davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

THERE ARE ADDRESSES ON MY CREDIT REPORT THAT ARE INACCURATE AND MUST BE REMOVED AS THEY ARE HINDERING ME FROM PROPERLY FILING FOR FURTHER CREDIT.
Consumer complaint received 2024-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

bank of america XXXX XXXX XXXX I HAVE A BALANCE OFFER FOR NO INTEREST IN GOOD STANDING I USED THE CARD IN XXXX TO AVOID TRANSACTION FEES I PAID THE BALANCE OFF OF WHAT I PURCHASED THEY ARE SAYING THEY WILL NOW Charge me interest on the interest fee balance until I pay that off IT IS IBTEREST FREE how's this fair other then it iS Bank of America do what they want I USE INTEREST FREE BALNCE PROMOTIONS ALL THE TIME NEVER HAD THIS OCCUR
Consumer complaint received 2023-04-13
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. (FL)

You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

By XXXX XXXX XXXX agent, on behalf of the principal XXXX XXXX demand immediate action regarding the unlawful and egregious closure of my credit card account by Bank of America. This closure is not only a gross breach of contract but also a flagrant violation of federal law. Bank of America has not only ignored its legal obligations but has also disregarded the securities and tender of payment that were provided as full settlement for the account balance. 

Under the Uniform Commercial Code ( UCC ) 3-603 ( b ), the debt was discharged the moment the bank received and accepted the tender of payment, which was indisputably acknowledged by Bank of America . Their subsequent refusal to credit the account and discharge the balance constitutes fraud and an unconscionable breach of fiduciary duty. 

Furthermore, my Durable Power of Attorney ( POA ) was sent to revoke any authority Bank of America has over my account, not to give them any further power. The banks failure to recognize this document shows a deliberate and malicious attempt to defraud the principal, adding to their already reckless behavior. In accordance with 12 U.S. Code 1813 ( l ) and 31 U.S. Code 5118 ( b ), the bank has an obligation to credit my account and discharge any balance once legal tender is accepted. 

This isnt merely a clerical oversightthis is wilful negligence. The bank 's continued refusal to address the matter or respond to my communications, including my certified conditional acceptance affidavit sent in XX/XX/XXXX, adds to the gravity of this breach. The Truth in Lending Act ( TILA ) under 15 U.S. Code 1635 demands accurate management of accounts, and Bank of America has failed to comply with these basic legal principles. 

In light of this misconduct, I refer to case law such as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), which solidifies that this refusal to credit accounts after accepting legal tender is a breach of contract. These actions will not go unanswered.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/XXXX, I received a troubling alert from USAA indicating that my personal account ( last four digits : XXXX ) had been flagged for suspicious activity and subsequently restricted. This alert coincided with the deposit of a substantial check from the SBA, designated for my business, XXXX XXXX XXXX. Despite my persistent inquiries regarding the rationale behind this restriction, USAA has failed to provide a satisfactory explanation, raising serious concerns regarding compliance with the Georgia Fair Business Practices Act ( XXXX XXXX XXXX XXXX ), which mandates that financial institutions engage in fair dealing and transparency. 
On XX/XX/XXXX, I received an email stating that my account would be closed and that a check reflecting the remaining balance would be mailed to me. To date, this check has not been received. Following this notification, I have made countless attempts to communicate with USAA, only to encounter conflicting responses regarding the status of the funds and the reasons for the account closure. On XX/XX/XXXX, I received an email from XXXX XXXX of the USAA Fraud Investigations Team, requesting additional documentation to verify my business ownership. I complied immediately, providing all necessary documentation, including my Employer Identification Number ( EIN ), IRS Schedule C, SBA loan agreement, and confirmation that my business was in good standing during all pertinent interactions with USAA. 
Despite my proactive measures and the provision of comprehensive proof of my legitimate business status and the origins of the funds, I have yet to receive a substantive follow-up or resolution from USAA. This lack of responsiveness not only contravenes consumer protection laws but also undermines my ability to effectively manage my business operations. The Consumer Financial Protection Bureau ( CFPB ) emphasizes the necessity for prompt and equitable resolutions in financial disputes, and I trust that this report will facilitate the immediate intervention required to rectify this matter. I am attaching all relevant documentation to this report to substantiate my claims and expedite a swift resolution. 
Failure to address this matter promptly will result in my filing a federal lawsuit to seek redress for the violation of my rights under the applicable laws, as well as any consequential damages incurred as a result of this debacle.
Consumer complaint received 2024-10-30
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: GOLDMAN SACHS BANK USA (NY)

My XXXX account was compromised years ago. I filed police report and contacted the bank to dispute those charges. After long run of investigation the bank finally write off the amount and closed my account. I just discovered the bank left some amount for me to pay without any notice. I checked my credit report and find out I have late payment and serious delinquency on my report. I am requesting the bank to clear the negative on my credit report and cancel the debt.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc. (NJ)

My account was close with the expectation of receiving a refund for the remaining balance. I was informed via email that a refund check would be sent to me of the account closure. However, it has been significantly past the promised timeframe, and I have yet to receive the check.
Consumer complaint received 2024-11-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

Around XX/XX/year> I refinanced my mortgage with Select Portfolio Servicing to XXXX XXXX Mortgage. After closing it was determined that I had an escrow balance that was due to me as a refund. I called SPS in reference to the refund due. They sent me the final statement and payoff information along with the satisfaction letter but I have yet received the escrow refund that is due.
Consumer complaint received 2024-10-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

Chase bank is harassing me. I am attempting to use the XXXX function with a business bank account I have. My business name starts with a XXXX XXXX XXXX. Chase bank is trapping me in an infinite loop : ( 1 ) On the Chase mobile app, Chase demands I add an email address to my account in order to use XXXX. ( 2 ) When I add the email address, Chase refuses to go through with the addition of the email address and tells me to use a desktop/PC in order to add the email address. ( 3 ) When I follow Chase 's directive, Chase, on a desktop/PC, tells me I must call them in order to get the email address added. ( 4 ) When I call Chase, Chase claims they have added the email address, but they in fact have not. When I bring this up to the disgusting Chase rep who picked up my phone call, she plays XXXX or pretends she has added it when she has not. ( 5 ) As a result, Chase is refusing to let me use XXXX in any way even though Chase advertises that XXXX can be used with their accounts. I can not even use XXXX with any prior email/phone that appears to be in my account as this may cause entanglement of XXXX transactions with one business account with personal/different business accounts.
Consumer complaint received 2024-11-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Harris & Harris, Ltd. (TX)

Subject : Formal Complaint Regarding Unprofessional and Potentially Fraudulent Conduct by XXXX and XXXX Dear Sir! 
I am writing to formally lodge a complaint against XXXX and XXXX, a company that has been contacting me in an unprofessional and potentially intimidating manner. The representatives from XXXX and XXXX have left messages claiming to be a law firm and have repeatedly stated that they possess my social security number and all of my personal information to file a lawsuit against me. Additionally, they have been reaching out to me via text messages and phone calls, urging me to settle a supposed fee of {$210.00}. 

Upon clicking the link in XXXX of their text messages, I was directed to a payment page, which seemed unusual and raised concerns about the legitimacy of their claims and practices. I am distressed by their methods, which feel overly aggressive, invasive, and possibly designed to induce fear. I have not received any official documentation substantiating the claims or detailing the alleged debt. 

I am requesting that XXXX and XXXX cease all communications with me, as their tactics have been unsettling and unprofessional. I am also seeking guidance on any necessary steps I should take to protect my information, as well as to understand if this matter warrants further investigation for possible legal or consumer protection violations. 

Thank you for your attention to this matter. 

Sincerely, [ Your Name ] [ Your Contact Information ]
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (IL)

I have received two cards this week one from XXXXXXXX XXXX. I called them. They wanted me to open the account to for it to be closed. Sounds like a scam to me the supervisor then hung up on me. I would not send a copy of the credit card to them I also received, a card from Netspend I have not called them yet because I dont wan na have to spend two hours on the phone to go nowhere. I dont know whats going on. I do not wan na go online because I did not order it to me. These are both scams. Theyre trying to get something from me, I just want the accounts closed
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MN)

Restricting access to my file disclosure. 

I sent my request via mail, on the phones, and use of the internet. 

Additionally disputes are taking place that I didnt request. 

Equifax has allowed me no more than a half hour today to be online. Then it shuts down and says to call. 

Now wont even take my call till I resend more paperwork. 

I believe there is inaccurate information that is being used against me on my file. 
Additionally I was involved in the XXXX  data breach. 

I am a victim of ID theft.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXX/XX/year>
Consumer complaint received 2024-10-05
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. (AZ)

The unverified accounts listed below continue to report on my credit report in violation of federal law. The sent a letter to the XXXX credit bureaus but I never received a response from it. This accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$440000.00} XXXX XXXX XXXX Balance : {$35000.00} XXXX  XXXX XXXX Balance : {$57000.00} XXXX XXXX Balance : {$62.00} XXXX XXXX Balance : {$62.00}
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpos
e
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (OH)

( BRIDGECREST ACCEPTANCE ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Bridge Crest, XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of BridgeCrest, XXXX, XXXX and XXXX from reporting services.
Consumer complaint received 2024-10-05
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WV)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXX
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (CO)

I filed a complaint with the CFPB in XXXX over this issue about the Goldman Sachs and Apple scam and Goldman lied and I have a note after their response in XXXX on the same website that they lied now couple days ago they just paid {$180.00} XXXX for the exact same thing I reported so I'm reporting them again. I don't even know what to ask anymore cause I know it will just be a lie, but we have proof now of my original report in XXXX and I deserve a lot.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

upon reviewing my credit report, I found several accounts listed that do not belong to me. I have not done any business with these companies nor have ii given any of them my personal information. Here are the accounts listed below : 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
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Radius Global Solutions LLC (TX)

XXXX XXXX, Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX has reported a collection amount of {$6500.00} for the past few years. I have disputed this account on several occasions asking for proof of ownership for this account or a purchase agreement with the origination date, the said amount as well as the services that were provided. I have repeatedly let it be known that this is not an account that I opened yet disputes continue to be deemed resolved with accurate information without the asked proof of any agreement/originating documents. 

XXXX XXXX XXXX, original creditor : XXXX XXXXXXXX XXXX has reported a collection amount of {$730.00} since 2021. I have disputed this account on several occasions asking for proof of ownership for this account or a purchase agreement with the origination date, the said amount as well as the services that were provided. I have disputed this account with all three credit bureaus in the past with one dispute coming back as resolved and the account was said to be removed as they were not able to confirm account ownership yet the account still is showing on my credit report. 

Radius Global Solution, original creditor : XXXX XXXX has reported {$3800.00} as a collection on my account for a little over a year. I have spoken with this company on several occasions as well as disputed accuracy for the account as I have not had XXXX XXXX  within the last 10 years. Nothing has come of the disputes and calls asking for purchase agreements and account origination proof.