davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2017-05-01
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I charged   XXXX   XXXX   (  XXXX  )  XXXX  on my BofA credit card on  XXXX   XXXX ,   XXXX   in  XXXX ,  XXXX . The merchant (  XXXX   XXXX   XXXX   )  offered me an option to pay the  XXXX  amount in  XXXX  which I declined -- the amount the merchant wanted was {$180.00}. I preferred paying in  XXXX  as the credit card compnay ( or  XXXX   )  would convert at a better rate. I did that for all my other charges on that trip and had no problems.     Later on it seem the merchant fraudulently changed the " decline paying in  XXXX  '' and charged me in  XXXX  instead. I could easily prove that if  BofA would get a copy of the original signed receipt. BofA  refuses to provide me a copy of the signed sales slip that shows I did not authorize a charge in  XXXX . This happened with many merchants in  XXXX  and I always declined paying in  XXXX  and had no problems on my trip -- -only this merchant fraudulently changed the option after my signature.     Today I have to pay  XXXX   XXXX  or BofA says they will spoil my  credit score  ... but they will not provide me a copy showing I authorized  XXXX   XXXX  ( which I did not! ) ... instead they claim this is foreign exchange issue -- which it is not!     The matter could easily be solved if BofA showed me a copy of the signed credit card slip -- - they will not because they know I did not authorize it. I called everyday for a month and they refused to provide a copy of the credit card signed transaction slip.
Consumer complaint received 2017-05-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FULTON FINANCIAL CORPORATION (WA)

My complaint is against XXXX XXXX XXXX, a XXXX unit of Fulton Financial, and their " 10 business days '' dispute resolution process. 
This is the 21st century. If charges ( checking account withdrawals via a debit card ) can be made instantly, it should n't take 10 days to get a disputed charge removed. 

The disputed transaction is the seizure on XX/XX/XXXX of {$1400.00} by a XXXX property : XXXX XXXX, XXXX in connection with a reservation I cancelled on XX/XX/XXXX. The reservation was for a stay scheduled to start XX/XX/XXXX, and I selected an option of " cancel up to 1 day prior to [ XX/XX/XXXX ] without penalty '' when I made the reservation through XXXX. 

The hotel ( and parent company XXXX XXXX ) is insisting that my reservation was a pre-paid/no refund reservation, and they are refusing to issue a refund. 

WORSE : I now ( XX/XX/XXXX ) see ANOTHER {$1400.00} hold on my checking account -- which just appeared this morning. I screamed at the bank about this, but they said there is nothing they can do short of cancelling the debit card ( which I did ) to prevent additional transactions. They tell me it will take ANOTHER 10 DAYS to dispute the second {$1400.00} theft. 

Why would additional transactions from the same merchant NOT be blocked the minute a dispute is filed?!? 

It would seem that our banking system allows for the repeated raid of our checking accounts by unscrupulous merchants, and banks have no obligation to prevent this. This is a very chilling revelation.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I'm writing to express my concerns about some issues I've encountered with the credit bureau, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing mistakes. I need help resolving these issues to ensure my financial security.
Consumer complaint received 2016-11-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

To Whom It May Concern : On XXXX/XXXX/16 ( Thursday ), I called Carrington Mortgage Services informing them, I would be sending {$7000.00}. The person I spoke with, asked if it was possible to send {$7100.00}, this way I would only be one month behind and this would stop foreclosure. I told her I could send the amount she stated. I was given XXXX options of making the payment. On XXXX/XXXX/16 ( Saturday ) I sent {$7100.00} XXXX XXXX. XXXX XXXX was unable to send the money all in one payment, so the payment was broken into two payments. On XXXX/XXXX/16 ( Monday ) I called Carrington Mortgage and spoke with someone who told me my payment of {$3500.00} was return and foreclosure procedures began on XXXX/XXXX/16. I expressed that I sent two payments in that amount, which totaled {$7100.00}. She stated, I would receive the foreclosure information and she would also send the information to my email address. I yet to receive the information. I decided to call back later in the evening ( XXXX/XXXX/16 ). When I spoke to this person, she stated they wanted the payment in full and not in two payments. I then expressed, that I did what I was instructed to do. The option I was given, was XXXX XXXX and it 's not my fault they were unable to send as one payment. I was still unsatisfied, so I decided to call XXXX/XXXX/16 ( Tuesday ) and ask to speak with a supervisor. The person I spoke to wanted to know the reason, I explained the situation once again and was put on hold. When the person returned they begin telling about the foreclosure. I told them this is why I wanted to speak with a supervior. I was placed on hold and once the individual returned, they stated there was no supervisor available. I said there has to be someone above her. What seemed to be long, to me someone came to the phone. The first thing was said, was you sent {$3500.00} and that 's why foreclosure preseedings began today. I repeatedly stated how I did what I was instructed to do. I stated, it appears that once the one payments was seen, who ever returned the payment shuld have cleared all payments before assuming that was the only payment. Who else have this been done to? She stated it is n't their fault I was behind over six months, foreclosure should 've started when I was 90 days behind. I expressed, that I was originally with XXXX XXXX XXXX, who transferred me to Carrington. I could n't send a payment until there is an account number. This process took almost 2 months. I did a modification which took 2 months. She then stated she would call me Monday XXXX/XXXX/16. I do not trust that she would have my best interest at heart. I feel she 's using this time to see how they can get Lawyer fees, court fees, any way for Carrington to get extra money. Your assistance in this matter is greatly appreciated. Thank You in Advance.
Consumer complaint received 2022-08-15
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. (AL)

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.

15 U.S.C 1681 Section A. States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 Section A. Section 2 : It also states that a consumer reporting agency can not furnish an 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 ither adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XXXX XXXX, I called a Bank of America ( BofA ) Customer Service Representative ( CSR ) to dispute {$25.00} monthly fees that started since XXXX XXXX. The CSR explained that the reason for the monthly fees was that my account was changed from Advance Plus Checking to a Relationship Checking account and I was not meeting the average balance requirements of {$25000.00} for the new account. I shared that I was neither notified nor consulted with the change and I would not have agreed to the new account because I do not have {$25000.00} to retain in the account. My Advance Plus Checking was created in 2019 for a specific purpose so I can utilize the BofA-affiliated XXXX XXXX on the military base while XXXX in XXXX XXXX and the requirements then was a simple direct deposit into the account, which I still maintain today. In short, the CSR made several attempts to reimburse the series of charges from XXXX to XXXX ( total {$150.00} ), but only to notify me that she was only able to successfully reimburse {$50.00} ( XXXX and XXXX fees ) and for me to wait at least 24 hours before asking to reimburse the remaining fees. The CSR reverted my account back to Advance Plus before ending our call. 

On XXXX XXXX, I called BofA CSR again to get reimbursed for the remaining {$100.00}. However, the CSR and her supervisor explained that the system only allows two reimbursements per year per account.

I will not make any assumptions or accusations as to why my account was changed without my knowledge and permission, but it is rather unlawful since money was taken from my account without my consent.

Please help me get my {$100.00} back from Bank of America. Thank you in advance.
Consumer complaint received 2017-05-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Works & Lentz of Tulsa, Inc. (OK)

I graduated University  XXXX   XXXX  on  XXXX ,  XXXX  I had taken out a substantial amount of student loans to pay my balance, six months after graduation,  XXXX   XXXX  ; I get a lette r ( Works & Lentz ) an d I call company that implied they were lawyers reviewing my debt owed to  XXXX - I informed them I was seeking employment within my field of study and I was yet to get formal employment however all my   XXXX   debt was going to be consolidated.  Works and Lentz (   XXXX , Ok )  officer fai led to inform me this debt was due to a student balance I had with  XXXX  and that it did not qualify to be consolidated. I never heard from them again. Later I get paper work consolidating my debt and I assume everything is fine.   On  XXXX   XXXX ,  XXXX  I get a phone call from a  Works and Lentz stating  they are an attorneys office-officer told me they represent  XXXX  for this debt.   I explained to them all my debt is consolidated, they said not this one and that they 've had this outstanding debt since  XXXX .   I asked them why have n't I been contacted sooner, the lady said " this is your debt not ours ''.   I spoke to  XXXX  who can not inform me as to why they did not give me the chance to settle this debt with them. The week my grace period was over after graduation they just forward me to a collections agency.   I also ask them why d id Works & Lentz  contact me 1 year and 10 months after I first made contact with them ; the lady at  XXXX   XXXX   XXXX  said they are n't responsible to provide accurate contact information to Works and   Lentz.
I requested a letter from Works and Lentz-   they are charging me for just requesting the letter ( which does n't event give me an account summary, letter states I have to submit it in writing ). The letter is giving me 5 days to pay the balance in full.   What is the urgency, they have been the once that taken 1 year and 10 months to contact me regarding this debt.
Consumer complaint received 2024-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Aldridge Pite, LLP (CA)

attached are 2 documents received on XX/XX/year> showing again, that the loan owner is XXXX, XXXX sent by XXXX, their collection arm of the business. 

XXXX XXXX XXXX XXXX with the address of my home listed as the owner. Clear Recon, XXXX, XXXX XXXX, XXXX, XXXX XXXX, and any other parties claiming ownership to my residents. 


I AM THE LEGAL OWNER OF THIS PROPERTY AND NOT EITHER OF THESE CORPORATIONS. A corporation in 2024 is unconstitutional, based on the Chevron Doctrine of 2024, Constitution, Bill of Rights, Declaration of Independence that give ME the right to this home. I've more than paid for it after living in it for 30 years but the corruption seems to continue.
Consumer complaint received 2022-11-16
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. (WA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigate and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-16
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. (SC)

I have been disputing this info since XX/XX/2022. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under 15 USC 1681c-2 this need to be removed.
Consumer complaint received 2022-11-16
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. (CA)

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

XXXX XXXX XXXX
Consumer complaint received 2024-10-20
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC (CO)

XX/XX/2024 XXXX received a collection letter from Source Receivables Management LLC. She responded that it was not her account not her debt. XX/XX/XXXX they sent a letter indicating how she should get ahold of XXXX XXXX. She responded to XXXX XXXX. Source turned account into Credit Bureau having an adverse affect on her credit rating. She disputed this with XXXX and they allegedly verified the account with Source and left it on her credit report. 

This was never XXXX XXXX account and no one will provide copies of the fraudulent documents for this
Consumer complaint received 2017-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

just type in " bank of america criminals '' on google, ok folks I found new evidence which is extremely important to all citizens how these fraudster miscreants trick everyone, and it is beneficial to all people, as it will show WITH CLARITY!!! does anyone know what is a " statement ''? after doing some research and studying  Boa 's  statements, heres what is revealed, a statement shows what was owed and what was paid, it 's not a true bill, and on my statement it surely does show what was owed and wha t WAS PAID!!!   PLAIN AS DAY THE NEGATIVE BALANCE WAS PAID AND BECAME A  XXXX  BALANCE, SO WHO PAID THE -NEGATIVE BALANCE? THEY DISCHARGES IT THROUGH THE UNITES STATES TREASURY ACCOUNT THROUGH THE BIRTH CERTIFICATE BOND JUST LIKE I SAID ABOUT  7-10  COMPLAINTS AGO!!! I WILL POST THE EVIDENCE TOMMOROW WITH A TALLY OF WHAT THEY OWE ME IN DAMAGES, THEY BETTER HOPE A LAW FIR M DOESNT T AKE NOTICE OF ALL MY COMPLAINTS AND EVIDENCE BECAUSE THEY WILL BE IN SEVERE SEVERE TROUBLE!!!!!!!     Bank of America makes 'dirty dozen ' list of criminal financial institutions ...     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX ,  XXXX  - A watchdog group has compiled a list of banking 's " dirty dozen '' corporate criminals, and  XXXX , N.C.-based Bank of America makes the cut ...   Bank of America  ( Common Criminals ) |   XXXX    XXXX   XXXX   XXXX   Bank of America  ( Common  Criminals ),  XXXX , NM.  XXXX  likes. To anyone dealing with a mortgage loan modification, we feel your pain. 2 years for us, ...   For Bank Of America, Crime Is Now An Ordinary Course Of Business ...    XXXX    XXXX   XXXX   XXXX      XXXX   XXXX ,  XXXX  - Between  XXXX   XXXX  and  XXXX   XXXX  Bank of America produced " Net ... they may be, comes from Bank of America engaging in criminal activity ... and ...   Bank of America to Pay {$16.00}  XXXX  in  XXXX   XXXX    XXXX   XXXX       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX ,  XXXX  - Bank of America will pay a   XXXX   XXXX   civil penalty to settle the Justice .... Assistant Attorney General for the Criminal Division  XXXX   XXXX , ...   Bank of America :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Bank of America By  XXXX   XXXX . ... paid to settle lawsuits concerning its dealings with corporate criminals  XXXX    XXXX   XXXX   XXXX   XXXX   and  XXXX  (   XXXX   XXXX   XXXX     What do  XXXX   XXXX , Bank of America and crimes without criminals have ...    XXXX   XXXX   XXXX ,  XXXX  - In  XXXX  recent cases, crimes are whitewashed by pretending no criminals were involved.     Bank of America 's Recipe for Getting Away with Massive  Fraud ...      XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX  - Inside the hypergluttonous megabank, whose criminal conspiracies we 'll all be paying for until the end of time. This  XXXX ,
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.