davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Around XXXX XXXX, 2013, I checked my accounts with Bank of America like I have done every morning. I had a joint checking acct with my son who was in college in XXXX at the time. The normal acct balance has always been low, since I was only able to afford to send him low amounts of money at a time. This morning when I checked the account, the balance was - {$880000.00}. I was shocked. I checked the transactions and they claimed that {$1500.00} was deposited early that morning, but they were a bunch of deductions taken. There was also a purchase of items over {$600.00} at a Rite Aid. All this happened in New York between the hours of XXXX - XXXX. I live in XXXX  and my son attends school in XXXX. I called BOA immediately to report there was some fraud going on. They took my information and I asked them to check the ATM to see who the person was that made the deposit and withdrawals. They deposited fake Money order and took out real money. I do n't know how they were able to do this. I had n't even has so much as a bounced check with them. I found that it was fraud through my son. They first cleaned out my checking and savings accounts and left me {$20.00}. I called and asked why did they take my money when I was the one who called and reported it. They told me " well as least we left you {$20.00} for gas. '' I was shocked they did that so fast without even investigating. Well, shortly after I completed all the necessary paperwork, they quickly send me a letter saying they did not believe that we did n't have anything to do with this. I thought the fraud department was suppose to investigate this. They place this on my record with XXXX XXXX even though I had absolutely nothing to do with this. I am unable to open an account now, and I am being treated like I committed a crime. I am currently looking for my documents. To show my complaint.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting 15 U.S. Code 1681c ( a ) ( 5 ) - Requirements relating to information contained in consumer reports 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) Responsibilities of furnishers of information to consumer reporting agencies 1681s2. Responsibilities of furnishers of information to consumer reporting agencies 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

SinceXX/XX/XXXX, I have attempted to get Experian to correct incorrect data relating to my name and addresses with varying success. I contacted Experian via mail and supplied evidence, a copy of my ID and utility bills. In XX/XX/XXXX, some of these corrections were made, but with errors ( See Experian Report XX/XX/XXXX ), which listed among other things, only my apartment number and city ( only ) as my address omitting the street name. I followed up with a request in XX/XX/XXXX ( see enclosed ) which resulted in previously investigated and deleted information to return, and an incorrect spelling of my name to reappear. It seems that I am back where I started, and Experian is not properly correcting and reporting previously investigated items.
I am asking for the CFPB for assistance to have these errors corrected by Experian. The information listed is not correct historical data and strangely was previously investigated by Experian and determined to be inaccurate and deleted. This came back!
Consumer complaint received 2017-08-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CIBC BANK USA (IL)

A request for information under 12 CFR SECTION 1024.36 was made to The PrivateBank and Trust.This QWR is part of Regulation X of the Mortgaging Service Act under RESPA.The following information was requested in regards to the property in question : 1.Copies of every mortgage and Promissory Note since XXXX. 2.Copies of every Change in TERMS AGREEMENT since XXXX. Respondents reply was incomplete and inaccurate. This letter and other relevant information will be attached to this complaint.
Consumer complaint received 2023-04-15
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

I contacted XXXX XXXX XXXX on XX/XX/XXXX at XXXX to inquire about an account that was closed XX/XX/XXXXXXXX I spoke to XXXX rep with XXXX XXXX XXXX  and he stated after the account was closed and charged off XX/XX/XXXX he then stated the company was charging the account {$30.00} for 8 months after the account was closed. he then transferred me to a senior account manager by the name of XXXX. She repeated the same think XXXX stated I corrected her and said Im seeing a {$39.00} late charge on this account and was charged for 8 months after the company closed the account and charge the account off XX/XX/XXXX on the call with mark i did inform him I was recording the call also since his company was recording the call. I informed him it is a against the FCRA to charge clients on a closed account. XXXX transferred me to another Senior account manager name XXXX. XXXX hung up when the call started she did not inform me the call was being recorded. I did inform her I was recording thats when she tried to say the call was being recorded and said I dont agree to you recording my call. She hung up saying i do not agree to being recorded. I advised her its against Consumer Law to charge late fees to a closed account. They refuse to validate the account. This company is reporting inaccurate information on my credit file.
Consumer complaint received 2017-08-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc. (VA)

My issue is with the current servicer of my mortgage loan, FCI Lender Services. They are ignoring my requests for information and assistance and also do not appear to be licensed to do business in the state of Virginia. My now XXXX husband XXXX and I bought our home back in XXXX. We endured many struggles due to his health issues. Even when he was unable to work and bed ridden and I was out of work caring for him full time we kept up with our mortgage payment. After he XXXX in XXXX I had to use the remaining savings to keep up with bills and handle his affairs and funeral costs. I began struggling financially and started trying to get back to work but it took some time. I thought I would be OK because I had been led to believe I would be receiving survivor benefits but after going through the process found that I was too young to receive this. I ended up falling behind on my mortgage payments. I eventually was able to get a job working as a XXXX ( have worked in this field for 40 years ) but was behind on the loan. I tried to get my loan modified but had issues because the loan got transferred multiple times. I was eventually told that my loan could not be modified because the loan and title were not in my name. I went to court and I was established as the executor of the estate and got all of the paperwork that established that I was the rightful owner of the home. I was then able to engage with the servicer at that time XXXX XXXX XXXX and thought I was making progress toward a modification when the loan was transferred to FCI Lender Services. No one at FCI has been willing to give me the time of day or consider me for any modification options. They have not looked at my current financial information and have not assigned an account manager to work with me to discuss options to resolve my delinquency and modify my loan. I just want to save my home, I work full time as a XXXX and my daughter is living with me and contributing towards bills and the mortgage payment and is going to be staying indefinitely. We can make this work, if FCI would work with me.
Consumer complaint received 2017-08-22
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. (TX)

My name is XXXX XXXX. My social security number is XXXX, I have disputed XXXX items on the following credit reports : XXXX, Equifax and XXXX. XXXXwo of the five were deleted. XXXX XXXX account number XXXX, XXXX account number XXXX, and XXXX XXXX account number XXXX remained. Since XXXX of 2017, I have repeatedly contacted the aforementioned companies and asked for proof that these accounts belonged to me. Neither of these companies provided me with evidence these accounts belonged to me or how they determined these were indeed my accounts. After not receiving proof that these accounts belonged to me I requested that the erroneous entries be deleted. Neither of these credit bureaus deleted these derogatory entries. Furthermore they never stated how these references were verified. I can only conclude that these credit bureaus are refusing to obey the Fair Credit Reporting Act, which states that all entries must be accurate and verifiable. If I ever signed a retail contract with these subscribers, copies should be provided as proof.
Consumer complaint received 2015-10-21
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK (CA)

I received a call from a company that would n't identify themselves and immediately started recording the call. I asked who it was, and they would n't say and started asking who I was. I told them I would n't say unless they identified themselves. It went back and forth like that several times until they finally identified themselves as XXXX Business Card. They were recording this entire time. 

It turned out I had missed a payment. 

My complaint is that when calls like this are made, they need to ( 1 ) identify themselves immediately and ( 2 ) ask permission before they start recording. Neither happened. If this is not a requirement, it should be. 

I am also now concerned that XXXX has flagged my account as a collection problem or as an uncooperative customer. 

In a world where people are increasingly getting scammed by callers who are insistent or downright bullying, there is plenty of reason to not trust someone who calls and exhibits these same behaviors. And it most definitely should be prohibited for any credit card company to use these tactics, which puts them in the same league as phone and online criminals.
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (MD)

I discovered that some of the information on my credit report was incorrect and misleading when I reviewed it. The 3 credit bureaus need to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2017-08-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (CA)

Approximately 6 years ago, I was going through a divorce after being a XXXX for 16 years. Having XXXX children in college and desperately needing money, I accepted a credit card from Wells Fargo. Sadly, I used to pay bills which led to me reaching my max amount very quickly. Everything was fine until I missed a payment and my minimum amount was increased to a point where I could n't afford to pay it anymore. I tried calling to make different payment arrangements and was told " use your tax refund to pay us ''. I have struggled so much financially and emotionally over the past several years and they only made everything worst. Now they sued me, put a lien on my house, and are garnishing my wages even when I do n't even make enough to pay my bills. I feel Wells Fargo targets people like me who are vulnerable and desperate. They knew I no income and still issued me a card knowing that owned a home. They took advantage of my situation based on the information they have about the equity in my house ( they are my mortgage company. I hold my self responsible, but I also want something to be done to prevent other people from going through suffering an experience like this. Wells Fargo should not issue credits cards to people who are not employed knowing that they can after their property.
Consumer complaint received 2017-06-07
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. (IL)

I have contacte d Trans Union with two letters, whic h first was mailed  XXXX   XXXX ,  2017  and second  one  on  XXXX   XXXX ,  2017  requesting Identity Theft Block in accordance with Sectio n 605B of the  FCRA and they clearly are refusing to block all the information I sent them by mail twice, with  USPS Certified  Mail with Return Receipt. They sent me a letter stating the declined due to either : a ) Been made in error, b ) is a misrepresentation of material fact relevant to the request to block. I have no idea what they mean in ( b ), but this definitely is not an error. I am a victim of identity theft and do n't understand what this is about. I want these block with accordance to Section 605B of the FCRA.    Trans Union is clear ly violating my FCRA rights. I am uploading both letters I mailed them and the return receipts.
Consumer complaint received 2023-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Asset Agency, Inc. (TX)

On XX/XX/XXXX, I received a " Credit Alert '' from the XXXX companies I use to monitor my credit file. On XX/XX/XXXX, the information below apparently was posted to my credit file. The company is GLOBAL ASSET AGENCY in XXXX, AZ ( probably a shell company, since the address shown below DOES NOT match their " principal office '' address - or any other of their addresses, for that matter )! Side note : I was unfortunate enough to be part of the XXXX database hack. I was notified recently by XXXX of this fact. The hackers got EVERYTHING. ALL of my personal information. And now it just so happens this happens to me. A coincidence? I think not! 
I have been monitoring my credit file for XXXX years, and I've never heard of them. My Internet research shows they have an " XXXX '' rating with the XXXX XXXX XXXX, as well as this : " XX/XX/XXXX GLOBAL ASSET AGENCY, INC. is an Arizona **Foreign** For-Profit ( Business ) Corporation filed on XX/XX/XXXX ''. Reviewing the top three most recent XXXX XXXX XXXX complaints against them, all three complaints are within the last XXXX months, and all basically say the same thing : this company is fraudulent! The minimal research I have done already shows this company does not respond to email, letters, or phone calls. I would appreciate your help. Thank you. 

Additional Info Details SourceXXXX  Alert XXXX Balance Amount {$2300.00} Is CollectionYES Open XXXX Payment XXXX XXXX XXXX ( COLLECTIONS ) Status XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-12
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: Nelnet, Inc. (VA)

nelnetXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX department of public utilities  XXXX XXXX XXXX  *These corporations listed above have been placed on reports fraudently..please remove and recoup all securities though my TDA account*
Consumer complaint received 2023-04-12
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. (IA)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, USDOEXXXX Account number : XXXX XXXX Account number : XXXX USDOE/XXXX  Account number : XXXX USDOE/XXXX  Account number : XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I disputed a XXXX account that is showing on my credit report. after disputing with the collections agency they informed me that they have ceased collection and has notified the credit bureau. well the credit bureau is still reporting this unverified/ unproven negative account on my credit report.
Consumer complaint received 2017-08-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (TX)

On XX/XX/XXXX I had my credit pulled for a mortgage. I was informed that my credit score was low because I have an outstanding collection account with Diversified Consultants. They reported the account on my credit on XX/XX/XXXXand the account was opened in XX/XX/XXXX.
In those 3 months, I never received a phone call or a mailing from Diversified Consultants stating that I had an account with them.
Consumer complaint received 2017-08-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: M.L. Zager P.C. (NY)

I originally owed {$1200.00} from a medical debt to XXXX county family services from XX/XX/XXXX. M.L Zager placed a judgement against me in XX/XX/XXXX. I had a fair hearing XXXX re : this matter. The decision from that fair hearing was the administrative law judge was with out subject matter jurisdiction to review the merits of the agencies determination to seek recovery of alleged overpayments, to me this means there was not enough evidence to state The alleged overpayment existed. I have been trying to have ML Zager review this document to addressthe alleged debt. I spoke to XXXX XXXX who is the debt collector for this firm and he refuses to review the information. I even went as far as having the deputy commissioner of XXXX county department of social services contact Them to remove the debt and apparently they told him there was nothing they could do because wage garnishment steps have already been taken. And on top of everything else the debt from XXXX has almost doubled due to fees from ML Zager. I also tried contacting XXXX XXXX to attempt to settle this debt with no effect whatsoever I was told since wage garnishment was sent into action there is nothing he would do for me. I would like to know why they are being so unfair. Just like everyone else I 've had debts before and every debt collector is willing to negotiate to settle a account.I was told by the deputy commissioner of XXXX county that they do not deal with ML Zager any longer because of their cruel and unfair tactics