davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Reporting Act and XXXX account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XX/XX/2020. 
15 U.S.C. 1681 section 602 A. states I have the right to privacy. 15U.S.C. 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE ACCURACIES OF MY CREDIT REPORT DAMAGING MY LIFE.
Consumer complaint received 2024-05-25
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: Experian Information Solutions Inc. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-05-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (IA)

We canceled multiple Warranties that were included in our loan. Apparently we continue to be billed for one of the canceled warranties. I have contacted Toyota Financial on four occasions to remedy this error on their part and have been told each time that it has been corrected. The amount of {$460.00} plus XXXX in late charges continues to appear on my monthly statement. On XXXX I talked with a manager, I believe her name was either XXXX or XXXX, who again assured me the issue had been remedied. Today XXXX I talked with XXXX agent Id XXXX and he found the notes regarding the XXXX conversation.
Consumer complaint received 2023-08-14
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: EdFinancial Services (TX)

I am taking action against the US Department of Education on an acct ending in XXXX and an acct ending in XXXX for incorrect information reported to my credit report since XX/XX/2019. Despite several attempts to dispute this since then, I have yet to receive any resolution. This has caused me to suffer financially, as I have been denied credit, charged a higher interest rate, and prevented from buying a home. I have also attempted to dispute this with the three major credit bureaus, XXXX, XXXX, and XXXX.
Consumer complaint received 2024-02-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: American Financial Network Inc. (FL)

I am writing to lodge a formal complaint against American Financial Network , IncXXXX ( XXXX XXXX XXXX XXXX ), specifically regarding the conduct of their Producing Regional Manager, XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), and the overall practices of the company. 

In XXXX, I sought funding for a property investment through a XXXX loan and was referred to XXXX XXXX XXXX by a realtor. My experience with this company has been nothing short of egregious and has resulted in significant financial harm to myself and my company. 

XXXX XXXX include : XXXX. Misleading Information : XXXX XXXX XXXX provided inaccurate information during the qualification process, leading to a false sense of assurance regarding the loan 's feasibility. 

XXXX. Lack of Transparency : Crucial updates on rates and loan estimates were consistently ignored or mishandled, despite repeated requests for clarification. 

XXXX. Inflated Fees : The loan estimate provided by XXXX XXXX XXXX contained exorbitant fees and charges, significantly inflating the amount required for closing. 

XXXX. Deceptive Practices : The company engaged in deceptive tactics, including cropping timestamps from rate screenshots and failing to provide transparent communication regarding rate locks. 

5. Negligence and Unethical Conduct : XXXX XXXX XXXX demonstrated a lack of professionalism and accountability, evidenced by errors in appraisal orders, attempts to manipulate rental comparatives, and a general disregard for ethical business practices.

The culmination of these issues has left me facing substantial financial loss, including the risk of forfeiting over {$32000.00} in earnest monies. Despite efforts to address these concerns with XXXX XXXX XXXX, their refusal to engage and resolve the issues has left me with no recourse. 

I urge the Consumer Financial Protection Bureau to investigate the conduct of XXXX XXXX XXXX and take appropriate action to protect consumers from further harm. Additionally, I request assistance in remedying the financial damages incurred as a result of their deceptive and unethical practices. 

Thank you for your attention to this matter.
Consumer complaint received 2024-01-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am XXXX XXXX XXXX  woman who applied for a home equity loan from Bank of America on XX/XX/XXXX. I faxed them my XXXX and XXXX tax returns as requested, and tried unsuccessfully to get in touch with them to obtain the status of my loan. I also sent my homeowners insurance. Almost six ( 6 ) weeks later, I was informed that I was missing pages of my tax returns as well as other documents. They also kept asking for additional documentation and stated that I needed to sign a document that they never provided me, despite my repeated requests. They asked for business tax returns which I informed them that I did not not have since I have never filed business returns. They asked for profit and loss statements which I told them I have never prepared. I spoke to XXXX XXXX and told her that I was going to make a report to the federal government. Her tone became very hostile and she stated that I was going to do this after they trying to help me, and then stated I was on a recorded line. I repeatedly ask that a determination be made on documents that were submitted. I sent an email hat I would be making a report to CFPB and half an hour later XXXX XXXX, emailed me that my account was closed because it was incomplete. I was also dealing with XXXX XXXX, XXXX XXXX. XXXX lied and sayid they spoke to me when my phone record showed the " call '' lasted for a minute. I was not available to speak. 
It is my firm belief that Bank of America is doing this to frustrate customers and to deny home equity loans..
Consumer complaint received 2024-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (OH)

I opened a Destiny Mastercard with Concora Credit online on XX/XX/year>. I responded to an offer through the mail, followed their steps for the process. I uploaded a photo of my government issued ID for verification and was approved. I set up my account with them online and the site suggested adding the card to my XXXX wallet so I could use it while waiting for my physical card, so I did. I used the card a day or two later at XXXX website. When I signed in the next day to check and see if the information had been updated, I was locked out of my account. I called to find out what was wrong and they said my account was blocked due to fraudulent activity. To unlock the account I would need to mail or fax a copy of my ID. I faxed my ID to the number provided that day. I called a couple of days later and they said they hadnt received the fax yet? ( Faxes are generally as fast as a phone can dial ) I was told it could take 5 to 7 days and to call back in 3 more days. I did, no fax yet. When I pushed about what was considered fraud I was told it was unusual activity. On my first purchase? I waited a few more days and called again to check, still no fax. I was then told after they get the fax it could be another 2 weeks for them to verify. I tried to escalate it and talked to someone else who said he didnt know why my account was blocked that it was either the charge ( which shouldnt have been ) or changing my address online which I didnt do. He also couldnt remove the block on my card. 

It is now XX/XX/XXXX. I am being charged fees on a card I cant use. There are numerous complaints of the same thing happening to other people. This is a SCAM company, charging people for credit they cant access, while effectively losing their personal information!
Consumer complaint received 2024-04-08
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I received a letter from XXXX  XXXX XXXX saying that I owe {$4100.00} for failing to pay XXXX 2022 taxes. However, I did mail in a check for {$5300.00} on XX/XX/year> ( PDF attached ). It was cashed -- but not by XXXX XXXXXXXX. Looks like someone named 'M. XXXX ' cashed it on XX/XX/year> at Bank of America. I called XXXX and they said they can't do anything because it's past the 60 day window for reporting a fraudulent check. They did tell me that the check was cashed by Bank of America even though it was clearly made out to XXXX XXXXXXXX. 

I am filing a claim against Bank of America for cashing a check made out to XXXX XXXXXXXX XXXX XXXX to a person named 'XXXX XXXX ' on XX/XX/year>.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (PA)

Ive slowly been closing and limiting my account with Wells Fargo due to far too many bad business practices I have seen them do. I kept one account open minimum funds. Accidentally a bill pay which I forgot to switch over to a new bank and account went to Wells Fargo. That transaction put my account at XXXX dollars. The next day XX/XX/24 I initiated a transfer from a current bank in the of {$190.00} to cover that and to put some extra into this we account. While waiting for this to post I got an overdraft fee of XXXX then the next day another overdraft fee because again a bill that went to wf in the amount of XXXX. Wells Fargo still hadnt posted the funds ( XXXX. ) I had transferred in to cover the two charges of {$54.00} and {$7.00} So there were now to exubrante overdraft fees if {$35.00} each posted. Wells Fargo seems to have selective posting. They repeatedly show shady practices. I contacted them however the customer service people were rude and annoying. They seem to breed a culture of gaslighting and annoying customers. They would not assist. They said that the automated system said I had an overdraft fee reversed several months ago. I closed my accounts at that time and the remaining account was at minimum funds. Every opportunity they get to swindle customers they certainly do, seems like they are set up to do harm to consumers and steal from them. This is horrible
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-13
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2024 @ XXXX I went to a Bank of America XXXX located at XXXXXXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I used my government issued card from XXXX XXXX ending in XXXX I dispensed {$800.00} however the ATM only dispensed {$420.00} and I am missing {$380.00} I filed a complain with the number listed on the ATM XXXX ATM ID : XXXX a Bank of America XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX by the name of XXXX called the number provided to file a claim and the representative on the phone stated on XX/XX/2024 that they would conduct an investigation but during that investigation they would credit my card the {$380.00} XX/XX/2024 I checked the claim status and it was denied on XX/XX/2024 because they stated the amount was never withdrawn from my account. However the denial is invalid because the representative put the claim on the wrong account which she did it through my Bank of America account when the claim had nothing to do with my Bank of America card, it had to do with my government issued card, the supervisor by the name of XXXX gave me the XXXX number when I kept explaining to him that the claim has nothing to do with XXXX he proceeded to state I needed to contact XXXX which I did twice, The investigation concluded that the issue did not take place on their end, the provided me statement indicating that and also a statement of the transactions that took place during the time of the withdrawal. All of this happened because the ATM didnt dispense my money. Ive fallen behind on my car payment due to this issue, I am a single mother with no help and this is money I relied on. Ive become very overwhelmed and stressed out and I have not received help at all. Its now going on a month and still no refund and no help. 

I did put Bank of America for the company but the card is actually the XXXX number XXXX not a Bank of America debit card just so we are clear.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant XXXX to my financial reputation and XXXX. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-03-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I am writing again to dispute the validity of the debt associated with the account number XXXX that appears on my credit report. As I have previously stated, I am completely unaware of any such debt and I did not have the opportunity to dispute it prior to it being reported to the credit bureaus. Furthermore, I have not received any proper notification regarding this alleged debt. 

According to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), consumers are entitled to receive proper notification before any debt is reported to credit agencies. It is my right as a consumer to be informed of any debt owed and to have the opportunity to verify its accuracy. 

I must emphasize that I have not received any correspondence, letters, or notifications from your agency regarding this debt. If you believe that proper notification was provided, I kindly request that you provide evidence of such notification, specifically a certified mail receipt with my signature acknowledging receipt of the notification. Without such proof, I maintain that I did not receive proper notification as required by law. 

As a result, I am requesting that this debt be removed from my credit report immediately. It is imperative that this erroneous entry be rectified as it is negatively impacting my creditworthiness and financial well-being.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-06-13
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. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate ( XXXX XXXX ) account number as follows ( XXXX )
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-06-13
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)

Attached you will find a copy of an accepted IRS filing for the account listed for XXXX XXXX aka XXXX XXXX. The IRS considers canceled debt to be part of your income and taxable. The account is reporting in error as income is not reported on a credit report.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 2019-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting a complaint against Transunion and XXXX for reporting inaccurate information on my credit report that is currently damaging my credit. I have attempted several times to get in contact with the credit agencies about their reporting and the account still is not removed or fixed. I have attached documentation directly from XXXX XXXX where the account was paid in full. Meaning there should be a {$0.00} on the account. That is not the case, every month they have been reporting a balance of {$1900.00}. I have highlighted the account on my credit report so you see how they are reporting the account. Under the Fair credit reporting act I am exercising my rights to get this account deleted from my credit file. They have done enough damage to my scores with their inaccurate reporting. 

Days I submitted my own disputes:XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. I have attempted to get this resolved several times.

XXXX XXXX Account # XXXX