davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-09-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to file a formal complaint against Bank of America regarding a misleading interest rate offer for which I was deemed ineligible after being initially informed otherwise. 

On XX/XX/year>, I visited a Bank of America branch and was advised that I would qualify for a savings account with an interest rate of approximately XXXX %. Based on this information, I decided to deposit my funds into the account. A few months later, I was informed that I no longer qualify for the XXXX  % interest rate due to a stipulation that was not made clear to me at the time of the deposit. Specifically, I was told that because my funds were previously held in a Bank of America account, I was ineligible for the promotional rate.

I believe this situation reflects a failure by Bank of America to provide transparent and accurate information about the account terms. As a customer, I trusted the banks guidance and made my deposit based on the assurance that I would receive the XXXX  % interest rate. However, the lack of clear communication regarding the eligibility criteria has caused significant financial harm and inconvenience. 

I am seeking the following : 1. Reinstatement of the XXXX  % interest rate as originally promised, and 2. A clear explanation of why I was misinformed and a resolution that compensates for the misleading information provided to me. 

Please review my complaint and assist in resolving this matter. I have attached all relevant documentation, including my communications with Bank of America and any account statements or promotional materials.
Consumer complaint received 2024-09-06
Product: Credit reporting 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: Experian Information Solutions Inc. (NY)

I AM UNABLE TO GET MY REPORT FROM THE CREDIT REPORTING AGENCIES. PLEASE TO UPDATE MY ADDRESS AND ENSURE THAT MY NAME IS AS LISTED ON MY IDENTIFICATION CARD AND REMOVE ALL OTHER VERSIONS OF MY NAME AND ADDRESSES THAT DOES NOT BELONG TO ME MY ADDRESS IS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear CFBP, I am writing to file a complaint against Bank of America regarding their recent practices of holding my monthly paycheck and causing undue financial hardship. 

As a loyal customer for 12 years, I had no issues with Bank of America for the first 10 years. However, following a security breach, the bank advised me to open a new account. Since then, they have repeatedly placed holds on my paycheck deposits. 

Initially, Bank of America claimed that the holds were due to my status as a " new customer. '' After XXXX months, they attributed the holds to federal regulations for larger deposit amounts. Despite their assurances that the holds would cease once they verified the legitimacy of the funds, the issue persisted intermittently. 

Bank of America has provided inconsistent explanations for the holds, ranging from federal regulations to the need to verify the funds ' legitimacy. However, the sending bank has confirmed that Bank of America receives the funds the day after I deposit my check, and I have records to support this. 

Currently, Bank of America has denied several of my transactions due to insufficient funds, even though they have held the deposited funds since the XXXX  of this month. This has resulted in the accumulation of insufficient funds transaction fees. 

I request your assistance in determining the validity of Bank of America 's claims and any available recourse to ensure timely access to my deposited funds. The recurring holds and inconsistent explanations have caused significant financial strain and inconvenience. 

Thank you for your attention to this matter. I look forward to your response and resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I am filing a complaint regarding incorrect personal information being reported on my credit report. The inaccurate details are affecting my ability to obtain credit and are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, which requires that credit reporting agencies maintain accurate and up-to-date information. 

Despite my previous attempts to correct this, the errors persist, causing ongoing harm to my creditworthiness. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that the credit reporting agencies correct the inaccurate information on my credit report.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (MI)

In accordance with the fair credit reporting act Affirm .has violated my rights under 15usc.1681 section 602 states I have the right to privacy under 15usc.1681section 604A section 2 it also states a consumer reporting agency can not Furnish an account without my written instructions. Under 15usc1666b A creditor may not treat A payment on the credit card account Under an open consumer credit plan as late for any purpose. Paid as agreed XXXX. 
Exclusions.-Except as provided in paragraph, the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NC)

XXXX XXXX id : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX hours ago ) My name is XXXX XXXX XXXX age XXXX with an XXXX credit score and I am appealing the Citibank decision to charge me for the XXXX XXXX XXXX XXXX purchase on XX/XX/year>. I notified Citibank immediately upon learning a charge was made using my card the next day on XX/XX/year>, telling them that I hadn't ordered it and that the charge was fraudulent. 

I explained and provided my proof of purchase from XXXX XXXX using my card XXXX XXXX XXXX for my purchase of XXXX on XX/XX/year> more than a month before the charge on the XX/XX/year> date in question. 

The Citibank XXXX card has been locked by me so no other fraud charges can occur while this is being handled. I notified Citibank and XXXX immediately that it was fraud and they are still saying I have to pay XXXX. The only way I can prove my innocence according to Citibank is to show proof of purchase using another credit card to make the XXXX purchase, which I did for the XX/XX/XXXX purchase of the XXXX which was mailed to me, but I can not provide proof of purchase as requested by Citibank for the XX/XX/XXXX charge of XXXX since that transaction was made by an unknown fraudulent person. 

The only place I used the card was at XXXX during XXXX, XXXX, and to pay for the XXXX install on XX/XX/XXXX at Best Buy in XXXX NC, not at XXXX XXXX on XX/XX/year>. 

Will you please help me correct this fraudulent use of my credit card? 



XXXX XXXX XXXX
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NJ)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-09-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (PA)

Upon closing on my home, my loan was serviced by XXXX XXXX XXXX. It was set up that my homeowners insurance would be paid out of my escrow. Within 2 weeks, I received a letter stating that Newrez was going to be taking over my loan and that nothing was needed from me, everything would remain the same. My initial policy was paid via my escrow. On XX/XX/year>, I received a text from my insurance agent stating that my homeowners premium was not paid yet, despite being overdue. I called Newrez on XX/XX/year> and was told that the homeowners insurance was no longer paid from escrow. I asked the agent why and she could not give me an explanation. She advised that I sent a written request stating I wanted my homeowners insurance to be paid via escrow, along with the premium bill so that it could be reviewed and paid. That same day, I sent the requested documents via fax AND uploaded in my online portal. On XX/XX/year>, I received an email from XXXX that my insurance premium was still not paid and it must be paid by XX/XX/year> to avoid cancellation. I called Newrez twice on XX/XX/year> and STILL have yet to receive any information or help. I now am left with 5 days to come up with over {$1000.00} to avoid my policy being cancelled. I still have no answers as to why this happened and no answers as to why my many message requests have been left unanswered. I have called twice today just to get the run around and told to call another department for assistance. Newrez has been absolutely terrible in communication and timely payments.
Consumer complaint received 2024-09-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/XXXX, I placed an order with Amazon, Order # XXXX in which I ordered XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX up to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ). 

Both were to be shipped and received by me on XX/XX/XXXX. I received XXXX of these monitors on this date but the second one was lost in transit. Amazon refuses to replace the lost monitor and ship the new monitor in a timely manner. Instead they told me to wait until XX/XX/XXXX to see if the lost monitor arrives. This is totally unacceptable. 

This monitors were purchased on a load agreement through Amazon 's website with Synchrony, and I was charged a total of {$470.00} plus an additional {$52.00} in interest of which my first payment is due on the XXXX, yet I do not have both products I purchased. I DO NOT WANT A REFUND as I do not what to then have to repurchase the item again, through another loan request and it will ding my credit again and drop my score. 

Amazon, needs to replace the lost monitor immediately.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (FL)

CBNA XX/XX/year> XXXX XXXX XXXX XXXX XXXX, FL XXXX This is an unauthorized inquiry. I was previously a victim of identity theft, and I have not authorize this inquiry.
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : XXXX XXXX XXXX Account number XXXX Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXXXXXX ) & ( XXXX XXXX XXXX  XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$XXXX} per violation. My attorney who specializes in suing debt XXXX will be on standby waiting for my instructions.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-03
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. (VA)

Account # XXXX I challenged the accuracy, compliance and reportability of this listing. Please validate and have them provide method of validation on this information from XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. This has account has been updated with activity and this is a closed collection account. The term duration on account as states 1 month which inaccurate. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].
Consumer complaint received 2023-07-03
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXXXXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXXXXXX, OH XXXX ; XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX Balance : {$900.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX XXXXBalance : {$2100.00} ; XXXX XXXX  Bankruptcy : Discharged Date XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$800.00} ; XXXX XXXXXXXX Balance : {$430.00} ; XXXX XXXX XXXXXXXX Balance : {$190.00} ; XXXX XXXX Balance : {$910.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX  Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$140.00}.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Regardless of the multiple written requests, the public record listed below is still reporting on my credit report which is a violation of FCRA. The Experian failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( EXPERIAN ), they are willful negligent and non-complying with federal statutes : XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XXXX XXXX
Consumer complaint received 2024-09-10
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: VEROS CREDIT, LLC. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-09-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (CA)

Company states that I have an account with a balance and that I need to pay the balance. 
I do not own that account with the balance, nor did I place an order or receive a package with the balance due of {$XXXX} dollars. I contacted the collector letting them know that that debt didnt belong to me but they insist its mine. They have my name and phone number that is accurate but I have never received nor have I ever purchased from way fair. It states that the collection date was opened XX/XX/year>. I submitted disputes for this collection on the XXXX website and the collector states that they have nothing on their end. The collector even admitted on a recorded line that their website doesnt work and glitches when submitting claims. Which is unfair to the consumer.
Consumer complaint received 2024-09-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc. (TN)

I am writing to bring to your attention a matter of grave concern. It has come to my notice that there is a debt collection against my name for a vehicle purchased from XXXX, which I would like to clarify is not my debt. The alleged debt arose from a purchase made by my ex-husband who fraudulently used my identity to obtain the vehicle. 

I have previously informed XXXX multiple times that this debt does not pertain to me as my ex-husband was the XXXX responsible for the purchase and subsequent payment arrangements. Moreover, during the unprecedented times brought about by the XXXX pandemic, my ex-husband was misled into believing that his payment obligations would be deferred for XXXX months, leading to further confusion regarding the status of this debt. 

I want to emphasize that the debt in question has already been paid in full by my ex-husband, and therefore, it is unjust and incorrect for it to be associated with my name. I urge you to investigate this matter promptly and take necessary actions to rectify the mistake, as it is causing unwarranted stress and inconvenience on my part. 

I trust that you will address this issue with the seriousness it deserves and provide me with a resolution at your earliest convenience. I appreciate your prompt attention to this matter and look forward to a swift and favorable response. 

Thank you for your understanding.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

Not only I have received a Notice of Data Breach telling me that there has been a cyber incident and my personal information has been affected but also I have not given consent to all other agencies who have pulled my personal information.