davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I have submitted a claim to Bank of America regarding fraudulent charges made to my account from an ATM. Despite providing evidence, Bank of America denied the claim, alleging that someone I knew was responsible for withdrawing the funds. This suggests that Bank of America is aware that the ATM transactions were unauthorized. I became aware of these transactions due to discrepancies in my account balance. Following advice from a Bank of America XXXX XXXX representative, I meticulously reviewed my transactions after requesting a manual check of my balance for any system errors, which none of the customer service representatives were willing to do. I have an upcoming appointment with a banker at the branch to address this issue. However, I find the bank statements and app ledger challenging to decipher. Additionally, a concerning issue arises when using the ATM, as individuals nearby may be able to observe your PIN input, whether you are at the drive-thru or walk-up ATM.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me 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
Consumer complaint received 2024-03-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (WV)

The morning of XX/XX/XXXX, I noticed one of my joint savings account balance was much lower than normal, and then discovered that a {$40000.00} wire transfer had occurred. I called Discover Bank to report the wire transfer as fraudulent within an hour and a half of the creation of the wire transfer, and coincidentally just about the time when Discover had given a second approval for the wire transfer. Discover told me the funds were sent to an account at XXXX  XXXX XXXX, and told me that Discover would create a Recall Report and that I needed to contact XXXX  XXXX XXXX to stop distribution of the funds. After several phone calls, later that day I observed that the {$40000.00} had been reversed back into my account by Discover around XXXX. Several days later my joint account received a {$30.00} credit for the wire transfer fee. I believed that either Discover or I had been successful in terminating the wire transfer. Following many discussions with Discover, I changed account numbers and proceeded to close the six accounts I had with Discover due to my concern about the security of our deposits. The accounts were a mix of joint and individual ownerships. One of the accounts was a {$100000.00} CD individual account ownership which I was informed I could close without early withdrawal penalty only on XX/XX/XXXX. About a month after the fraudulent wire transfer, on XX/XX/XXXX, after closing all of the other accounts, I discovered that the {$100000.00} CD was only {$60000.00} due to a debit of {$40000.00} by Discover, and I was locked out of this account. I called and was verbally told by Discover that : XXXX ) Discover had confiscated the {$40000.00} from the CD because they had incorrectly reversed the wire transfer from a different joint account ; XXXX ) Discover had not contacted XXXX  XXXX XXXX with a Recall Request on the wire until XXXX weeks after the fraud was reported ; XXXX XXXX XXXX  XXXX XXXX had immediately responded to the Recall Request by stating that the wire funds had been dispersed, and XXXX ) the only way I could receive any monthly interest from the CD would be to close or reissue the CD for {$60000.00}. I closed the CD account for {$60000.00} in order to receive the prior interest earned and continuing monthly interest, and demanded ( verbally and in writing ) that Discover return the remaining {$40000.00} it has confiscated along with the subsequent earned interest. Discover sent me a very short letter dated XX/XX/XXXX ( which I received in the mail about a month after they confiscated the {$40000.00} ) which stated why they seized the {$40000.00} due to their mistake, and ended with if the wire recall is successful, we will let you know. Discover has had more than 45 days to comply with my demand to return the {$40000.00} it has inappropriately confiscated.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Dear TransUnion, I am writing to formally dispute inaccuracies in my credit report regarding my account with XXXX XXXXXXXX XXXX, referenced above. 

Account Details : Account Number : XXXX Date Opened : XX/XX/XXXX Status : Reported as Charge-Off Original Charge-Off Amount : {$530.00} Date Closed : XX/XX/XXXX Date Paid : XX/XX/XXXX Balance : {$0.00} Discrepancies : Charge-Off Status : The account is indicated as Charge-Off despite being paid in full on XX/XX/XXXX. The remarks state that it was Paid in Full/ Was a Charge-Off, which is conflicting. A charge-off should not be reported once the account is settled in full, and it should be updated to reflect this status accurately. 

Payment History : There is no payment history provided from the time the account was opened until the payment made in XX/XX/XXXX. This lack of documentation raises concerns regarding the accuracy of the account 's payment history. 

Inconsistent Reporting : The balance is listed as {$0.00}, yet the charge-off status remains on the report, which can be misleading to potential creditors. 

Remarks : The remarks state Settled - Less than Full Balance, yet I have paid the account in full. This creates confusion and inaccurately reflects my credit history.

Request for Removal of account from my credit profile : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I kindly ask that you investigate these discrepancies and remove the reporting for this account. Please provide documentation used to verify the accuracy of this account if it is deemed correct.

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution. Please respond within the 30-day period as required by law.
Consumer complaint received 2024-04-01
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: EQUIFAX, INC. (TX)

I sold my house in XX/XX/2022. I received my portion of the sale from the title company, but the mortgage company did not. After receiving calls from debt collection one month after selling the home, an investigation into the location of the money was opened by XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX. The FBI was involved and it was found to be a case of fraud, as the fax machines at the XXXX were hacked. Even while the investigation was underway, the debt collection office continued to relentlessly call and email, saying I was delinquent on payments. They only stopped when they received a cease and desist letter from the lawyer at the XXXX and when XXXX began writing checks in the amount listed as due for my monthly payments. When the investigation was complete, the insurance company for XXXX paid XXXX XXXX the remaining balance. Even when there was fraud discovered, the missed payments stayed on my mortgage report and have continued to be reported to credit companies, impacting my credit. They then closed out the account with the missed payments on file.
Consumer complaint received 2024-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sold my house in XX/XX/2022. I received my portion of the sale from the title company, but the mortgage company did not. After receiving calls from debt collection one month after selling the home, an investigation into the location of the money was opened by XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX. The FBI was involved and it was found to be a case of fraud, as the fax machines at the XXXX were hacked. Even while the investigation was underway, the debt collection office continued to relentlessly call and email, saying I was delinquent on payments. They only stopped when they received a cease and desist letter from the lawyer at the XXXX and when XXXX began writing checks in the amount listed as due for my monthly payments. When the investigation was complete, the insurance company for XXXX paid XXXX XXXX the remaining balance. Even when there was fraud discovered, the missed payments stayed on my mortgage report and have continued to be reported to credit companies, impacting my credit. They then closed out the account with the missed payments on file.
Consumer complaint received 2024-04-01
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: Mr. Cooper Group Inc. (TX)

I sold my house in XX/XX/2022. I received my portion of the sale from the title company, but the mortgage company did not. After receiving calls from debt collection one month after selling the home, an investigation into the location of the money was opened by XXXX XXXX XXXX ( XXXX ) and Mr. Cooper/Nationstar mortgage. The FBI was involved and it was found to be a case of fraud, as the fax machines at the XXXX were hacked. Even while the investigation was underway, the debt collection office continued to relentlessly call and email, saying I was delinquent on payments. They only stopped when they received a cease and desist letter from the lawyer at the XXXX and when XXXX began writing checks in the amount listed as due for my monthly payments. When the investigation was complete, the insurance company for XXXX paid Mr. Cooper/Nationstar the remaining balance. Even when there was fraud discovered, the missed payments stayed on my mortgage report and have continued to be reported to credit companies, impacting my credit. They then closed out the account with the missed payments on file.
Consumer complaint received 2024-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

Bull City Financial Solutions has recently reported a purported unpaid medical balance of {$2100.00} on my XXXX, XXXX, and XXXX consumer reports. I wish to assert that this assertion is wholly inaccurate. At no point have I entered into any contractual agreement with Bull City Financial Solutions, nor do I owe any such debt to them.

It has come to my attention that their furnishing of this erroneous information constitutes a breach of the Fair Credit Reporting Act ( FCRA ). This act safeguards consumers ' rights concerning the fairness, accuracy, and privacy of the information contained in their credit files.

Therefore, I am formally requesting that Bull City Financial Solutions cease and desist from reporting this inaccurate and baseless debt on my consumer reports. Additionally, I insist that they take immediate action to rectify this matter with all three major credit bureaus. 

I appreciate your prompt attention to this matter and expect a swift resolution in compliance with the FCRA regulations.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

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  All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Consumer complaint received 2023-04-14
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: General Motors Financial Company, Inc. (NY)

I have submitted minimum 3 disputes per account below through XXXX XXXX to XXXX XXXX and XXXX with no help. 

The following inquires are not mine, I have no knowledge of them : AMERICREDIT : Inquiry XX/XX/22 XXXX XXXX : inquiry XX/XX/22 XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Debt {$970.00}
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was offered a position at XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) on XX/XX/2022 as an XXXX XXXX and I proceeded to accept the position. I was then requested by my employer, as part of my employment, to receive funds into my account, then withdraw the funds and deposit them into cryptocurrency accounts. After making the deposits and completing my work assignments as requested, I did not receive my commission payments as indicated in my employment letter. After my employer defaulted on my pay, I was also no longer able to contact them. I subsequently submitted a complaint to the Texas Attorney General ( complaint number XXXX ). About XXXX  weeks after I was unable to reach my employer, I suddenly found out that my account was overdrawn in several steps of - {$XXXX}, - {$XXXX}, and - {$XXXX}. I contacted Bank of America immediately and initiated a claim. It is very clear that I did not make the withdrawals that have led to my account being overdrawn. In addition, I do not have any overdraft facility with Bank of America. Therefore, the withdrawals that led to my account being overdrawn should not have been authorized by Bank of America. They represent either negligence or a breach of Bank of America 's security and are therefore not my responsibility. I know it takes great courage for me to disclose all of this, but I just want to be able to start over from scratch. This incident has damaged my relationships with not only my parents but also other family members. I have also lost all credibility and am left with XXXX confidence. I can only hope that with your assistance, your knowledge, and your competence we may find the common ground, and a good resolution because I wish this had not happened to me or anybody I know since, for a young man, I believe there is no worse feeling than this.
Consumer complaint received 2024-03-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (IL)

Venmo deactivated my account on XX/XX/2024 they didnt tell me the specific violation against their agreement terms that I violated I asked and requested this information numerous times .. venmo XXXXont allow me access to the funds that are in my deactivated account they wont release these funds to me or let me withdraw my money to my bank account this money is not fraudulent at all the money is rightfully mines, I have won this money from XXXX XXXX XXXXnd XXXX, XXXX app Venmo only said I violated there terms and agreement that does not give Venmo the right to keep me from accessing the money thats verified and not fraudulent I demand Venmo to give me access to my money immediately .. Venmo has denied me access to my money for 180 days and this will put me in a financial crisis and I will lose my job and my home is I cant access and withdraw this money from my deactivated Venmo account asap.. I request Venmo to unfreeze my account so I can withdraw my money thats rightfully mines
Consumer complaint received 2024-04-20
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: CUSO Home Lending (ME)

I have filed disputes into the accuracy of payment history through XXXX and XXXX regarding my CUSO home lending mortgage account. Regardless if CUSO reports to these companies now both credit monitoring bureaus are suppressing the account from my credit report because CUSO is failing to respond to active disputes.

I would like CUSO to prove they have in fact responded to active disputes through XXXX and XXXX. The agencies have told me since CUSO has not responded to the disputes the account will remain suppressed until they finally respond. The XXXX dispute was from well over 6 months ago. After 30 days XXXX begins to suppress the account from a failure of the creditor to respond. A similar policy is held with XXXX. 

CUSO must respond to disputes with both agencies to allow the account to appear on my credit report again. 

I reiterate -because of CUSOs failure to address this in a previous complaint- I am NOT arguing the accuracy of my paymeny history on this complaint. I am arguing that CUSO has failed to respond to disputes on XXXX and XXXX which have caused the account to become suppressed regardless of if they continue to report the account or not. They MUST respond to disputes as they have intentionally failed to in an effort to damage my credit score. 

The documents I've provided show all of my active accounts minus CUSO which is active but suppressed from their lack of response to open disputes.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Dear CFPB, This is no longer a goodwill attempt. XXXXXXXX XXXX keep on violating my consumer laws by reporting this account to my credit. THEY CONTINUE TO UPDATE AND VERIFY THIS UNFAIR AND INACCURATELY REPORTING ACCOUNT. I am writing to formally dispute an account reported by XXXX XXXX XXXX. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and relevant federal statutes, I am requesting verification of this debt as stipulated under 15 U.S.C. 1692g, specifically regarding the requirements necessary for collections to exist. Ive already listed the methods of verification my last two disputes.

Under 15 U.S.C. 1692g, a debt collector is mandated to provide verification of the debt upon request. Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ), reinforces that all necessary documentation must be provided to substantiate the claim. Furthermore, the requirement set forth in Rule 1002 specifies that an original account must be produced to validate the debt in question.
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2024-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CA)

Since XX/XX/XXXX, I have been paying an additional {$140.00} each month, which totals {$1800.00}. I noticed this extra charge a few months ago and inquired about it with Mr. Cooper. They conducted a review and found that the issue dates back to XX/XX/XXXX. 

I have been paying my home insurance since purchasing my home, but there was a miscommunication between the loan company and my insurance provider. The previous loan company has since been taken over by Mr. Cooper. 

I have been trying to resolve this issue for four months. Although I received one letter indicating they would investigate, I have not received any further updates. My primary goal is to reclaim my funds. Every time I call Mr. Cooper, I either get transferred to another department or the call gets disconnected.
Consumer complaint received 2022-09-03
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. (FL)

I am submitting this XXXX complaint today to follow up the previous complaint I submitted last XX/XX/XXXX regarding the removal of the fraudulenty items reporting on my Credit report. I feel like the Credit Bureaus have not yet done their best at correcting my Credit Report from any fraudulent information. I am submiting this CFPB complaint under the provisions of the FCRA section 605b that protects a consumer 's rights from any fraudulent information reporting on my Credit Report. If the Credit Bureaus claim that the disputed items are items belonging to my name, I need the Credit Bureaus to provide me copies of documents bearing my signature to support the Credit Bureaus claims. And if the Credit Bureaus continue reporting the disputed items wihout providing me the documents I require, please understand I will seek legal action. If it is not that too much trouble, I need the following items to be removed from my Credit Report : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}