davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/XXXX at XXXXXXXX XXXX. I found out a young lady did try to help me through Bank of America when I talked to her she was very helpful her name was XXXX I wanted to find out my husband had been in the hospital since around XXXX the XXXX or XXXX I was unable to have any calls and get any type of information due to phone issues I didn't get a new phone until around XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX so I contacted the bank because I found out that my husband 's check was direct deposited somebody went to the ATM machine I was told on XXXX the XXXX XXXX at XXXXXXXX XXXX. and took one transaction {$1000.00} and then they turn around and took like {$1100.00} or XXXX I mean {$110.00} or something like that when I spoke to XXXX after waiting almost an hour at Bank of America he basically was very nasty in our helpful he told me I couldn't find nothing else out about this account the bank is basically not trying to resolve this issue and just let me know if that wasn't my husband at the ATM machine if it wasn't him then I know it was someone else they are not authorized to go in the account if the man is XXXX XXXXXXXX so if it was not him at the ATM machine then something needs to be done I want it whoever it was if it wasn't him fully prosecuted and the bank failed to acknowledge this they dismiss this and basically want fraudulent activity if they if it is some to go on and not do anything about it
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have never given any of the following companies ' permission to access my credit report in any capacity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of these companies will be able to provide any written or verbal documentation stating they have my permission to access my credit report. 

Also, 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 have 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.
Consumer complaint received 2019-07-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

I sent in a complaint regarding the lender stating due to the NPV findings they would not modify me. However i believe the NPV test is incorrect as the reason i am not being modified is due to the fact the investor would like their money in the time frame allotted in my original mortgage agreement and lowering my rate or payment and or extending my terms would not allow that to happen. I believe i am a victim of a scam as my original lender and investor was XXXX who was bought out by XXXX in which awarded home owners money for the scam created by XXXX XXXX. I do not believe the documents in which i signed were legit at the time i opened this loan and i am also convinced it was predatory as my rate is well above the average rate at this time. I also requested a copy of the pooling and service agreement and still have not received it and also i do not belive the mortgage documents and assignment of mortgage is correct. I am in a non judicial state on which the foreclosure process is less and i do not have my day in court however my lender was brought up in a federal suite and lost and i believe my mortgage qualified as part of that suit. I would like answers to these questions in which the lender has been avoiding for some time as a 12 % rate is unrealistic and is predatory. I believe the lender is keeping this information from me to avoid being fined and sued for wrongful foreclosure
Consumer complaint received 2024-08-15
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. (FL)

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
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: EQUIFAX, INC. (MI)

Disputing a medical collection account from XXXX XXXX XXXX. In that first dispute letter i asked Equifax for proof of verification for the account or delete it. An original consumer contract signed by me. Equifax verified the account without sending me proof of any verification. Meanwhile i contacted XXXX XXXX XXXX to have this account verified, they sent a statement with my medical records on it but didn't provide a HIPAA medical records release. Violating my HIPAA rights. So I sent another dispute to Equifax with documentation of the HIPAA Violation on XX/XX/2019, notifing them my HIPAA rights are being violated and that Equifax is also violating my HIPAA rights if they don't provide me with a HIPAA release or delete this account. Once again Equifax ignored my request and verified this account without providing me with proof of varification or a HIPAA medical release. I sent a third dispute only to get the same result no proof and no HIPAA release.
Consumer complaint received 2024-08-16
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account ( see Attach ) 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 2024-06-26
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. (LA)

Th List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX XXXXXXXX {$2300.00} OPENED XXXX, Account name : XXXX XXXX XXXXXXXX {$1500.00} OPENED XXXX, has violated my rights. 

I looked at my my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s
-2 they are suppose to 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 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (FL)

XX/XX/XXXX {$100.00} XXXX XXXX XXXX XXXX Details - attempt to correct points XX/XX/XXXX {$100.00} XXXX XXXXXXXX XXXX XXXX  XXXX Details - attempt to correct points XX/XX/XXXX {$100.00} XXXX XXXX XXXX XXXX Details - attempt to correct points XX/XX/XXXX {$100.00} XXXX XXXX Gift Card XXXX Details - attempt to receive original order XX/XX/XXXX {$100.00} XXXX XXXX XXXX XXXX Details - only attempt to receive original order XX/XX/XXXX {$100.00} XXXX XXXXXXXX XXXX XXXX XXXX Details -original order, XXXX not received XX/XX/XXXX {$100.00} XXXX XXXX XXXX XXXX Details - original order not received We used our rewards points on XXXX for XXXX XXXX and XXXX XXXX  and were deducted XXXX and XXXX points. All of the cards were not received. Each attempt ( call or chat ) was treated as an additional use of rewards points for additional cards. Ultimately, the original ordered gift cards were received but not ones listed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Those were not orders of cards just attempts to correct issues. We are owed XXXX points and Barclay clearly doesn't want to correct the issue or are incompetent.
Consumer complaint received 2024-05-31
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. (IL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I have been a victim of identity theft since 1997. Same guy. Lives in the XXXX / XXXX XXXX areas of Georgia. He has complete access to my credit report. 
I have frozen, locked and pay {$300.00} a year to Exquifax and still can't keep this person from invading my credit report, getting credit cards and even when he was arrested ( according to XXXX XXXX ) for identity theft, used my name when arrested. 
I have made police reports, filled complaints, blah, blah, blah. 

Still no protection. I just found he even wrote a comment on MY credit report to call HIS cell phone if any changes are made to my credit report. 

Just because I'm not a senior citizen, rich, famous or lost money, no one really cares. 
If it happened to you, you'd care.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AK)

This complaint is in regards to a fraudulent charged that occurred with my checking account/ debit card/ and XXXX XXXX XXXX 

On XX/XX/XXXX at XXXX I received a phone call ( which I missed ) from Wells Fargo XXXX XXXX department XXXX alert me of a suspicious transaction and they wanted to verify if I made the transaction in question. I didnt realize I missed the call so the card was cancelled. Wells Fargo canceled the card due to fraudulent activity being detected. 

I received an email from Wells Fargo alerting me that my debit card in question was added to XXXX XXXX on the same date at XXXX. I did not perform this activity. At XXXX on the same date a transfer of {$400.00} to some other account was attempted and declined. This happened again XXXX minute later. 

After this occurred my XXXX XXXX was removed and then approved on someone elses device. The device in question was alerted to me through a Wells Fargo email I received. Below is the information provided to me from Wells Fargo. 

Device name* XXXX XXXX  * Device number XXXX I have absolutely no idea who that is or what that phone number is. Shortly after {$400.00} was removed from my account and was pending. The {$400.00} withdrawal was processed on XXXX. A provisional credit of {$400.00} was issued by Wells Fargo on XXXX after I contacted the fraudulent claims department on XXXX at around XXXX. 

Upon contacting the claims department I was issued a claim reference number. I received that claim number via email on XXXX at XXXX am. 

After receiving that provisional credit of {$400.00} over XXXX  days later I assumed the issue was resolved. 

Fast forward to XX/XX/year> and I received a notice in the mail that the provisional credit would be reversed since they had completed their research into the claim. I was never emailed regarding the reversal of the provisional credit. 

As a result on XXXX my account has been deducted for the amount of {$400.00} which was originally stolen from me from someone using XXXX XXXX and another device that was not my own. Now I feel as if Wells Fargo is stealing {$400.00} from me. 

This whole event is unacceptable and shouldnt have happened since they originally noticed the fraudulent activity. I simply can not understand how I am being held accountable for this {$400.00} transfer that was not made from my mobile device. 

I need help since Wells Fargo has let me down and stolen {$400.00} from my account.
Consumer complaint received 2024-08-16
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. (CA)

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 2024-08-16
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. (LA)

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  Account # XXXX, has violated my rights XXXX XXXX # XXXX, has violated my rights XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights XXXX XXXX XXXX # XXXX XXXX has violated my rights -XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights XXXX XXXX # XXXX, has violated my rights XXXX XXXX XXXX # XXXX, has violated my rights -XXXX XXXX # XXXX, has violated my rights XXXX XXXX # XXXX, has violated my rights XXXX XXXX # XXXX, has violated my rights XXXX 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 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 my 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 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.

TransUnion 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 2023-08-09
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: 1st Franklin Financial Corporation (GA)

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Consumer complaint received 2023-04-28
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: EQUIFAX, INC. (CA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2024-05-31
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. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-07-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (MA)

My auto-lender " Bridgecrest '' illegally repossessed my car, without " any '' notice on Friday XX/XX/. I live in Massachusetts and according to State Law before an auto lender can start the repossession process they must first send written notice to a consumer. I have not received any correspondence from my auto-lender signaling any intent to repossess. When I arrived home ( Private Property ) on Friday my vehicle was not in my Parking Spot. I initially thought the vehicle was stolen. I contacted Bridgecrest and they said : " Oh yeah, by the way the vehicle has been out for repossession since the XXXX XXXX XXXX When asked why they did not notify me of the repossession they admitted to not sending the notice and said : " It is up to you to contact us about your own account '', when asked why the repo man illegally came on my private property to remove my vehicle I was told to contact the repo company. I also had paid my auto-lender one day prior to this illegal repossession and was told that my payment could not be considered in any quote to redeem the vehicle. I am dealing with XXXX and need help.