davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

XXXX to XX/XX/year> XXXX and XXXX XXXX XXXX of my service connected XXXX left me unable to work, requested FMLA, & resulted in being separated from a job I held for 9 years. My VA XXXX pay continued being deposited in my Bank of America checking account with overdraft protection from a credit card account and saving account as a contingency. 
XX/XX/year> Bank staff make rude comments about people standing in line. Instate that is inappropriate & am then introduced to XXXX XXXX who calls me a child then refuses to assist with the replacement credit card, debit card, and overdraft protection issues. 
XX/XX/year> XXXX Bank of America branch near my condo to find out what XXXX did & seek assistance. They state they will overnight a Debit Card. 
XX/XX/year> XXXX XXXX approaches me again to state he submitted in his words an " incident report '' for me " storming off ''. I state that is interesting since that would be retaliation for my stating & restating I would be submitting regulatory complaints for his abusive misconduct. He stated he would not accept a check to be deposited or cashed. 
XX/XX/year> Bank staff at Bank of America branch on XXXX XXXX delay my scheduled appointment, delay contacting supervisor XXXX XXXX, claim there is no way to reach her, but finally give me her contact information at a neighboring branch. 
XX/XX/year> I exhaust attempts to reach XXXX XXXX after leaving several voicemails concerning regulatory complaints. I exhaust attempts to reach XXXX XXXX.after sending several emails that go unanswered. Please see attached. 
XX/XX/year> Continue writing XXXX XXXX XXXX concerning bank staff not contacting me. The help team claims several variations of assigned specialist/Regulatory Complaints Advocate/Resolution Specialist will follow up " accordingly '' as a crucial detail in responses from XX/XX/XXXX to XX/XX/year>. Please see attached. 

Bank supervisors delayed contact & resulted in XXXX XXXX showing abusing a Protected Veteran works & is supported at Bank of America.
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (LA)

I am a new credit card applicant and a XXXX  XXXX student who started in fall XXXX. I opened my bank account in XXXX, so I have bank statements from XX/XX/XXXX. After I got my SSN, I applied for a student credit card. They opened the account, and a few days later, they followed up with a form, which I filled and submitted to lift the hold on my account. When I didn't receive my card, I inquired and learned it was due to an incomplete address they had on file. They fixed it and reshipped my card. However, after a few days, they sent me an email stating they had put a hold on my account. I called them, and they asked me to produce 3 months of bank statements, otherwise they would close it. Closing the account would hurt my next application and would also be reported to credit bureaus. They opened my credit card account without requiring me to submit the statements initially. At least they could have asked for this information in the application before opening my account. XXXX questions would have prevented me from applying : " Did you file your taxes last year? '' to which I would have answered no, and " Do you have 3 months of bank statements? '' to which I also would have answered no. It seems that signing up was as easy as opening a XXXX account, although they might require more information during the application. I don't have issues with their requirements, but they need to ask for this information before issuing a card for me. Now, I need to wait a few more months to apply for another card, and this situation is still hurting my credit reports. They have put me in a deadlock situation.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

To Whom It May Concern : I want to stress how crucial correct credit reporting is for maintaining the integrity of the credit reporting system as well as for my own financial security. To maintain fair and transparent processes, credit reporting organizations such as yours must satisfy their requirements under the Fair Credit Reporting Act ( FCRA ). The FCRA was established to safeguard consumers like myself as well as other people 's privacy, and you will obey the law! Alternatively, you risk having to pay me {$1000.00} as a result of your noncompliance with 15 USC 1681n civil responsibility. 


I have been trying to work my way through your maze-like dispute resolution procedure for months in the vain hope of finding a solution that never seems to come together. At every turn, I've run into obstacles, delays, and an overpowering sense of dissatisfaction rather than solutions. It's depressing to observe how little consideration your organization appears to have for the serious consequences these mistakes may have for people just like me. 

I have experienced financial damages as a result of multiple attempts to file a complaint, in accordance with 15 USC 1681n Civil Liability for Non-Complaint. As a result, your company owes me {$1000.00} plus my attorney fees, which will be related to my pursuing legal action. I hope you can see that this is my next course of action. I hope you realize that I have meticulously documented every response you have given me.
Consumer complaint received 2024-07-03
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. (MD)

This is my third attempt to address this issue. I have filed disputes with all three credit bureaus and lodged a complaint with the CFPB as well. On XXXX XX/XX/year>, I opened an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  phone coverage, and various other gifts included in the bundle offer. 

Shortly after placing the order online, I received the attached document but no subsequent instructions on how to set up my account. It's possible that the email containing account setup information was intercepted by a hack ( as has occurred previously ) or lost due to factors beyond my control. For this reason, I utilize both credit and ID theft monitoring services. 

The primary goal of my fourth attempt to resolve this is to assert that I did not receive any account setup information ( neither via email nor postal mail as indicated in the attached email ) until my credit monitoring service ( i.e., XXXX XXXX, XXXX, XXXX XXXX, etc. ) flagged the overdue amounts as a derogatory remark on my credit report. 

I am at the mercy of the XXXX XXXX XXXX to rectify a mistake for which I believe no one is at fault ; however, it impacts my XXXX years of impeccable credit history and an XXXX XXXX score for no reason other than what XXXX XXXX XXXX deem as obligatory factual reporting . Once again, as a loyal Samsung customer for nearly XXXX decades, I do not wish for this relationship to be tarnished by a seven-year derogatory mark on my credit report for an issue that has since been resolved and was due to a missing email or piece of mail that was either lost or intercepted. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-19
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. (PA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-08-01
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)

To Whom It May Concern : I want to stress how crucial correct credit reporting is for maintaining the integrity of the credit reporting system as well as for my own financial security. To maintain fair and transparent processes, credit reporting organizations such as yours must satisfy their requirements under the Fair Credit Reporting Act ( FCRA ). The FCRA was established to safeguard consumers like myself as well as other people 's privacy, and you will obey the law! Alternatively, you risk having to pay me {$1000.00} as a result of your noncompliance with 15 USC 1681n civil responsibility.

I have been trying to work my way through your maze-like dispute resolution procedure for months in the vain hope of finding a solution that never seems to come together. At every turn, I've run into obstacles, delays, and an overpowering sense of dissatisfaction rather than solutions. It's depressing to observe how little consideration your organization appears to have for the serious consequences these mistakes may have for people just like me. 

I have experienced financial damages as a result of multiple attempts to file a complaint, in accordance with 15 USC 1681n Civil Liability for Non-Complaint. As a result, your company owes me {$1000.00} plus my attorney fees, which will be related to my pursuing legal action. I hope you can see that this is my next course of action. I hope you realize that I have meticulously documented every response you have given me.
Consumer complaint received 2016-08-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

We have submitted the loan modification review for my property. However, the lender was denied and did not give us any types of modification. Since we are facing with hardship and want to sell the house under short sale. We have submitted the other request for short sale after they denied loan modification. We have submitted on XXXX XXXX, 2016 and got offer. We have tried all best to comply with lender as they expected. They forced us to sign the auction agreement with XXXX. We had signed and just a matter we need help to move on with our life for short sale and relocation assistance. 
However, the lender called my agent today XXXX/XXXX/2016. They told my agent that they denied our short sale because the sale date is coming XXXX/XXXX/2016. They said that I did not submitted the short sale request on time. 
It look like I will be in trap as other victim homeowner to be foreclosed soon with NATIONSTAR MORTGAGE. As the short sale submission, that we requested over 45 days before foreclosure sale date, they did not help us and claimed on not sufficient time. OMG, what did the lender do for my file since XXXX XXXX to now. They have sent XXXX appraiser out and we did follow and now no time. Wait a minutes, is it right to do that and kick us out of our house and sell the house for their internal investor? 
I am having bad experiences with Nationstar since my attorney told me before that my mortgage was making wrong at first place and cause to my mortgage keeps increasing. The bank did not access my mortgage and income documents correctly and now they did not help and just want to foreclose. I never want to foreclose my house and want to keep it. 
However, it is not my fraud and its bank fraud and did not check what did the mortgage broker and loan officer while they were taking my application. Our income was inflated and we did not know they cheat on us. Now, they dont take responsible and just want my house and kick us out. 
Is it fair for us? We need somebody to judge on my account and help us to bring the fishy to light. They must either help me with affordable payment or short sale in peace.
Consumer complaint received 2024-08-01
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. (TX)

To Whom It May Concern : I want to stress how crucial correct credit reporting is for maintaining the integrity of the credit reporting system as well as for my own financial security. To maintain fair and transparent processes, credit reporting organizations such as yours must satisfy their requirements under the Fair Credit Reporting Act ( FCRA ). The FCRA was established to safeguard consumers like myself as well as other people 's privacy, and you will obey the law! Alternatively, you risk having to pay me {$1000.00} as a result of your noncompliance with 15 USC 1681n civil responsibility.

I have been trying to work my way through your maze-like dispute resolution procedure for months in the vain hope of finding a solution that never seems to come together. At every turn, I've run into obstacles, delays, and an overpowering sense of dissatisfaction rather than solutions. It's depressing to observe how little consideration your organization appears to have for the serious consequences these mistakes may have for people just like me.

I have experienced financial damages as a result of multiple attempts to file a complaint, in accordance with 15 USC 1681n Civil Liability for Non-Complaint. As a result, your company owes me {$1000.00} plus my attorney fees, which will be related to my pursuing legal action. I hope you can see that this is my next course of action. I hope you realize that I have meticulously documented every response you have given me.
Consumer complaint received 2024-06-21
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

BOA card services is holding a substantial amount of my money since XX/XX/year> I have had no access to it coming up on 3 months. 
I received notice that my account would be closed on or around XX/XX/year>. 
I attempted to have the money transferred to another BOA account, the safest option considering the substantial amount, however the maximum amount I could transfer weekly was small. 
They refused to lift the weekly withdrawal/ transfer limit even with them closing the account, making it impossible to transfer my money in its entirety. This is DESPITE the fact that both accounts were at BOA. 
The ONLY other option was to have a check sent through regular mail. 
I offered multiple times to pay for certified mail considering the amount in addition to having mail delivery issues. They refused. 
Consequently, the check was sent out and I never received it. 
Card services refused to cancel and reissue the check until a full 15 business days had passed Then it was cancelled and reissued That was XX/XX/year> and 15 business days later, still no check! 
I was told though the reissue check request was SUBMITTED, there is no record of it actually going out to me and the check issue department was back logged. 
After repeated calls, the only solution they have is to again cancel the check and have another reissued which made no sense as it does not appear to have even been sent out and to cancel would put me at the back of the line again. 
No one seemed able to contact those who issue the check to see IF or WHEN it was issued. 

I sent 2 emails to XXXX XXXX President of Retail Banking for potential help and was ignored, no response to either one. 
Their executive team directed me right back to customer service, where for a THIRD time, they cancelled the check and SUBMITTED a request for another one to be sent out with ANOTHER 15 business day wait. 

I am left unable to invest my money, losing interest on the money and no peace of mind over the loss off access to my money.
Consumer complaint received 2023-08-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Judgment Acquisitions Unlimited Inc (MA)

So I randomly got a call from this company telling me I missed a court date and defaulted. However I was never served paperwork in any way or form. Just called weeks later to be told if I didnt settle up with them they would garnish my pay. So to avoid any issues I started a payment plan. However I feel as if I was taken advantage of because no one ever made me aware I was being sued for said issue.
Consumer complaint received 2024-08-06
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: I.C. System, Inc. (TN)

I am writing to express my deep concern regarding several disputed accounts that remain inaccurately listed on my credit report. Despite multiple attempts to address these inaccuracies and repeated requests for a thorough investigation, there has been no resolution or corrective action taken to date. 

These erroneous accounts are severely damaging my credit file and significantly hindering my ability to lead a normal life. The negative repercussions of these inaccuracies have caused immense hardships, and I am left with no choice but to plead for your immediate assistance in rectifying this situation. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-17
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. (MD)

As per the guidance from the Consumer Financial Protection Bureau the documents needed and a letter fro 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 ( b ) ( 7 ). 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 am a victim of XXXX XXXX XXXX XXXX  XXXX and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX and Equifax. Please delete XXXX XXXX acct # XXXX bal. {$3400.00}. 

Thanks for your help
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-09
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of XXXX XXXX and I'm requesting to remove these fraudulent items from my credit file resulting from alleged XXXX XXXX. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in XXXX XXXX. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-09
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 recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-09
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)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-09
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. (NY)

I submitted complaint on XX/XX/year> thru the CFPB about Equifax. To this date I have not received a response it is now over 30 days. As per the FCRA I should have been notified within 30 days