davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Around XXXX I inherited a position at an organization. I was handed a stack of mail that said our BofA account was going to unclaimed property because the previous president of the organization was not responding to the bank to see if we still wanted out account. 

XX/XX/XXXX I met with XXXX XXXX at the XXXX XXXX. I visited a branch in person was told that I could not complete my transaction at the branch and that I needed to provide additional paperwork. She told me that she would forward me to XXXX XXXX who would be able to get my problem solved over the internet. ( It is important to note that I had everything that was required to move the other organizational accounts with XXXX XXXX  over to me. I have no idea why BofA was requiring extra steps. 

XX/XX/XXXX I get a packet from XXXX. I am told to go to a BofA and get my signature card notarized. I tried to make appointments at all of the branches close to me and could not get an appointment. There is no way to call and get an appointment and the online system says no appointments available in the next 2 months at any of the locations in the XXXX area. 

XXXX I walk into the XXXX XXXX XXXX. They tell me the only reason why no appointments are available is due to staffing issues, but XXXX XXXX will have a notary and make an appointment. I make the appointment, I put online to call me if there is no notary available, as I did not want to waste my time again. 

XXXX I go to XXXX XXXX at my appointed time. I get told to wait ... after about 10 minutes the business banker comes out to me and says that he knows he was supposed to call me.. but he didn't and they don't have a notary available. 

I just want access to my money. I am wondering how to get it! I do not believe that BofA has the ability to help me get access to my money. My time is very important to me. The least they could do is get a notary and schedule with me. The least they could have done is call me to let me know that they needed to reschedule my appointment.
Consumer complaint received 2023-08-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I wrote a letter about false information on my credit report and more than 45 days later I still havent heard anything back. I am writing to express my deep concern and frustration regarding the lack of response to my previous complaint about false information on my credit report. I initially submitted my complaint to your office on [ XXXX XXXX XXXX XXXX XXXX, outlining the inaccuracies in my credit report and my legitimate concerns about the potential mishandling of my personal information, especially in light of the TransUnion Data breach. 

According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), it is explicitly stated that any refusal to investigate allegations of inaccurate information within 30 days is grounds for the immediate removal of said allegations from the credit report. Given that it has now been more than 60 days since my initial complaint was submitted, I find it both distressing and unacceptable that no action has been taken to address these concerns. 

The false late payment accounts that are currently reported on my credit profile are causing substantial distress and hindering my ability to access fair financial opportunities. It is my right as a consumer to have accurate information on my credit report and to be treated in accordance with the laws that protect consumers ' rights, such as 15 U.S. Code 1681i ( e ) ( b ), which mandates timely and appropriate actions to rectify inaccuracies. 

I believe that my complaint is being disregarded, and this situation leaves me feeling victimized by the credit reporting system. I demand that immediate action be taken to investigate and resolve the inaccuracies on my credit report, as well as the removal of any late payment accounts that are the result of these inaccuracies. Furthermore, I request that the TransUnion Data breach and its potential implications on my personal information be thoroughly addressed. It is concerning to consider that my sensitive data XXXX have landed in the wrong hands, and I expect your office to take this matter seriously and provide me with the necessary assurances. 

The TransUnion Data breach exposed my information well as, and is feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 1 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2023-05-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

In XXXX Wells Fargo refused to work with me on a loan modification, causing me to file for bankruptcy from XXXX to XXXX. My lawyer had to work with them to save my home. They ended up selling my mortgage to another company in XXXX or XXXX
Consumer complaint received 2023-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I noticed that I had maintenance fees on a monthly XX/XX/2023 statement. I talked to an XXXX XXXX XXXX at a BofA bank in my area about this. I knew that at times in the last 10 years that my account had a large deposit of money in XXXX of my XXXX accounts though I still received maintenance fees on my account. I was sure that I maintained at least {$1.00}, XXXX in XXXX of my accounts so that I would not receive maintenance fees. 

The XXXX XXXX XXXX at the BofA filled out a request form for me to receive {$800.00} from the bank to reimburse me maintenance fees on my account, but the BofA did not reimburse me any money for charging me maintenance fees even though I had the required amount of money in the bank, at times, to not have to be charged maintenance fees.
Consumer complaint received 2023-07-29
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. (FL)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Balance Owed : {$11000.00}.
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2023-08-08
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. (GA)

my name is XXXX XXXX and im writting today, In accordance with the Fair Credit 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 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 havev 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. 

these inaccuracies are causing me not to purchase a home or estabish any new credit.
Consumer complaint received 2023-08-08
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. (CA)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all moneta

ry damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the F CRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigiou
s consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX {$9100.00} XX/XX/2016
Consumer complaint received 2023-08-08
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. (MA)

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.
Consumer complaint received 2023-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (GA)

On XX/XX/XXXX I rented a hotel room through XXXX at the XXXX XXXX in XXXX XXXXXXXX. I paid {$110.00} for the one night stay with my Cash App card ( backed by FDIC ) and was not allowed to check in. After multiple emails, visits to the hotel management ( if they even deserve to be called that ). I disputed the transaction twice with CashAppXXXX XXXX  immediately on XX/XX/XXXX and then again in Early XX/XX/XXXX when I still hadnt heard any explanation for my very legitimate dispute of my purchase that I paid for but did not receive the goods or services for. I received a chat response from CashApp stating that my dispute was denied ( almost 60 days after the 10 day limit they have ) and would not provide any documentation or explanation as to why. Almost 90 days later, I still do not have any documentation to why they denied to give me my funds back for something I paid for and did not receive.
Consumer complaint received 2023-05-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (VA)

On XX/XX/22, I opened a checking and savings account and funded the same day with {$75000.00}. Citi had a promotion that paid {$1000.00} bonus after keeping the account for 90 days. I received an email that says : " to receive a Cash Bonus : Deposit New-to-Citibank Funds into your new checking account OR between your new checking account AND a new Citi Savings Account within 20 days of account opening. The balance on the XXXX calendar day after you open your account will determine your maximum Cash Bonus. * '' I did as they instructed and left the $ XXXX in the account. Now they want to renege on the bonus. 
I have spent hours on online chat and on the telephone. During the last call, I was told I would get a call back immediately because the line we were on was so bad. I didn't receive a call back.
Consumer complaint received 2023-05-10
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. (NY)

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
Consumer complaint received 2023-05-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LDF Holdings, LLC (ID)

I took out a {$450.00} loan. Funds received on XXXX. First payment due XX/XX/XXXX. Too soon. Requested a payment extension but denied. Submitted a Revocation of Voluntary ACH Debits on XX/XX/XXXX. They acknowledged but state agreement says must be within 10 days of due date. This is not fair and was not communicated, only provided in small print of agreement. They also wrote in email " your request will be honored before the following due date ''. XX/XX/XXXX is the following due date but then double speak by stating payment will still come out of my account. I have revoked Voluntary ACH Debits but they are not fully co.mitting to my revocation that is immediate. 

They have also violated my financial privacy by contacting my employer without my clear authorization. 

I prefer not to file this complaint but they are not being direct in my rights.
Consumer complaint received 2023-08-08
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. (NC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-08-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp (FL)

As of XX/XX/2023, My loan with R P Funding is now 3 months behind. Over two months ago, the state has granted home owners an approved grant to help catch up late payments. I applied and was approved to have allocated {$1700.00} towards my delinquent payments. The social Services of XXXX XXXX has reached out to the Loss Mitigation Department of R P Funding Lending of XXXX, Florida requesting a immediate response as they have held my case open for an extended times with efforts to help all qualified applicants. To advocate more for my account, I too have asked by calling over 5 times, I have reinforced the documents by fax over 3 times, I have emailed the documents request forms and additional two times to the Loss mitigation department. It is now three months sense we have requested the response of signed I-9 documents for the IRS and they again will not reply to our request. We have been told twice that they were exulting the forms to return two months ago. First they never did admit to receiving the documents. Then once they said they have accepted them four weeks later, loss mitigation representatives states they have 5 days to respond. We have yet to get the forms signed and delivered in order for the social services of XXXX XXXX to submit payments. 
They are restraining me from my constitutional rights to receive their cooperation when having a third party to pay off or on my debt to them. 
I am asking that the government jump in to help me in resolution with this company. 
I also am not sure if I need to complain to the Federal Housing Agency but I don't see why not? Please contact me for further counsel.
Consumer complaint received 2023-08-07
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. (TX)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.
Consumer complaint received 2023-08-08
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. (TX)

I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ENCORE CAPITAL GROUP INC. (CO)

In XX/XX/XXXX paid off account, then in XXXX received a letter stating that I had a balance of over {$12000.00}. In XX/XX/XXXX I disputed the balance and received in XXXX I received a letter stating the charges were fraudulent. In XX/XX/XXXX received a phone stating that this account was sold to midland credit management. I explained to them the situation and they wouldn't hear me out. Asked them to investigate this as fraud and they stated they would and get back to me. XX/XX/XXXX received a phone call stating that the balance was still owed.
Consumer complaint received 2016-07-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Medical Management, Inc. (NJ)

My father and I share the same name. The company below : FINANCIAL RECOVERIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Keeps reporting a collection on my credit report. I 've disputed with both XXXX and XXXX. They removed it but it was recently added again a few months ago. I even called them and they verified that the date of birth and social on file do not belong to me.
Consumer complaint received 2023-05-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CREDIT ACCEPTANCE CORPORATION (AR)

Credit acceptance used predatory loan practices and I believe it was due to my race, inexperience, and age at the time of purchase. To start the the loan interest on the contract was not what I told it would be at the time of purchase, I was told that I would have a 13 % interest based on my credit at the time. Once I got the contract the interest rate was much higher at 22.99 %, I couldnt believe what I was seeing. After a week in the vehicle, I tried to return the car to the dealership and was told I couldnt return the car because they couldnt verify my mothers address. She had purchased her vehicle from them as well, they lied. After trying to do voluntary repossession, I learned that I had 60 days to return to return the vehicle but that option was taken from me by the dealership XXXX XXXX XXXX. I have been trying to get the company Credit Acceptance to get the car but they have said multiple reasons why they can not, we dont have the phone number of the company, I provided the phone number ; we need the address, I provided the address ; we might consider getting the vehicle if the company calls us, I asked the tow truck company owner to call them, he did. After jumping through their hoops, I was emailed a payoff request for {$22000.00} on XX/XX/XXXX. The vehicle was repossessed in XXXX of XXXX, I borrowed from my grandmother to get it and the paper on the car said inoperable. Why would you ask for {$22000.00} for a car that you said has no value? I have not received notice of lower payment options or any information about the voluntary repossession. This process has been stressful and horrible since I started it on XX/XX/XXXX. During the COVID 19 pandemic, I was unemployed and told them I could not afford the payments and would have to return the car, they said not to worry they were offering lower payment arrangements and no late fees, this was also a lie. I just want this five year battle to end but they have been sending me in circles for years and it is affecting my life, renting places to live has been made difficult by their credit reporting and the option to try to rebuild and move forward seems like a pipe dream. If this helps one person avoid falling into their traps, I would be grateful. I was XXXX years old at the time and I am XXXX years old now and I wouldnt want anyone to have to deal with this for years to come like me. Be cautious and avoid them at all costs.