davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-27
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. (TX)

XXXX XXXX wrong name does not match DL Base on my findings all informations is FCRA : XXXX XXXX XXXXXXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$820.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$820.00} Date OpenedXXXX Details under dispute icon Currently Under Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$12000.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$12000.00} Date OpenedXX/XX/XXXX Details under dispute icon Currently Under Dispute Revolving Accountsshow tooltip button XX/XX/XXXX XXXX potentially negative icon Potentially Negative XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$2400.00} written off. {$3000.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$3000.00} Date OpenedXXXX  Details under dispute icon Currently Under Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3700.00} written off. {$4600.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$4600.00} Date OpenedXXXX  Details under dispute icon Currently Under Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$110.00} written off. {$110.00} past due as of XX/XX/XXXX. 
Account TypeUtility XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$12000.00} Balance updated Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Loan Amount {$12000.00} - XXXX XXXX XXXX XXXXX Original creditor : XXXX XXXX XXXX XXXXX {$0.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$0.00} - Payment Info Original loan amount - Balance {$0.00} Status date XX/XX/XXXX red flag the XXXX balance accounts XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX {$12000.00} Balance updated XX/XX/XXXX how is FCRA violations they can change the names to all different with all credit bureaus
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

On XX/XX/XXXX, our Bank of America ( BOA ) accounts were compromised through the XXXX App by a woman unknown to us. I did not see any such activity until Saturday, XX/XX/XXXX. Upon opening my account, I told my partner and then, within 30 minutes, he saw that the same woman had taken money from his account. Neither of us received a phone call from the bank to confirm if we authorized the transfers. 
Immediately, I called BOA, but since it was Saturday, there was no one to talk to regarding this issue. We were told, however, to go to the bank to let them know what had happened. The manager told us there was nothing we could do until Monday morning when we could talk to someone in the fraud division. 
After talking to someone Monday morning, we were advised to close the account and an investigation would be ongoing. After 2 weeks of waiting for an answer, we received letters explaining why we would not receive our lost money. My partner lost {$1500.00} and I lost {$2400.00}. I have documentations of the reason. Neither my partner nor I authorized this woman to transfer the money from our accounts to hers. We also did NOT give her our passcodes or online IDs. We talked and talked to several people from BOA, but to no avail. We were not then, nor are we now acquaintances of this woman. 
I contacted XXXX then ( XX/XX/XXXX ) and was told they could do nothing but write a letter to BOA about the situation. BOA refused to relinquish the funds. However, I contacted XXXX again on XX/XX/XXXX after reading and hearing about other consumers who have had problems with XXXX. Not only BOA, but other banks as well were discussed in these articles. This time, the lawyer gave me your information and encouraged us to consult you and see what could be done. I have documentations of all that I described to you and can send them to you. 
Thank you in advance for your help in this situation.
Consumer complaint received 2021-03-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

From XX/XX/XXXX to XX/XX/XXXX, XXXX fraudulent charges were charged to my Bank of America XXXX BofA XXXX XXXX XXXX  by XXXX. I saw the charges on my statement and thought they were normal XXXX shopping charges on my wife 's XXXX account. When the charges continued after XXXX, I asked my wife about the charges, and she informed me that my debit card is not on our XXXX account. My wife tried to find the orders for the charges, and they did not appear on our XXXX account. On XX/XX/XXXX, I called BofA to cancel my debit card and reported the fraudulent charges. My wife then called XXXX regarding the charges, and they confirmed all the charges were appearing on an account that was not ours. XXXX told me they were fraudulent charges and told me to contact our bank. On XX/XX/XXXX, BofA sent a letter stating : " We've completed our research and closed this claim. Our records show the transaction activity in question was authorized and posted correctly to your account. '' When we asked to send the supporting documents that they relied on to reach their decision, they said there was nothing to send. We asked to reopen the claim so we could send an email from XXXX stating the charges were fraudulent. On XX/XX/XXXX, we received a second letter from BofA stating : " We're unable to approve your recent claim. As you requested, we completed a re-evaluation of your claim. Our research included the information you provided with your claim, your account history, and/or the monthly account statements we sent you. We made this decision because : the charge was authorized by you or someone who has permission to use the card. '' I called BofA, and they told me to contact you. The claim is closed and has been blocked from any other activity. My wife contacted XXXX a XXXX time, and the representative told her BofA does not resolve any fraudulent XXXX purchases.
Consumer complaint received 2021-03-27
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. (NJ)

I reviewed my credit report and seen items on my credit report that were not accurate and I did not recognize. I sent a letter as recommended to the bureau explaining all the items that I wanted to dispute on XX/XX/2021. I sent the letter to the credit bureau explaining which items that should be investigated. Based on the Federal Credit Reporting Act it says that the bureau should have completed their investigation or responded to me within 30 days and notify me of the results. Its been over 30 days and I recently checked my credit report again and it is still showing the same items I disputed. I also wrote a letter demanding them to respond because it is way beyond the 30 days and they should have responded already. At this point, I do not know what else to do because my disputes have been ignored and no investigation has taken place.
Consumer complaint received 2021-03-30
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. (DC)

On XXXX/XXXX/2020, I received an email from XXXX XXXX XXXX XXXX XXXX that stated that they had a data breach, my account was deactivated, please destroy the card, and a new one would be issued. ( see copy of email attached ) In spite of this notice, I made a payment that was posted on XXXX/XXXX/2020 and another on XXXX/XXXX/2020. ( see statements attached XXXX However, XXXX XXXX XXXX NEVER sent me a new card in spite of them receiving payment 13 days after the date of this email. In XXXX 2020, my credit report alerted me that I had a XXXX status on my credit report for this account. ( Note : I had never been late prior to then or thereafter. I still have this account. ) When I contacted the creditor, they stated that my card wasn't issued automatically because I had a late payment. It was confusing since the notice of breach via email and a payment was within 13 days of each other. Finally, on XXXX/XXXX/2020, I received the new card that the email stated that I would receive automatically. 
I have disputed this information several times through the credit bureau. I have even filed a XXXX XXXX. XXXX see their response attached, which had some discreptancies ) The creditor refused to assume any responsibility for THEIR data breach, lack of communication on current account numbers and reissuance of cards and THEIR ADMINISTRATIVE ERRORS and how this has affected my credit. I am now trying to purchase a home and this ONE LATE PAYMENT is hurting me badly. It has been over a year and I need it off ASAP. 
All documents proving these statements are attached. 
I am making this final attempt before pursuing legal matters stating how their errors is damaging my future.
Consumer complaint received 2021-03-30
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. (CA)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 45 days and I haven't received anything. I did my research on the laws and in XXXX XXXX ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also XXXX XXXX XXXX XXXX ( XXXX ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. Do not send me no automate message I need this stuff fixed.
Consumer complaint received 2021-03-30
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. (CT)

There is another person with the same name and birthday in another state, her info has been showing up on my credit report for over ten years. Well I had fraudulent charges on a XXXX XXXX credit card, and filed a report with them, closed the account. From what XXXX XXXX tells me, they sent out a new card with a new account number but it ended up at her home. In IL, I live in CT. Because I can not confirm my own info since her info is now on the account, they wont dispute it. Ive tried over and over online, I have also called them, alert all threw credit reports and Ive gotten nowhere. Ive learned this woman has the same name and birthday and possible a similar Ssn.
Consumer complaint received 2021-03-30
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. (NC)

I have a letter from Dept. Of Justice that shows i was the victim of identify theft. I will list the companies below and ask to have all removed immediately. I have also attached the letter from the Dept. Of Justice. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2021-03-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

I am a 100 % XXXX Veteran in Texas, and have applied for and received a 100 % property tax exemption from my county ( XXXX County Appraisal District ) as of XX/XX/2021. 

In early XXXX, I submitted the forms from the appraisal district and the VA to the mortgage servicer, PHH Mortgage ( XXXX XXXX XXXX ). Originally, I was told that they would re-calculate my monthly payment in XXXX days, and send me a refund in my escrow in 7-10 days. 

However, on XX/XX/XXXX, I called PHH to check on the status of the issue. I was told that PHH will not adjust my tax estimate until XX/XX/2021. 

My monthly mortgage payment is approximately {$1700.00}. An additional {$1100.00} was due each month for property taxes prior to my 100 % VA XXXX rating. Now that they refuse to honor my exemption, they will be collecting an additional {$10000.00} over the year that I don't owe them. 

Please help! This is predatory and deceptive behavior.
Consumer complaint received 2021-03-30
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. (GA)

Since XXXX I have sent multiple letters to the credit bureaus and companies and yet no one has corrected their errors. Could you please please please investigate into this matter further. I have proof of everything. They are breaking the law!
Consumer complaint received 2021-03-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (CA)

I already submitted a Complaint to the CFPB on in XX/XX/XXXX in Case Number # XXXX. 

This is all over a van that costs a few thousand dollars, which I am happy to give back to Ally, but they kept calling my friends and family and avoiding contacting me. I am a licensed attorney California Bar # XXXX and this van was owned by Stepfather who passed away last XXXX and my mom is severely XXXX and in a XXXX home. I have been dealing with my Mom 's estate, COVID, and the birth of a new baby, along with my busy legal career. I could care less about this XXXX XXXX XXXX, but for some reason Ally Bank repeatedly has someone from XXXX repeatedly harass my elderly and XXXX mom and now my friends and family. 

This is completely unacceptable and absusive collection tactics, which CFPB needs to know about, because I can defend myself. However, who knows what they are doing to those who can not.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (MD)

On XX/XX/XXXX, while reviewing my XXXX  credit, I noticed my mortgage company, Specialized Loan Servicing ( SLS ), shows my loan terms as 600 months. I did not sign any documents with SLS to change the terms of my loan. However, my credit report shows that the term with XXXX XXXX was 360 months. 

Additionally, SLS 's credit reporting shows that my mortgage account was opened with them on XX/XX/XXXX, but they were not my mortgage company until XX/XX/XXXX when XXXX XXXX transferred it to them. 

I have sent a message to SLS to address this matter but have not received a response. Also filed a dispute with XXXX.
Consumer complaint received 2021-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TransferWise Ltd (CA)

On XX/XX/2020 I sent an ACH transfer from own personal Transferwise checking account to another bank account, also in my name. The funds were sent from Transferwises XXXX XXXX partner bank to my bank, perhaps incorrectly, and bounced back from the destination bank. The destination bank noted improper ACH instructions and confirmed they never got a hold of the funds. As a result, the funds are currently sitting at Transferwises partner bank. 

Throughout XXXX and XXXX and at least XXXX times, Ive been in contact with Transferwise, who continue to maintain that the only course of action is to wait because their partner is not responding to their recall requests. Effectively, Transferwise is not taking responsibility, nor exercising any sufficient oversight over their domestic banking partner, and are using their lack of banking license as a means of separating from the issue.
Consumer complaint received 2021-03-29
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX do not know how this works but I need it done or somehow corrected. My name is wrong on my credit reports and it is causing some issues with my verifications. My name is spelled wrong a few time the only name on my report should be XXXX XXXX XXXX no other name or variation should be there please delete remove any other spelling. My only address that should be on my report is XXXX XXXX XXXX XXXX, OH XXXX. Please remove any other address. I was compromised and I need to protect the integrity of my credit profile. My DOB XXXX My SS XXXX. Please remove any other date of births of SS numbers. Please delete the following numbers they are not mine at ALL ( XXXX ) XXXX ( XXXX ) XXXX my income was effected buy COVID19 Pandemic shut down and under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). it allows for accommodations XXXX XXXX XXXX # XXXX account is reporting late on XXXX I request for some help and was told to file a dispute and ALL late payments would be updated to current of positive status please delete. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2021-03-29
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I submitted a dispute to XXXX. It has been well over 49 days and I have not received a response. 

On XX/XX/XXXX, I submitted a complaint to the CFPB. On XX/XX/XXXX I received correspondence stating that XXXX  did not believe I was the one filing the complaint. I was advised by the CFPB to call XXXX  and let them know I am the one submitting the complaint. I contacted the XXXX  dispute department to inform them and I spoke with a representative by the name of XXXX. Subsequently, I am refiling this complaint. 

Best Regards
Consumer complaint received 2021-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have contacted Bank of America at least a dozen times I have filed a report with FTC I have filed a police report I can not resolve and it started in XX/XX/XXXX and is still on going and I'm frustrated The identity theft started in XX/XX/XXXX and it's up to over XXXX I notified bank of America when it started and I forwarded all the fraudulent e mail notices back to the abuse e mails ( e mail you can forward but no response or reply ) - I have mailed at least 5 times all the supporting documentation all the e mail etc all the proof charges are fraud and its over 250 pages and i don't even get a common courtesy of a response - In XX/XX/XXXX my account balance was XXXX so I thought the fraud was finally reversed but to no avail because the next month XX/XX/XXXX the balance was again over XXXX. Also a checking account was fraudulently opened in my name and was overdrawn and then boa charged the credit card an additional XXXX dollars My account is locked and there are auto payments from XXXX of XXXX a month then auto payment changed to XXXX a month in XXXX of XXXX and i can't even stop the autopay on an account that is suppose to be XXXX ...
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (VA)

I filed for identity fraud on XX/XX/2020. Was notified of needing to make a payment to my XXXX credit card. Submitted the payment via phone and charged were waved. The charge didnt go through due to identity fraud shutting off my debit card, bank account, and credit card. Payments were not late as the attempt was made to be paid however due to identify fraud could not be completed. Account was closed in XXXX however remained open without notification to myself the consumer due to the inability to process payment. I was not notified until months later of the account being delinquent.