davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a dispute to gain back funds that were deposited without my authorization by XXXX bank. I contacted bofa and requested that the funds be returned to me. I was mailed a fraud package from bofa and was told it would take 15 days to receive. I visited a local branch where the XXXX XXXX XXXX XXXX was helpful and printed the package and made a notary available for the swift return of the package to bofa. I was told that this could take up to 90 days to receive my refund as the cased needed to be researched. I explained that XXXX had confirmed they had the funds and bofa just needed to request them back. I have now been waiting close to 30 days for resolution and have been told by bofa that I must wait the XXXX. This is causing financial hardship in my life and I want it resolved immediately. 

Today I spoke to XXXX in Oklahoma 's escalation department and was told that I must wait the 90 days ( by law ). I asked him how that was an escalation and he informed me that his job was to confirm their receipt of my fraud package ( which was confirmed 3 times before ). When I asked to speak to a supervisor or someone who could actually escalate my claim, he refused to do so.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (AL)

A friend of mine sent me XXXX I transfered it to my XXXX XXXX  card but it would only allow me to send XXXX. I tried to send my friend back the XXXX and it kept saying error and the next thing I knew they restricted my account and it has been 13 data and I can't get my XXXX they keep telling me they can't let me speak to the investigating team or a supervisor.
Consumer complaint received 2024-05-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (CO)

Freedom Mortgage is the lender. The County I live in increased the property taxes. Freedom Mortgage Increased my mortgage payment by {$1000.00} to offset the increase in property taxes. 

On XX/XX/XXXX Freedom Mortgage paid half of the XXXX taxes {$4900.00} : Reference Receipt # XXXX On XX/XX/XXXX I, the homeowner paid the remaining balance of {$4900.00}. After which, I contacted Freedom Mortgage to inform them I will pay all homeowner taxes directly to the state, whereby relieving Freedom mortgage the responsibility to collect escrow. I sent the same information to them and they denied my request stating taxes were still owed. They simply failed to review the documentation and contact the state and county to verify the taxes were paid. They were to ignorant to just review the receipts. Customer service says is escrows problem to fix. Escrow says its customer service problem. No one wants to take ownership. It is my right as the customer to stop having my lender pay my taxes. 
Equity in my home is double the amount of the loan.
Consumer complaint received 2023-12-21
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. (FL)

Dear Sir/Madam, I am writing to bring to your attention a matter of utmost concern regarding the accuracy of information on my credit report. My name is XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

I recently reviewed my credit report and discovered a serious discrepancy that demands immediate attention. It has come to my notice that the reported account, specifically the XXXX  XXXX bankruptcy XXXX, inaccurately lists the Bankruptcy court as the furnisher. This assertion is not only misleading but constitutes an act of forgery, as the courts, upon inquiry, have confirmed that they do not report such accounts. 

Under the provisions of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), credit reporting agencies are obligated to report information with 100 % accuracy. However, in this case, the information provided is not only inaccurate but also involves the fraudulent use of the Bankruptcy court 's name. I have contacted the courts in my state, and they have categorically stated that they do not serve as a furnisher for credit reporting agencies. This discrepancy constitutes a serious violation and will be reported to the appropriate authorities. 

To further clarify, a data furnisher is an entity responsible for reporting accurate information about consumers to consumer reporting agencies. Examples of furnishers include banks, credit unions, and other financial institutions. However, in this instance, the reported furnisher, the Bankruptcy court, is not a legitimate source for credit reporting purposes. 

I have previously disputed this information under the provisions of 15 U.S. Code 1681s2, yet the furnisher failed to respond. Subsequent attempts to resolve this matter directly with the supposed furnisher have been fruitless, as they have asserted that they do not engage in reporting to credit agencies. This lack of communication with the source further emphasizes the inaccuracies in the reported information.

According to 15 U.S. Code 1681i ( 2 ) ( A ), a consumer reporting agency is required to provide prompt notice of a dispute to the furnisher of information. In this case, the furnisher should have been notified promptly, and the disputed account should have been appropriately notated on my credit report. However, it appears that this process was neglected, and the Bankruptcy court 's name was erroneously included on my report. 

I am demanding the immediate removal of this inaccurate item from my credit report. Failure to rectify this situation promptly XXXX result in legal action, as the inclusion of false information on my credit report constitutes a criminal act of forgery. I expect to receive confirmation of the removal of the disputed account and appreciate your cooperation in this matter. 

Account Name : XXXX  XXXX Bankruptcy XXXX Reference Number : XXXX Thank you for your prompt attention to this matter. I look forward to a swift resolution
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

We made a deposit of {$40000.00} on XX/XX/XXXX And was advised by the that this will only be available 0n XX/XX/XXXX Then on XX/XX/XXXX we saw its not available we contact the bank thy say they 2 more days Now its over 17 days and there is nobody to to talk We where counting on the and it caused us a lot of damage
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

After having been approved for XXXX Capital One master cards, which I did not accept, this company is now having a tantrum & permanently denying any future credit applications by stating a perpetual recently processed application, which violates the fair credit reporting act.
Consumer complaint received 2023-04-30
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

Summary : I was a Wells Fargo customer between the years of XXXX. Although my credit was and is excellent I was given a no-doc 80/20 loan to finance the home. During that timeframe, I applied for a loan modification and was twice denied both times. I subsequently sold my home in XXXX to avoid losing it. Based a number of CFPB enforcement actions and class-actions I believe I am entitled to a settlement. I opened a complaint ( XXXX ) with Wells Fargo on XX/XX/XXXX and was denied. However, the investigation failed to address the loan modification issue and incorrectly treated the 80/20 loans as a mortgage that was later used to get a home equity loan ( XXXX ). I subsequently opened a second complaint ( XXXX ) on XX/XX/XXXX with XXXX XXXX, a supervisor that recommended a new claim to address the two distinct original concerns : discriminatory/predatory lending ( no-doc 80/20 loan ) and the denial of a loan modification. At one point he said, 'why didn't you file this complaint sooner? ' The second complaint was denied via a phone call from the case owner, XXXX XXXX. He said, 'the 80/20 loan I received was typical of that time ' so the claim was denied. He did not address the loan modification issue, when asked he said, 'I do not have an answer for why that might have happened '. He told me I would receive a letter recapping what he covered in the discussion and if I was not satisfied I could file another complaint. To date I have not received any such letter. It feels as though they are just kicking the can down the road to run out a clock. 

All of the paperwork and notes associated with these complaints are attached in chronological order.
Consumer complaint received 2023-12-21
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

i started receiving calls from credit card companies last month. After i talked to them, it was clear that XXXX XXXX XXXX had something to do with it. I talked to XXXX XXXX XXXX and she admitted to opening accounts under my name without my knowledge. These accounts are fraudulent and where open without my knowledge.
Consumer complaint received 2024-05-29
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

***ADVANCE FINANCIAL*** Whenever I ask for my remaining interest that is owed to me they always write it down in pen as opposed to showing it to me on a printout. So when I ask for an explanation as to how the interest is calculated Im not given that amount on the print out.

If I owe back interest based on the previous months activity I expect that to be detailed on the printout when I make a payment.

When they write it down the number appears arbitrary and leads me to believe there is something wrong happening.

Also it was never explained to me that I have two billing cycles per month.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Dear Consumer Financial Protection Bureau ( CFPB ), I'm seeking your urgent assistance in addressing a concerning issue related to inaccurate information on my credit report. The credit bureaus are reporting an incorrect and inaccurate negative/delinquent account, and there are inaccuracies in my personal information as well. I am deeply concerned about the potential impact on my creditworthiness due to this incorrect reporting. 

I have attached a detailed letter outlining the discrepancies and have provided copies of my utility bill and driver 's license, both containing my accurate personal information. I believe these documents will support my case for the removal of the inaccurate negative account. 

I kindly request your prompt intervention and assistance in rectifying this matter. I understand the importance of maintaining accurate credit information, and I trust that your involvement will help ensure a fair and accurate representation of my creditworthiness. 

Thank you for your immediate attention to this matter. I appreciate your assistance in resolving this issue. 

Kind regards, XXXX
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each erroneously reported item on my credit file.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

On XX/XX/2023 I sent a letter to XXXX, XXXX, and Equifax to investigate my inaccurate accounts on my credit report. It has been over 45 days, and I feel like I'm being taken advantage of, these consumer reporting agencies are in violation section 15 US code 1681i it states that failure to investigate within 30 days gives a reason to remove those items from my credit report, it has been over 45 days so they should be deleted immediately.

I demand these accounts be deleted ASAP or I will be filing for litigation due to the stress this has caused me, from getting a promotion with my company. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong persons. 

The evidence will be attached below.
Consumer complaint received 2024-05-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: LAKE MICHIGAN CREDIT UNION (MI)

The loan was setup through XXXX, a contractor of XXXX XXXX ; and the payments were setup on autopay to draft from our account. One of the autopay payments happened to bounce ; but we didn't catch it right away, assuming it would be re-tried. It wasn't. Ever since, we have been trying to figure out how to catch this payment up. They never gave us an account number, all the documentation had it partially X 'd out ; so we are unable to create an online account to update anything or make an additional payment. They started sending us past due reminders, again, with account number X 'd out. Any validation we try to do, asks for our account number... we try calling to get our account number, but they won't give it to us - someone even said that they can't give it to us, because our account is past due! We asked how are we supposed to make the payment then ; they ask a bunch of questions about the loan, then say they will contact us back- they call husbands number, go through all the questions, then say they can't provide because he is not " me ''. They call again, go through the run around, and then again say they can not give us the account number because account is past due! ( it is only behind one single payment ; a payment that bounced due to an unexpected expense and poor timing ... a payment that if they had re-tried again, would have gone through ). They say they can not take our payment info over the phone or give us the information we need to correct on our own ; but yet they are harassing us over this missed payment.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TransferWise Ltd ()

Despite several follow-ups to receive my funds, Wise XXXX XXXX is reluctant to wire my funds to the account details provided. The transfer details have been done on XXXX and till date it has not been disbursed No reasons have been shared with me till date and it seems all my efforts to reach out to the team through the call center goes in vain as the team is deliberately sends me in empty circles I would appreciate if you can help me at the earliest since Wise XXXX XXXX is regulated by your respected entity in US
Consumer complaint received 2023-12-21
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (KY)

Subject : Request for Identity Verification To Whom It May Concern, I am writing to request identity verification in connection with my credit report. I believe it is essential to ensure the accuracy and security of my credit information.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (OH)

My father died on XX/XX/year>. I quickly reported his death to XXXX for his XXXX XXXX credit card account and the account was closed. At some point, an additional charge for {$XXXX} came through and I accidentally paid it twice. 

I now have a {$XXXX} credit balance on this account as shown on the statement received at the end of XXXX. I informed XXXX of the mistake in writing on XX/XX/XXXX and received another bill at the end of XXXX still showing the credit balance of {$XXXX}. I called XXXX once I received the bill in XXXX and was informed the refund was being processed. 

I have just received another statement at the end of XXXX showing a {$XXXX} credit balance so it is clear the refund is not being processed. 

They are aware that the cardholder is deceased and the account has been closed so no further charges are possible and yet they are unwilling to process the refund to me. I can't get my attorney involved because I will lose money. I have already spent too much time trying to get this {$XXXX refunded.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (WI)

Theres a credit inquiry from XXXX XXXX XXXX in XX/XX/XXXX that I did not attempt. Also there is a credit inquiry from XXXX XXXX in XX/XX/XXXX that is not mine. Along with a credit inquiry from JPMCB in XXXX of XXXX. All of which are not mine. I did not attempt these. I will be filing a law suit for inaccuracy in the reporting of my credit profile. So I ask that you remove these XXXX inquiries asap or XXXX proceed with the lawsuit.
Consumer complaint received 2023-04-30
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. (NJ)

x n accordance with the Fair Credit Reporting act XXXX XXXX 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
Consumer complaint received 2023-04-30
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. (NV)

I am seeing a collection account on my credit report from XXXX XXXX XXXX. I am not responsible for any debt with XXXX, and I do not have a contract from XXXX XXXX XXXX. I have disputed this account numerous times only to have it taken off and reappear on my report.