davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My mother passed away on XXXX. She kept her assets in the XXXX XXXX XXXX. Since her passing, I am the sole trustee to her trust. In early XXXX I provided Bank of America with a copy of the trust certification, the EIN provided by the IRS, as well as my indentification in person. They declined to grant me access to the account until I completed their own paperwork.

A week later their paperwork came by mail. I returned to Bank of America to complete their paperwork at the direction of one of their employees so that it was filled out correctly. Several days later I received an email stating the documentation was incorrect ( with no explanation of what exactly was incorrect ). I returned to the bank to again fill out the paperwork with a Bank of America employee. 

Several days later I received notification that I had been approved as the trustee on the account. However, when I logged in, the account showed that all funds were blocked. Many calls and bank visits later, Bank of America lifted the block and I could see the balance of the account - approx. $ XXXX. However, I was unable to access the funds. I again called in and was told I would need to return to a branch in person to access the funds. 

I returned to a physical branch and was told I would need to return another day because they could not reach the Estate Case Manager. I returned yet again the following day. After waiting on hold with their Estate Case Manager for over an hour, I was told that the block on the funds would be lifted in four business days.

At this point, I had grown quite tired of jumping through hoops for Bank of America and asked that they issue a cashier 's check to me for the funds and provided them with two forms of ID. They declined to allow me access to the funds yet again, stating that I would need to wait another four business days before I could access the funds.

All total I have visited their physical locations six times and spent hours of time on the phone trying to access money that I am legally entitled to. This process seems to have no end, and I believe they do not intend to ever release the funds to me. What Bank of America is doing is just plain wrong.
Consumer complaint received 2021-07-26
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. (ME)

2 collections were added to my account for medical accounts. After discussing this with the collection agency, they agreed that the accounts were supposed to have been paid off months earlier, but the payments were credited to the wrong account. They also told me they sent the information to Transunion to have these incorrect accounts deleted. After a week of no progress, I started a dispute with Transunion about these accounts and one of them was deleted and the other had a result of " meets FCRA regulations ''. That was clearly untrue as it was not accurate and the collection company themselves were trying to get it deleted. I then called the collection company again, and they sent another request to Transunion to delete. Today I started another dispute, for the same account. 
It seems clear that Transunion did NOT actually do an investigation and should be made financially responsible for providing inaccurate information and for having a complete disregard for the FCRA.
Consumer complaint received 2021-07-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (CA)

I agreed to co-sign a {$7000.00} student loan dated XXXX. Two loans dating XXXX ( {$15000.00} ) and XXXX XXXX {$11000.00} ) have since been added to the same account without my knowledge, permission or consent/signature. The two additional loans were not disclosed to me and I only found out when I went to refinance my home that they were in existence. Upon discovering the additional loans I contacted Sallie Mae and reported the loans as fraud filling out a police report in the process. Sallie Mae refused to remove me from the two additional loans stating that as I had signed for the first loan I was then committed as a co-signer to all future loans. This is deeply concerning as based on Sallie Maes logic they would hold me responsible for any future loans as well without disclosure or consent to the amount co-signed. As it does not have my signature I clearly did not approve these loans and therefore should not be held responsible as a co-signer for the additional {$15000.00} and {$11000.00} loans. Please see the contract attached.

In addition Sallie Mae has made no effort to work with the primary loan holder to refinance these loans. The primary has made several attempts to remove me as co-signer once I filled the fraud report.
Consumer complaint received 2021-07-26
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. (LA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (TX)

Needing to understand what information the service had after denying my historical pristine credit ( they have a XXXX score for me that I have never even been close to in my life ), I requested a report. There process is designed to prevent you from ever seeing the data. After ordering the report - which must be sent by mail - the mailed password provided to access my credit report - get this : On-line - was not valid or active. Attempts to reach the agency to determine why they sent an invalid pin are virtually impossible. The wait times are horrendous and they never answer your call, or disconnect you while you are in queue waiting. Its all designed with one intent - to make you give up.
Consumer complaint received 2021-07-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have submitted disputes several times to XXXX/Equifax and XXXX  and no one is responding ... There has to be some kind of law that helps us consumers out when we are submitting disputes to the credit bureaus. I want these items investigated and deleted from my credit report. Thank You, XXXX  XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX -UNVERFIED ACCOUNT- UNVERIFIED ACCUNT XXXX XXXX XXXX -NOT MY ACCOUNT XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX  XXXX XXXX XXXX XXXXXXXX - NOT MY ACCOUNT XXXX XXXX XXXX XXXXXXXX -NOT MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX XX/XX/1979
Consumer complaint received 2021-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX we were in our account checking what had cleared as we do most every day. We saw a pending wire transfer in the amount of {$47000.00}. We never enrolled in wire transfer and don't know the people. I immediately went to our branch and found out that someone had gone into our profile and changed the contact info which is why we had no prior notice. My personal banker told me she would check on this for me. I followed up with her and was told that i needed to come into the branch and fill out an affidavit that would be notarized by the bank. I did this an she uploaded this through there internal portal. I have been following up every few day and now, almost 3 weeks later the bank says they need more time. I believe that making a small business wait this long to get the money returned to the account is unreasonable and is an extreme hardship. I don't know what more i can do?
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, Proof of XXXX  with my most recent XXXX
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

The apartment community advertised a unit for move in during mid XXXX for a specified price. After applying for the unit i was told that the price advertised was incorrect and i could move in for an additional month after. I would not have applied if i had known the unit was not currently available as stated. This resulted in being charged an application fee and a hard inquiry on my report from XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-26
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. (PA)

I have disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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 instruction 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 the information Any other adverse item of information, other than records of conviction 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 2021-07-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (IL)

I found out about a judgment filed against me on this old credit card debt from 2011 that was purchased by XXXX XXXX XXXX. I called XXXX and they told me to call XXXX and XXXX, debt collection lawfirm that has case. I called there - he told me my debt was increasing at a 9 % rate - I don't know if it is daily, or what. A {$10000.00}. debt I couldn't pay is now {$16000.00}. I told them I could not pay. How much to settle? He said XXXX authorized {$12000.00}. Still insane. I called XXXX and she kept saying they could not help me. I said the lawfirm said XXXX set the settlement amount. When I said it was up to XXXX she finally agreed to give me to Legal at XXXX. There was no answer from either XXXX number. I called another day and still no answer. 
On XX/XX/XXXX I sent a letter to XXXX XXXX and a copy of that to XXXX and XXXX. I want the judgment released and the item cleared on my credit report. 
I assume XXXX bought the bad debt from Citibank for about {$.00} on the dollar, equaling {$1000.00}. I also received many harassing phone calls over the last few months, needing to block a number - 6-8 calls per day, sometimes within the same hour. I am waiting for a partial record of those calls from XXXX.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

On or about XX/XX/XXXX I applied for a mortgage only to be denied because my credit card issuer XXXX XXXX reported inaccurate information to my credit file as being over 30 days late when in fact it was never 30 days late. I contacted XXXX XXXX on XX/XX/XXXX and upon speaking with a representative she advised the account was not in fact 30 days late and NEVER been 30 days late. She immediately opened an internal investigation with the credit department as well as with the credit bureau case # XXXX. The representative advised to follow up on XX/XX/XXXX for an account status or a representative will contact us. To date we have not heard anything from XXXX XXXX. Now while I do understand things can get mistakenly inputted this was a significant hit on my credit file because of inaccurate information being reported. Further, pursuant to the Fair Credit Reporting Act only accurate information should be reported to my credit file and I promptly request this matter be investigated and removed.
Consumer complaint received 2024-09-04
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. (MD)

" 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 2021-07-26
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)

I have made several attempts with XXXX, Equifax, and XXXX  to have Identity theft accounts that are on my credit report fraudulently. i have filed a police report i have contacted creditors in order to get this rectified with no action.
Consumer complaint received 2021-07-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (VA)

XX/XX/2021 I was notified an escrow analysis was done on my property and due to an increase in taxes/insurance my monthly premium would increase even if I paid the additional funds. I am accustomed to the foregoing so fine. 

XX/XX/2021 I received yet another notice from Amerihome that another analysis was done and my monthly mortgage payment would increase AGAIN. 

i have lived at the same property address for 15 years and have NEVER had two escrow analysis in one year much less within 6 months of each other. When i called Amerihome they attempted to advise me it was an increase in my real estate taxes which were paid XX/XX/2021 through the mortgage servicer.
Consumer complaint received 2021-07-26
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: Adler Wallach & Associates, Inc. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-26
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. (WI)

My car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies.
Consumer complaint received 2021-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I've been trying to tell BoA that their online App is malfunctioning but every time I speak to them they are rude to me and won't help me. After I try to resolve the issues they just end up hanging up on me. The main issue is that no one is able to understand the problem and they keep transferring me around. The Credit Card department is the most unreasonable and rude people where if it's NOT a simple resolution they just disconnect the call. Unprofessional and very Frustrating to consumers. The problem is that when I selected 1 time frequency as my payment type but it keeps going every month. I never made it a " Reoccurring '' payment but it automatically does it on its own. This is a big problem and has cost me fees. I try to get help from them but they get frustrated with me and then just disconnect the call. This has been going on since XXXX XXXX of this year. I don't know what to do anymore but to contact this agency.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (OH)

I sent them certified letters numerous times asking them to correct the information but they refused. LVNV reported the same thing twice under different company names and XXXX XXXX incorrectly reported that I owe them money. I sent multiple letters to all companies.
Consumer complaint received 2021-07-26
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)

I Received a letter from XXXX advising that they " verified '' the information. i am curious as to how you verified information and would like to receive physical documentation to support this erroneous information. 
XXXX has been reporting Unverified and inaccurate information on my credit report which has damaged my credit. 
XXXX  is " updating '' or " verifying '' information again without diligence information. i sent 6 round letters still Hasn't seeing any changes while there's multiple errors on my report am asking for this verification because my credit score is important to me and i believe it is being unjustly degraded as a result of unfortunate error.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : EQUIFAX MORTGAGE SER-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX
Consumer complaint received 2021-07-26
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. (MD)

I have sent all three bureaus a certified letter asking them for verification for the items placed on my report. To this date I have not received verification of debt. Here are the items : 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
Consumer complaint received 2021-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.