davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America decided to close my account for no reason while I had several disputed pending against the reason why my account was in a negative balance. They were allowing someone access into my account by not removing the number ending in XXXX from my sign-in verification after I had removed the number from my account. They were giving other people access into my account. They lied about a check being deposited on XX/XX/XXXX, which I had disputed before it even deposited so I can assure you that check was never deposited into my account. The check was fraudulent and I did not deposit it which is why I disputed the check that was deposited into my account. Now Bank of America is stealing money from my dispute resolutions knowing lying saying that the check deposited on the XXXX when that check never deposited into my account. They only closed my account to stop me from getting the money I am entitled to. I want my money back they stole, and I'm ending my banking relationship with them.
Consumer complaint received 2024-07-17
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: National Credit Systems,Inc. (TX)

On XX/XX/XXXX, I submitted case number XXXX complaining about National Credit Systems ( NCS ) submitting a collection on my credit XX/XX/XXXX for Mainstreet Renewal XXXX XXXX XXXX ) in the amount of {$1000.00} and my credit being docked about XXXX points. National Credit Systems submitted this same collection as a new collection on XX/XX/XXXX after two years and six months and my credit was docked again for XXXX points. 

National Credit Systems responded that the complaint stating the original creditor ( XXXX ) contended that the debt was in fact owed and has provided documentation supporting the charges they assessed. However, on XX/XX/XXXX The XXXX XXXX XXXX XXXX XXXX Superior Court Atlanta Judicial Circuit, Civil Action No. XXXX Underlying Magistrate Court Case XXXX found that XXXX  had no right to place this collection on my credit and Ordered XXXX  to remove this collection from my account. ( Attached hereto ). 
I provided NCS the same information that XXXX XXXX reviewed for her decision but they chose to take the word of XXXX  without the debt being properly established. They did not have a court order or anything except XXXX word that caused my credit to suffer twice for the same incorrect collection. 
On XX/XX/XXXX I submitted a complaint against XXXX - XXXX and XX/XX/XXXX - XXXX complaining about this same issue and XXXX stated NATIONAL CREDIT SYSTEMS INC XXXX VERIFIED THAT THIS ITEM IS REPORTED CORRECTLY. XXXX relied on NCS and had no proof of the debt. As a result of XXXX reporting the collection twice, there is a discrepancy of XXXX points between XXXX and XXXX. 
I provided XXXX the same information that XXXX XXXX reviewed for her decision but they chose to take the word of XXXX  without the debt being properly established. They did not have a court order or anything except XXXX word that caused my credit to suffer twice for the same incorrect collection.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (RI)

i requested information in good faith. I feel this is unfair and illeagal and fradulant and not equitable. I disputed this inacurate information numerous times before contacting CFPB. Pls remove XXXX XXXX reports.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

The debt is with XXXX XXXX. The debt is not mine. It is of my ex husband. I am tired. I let the debt stay. The debt is in a charge off status and XXXX XXXX has provided me with a letter stating that the status of the loan is in charge of status since XX/XX/XXXX. XXXX and Experian stated that even though I provided the letter that came from XXXX XXXX stating that the loan is written off, they will not place the correct status of the loan as written off. Both XXXX and Experian states that it is not their job to correct the fact that XXXX XXXX is reporting this wrong to their credit bureaus. XXXX has decided to remove it as they refuse to report incorrect information. I cant make the credit bureaus validate the information so i sent a packet of 14 pages advising them of my rights to have actual and factual credit reporting. they said if XXXX XXXX keeps reporting it to them they will keep reporting it incorrectly. I have been made fun of, spoken to rudely because i simply want XXXX, Experian and XXXX XXXX to report that its charges off as stated in the letter XXXX XXXX sent to me. While I will be addressing this later in a lawsuit against all listed. This is causing to my detriment a stop in me getting a mortgage. Please help me at ; least get the fact that this loan is charged off. I have been going at this for months. I need a speedy response with this as i may stay homeless a little longer.
Consumer complaint received 2023-09-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

Hello i am trying to get my funds like the us bank closed my account and i have money on there they keep turning me around telling me that the funds or check will arive within 7 days or 10 days of closing the account and it never came it has been XXXX plus days now. Please help because i need the money to pay rent
Consumer complaint received 2024-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (RI)

It is impossible to get anyone on the phone at Roundpoint Mortgage. You have to wait hours to get anyone on the line. I urgently need information from them and I am stuck waiting for a call back. They said I was 180th person in line. This is not the sort of basic customer service they should be providing.
Consumer complaint received 2024-06-27
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)

In accordance with the fair credit reporting act 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 It also states a consumer reporting agency cant furnish a account without my written instructions USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-04-25
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. (NC)

I think FCRA 605B requires us to eliminate any erroneous accounts from my credit report. Would you mind checking the documents? Some of the accounts listed are inaccurate in their reporting, with incorrect amounts and dates being reported.
Consumer complaint received 2023-12-15
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: Experian Information Solutions Inc. (MO)

Every single hard inquiry on my credit report were open fraudulently. I have absolutely no knowledge of any of them. I went to apply for a loan and was denied because of 16 hard inquiries that I had no clue where they came from.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

. Subject : Dispute of Inaccurate Information on XXXX, ChexSystems, and XXXX Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my XXXX, ChexSystems, and XXXX XXXX report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities. 
Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute. 
Specifically, I request the following details regarding your investigation : 6. Methods Used : Please describe the specific methods and procedures used to verify the disputed information.

7. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

8. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information. 
9. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.

10. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken. 
Violations of Law : I believe the verification process by XXXX may violate my rights under the following laws : 6. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports.

7. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

8. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information.

9. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

10. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years. 
I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my XXXX, ChexSystems, and XXXX report. Specifically, I ask that : XXXX. XXXX, ChexSystems, and XXXX provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. XXXX, ChexSystems, and XXXX corrects the inaccuracies in my report as identified. 
Enclosed are copies of my XXXX, ChexSystems, and XXXX report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/2024 Bank of America closed my account and I dont why Im have only 6 months in USA I dont know nothing here Its unfairly No reason for me Because Im clear Im new in the state I just want to know whats happen If my name my social security was hacked
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/XXXX, it was discovered that a woman named XXXX XXXX XXXX posted my social security number number on social media further leading me to believe that she XXXX have my young childs ssi information as well. A XXXX police report was filed against her with XXXX XXXX badge # XXXX. The report number is XXXX. I suspect that XXXX is trying to use i and my sons information for personal gain. I would like to place a credit / freeze block on my sons behalf.
Consumer complaint received 2023-12-14
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. (CA)

They are reporting my {$170000.00} student loan as DEFERRED WITH PAYMENTS TO BEGIN IN XX/XX/XXXX. I have requested correction several times. Each time they send me a form letter with no correction to my credit report. In addition they are reporting an extremely out dated account listed as last updated in XXXX so it should actually drop off completely? I even sent through this XXXX website proof showing that XXXX XXXX XXXX account as XXXX DUE PAID IN FULL WHICH THEY ARE IGNORING. I have been turned down for credit because of this and I have proof. I HAVE TRIED TO FIX THIS WITH ALL XXXX agencies several times with no success. 

I am on hold with XXXX. I am trying to get them to correct it as no one at EXPERIAN WILL FIX IT.
Consumer complaint received 2023-12-14
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. (NY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (AZ)

On XXXX my air conditioner died. We were experiencing a heat wave, so it was an emergency. I called the new AC company I had just started using.

They came out to troubleshoot my AC unit and found that it was leaking coolant and because it was 16-18 years old, the parts for repair would cost at least half of what it would cost me to replace the unit with a new AC. 

The AC company offered interest free financing through Wells Fargo. I am careful about my credit and have high fico scores, no debt other than a car lease and a low amount left on my mortgage. I rarely apply for new credit but because this new AC cost approximately XXXX, I decided to go ahead and apply. 

A few days prior to applying for the Wells Fargo financing, my identity had been stolen and the identity thief had attempted to open an XXXX XXXX credit card with XXXX XXXX XXXXXXXX. I spoke with XXXX XXXX  XXXX and they let me know they blocked that application. 

I use XXXX credit monitoring and they were able to help me put an alert on my credit reporting with all 3 credit bureaus, which stated I had recently experienced identity theft and credit was not to be extended without first contacting me and my phone number was listed in the alert. 

I told the AC company that I was afraid my application for financing would be affected by the recent identity theft I had reported. They instructed me to call Wells Fargo before applying for the financing. 

While the AC technition was in my home, I called Wells Fargo and told them I was concerned the credit alert I had added would impact my ability to apply for financing. They told me it would not affect my ability to get approved for financing. 

I proceeded to fill out the instant credit application. A few minutes later, a representative from Wells Fargo called my cell phone and asked me if they had my permission to verify my identity by texting my cell phone and I agreed. They stayed on the line until I received the code and verified my identity. They then hung up and processsed my application. 

Within 15 minutes of this interaction, I was informed by the AC technition, that Wells Fargo had denied my application and no other information was provided. As a result of the denial, I got a hard inquiry on my credit report which caused my score to decline. I was given no explanation for the denial and no option to correct any issues. 

Finally, on XXXX I received a letter from Wells Fargo that they had dated XXXX. The letter stated that Wells Fargo had been unable to authenticate the identity of the applicant ( me ). 

Wells Fargo lied to me about my identity theft alert not affecting my ability apply for financing with them. Wells Fargo denied me credit claiming they " could not authenticate identity of applicant, '' even though they successfully called me to authenticate my identity over the phone, at the time my appllication was submitted. 

Wells Fargo caused a hard inquiry to hit my credit report which resulted in my credit score declining.
Consumer complaint received 2023-12-14
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: Experian Information Solutions Inc. (NV)

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. I told Experian, XXXX, and XXXX to reinvestigate these accounts. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

first i filed a dispute with experian after i saw XXXX XXXX XXXX XXXX reported that i had a checking account with them that closed with a negative balance. i filed identity theft report with XXXX and submitted the report to Experian demanding they remove the negative information as it was not my account but was done by someone who used my information. i submitted all requested documents verifying my identity also, they denied my dispute saying that i profited from this account. so i disputed again on the basis that the account was also not any sort of account that involved the issuance of credit or the agreement to pay money, nor was there ever any money lent. the account was said to have been closed by the bank with a negative balance, but the checking accounts negative balance was never attempted to be collected by any collection agency, or the bank. the bank just closed it and sent experian a report that i owed just short of {$8000.00}. the experian report shows this as a closed account with 4 months of on time payments and 2 months of overdue payments. as this is false information. a checking account is not a account that has any payment schedule arrangments, and since it was never sent to collection agencies for an attempt to collect a debt, it can not be placed on my credit file as a negative credit account.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CT)

I paid bill due XX/XX/XXXX via online billpay with my bank on XX/XX/XXXX. I received a new bill in XX/XX/XXXX showing previous amount plus late fee and interest. I disputed charge via their online system. They said I needed to provide proof of payment. I sent a copy of the Check from my bank that was deposited on XX/XX/XXXX well before due date. I got correspondence that payment was credited but I got a new bill showing a late fee. After several attempts to correct this I am seeking your assistance.
Consumer complaint received 2024-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Subject : Response to Verified Investigation Regarding Late Payments Dear TransUnion Consumer Reporting Agency, I am writing in response to the verified investigation regarding late payments on my credit report, conducted pursuant to 15 USC 1692g. I appreciate your attention to this matter and the effort taken to verify the accuracy of the information in question. 

Upon reviewing the results of the investigation, I would like to request further clarification on the specific actions taken to validate the accuracy of the reported late payments. Additionally, I seek confirmation that any inaccuracies identified during the investigation have been appropriately rectified in accordance with the Fair Credit Reporting Act. 

Please provide detailed documentation outlining the steps taken during the investigation process, as well as any updates made to my credit report as a result of the findings. I also request confirmation of the timeframe within which I can expect to receive a revised copy of my credit report reflecting any corrections made. 

Thank you for your prompt attention to this matter. I look forward to receiving your response and resolving any discrepancies in my credit report as soon as possible. 

Sincerely,
Consumer complaint received 2024-02-15
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: ENOVA INTERNATIONAL, INC. (VA)

I noticed an unauthorized inquiry from Net Credit bank on XX/XX/XXXX I called both XXXX and Net credit. I submitted my police report and ID. I called XXXX weeks later and Net credit is telling me it should be removed they let XXXX know but XXXX says they never got a letter from them.
Consumer complaint received 2023-03-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: W&A Intermediate Co., LLC (FL)

In XXXX of 2020 I was sentenced to a treatment center in XXXX fl called XXXX. while there I injured myself and went to the hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX. about 6 month later I got the bill for XXXX dollars and couldn't pay it as I was uninsured and not working at the time because of covid-19 pandemic. so the bill was sold to a collection agency and I haven recovered financially to pay this debt and need help resolving this issue
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.