {$3000.00} a month and my escrow account is now approximately - {$8000.00}. I was Going back and forth for a month between loandepot and my tax office with no progress and not much empathy on the loandepot staff to research the unique situation. Come to find out that back in XX/XX/XXXX when my escrow analysis was completed, the loandepot tax department incorrectly entered me as a XXXX XXXX XXXX veteran ( excluded from all property taxes ) when I am only XXXX XXXX XXXX which qualifies for only a PARTIAL tax exemption. Due to this major error, I was then only projected to have a {$0.00} cent property tax bill for XXXX. This then caused NO money to be collected into my escrow all year aside from the {$65.00} a month for homeowners insurance. I was unaware of this all year and was never notified either. I feel I was scammed and now being bullied to pay back {$7200.00}! I have all the proof and documents with me to prove where the mistake happened and the issue that was caused. I recently accepted a 60 month spread to immediately lower my mortgage payment but that was before I figured out where and who made this major mistake. I feel that this was on LoanDepot 100 % and they owe me the {$7200.00} which was my original projected tax amount for XXXX BEFORE I was entered incorrectly as 100 % XXXX. I can provide all proof and documents needed at any point in time. I plan to escalate this as far as I need to in order to get the correct fix.
Consumer complaint received 2023-04-27
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. (FL)

Months ago, I sent a letter to the XXXXhree credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-29
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 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.
Consumer complaint received 2023-04-29
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. (FL)

Advised equifax and XXXX that I have no knowledge of these accounts. Requested that they be removed within 30 days. The credit company 's failed to remove them. I spoke with XXXX on XX/XX/2023 and they removed the accounts as they were determined inaccurate accounts. I will attach a screen shot showing they were removed off my XXXX account. The other credit bureaus have failed to remove them.
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX a dispute was made, BOA provided temp credit for it. In XXXX the reversed the credit twice ( double dipped on my account ) which was only rectify after I called and complaint about it. Now in XXXX they reverse the credit again. They are giving me the round around and not provided me my funds back
Consumer complaint received 2023-04-29
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-04-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Was called about a loan, said I was approved for {$5000.00}. Then was told a deposit was going to be put in my bank account to test for any overdue pending loan payments, and I was to send it back to lender bank account. I did, then he made another deposit and told me to do the same thing, by the third deposit I didnt want to send anymore money and was told if I did not return this money I would be red flagged. I later found out this person hacked my bank account and canceled a bunch of my transactions. Which is why the money was put back into my account.When I found out I was scammed I tried to file a claim with my Wells Fargo bank account. They denied charges for suspected fraud. I am not getting this money back, and now they are closing my account for fraudulent activity. Arent they supposed to fix these problems? I am not satisfied with this decision.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have XXXX resolved disputes with transunion that does not reflect on my credit report but rather shows not changed. I demand it changes and reflects correctly on my report.
Consumer complaint received 2023-04-29
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. (TX)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are 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 block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$180.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-27
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: Fidelity National Information Services, Inc. (FNIS) (FL)

According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, instance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15. U.S. Code 1681 c-2 ( c ( 1 ) C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked. 4 days you have.
Consumer complaint received 2023-04-29
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. (CA)

I reviewed my Consumer Reports and noticed that I had erroneous reports on several accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts which leads to their erroneous status : XXXX XXXX Balance : {$7.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$580.00}