davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

This is my second complaint regarding my denied fraud claim, claim number XXXX. The situation has changed so I feel the need to file a new CFPB complaint with new details. The appointed Bank employee handling my fraud claim has failed to consider the evidence I sent in. My claim has been settled incorrectly again, with no consideration of my evidence or written statement. On XXXX XXXXXX/XX/24 the claim was updated in my message center to " resolved - review message for details '' The problem is there is NO resolution letter or details on why they denied my claim. There is no attached documentation or evidence they used to deny my claim. This is the same as the first time where it was immediately and unfairly closed. I called the number first thing on XX/XX/24 to request documents used in their decision phone number XXXX I was connected with XXXX. XXXX stated that she did not see any evidence or documents she could provide me but she would tell the back office I requested them. She understood my frustration and read me off some internal notes which I couldn't see on my claim message. XXXX said the fraud department wrote down some notes that we can infer they used to deny my claim. She said that because there were transactions on my statement that I did not report as fraud and because the transactions were held days/hours apart. So basically, if you give a merchant your card details once they are allowed to charge it or use your card details as many times as they want for fraudulent charges? 

This is beyond ridiculous and their explanation does not demonstrate authorized use of my card. I also can not emphasize the fact they don't have any document or evidence used to support their decision to deny my claim. I NEVER denied doing business with the merchant in the past. The employee ( XXXX ) investigating my fraud claim didn't consider any of my evidence that I sent in to escalate my issue. 

I can not keep waiting an unknown amount of time for my claim to be taken seriously especially when I don't know what actual details they need from me. I expect a timely response and resolution from Bank of America correcting their error investigating these fraudulent charges on my account. I refuse to be held accountable for unauthorized use of my card just because I did business with the merchant in the past. That is not legal or reasonable. I am willing to provide details, supporting evidence, and any helpful information to assist this process but rejecting my claim for no valid reason will not stand.
Consumer complaint received 2024-04-29
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)

I just checked and reviewed again my TransUnion credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

Hi, my name is XXXX XXXX and on XX/XX/XXXX I was the victim of a XXXX XXXX. I received a text and a link claiming to be the XXXX XXXX, saying that I needed to provide my XXXX XXXX and credit card number to purchase extra postage for a package that needed to be delivered. 
Later that day, XXXX purchases were made without my approval. My credit card called me because of the XXXX  activity. The purchases were made in the states of XXXX and XXXX. I live in XXXX and have never been in either of those states. 

My credit card company 'initially ' reimbursed the charges, started an investigation and issued me a new card. However, on XX/XX/XXXX I received a letter from my credit card stating that after their investigation I was responsible for XXXX of the charges. 
The charge they investigated was for XXXX from XXXX XXXX XXXX. They sent me " proof '' of the receipt claiming that a " XXXX XXXX '' ordered the items online and picked them up in the store with a photo ID. He apparently gave the email XXXX and the address XXXX XXXX XXXX without a XXXX or a XXXX. 
** I am not related to, nor do I know, anyone named XXXX XXXX! 

My address is actually XXXX XXXX XXXX 'XXXX  XXXX XXXX XXXX XXXX XXXX. ' The other charge was from XXXX XXXX for $ XXXX charge is still " under investigation ''. I didn't make these charges, I didn't approve 'anyone ' else to use my card, and there is no " XXXX XXXX ''. 
They also informed me of 'conflicting ' informatoin pertaining to this package being both 'delivered ' to my address, but also 'picked up ' at a XXXX XXXX XXXX XXXX location somewhere unknown. It would seem to me that XXXX XXXX XXXX XXXX would have a video of this transaction which would clarify my case. 

* I want these charges dropped. The credit card company isn't doing enough to resolve my case and appear to be aloof and dismissive about my situation. 
I have filed a report with the local police as well today with XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX Department ( Badge # XXXX - Case # XXXX ) Thank you so very much for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Aqua Finance, Inc. (OK)

my camper was repossed after i made payment & payment arrangements to catch up on loan, ive been making payments for 4 years & my balance is more now than i t was when i purchased & they said it was interest & late fees, that made the price double, i arranged payments for XXXX for XX/XX/XXXX & XXXX and they didnt get payments out of my account & told me they were returned or declined by my bank in which i had the money in account so they called & said i was repo status and i agreed to pay XXXX every XXXX wks starting XX/XX/XXXX to keep from getting repoed, they took the payment off my debit card & picked up camper the next day with all my things in it.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MN)

I had someone send me {$200.00} on venmo I got some of the money off but then out of nowhere the froze my account and no I can't even get my money. XXXX has been calling everyday and emailings. Account specialit was XXXX was expired ID and they won't. Let me get my money. Then more keeps throwing me around in a circle to the next person. Then back to other people, venmo is not right. I just want my money and close the account
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in my account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-04-29
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. (NY)

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's my understanding that Credit bureau 's will investigate this account for me to ensure accuracy. 

Here is the account I am asking you to verify as accurate : Account name : XXXX Account number : XXXX
Consumer complaint received 2024-04-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (MA)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2023-06-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NJ)

I found a fraudulent charge on my bank statement showing XXXX XXXX with a name I did not recognize. I almost rarely use XXXX XXXX. The only time I ever use XXXX XXXX is to send to XXXX which is a delivery service locally near me. I filed a dispute with my bank and they denied my dispute stating that I need to address it with XXXX XXXX. I researched the so called name next to the XXXX XXXX  name on my statement and it looks like its a fraud account, scamming people online using con XXXX schemes and blackmail promotion. TD Bank is allowing this take place. I kindly asked TD bank multiple times to block any XXXX XXXX  future transactions and they chose not to. I had someone try setting me up on XXXX with money laundering. TD did nothing about basically other than close my XXXX account. I got these nasty criminal hackers targeting me and TD just sits there ignoring it. I'm tired of being the victim. If you search the web, XXXX, XXXX XXXX, blackmail and XXXX XXXX, you'll find all sorts of crimes.
Consumer complaint received 2024-04-29
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. (LA)

XXXX  XXXX XXXX ACCOUNT NUMBER : XXXX IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS UNER ( 15 USC 1681 ) governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). ( 15 USC 1681 ( SECTION 604 SECTION 2 ) ( it also states a consumer reporting agency can not furnish an account without my written instructions under ( 15 USCS 1666b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I REQUEST THAT THIS ACCOUNT UPDATE AS ( PAID/NEVER LATE )
Consumer complaint received 2023-12-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BSI Financial Holdings, Inc. (IL)

I am trying to avoid foreclosure and am waiting for bsi to get back to me anout the fact they took over a loan that is null and void. My brother signed as my attorney in fact when he was under the guardianship of my mother, which was illegal. I was not present and just found this out at my closing and trusted my brother to sign for me in my best interest. If I had known this, I would never have allowed this to happen. I need help speeding up this process so that I have somewhere to stay and can figure out my financial situation. I will include the poa and proof that my brother was under the guardianship of my mother. The loan originated with first centennial and bsi took over the loan. I know XXXX has been in trouble before for overlooking important thjfns like this and I would like a resolution to this so I can move forward with my life in a positive manner. The attachments include the documents when we applied for the loan. In the upper left hand corner is the proof my mom, XXXX XXXX, was my XXXX XXXX guardian. The second is her written description that she has dual access to his bank account, further proving she is his guardian. Last is the poa I would have never signed knowing this. My brother has refused to pay for his part of the mortgage the last year and I have incurred financial losses because of it even though he was the one who illegally signed for me at the closing. I hope you can help me make this situation right.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
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 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 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 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

This company has continued to violate my consumer rights by reporting inaccurate information about and address I never lived at plus this is a made up address that is attached to an account that is also not mine but they still want remove this account even when I request it to be removed plus I have shown my drivers license that have my correct address on it but still they want remove it. I have even got and FTC report for the account and inaccurate address but still they want remove it.
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MO)

On or about XXXX I called Citi Bank about my rewards program. I was asked my social security number and I asked which country I was calling. The rep told me the XXXX. I asked to speak to someone in the XXXX. The representative who answered asked my information and I gave it. She did not ask for my social security number. I advised her it was not okay that I had to speak to the XXXX and never a XXXX representative. She didnt like that I said this. AT NO TIME DID I REQUEST MY ACCOUNT CLOSED. BUT SHE CLOSED IT SHOW I REQUESTED IT TO BE CLOSED. I have been calling constantly. I was informed I would need to reapply for a card I NEVER closed. I would have to take the inquiry on my credit when the account was closed fraudulently. And then when I call, they tell me that the representative closed it and then today on XX/XX/2023 I was informed that supposedly it was close through the phone system. Which I dont know how you can close an account through the phone system. Citibank has been very disrespectful and unprofessional about every situation.
Consumer complaint received 2024-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX. 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.

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.

ALSO, Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 

ALSO, The list of unauthorized inquiries below, XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX Ive noticed on my report. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report.
Consumer complaint received 2023-08-29
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: Experian Information Solutions Inc. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Under the Fair Credit Reporting Act ( FCRA ), the account details provided below have infringed upon my federally protected consumer rights, specifically the right to have accurate information reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am composing this complaint to formally dispute the accuracy of the information reflected on my credit report. According to my records, the mentioned account has been paid in full and currently maintains a XXXX XXXX. However, I have observed that your reporting indicates a balance of {XXXX, which constitutes a blatant violation of the FCRA. 

This reporting discrepancy is impeding my ability to secure new credit, and I am seeking a prompt resolution to rectify this matter. Your immediate attention to this issue is appreciated.
Consumer complaint received 2023-11-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LD Holdings Group, LLC (CA)

Good day! 

My home was wrongfully foreclosed on me without giving me the opportunity to save it. The mortgage servicer did not send me a single notification about a foreclosure auction at all. No calls, nothing. How is that possible?? I was previously was notified by certified mail, letters posted onto my wall, regular correspondence in regards to any foreclosure proceedings yet this one I did not receive even a smoke signal. I am not happy, I am not okay. I dont understand how this is legally possible. They are a debt collector, they have to notify me by all means of any and all actions taken against me, towards me and to me, and it did not happen. They hid under a rock. When questioned, they only referred me to speak with the foreclosure attorney without taking any accountability. 

I spoke with XXXX in Loss Mitigation XXXX XXXX and he confirmed on his recorded line, that loan depot not once sent out a letter notifying me of such action wanting or being taken place. He confirmed on multiple occasions within that XXXX phone call that there is nothing on record. So once again, How is this legally possible to happen? 

I need all and any help with what is going on. PLEASE I cry for help asking to help reverse the sale of my home so I can assure my family a safe place to sleep and wake up to every morning. 

Loandepot are predators, no consideration for consumers, have been attempting to reach a work out resolution with them for over XXXX  years and all they have done is given me the runaround and played games. I not once signed up for any games. I am a hard working civilian, man whom provides for his family. I would never be in this predicament if it wasnt for their lies and deceit. I have never felt so cheated in life. 

PLEASE help me save my home.