davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-15
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I have sent numerous Qualified Written Requests to Bank of America on behalf of a client of mine. They have never acknowledged receipt of the letters, nor provided the information I requested. I have sent these letters to the correct address : Bank of America , N.A . 
Customer Service CorrespondenceXXXX XXXX XXXX XXXX, CAI have also asked for simple information. I seek only to know the identity of the investor or owner of the loan, and contact info for that person or entity.
Consumer complaint received 2015-04-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I just looked at my account and my {$9.00} and a few pennies overdrew my account and Bank of America charged me a {$35.00} fee. They refused to waive even though I have been a customer for 14 years and I think this is my XXXX overdraft I have ever had in my life. I find it both excessive and incredible that 1 ) they seem to think that charging a few more than XXXX the debit makes sense and 2 ) it is impossible to have a conversation with the CSRs because they only give the scripted answers and are unable to take each customer as an individual.
Consumer complaint received 2015-04-15
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Late afternoon on XXXX XXXX, 2015 I took a check written from my business account into Bank of America to cash. There was only XXXX teller working. The check was written for {$5500.00}. The teller ran the cash through the money counting machine and then took from the stack and said she almost gave me an extra {$100.00}. She put the money in an envelope, without counting it back to me, and I left without thinking there 'd be an issue. Well there is an issue! When I counted the money, and the bank was already closed, I found out the teller had given me only {$4400.00} ... {$1100.00} short. Immediately the next morning I went to the bank and explained what happened. The first representative immediately said the count was not off {$1000.00}. My wife interjected and said it is {$1100.00} off not a {$1000.00}. The representative then went to get the supervisor and after about 30 minutes she explained they would request the video, but there was only XXXX person that managed the entire Western region so she was not sure how long it would take. She called back and said they found no error. I asked to review the video and she refused saying that it would invade customer privacy. There were no other customers at the teller. And if the cameras are focused in on the counting machine to verify it counted out correctly then that too should not be an issue of letting me review the video. Bank of America has stolen {$1100.00}. of my money. The supervisor said their investigation is closed and I really do n't know how else to pursue justice in this matter.
Consumer complaint received 2015-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: General Information Services, Inc (TN)

I applied for employment with the XXXX XXXX company and was offered a position. They conducted a background check and credit report, which I agreed to. The company that provided the report is GIS. The only thing that showed up on that report was a criminal charge that was in public record. I have not been convicted of anything, as this is still an ongoing case. I spoke to the manager at the XXXX XXXX location that I was offered the position at and they informed me that, due to that charge showing up on that report, they were retracting their offer for employment. I contacted GIS to discuss this matter and they told me as long as it is public record they can report anything, regardless of conviction status. Also, the arrest date in the report is incorrect. I have been completely honest with XXXX XXXX throughout the entire hiring process. I disclosed all charges that I had been convicted of, which is all that was legally required of me according to my attorney. This report essentially makes me appear dishonest. Also, in the section on the report titled " Social Security Validation and Death Master Index Check '', the company reported that my Social Security number was issued between XXXX and XXXX. It was actually issued in XXXX. This report is riddled with inaccuracies and I consider it detrimental to my future employment opportunities with XXXX XXXX or any company that uses GIS for credit/background reporting. I have a child on the way soon. I can not afford for this type of mistake to hinder my financial future.
Consumer complaint received 2015-04-15
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: TD BANK US HOLDING COMPANY (MA)

We are in the process of trying to refinance our XXXX mortgage on our home and in order to complete the refinance we need a " subordination agreement " from TD Bank stating that they agree to be the XXXX mortgage holder, which they are presently. TD Bank is giving XXXX excuse after another as to why they ca n't honor our request at this time. First they said our loan was not current and it was, next they said another bank has a lien, which they do not, and now they are naming another bank as a lien holder and they are not. We are asking them to change nothing and agree to what they already agreed to XXXX years ago when we took out an equity loan with them. They are being difficult and unreasonable while the clock is ticking and we may lose out on a reduction of our interest rate and loan payment with a loan that has nothing to do with them. This is the XXXX time in the last XXXX years they have blocked our efforts to refinance a loan with another lender.
Consumer complaint received 2024-08-27
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. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

To Whom It May Concern, I am in the process of applying for employment and have been informed by the HR department that negative items on my credit report are adversely affecting my chances of securing a position. A legal friend of mine has informed me that I have the right to dispute the accuracy of this information, which appears to be in violation of 15 U.S. Code 1692e, prohibiting false, deceptive, or misleading representations in debt collection.

According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable inIf 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.

Accounts 15 U.S. CODE 1692E - PROHIBITING FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS IN DEBT COLLECTION. 
XXXX XXXX  Account # XXXX Delete this account. 
15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Inquiry Date : XX/XX/year> Delete this account.
Consumer complaint received 2015-04-15
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I had a Shell Credit Card account for decades. The issuer is Citibank. The card was very seldom used, usually on long trips. At some point I believe late XX/XX/XXXX or early XXXX the account number was changed by Citibank and I do n't why. After that point it seems all communication, statements etc., stopped. Not using the card very often it did not come to my attention. In XX/XX/XXXX I used the Shell card to make a purchase in XXXX Ca. for XXXX. I am a person that pays his bills within a day or XXXX of receiving them. Something had happened to cause me to stop receiving statements from Shell/Citibank. Without a statement the purchase went unpaid. I believe that each month Citibank thought I was receiving statements and ignoring them so they added late charges until they closed the account and sent it to collections. Also, they notified the credit reporting agencies, showing a charge off on my report. I discovered all of this when I applied for a credit offer from a retail store. Prior to this point I did receive a letter from the collection agency indicating the charge off from my Shell account. Believing that I had a XXXX balance, I logged into my Shell account on-line and it shows no balance owed. I hought the letter was a fraud scheme. I can still log into the account. I discovered that I am logging into the old account number?? 
The action I have taken : Called the Citibank service center and asked to discuss my bill with the representative, who claimed she could not see the account since it was closed. She told me she would send the statements and I should try to figure out what happened. Really? 
Month later, received statements and discovered the aforementioned information so I called the Citibank service center again to discuss the issue. I was told this time that I would have to write a letter to the CBR Dispute Dept. of Citibank. 
Wrote letter to CBR Dispute Dept. outlining the details and asking for a representative to contact me with a resolution. They have not contacted me after sending additional faxes requesting any type of contact at all. 
After a month of no contact I emailed a letter to the CEO of Shell and the CEO of Citibank detailing the issue and begging for a representative from either company to contact me. 

I am a XXXX retired XXXX XXXX that takes pride in having a pristine credit report and have never paid a bill late. Please help me!
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I am disputing the inaccurate reporting of an XXXX account by the credit bureaus. Despite re-investigations, the bureaus continue to verify the account as accurate, even thought it was transferred and sold to a collection agency. The last updates were reported as follow : XXXX and XXXX XX/XX/year>, and Equifax on XX/XX/year>. I believe this reporting does not comply with the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-08-27
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. (LA)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2015-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX is reporting incorrect information for XXXX accounts on my credit report. I have attempted to contact them directly on XXXX separate occasions and they refuse to correct it. They are incorrectly reporting the date of first delinquency for both accounts as XX/XX/XXXX. I have contacted the original creditor ( XXXX XXXX XXXX XXXX ) and verified that they date of XXXX delinquency for both accounts is XX/XX/XXXX. I have also requested that XXXX, XXXX and Transunion correct they information but they have not. The XXXX XXXX account numbers are XXXX ... and XXXX ... The Original creditor is XXXX XXXX XXXX XXXX and the account numbers are XXXX ... and XXXX ... As you can clearly say on my credit reports, XXXX XXXX is reporting the correct date of first delinquency but XXXX is not. At this point I want all the XXXX XXXX accounts removed from my credit reports.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2015-05-20
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION (NY)

I was essentially extorted by M & T bank into obtaining a mortgage through them. Due to a report filed with XXXX by M & T Bank in XX/XX/XXXX, I was banned from opening a First Time Home Club savings account with any bank other M & T bank. The charge that was reported to XXXX was grossly inflated due to what I feel were inappropriate NSF charges. Even though I did n't think the report was fair, I did pay the amount owed to M & T, in full, less than one year after it was report to XXXX. Around XXXX XXXX and XXXX XXXX, I attempted to open a First Time Home Club account with XXXX & XXXX XXXX XXXX XXXX, but both were declined due to M & T 's XX/XX/XXXX XXXX report. After being declined by other banks, my housing counselor advised me to speak with M & T to see if they could withdraw the XXXX report. I contacted M & T at a branch to inquire about them withdrawing the XXXX report, but was informed that they could n't do that. However, they told me, I could open the First Time Home Club account with them. It seems preposterous that a company can report someone for a delinquent account ( which I believe was not legitimately delinquent ) & then force that same person to use only that bank. It seems to me that the system is designed ( at least in this instance ) to ensure that a consumer has no choice but to select a certain bank. To make matters worse, after successfully completing the First Time Home Club program and receiving the mortgage, and without informing me, M & T switched our First Time Home Club account to a different type of account that charges a monthly fee of {$7.00}. I believe it is the practice of M & T to do this to others in the First Time Home Club program. The account was charged the {$7.00} fee each month until the balance went negative, then it was written off by M & T -- all without ever disclosing the fees or sending me a statement. Upon completing the First Time Home Club program, I told M & T of our new address ( as was required in order to take funds from that account ) but M & T never updated the address for the account. Interestingly, they did have the correct address for our mortgage account. When I inquired about this with M & T they told me it was my fault for not changing the address and that I can not obtain the funds I had remaining in my account before the fees were charged and the account was written off ( they refused to confirm whether this account was also report to XXXX, but implied it was not ). They also provided me with several old statements and told me a fee was only charged XXXX times, but upon reviewing the statements I discovered at least XXXX as many fees as they claimed. At best, switching First Time Home Club accounts to fee bearing accounts without disclosing such a change is deceptive business practice. It is also not plausible that they did not have my current address because they acknowledged having it for the mortgage which was obtained as a result of that particular savings account.
Consumer complaint received 2015-05-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

I was in the process of a loan modification and Well Fargoclaimed that I had a lien on my property in the amount of {$18000.00}. I completed the trial modification. 
I went back and forth with them and told themthe lien is against another person with the same name. 
I provided my own title work which proved the lien wasnot on my property. I contacted them several times and wastold someone would reach out to me but only after theydenied the modification due to a time lapse was I able toreach someone. I provided them with the attorney 's nameand telephone number who filed the lien. They are horriblewith follow-up and may cause me to lose my home becauseof lack of service and the lack of follow up on the informationI provided to them and that is readily available to themthrough other sources.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-31
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. (MO)

I am disputing inaccurate information reported by XXXX XXXX  on my credit reports from XXXX, Experian, and XXXX. Despite my previous dispute, the information remains incorrect. According to the Fair Credit Reporting Act ( FCRA ), the information must be accurate and verifiable. I request the deletion of the inaccurate information due to the following discrepancies : Account Number : XXXX and XXXX report : XXXX Experian reports : XXXX Date Opened : XXXX reports XXXX XX/XX/XXXX Experian and XXXX report XXXX XX/XX/XXXX High Credit : XXXX reports XXXX {$980.00} Experian reports : {$0.00} XXXX reports XXXX {$960.00} Credit Limit : XXXX and Experian report XXXX {$500.00} XXXX reports XXXX {$0.00} Last Reported Date : XXXX and Experian report XXXX XX/XX/XXXX XXXX reports XXXX XX/XX/XXXX Date Last Active : XXXX reports XXXX XX/XX/XXXX Experian reports : XX/XX/XXXX XXXX reports XXXX XX/XX/XXXX Date of Last Payment : XXXX and Experian report XXXX XX/XX/XXXX XXXX reports XXXX XX/XX/XXXXXXXX XXXX  Payment History : Experian shows consistent " CO '' ( Charge Off ) status for XXXX, whereas XXXX shows multiple " OK '' statuses during the same period. 

Despite my previous dispute, I still disagree with the accuracy of this information. These discrepancies violate FCRA Section XXXX ( XXXX XXXX XXXX XXXX ). I request the CFPB 's assistance in ensuring these inaccuracies are corrected or deleted from my credit reports with XXXX, Experian, and XXXX.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (VA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''