davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

This is an additional complaint in regards to my original complaint # XXXX submitted on XX/XX/23. 

The bank had initially taken out double the amount of money from my checking account to pay my credit card account then refused to refund me in a timely manner ( see original complaint XXXX ). After I filed this complaint with you, a few days later they finally replaced the original amount of overpayment to my checking account, although they did not pay me the additional fees that I am still filing for, which are fees for my time having to be on the phone with them for over FIVE hours to fix this, as well as any overdraft and late payment fees they would have charged me had the shoes been on the other foot. 

NOW, Friday XX/XX/XXXX, they finally contact me by leaving a voicemail this morning from their " Protection Department '', saying that they are ( just now ) responding to them accidentally taking out the extra money from my checking account. So, their action that they have taken is that they have placed a restriction on my checking account! So, now I can't access any of my money in my checking account! 

I called them back at the same department as soon as I could, but a different person who answered said that they can't help me and transferred me to their Regulatory Complaint department ( the department who is handling my complaint I filed with you ). I got her voicemail and left a message. 

This person from the regulatory complaint department just called me at XXXX ( my time, XXXX ) and left me a voicemail. I tried to call her right back, but it turns out she only works until XXXX XXXX ( my time XXXX ) so her phone was already automatically directed to her voicemail. She won't be back in until Monday, so now I am cut off from accessing any of my money in my checking account for 3 days until I can get this fixed on Monday! 

This is downright harassment for me filing a complaint with you. There was absolutely no reason for them to put a temporary restriction on my account. They did not overpay me any money from their initial error. Now they're saying that I can't access my own money until I contact them, 3 days from now??? 

I'd like to amend my initial # XXXX complaint 's restitution demands and add additional fees for them preventing me from accessing my own money for XXXX days, and charge them interest fees for the amount of time it takes for me to regain access to my money, as well as a {$150.00} harassment charge per day that they do not remove any restrictions from my account. 

Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2016-09-30
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My complaint, ( TransUnion ) What they say & what they do. 
Unfair credit scoring. No reason on reduce scoring point. 
Report wrong information to companies. Report of public record to XXXX, when I have NO XXXX Record on my file. Keep collection record on my file that are PAID OFF + interest. 
creditor requested, All References be Remove from my record. This MATTER & my Personal information has LONG HISTORY from ( 2013 to present.
Consumer complaint received 2023-05-12
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. (CO)

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. 


Account name XXXX XXXX  Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX  Account NumberXXXX Account name : XXXX XXXX Account Number:XXXX Account name : XXXX XXXX Account NumberXXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-03-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (MD)

We are in the process of trying to short-sell our home. The bank has just requested that I provide them with the following information : PROPERTY INFO : - Copy of MLS - Property Condition : Good/Average/Fair/Poor - Current Marketing Condition : Stable/Declining/Improving - Repairs Needed? : Yes/No ( if repairs are needed, need description of repairs ) - Property Photos : Front of Property, Rear of Property, Close up of Address , Street View Left , Street View Right MARKETING INFO : - Positive Comments regarding property - Negative Comments regarding property - Number of Showings from your office - Number of Showings from other office - Number of Offers Received - Reduced List Price? Yes/No - Suggested List Price - Any additional comments? 
- 3 Current Comps - 3 Recently Sold Comp - Marketing Trend : Improving/Static/Declining ( provide reasoning for trend selected ) - Problems marketing? 

I do n't feel that the bank has the authority to require that our agent disclose a marketing strategy, disclose all offers, provide feedback, etc. This is asking our agent to provide information we are not comfortable sharing, as our agent is not the bank 's agent, he is the sellers agent. The bank has implied, through the negotiating firm, that any short sale would be denied if this information is not provided to them.
Consumer complaint received 2023-05-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I called multiple times and I was advised by your representatives to submit my disputes via letters. I've been sending you guys letters for the past 7 months and no one helped me or even deleted anything from my report. This is ridiculous I can't take this anymore. I want to buy a house and this is holding me back from doing so. Therefore if these accounts are not deleted within 30 days I will take legal actions and file a law suit if needed. Credit reporting rules require that every effort be made to guarantee that the information disclosed is entirely accurate and correct. Only 100 % accurate credit information may be reported by agencies. This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded.
Consumer complaint received 2023-05-12
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. (CO)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX  Delete this account.

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX  Delete this account.

Please remove it from my credit report.

Oh by the way I hope you understand that the FCRA states in the section below 15 U.S. Code 1681c2 Block of information resulting from identity theft A ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items bearing my signature, as I believe none exists. When you find no signed agreement bearing my signature, I need you to remove these items from my file.

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these items, I will be referring this matter to my attorney for further action. Please do not make this a litigious matter...

Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to E-OSCAR or any means of automated verification. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-05-12
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: Experian Information Solutions Inc. (NC)

To Whom It XXXX Concern, I am writing to dispute the recent dispute results regarding the XXXX XXXX XXXX  ( Installment ) account that is reported on my credit report. Simply stating the account information is accurate and updating the account in the areas where I pointed out discrepancies does not verify that the account is accurate. I have tried on numerous occasions to have this ford account deleted. In the attached letter you will clearly see that this account was charged off and sold to a debt collection agency which is in the letter. You will also see the negligence of payment balance reporting of this account as well. The last payment for this account is showing as XX/XX/XXXX according to your records. From XXXX XXXX XXXX the account payment history shows as ND No Data which clearly shows and proves erroneous reporting. The attached letter shows the outstanding balance from the debt collector as {$4500.00} but the balance being reported to the bureau {$4500.00}. This clearly shows negligence and false report which is illegal. Also, this account has been charged off since XX/XX/XXXX with a balance of {$3500.00}. Even after going to court and the balance changing to {$4200.00} on XX/XX/XXXX, this charged off accounts balance should not continuously keep increasing which again shows negligence in reporting. I want this XXXX XXXX XXXX account deleted from my credit history report immediately. False reporting is illegal and for the bureaus to stand behind these illegal activities makes them just as guilty. If this account is not deleted, I will seek legal action against Experian, XXXX, XXXX, and XXXX XXXX XXXX for negligence and false reporting. Please provide me with an updated copy of my credit report once the investigation is complete.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

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

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-12
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. (NC)

To Whom It May Concern, I am writing to dispute the recent dispute results regarding the XXXX XXXX XXXX  XXXX Installment ) account that is reported on my credit report. Simply stating the account information is accurate and updating the account in the areas where I pointed out discrepancies does not verify that the account is accurate. I have tried on numerous occasions to have this ford account deleted. In the attached letter you will clearly see that this account was charged off and sold to a debt collection agency which is in the letter. You will also see the negligence of payment balance reporting of this account as well. The last payment for this account is showing as XX/XX/XXXX according to your records. From XXXX XXXX XXXX the account payment history shows as ND No Data which clearly shows and proves erroneous reporting. The attached letter shows the outstanding balance from the debt collector as {$4500.00} but the balance being reported to the bureau {$4500.00}. This clearly shows negligence and false report which is illegal. Also, this account has been charged off since XX/XX/XXXX with a balance of {$3500.00}. Even after going to court and the balance changing to {$4200.00} on XX/XX/XXXX, this charged off accounts balance should not continuously keep increasing which again shows negligence in reporting. I want this XXXX XXXX XXXX account deleted from my credit history report immediately. False reporting is illegal and for the bureaus to stand behind these illegal activities makes them just as guilty. If this account is not deleted, I will seek legal action against XXXX, TransUnion, XXXX, and XXXX XXXX XXXX for negligence and false reporting. Please provide me with an updated copy of my credit report once the investigation is complete.
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

A credit card from Bank of America was opened in my name on XXXX XXXX. I received the card in the mail and due to the credit check to open the card, my credit score dropped as well. I also am concerned about whoever did this, doing it again. I called bank of america and they cancelled the card and told me not to worry. I am worried this was step one by someone to steal my identity.
Consumer complaint received 2017-03-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

On XX/XX/2017 I sent a request for mortgage assistance to the servicing company to my mortgage loan. The reason my loan became delinquent was because the monthly payment the lender offer were much higher than promised. I have applied for loan modifications several times but always get denied due to inconsistent reasons. I was recently advised by my loan 's servicing company that they are no longer taking any more documents to process a loan modification.
Consumer complaint received 2023-05-12
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-05-12
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. (GA)

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

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2017-03-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Acceptance Rentals, Inc. (GA)

I purchased furniture from XXXX using Acceptance Rentals as the leasing company. The furniture totaled approximately {$2400.00}, but without my knowledge or consent, a new lease account was added to my Equifax credit report by Acceptance Rentals showing a balance of {$5700.00} -- more than double the amount of the purchase price. I have paid approximately {$2000.00}, maybe more, for the furniture and realizing that I will pay more than double what the furniture is worth does n't seem fair, right, or legal.
Consumer complaint received 2023-05-12
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. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-05-12
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. (SC)

TransUnion IS IN CLEAR VIOLATION OF THE LAW. UNDER 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give you written instructions to furnish this in my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. REVERSE THE ABOVE LATE PAYMENTS ON MY CONSUMER REPORT, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with reversal of the above referenced late payment, and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of Identity Fraud XXXX. Fair Debt Collections Practices Act 15 USC 1692g violationsXXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Sent a single notice that my account would be closed via email. No paper communication, no continued communication. 

Closed a card that was in good standing for years. After contacting them less than a week later they refused to reopen the card. 

I will never be a Capital One customer again.