davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
Product: Mortgage — Reverse 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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, a reverse mortgage was taken by XXXX XXXX XXXX and on XX/XX/XXXX, that loan was assigned to HUD from Bank of America. On XX/XX/XXXX, the reverse mortgage was " PAID OFF and SATISFIED '' to Bank of America. On XX/XX/XXXX, Bank of America requested from HUD that the assignment be given to record a " Mortgage Release, Satisfaction, and Discharge ( " Mortgage Release '' ) '' on XX/XX/XXXX, and recorded in Official Records of XXXX XXXX as Instrument Number XXXX. Without notice, communication or clarity on XX/XX/XXXX, Bank of America rescinded by recording a " Recission of Satisfaction ( " Recission '' ) '' in the Official Records of XXXX XXXX as Instrument Number XXXX. There is evidence from Bank of America in the form of the series events that took place to record a " Mortgage Release, Satisfaction, and Discharge ( " Mortgage Release '' ) on XX/XX/XXXX. In addition, there is a " Satisfaction Letter '' from Bank of America that certifies the reverse mortgage was " PAID OFF and SATISFIED ''. Bank of America accepted our " third party authorization '' to release information pertaining to the " PAID OFF and SATISFIED '' letter. If it is a violation of privacy laws, then Bank of America broke a federal violation by sharing information ( e.g., loan information, satisfaction information ) of a deceased borrower. However, Bank of America states that it was an " unintentional or procured by mistake '' and it was a " unilateral mistake '' on their behalf, and this is the basis to " rescind a satisfaction of mortgage ''. It has been 6 months and Bank of America has not provided any information on loan balance, payment history because the reverse was " PAID OFF and SATISFIED '' on XX/XX/XXXX. Finally, there was a will that reflects the facts that the property was PAID OFF and SATISFIED and no money was owed to Bank of America. Please help us stop this fraud and falsified actions.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX is reporting to the credit bureau that we are 30 days late on our XXXX payment. This information is incorrect. Our mortgage was paid by 3rd Party HAFS program. The program states our mortgage for XXXX was paid on XX/XX/XXXX. XXXX  has misplaced the payments or applied them to the wrong account. We are not responsible for incorrectly applied payments.
Consumer complaint received 2023-11-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

I have an American Express Prepaid Card that simply just doesn't work. I loaded {$300.00} Today XX/XX/2023, and I tried to use it on XXXX, wouldn't work. XXXX, wouldn't work. I call American Express customer service, and the lady they put on the phone tells me " I recommend you use a service that needs the expiration date and 4-digit security code ''. I tell her " every website has that, my card still doesn't work ''. She tells me " I recommend you go to a different merchant to make online purchases '' And I tell her again, it does not work. And she just REPEATS the same statement. 4 times. they're basically telling me to try everything and hope it works. I'm not trying to HOPE for the best when I'm using a payment method. And now I lost access to {$300.00} CASH.
Consumer complaint received 2023-01-01
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: Experian Information Solutions Inc. (TX)

The following companies have hard inquiry pulls on all 3 of my credit reports, the hard inquiries were not authorized. 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX-Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX-Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX-Inquiry Date : XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX-Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXXInquiry Date : XX/XX/XXXX XXXX XXXX XXXX  : Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXXXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  : Inquiry Date : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX XXXX : Inquiry Date : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX  : Inquiry Date : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  : Inquiry Date : XX/XX/XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Please delete this account immediately because it contains inaccuracy in its information According to the ( FCRA ) 15 U.S.C. 1681, it is vital to report with accuracy and fairness. On my consumer report, Equifax is reporting a current balance {$7000.00} this month and last month was {$6700.00} and monthly payment of {$140.00} how is it that {$140.00} increase different on every monthly payment basis and I'm confuse that XXXX have no documentation of this account shouldnt all consumer agency have the same reporting information? 

I have not been presented with evidence in accordance with the doctrine of estoppel by silence, as established in the case of Engelhardt v. Gravens ( mo ) 281 SW 715,719. Consequently, I am presuming the absence of any documentation supporting the alleged debt.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TN)

Experience credit reporting agency has refused to remove incorrect address information from my credit report after several contact attempts. Have provided them documentation that included my identification and utility bill with correct address on it. I attempting to remove this information to help reduce the chances of fraudulent activity on my credit report.
Consumer complaint received 2024-01-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (NJ)

I am being charged interest on my bilt credit card despite having paid off the statement balance in full. I will point out that the payment window in the bilt app is highly non-standard and only allows for XXXX very limited types of payment. Despite this, I selected the option to pay off my entire statement balance and am incorrectly being charged interest on this.
Consumer complaint received 2024-01-16
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: GOLDMAN SACHS BANK USA (OR)

I have 2 phone and 2 XXXX  so I try to use Apple Pay with my 2 phone but when I tried to add my another apple credit card for another phone but they don't let me do it and closed my account. At that time my credit was used about XXXX $ I can't pay right away on XXXX XXXX because I'm on my vacation. 2 days later when I come back to home. when I have cash to deposit to pay my debt but everything was gone. the Apple Card in my apple wallet disappear, so I can't see any transactions and my apple credit card anymore. I was try to call Apple Card service time to time they just tell me wait and just said they can't find my account even with my social number. while when I try to open another Apple Card. it said I already have an exist account. So now that debt keep make my credit score going low. I want to pay off the balance but they don't let me do it. I was open a complaint number XXXX. But noone answer so I tried to open another complaint number XXXX so finally they called me and help me opened back my apple credit card account and transfer all my old debt to new account.They said just dispute it is ok. But when I tried to do it customer service just say can't clear interest and I have to pay for that and transfer me around time to time.So they didn't clear my interest in past 3 months, and didn't clear my late payment history was damaged alot to my credit score until now. i want they take out the interest and late payment history was happened not because of my fault.It make my score from XXXX down to XXXX now and affect when I want to take a loans to buy house.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NC)

I took out a XXXX loan from empower on the XXXX of XX/XX/2023. I received check on the XXXX of XX/XX/2023. The check was place on hold due to it being confirmed fraudulent. This is not true. In talking to 3 dif agents over the phone for wells fargo and my XXXX providers, empower, I was told that check couldn't be verified over the phone between the 2 entities. I took out this loan to keep my vehicle from getting repossessed which wells fargo is the auto financing company as well. I received an email from wells fargo immediately after filing complaint about misdirected funds stating my account will now be closed due to fraudulent check. All of this is incorrect information and I feel wells fargo is intentionally misdirecting my funds. They have caused me a repo on my credit now, over XXXX XXXX dollars I can't access and a lot of pain and suffering. Not even mentioning the time I'm having to take off of work to try and fix wells fargos incompetence. I am truly upset and very disappointed that as bad as our economy is, a national bank can take retaliatory actions against me from filing a complaint and calling them out for THEIR fraudulent activities.
Consumer complaint received 2023-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (NV)

My cash app account was placed on hold XX/XX/XXXX today is XX/XX/XXXX due to an information subpoena and restraining notice and I was told to contact the creditor which I have done and no agreement was reached. I have contacted cash app to release the funds due to my contact with creditor and its been over a year so when will this hold be taken off my account and my funds released to me. I again ask that the hold on my cash app account be lifted immediately due to contact was made yet due to my not agreeing with the terms of the creditor the hold is still on my account. When will the hold be lifted
Consumer complaint received 2024-04-23
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. (TX)

I recently looked at my account and noticed a new account on my credit report. This account was open by mistake and the creator had closed this account. Please delete this account off my credit repost XXXX XXXX XXXX XXXX {$360.00}
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-11-01
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: U.S. BANCORP (NV)

I applied for a loan and was denied I contacted their underwriting department to fix a false and misleading denial of my unlimited credit based on title 15 subsection 1611 they have refused to fix this issue and is in violation of this title under federal law I have tried everything when I call they transfer me to the wrong department every time just trying to avoid me the company is U.S BANK
Consumer complaint received 2021-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I filed a dispute in regards to incorrect items on my credit report. It this has been well over 30 days and I have not received and investigative results.
Consumer complaint received 2024-04-22
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. (GA)

I RECENTLY SENT LETTERS TO ALL XXXX CREDIT BUREAUS ABOUT MY INFORMATION BREACHED. AND THE INQUIRIES ARE NOT MINE AND THEY STATED THEY VERIFIED THE INFORMATION AND THERE IS NO WAY THEY DID. However the credit bureaus said they completed the investigation and everything was 100 % accurate. After I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that the agencies did not make sure the reporting was 100 % correct.

UIn accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character. general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency was obtained directly from a creditor of the consumer or from the consumer.

did they complete their investigation with proof? It seems I am a victim of identity theft
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX  You replied that the alleged transaction that you identified as late is validated. You have no proof that this alleged transaction was late. 
15 U.S. Code 1666b - Timing of payments ( 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.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 
XXXX ) XXXX XXXX XXXX ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! 
You have 10 days to send me all the required information. 
XXXX XXXX your reply to my dispute is Verified, have you verified what the requirements are for a creditor to treat a payment as late? The fact that you verified the information means that you are in possession of the information that was sent or mailed 21 Days before the statement date, and you are in possession of a copy of all information from 15 USC 1637 ( b ) and the Certified mail tracking number that proved the delivery of said information for you to verify this item as late! I am requesting a copy of the information pursuant 15 USC 1637 ( b ) and the tracking number that was used to prove delivery of said information to me the consumer 21 days before my statement date regarding this account. 
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general if, 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.
Consumer complaint received 2024-04-22
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. (NC)

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. 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.

I have been sending disputes for the account listed in letters but the bureaus haven't gave any response regarding the investigation or the any responded back.
Consumer complaint received 2023-03-24
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE INQUIRES DO NOT BELONG TO ME. 
THE ADRESS DO NOT BELONG TO ME MY CURRENT ADDRESS IS XXXX XXXX XXXX. 
THE EMPLOYER DO NOT BELONG TO ME
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Would you mind reviewing the documents? Some of the listed accounts are inaccurately reported. Compensation of {$1000.00} is due for each incorrect entry on my credit file.
Consumer complaint received 2023-04-18
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: Experian Information Solutions Inc. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing this with the utmost urgency to draw your attention to a matter of the presence of fraudulent personal information and unauthorized inquiries associated with my identity. Upon a thorough review, I have noticed that certain accounts and transactions have been inaccurately attributed to me, without my consent. This has left me profoundly distressed and deeply concerned. Regrettably, I've become a victim of identity theft, compelling me to take action to report this incident.
Consumer complaint received 2024-01-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: FIRST CITIZENS BANCSHARES, INC. (MA)

I had a certificate of deposit maturing at CIT Bank, and the bank automatically renewed it without my consent. I did not want it automatically renewed. to make matters worse they renewed it for a drastically lower rate ( 0.3 % ) than the national average and drastically lower than the rate I was provided the first time around. it's clear that they are automatically renewing CDs at a punitive rate because the customer is not opting into this rate they think they can get away with it. On their website there's no option to terminate the CD And get my principal back, even with penalty.