davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I was notified on XX/XX/XXXX about a credit inquiry made in my name for Bank of America. I called XXXX  and they made a request to remove this from my credit. I contacted Bank of America to dispute this inquiry. They said they had no record but would get back to me. Two days later I received a text welcoming me to Bank of America. I called them again and there was an account made with a credit line of {$22000.00}. I closed the account and made a report requesting this be removed and I that I would receive the information for the online account that had already changed the address to receive the card. Today I received a letter from Bank of America that they verified my account and they would not be moving forward with my request and the case is closed.
Consumer complaint received 2021-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

Hunter Wakefield has been trying to collect {$1600.00} against me for the last 5+ years. I have on several occasions asked for them to provide a valid debt contract including my most recent attempt received by Hunter Wakefield via certified mail on XXXX when I sent the a letter asking for proof of debt and a notarized letter indicating a signature witness, on XXXX a second letter was received via certified mail to Hunter Wakefield asking for the erroneous debt be removed from all three credit reporting agencies. As of to day there has been follow up from Hunter Wakefield and they are still reporting the debt. 
I've tried calling to dispute this debt and on several occasions including as recent as this XXXX often the phones are not answered, when answered vm is full or if a message is left it is never followed up on, on two occasions there was an answer I asked to have a partner with authority to remove the claim from being reported against me to return the call, this was never done, I called and was able to speak with a counselor and the conversation escalated when the counselor became belligerent, and verbally abusive. I asked for a name and our employee identification number but the representative disconnected the call. I attempted to call back on three separate occasions and was unable to get through.
Consumer complaint received 2021-03-11
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

All credit reporting agencies have phone numbers reported to you and are on their website that does not work! An automated system gives you slim choices, none of which are to take to a live person, and then it hangs up on you. How about you call the numbers that you have and see where it gets you. Why do these credit reporting companies want you to pay for services when they have to much control of your life and can but burden on you by reporting misinformation and hindering your ability to contact them. Next, how can they report my score correctly when they can't even get my employer correct? My employer is easer to find than my credit card companies. Furthermore, when you file a complaint the company you are filing against should have to show proof of what they are reporting. Lastly, for now, how can the credit reporting agencies have stock? You can not be fair if someone can have control of your company through stock. I would love to know how the government let this happen.
Consumer complaint received 2023-02-05
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: EQUIFAX, INC. (MO)

unauthorized hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

CFPB XXXX XXXX to Pay {$19.00} XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, Including Wrongly Reporting that Consumers were Delinquent on Loans or Leases. I am also having the same problem with this issue above, I never ever had issues with non of my leased vehicles this is my fourth car being leased. I had a lease with XXXX, XXXX, then XXXX again then XXXX & this is the first time I had an issue with a company that's not reliable was told XXXX this on a phone call and they do something completely dependent, I had an issue with an excise tax that they sent to an old address that I had updated with them Multiple times by email and by phone. Never ever have I missed a lease car payment that directly removed from my bank account, but because of the car excise tax that was sent to an old address that I called and confirmed updated it Multiple time via email and calling. They added that excise tax as an missed car lease payment, which it doesn't make sense that not part of the car lease, I have been making the lease payment if they tried calling me or sent me a payment for the excise tax in the mail at the updated address I would of paid it, or even sent it to a collection agency so they could attempted to contact me for the excise tax of the vehicle, but not try to add that as part of the car payment and as missed payment. That's fraudulent, unacceptable never again I will buy or want a XXXX vehicle again or will advise any family member or friends to buy XXXX and leave some reviews online are a couple of big websites for vehicle reviews. Not a good company for customer service. Plus all this lawsuit for credit error. I have also logged-in my hmfusa.com XXXX account XXXX pull my payments history made to them from there financial app.
Consumer complaint received 2017-05-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

I mailed out check to pay for my cellphone bill like i do every month, and i notice a large check withdrawal. Upon research at the branch i noticed the check i originally made payable to  XXXX  for {$75.00} was altered completely and negotiated. I did not authorize this alteration and my phone bill was not paid.   Altered Check I ( Maker ) did not alter the check or grant permission to alter this check, but the  patee  was change to ( fill in here ) :  XXXX   XXXX  from  XXXX   and/or  the amount was changed to ( fill in here ) : {$470.00} from {$75.00} Original Check Number :  XXXX  Amount : {$75.00} Payable to  XXXX  Complaint  XXXX / XXXX /   2016 in  the branch  JP Morgan Chase  Bank.
Consumer complaint received 2023-07-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION (NJ)

I called Truist bank for a payoff on my loan on XXXX The number provided was XXXX and was good until XX/XX/23 I mailed a check for that amount on XX/XX/23 They received my check on XX/XX/23 On XX/XX/23 they sent me an invoice for an additional XXXX I have called 7 times and each time they claim I still owe them XXXX The invoice they sent me shows principal payment of XXXX and interest payment of XXXX for total of XXXX which is amount I paid The last call they told me that the payoff amount they quoted must have been incorrect - even though it jives with the XX/XX/23 statement
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I find Transunion and specifically as it pertains to their XXXX XXXX score to be defamatory & grossly negligent as it pertains to my score. For absolutely NO reason my score is 140+ POINTS LOWER with Transunion than it is for XXXX & XXXX !! All 3 reports are an almost CARBON COPY of one another. There is NO logical reason for this - Also, I notice for some reason that my score takes daily drops and advances of up to 20 points on an almost daily basis. This is NEGLIGENT & DEFAMATORY towards me!!! Please revise my score. This all seems fraudulent and in some form a scam for banks to charge higher interest rates and/or deny credit to lenders that only use Transunion, This is defamatory and negligent, Thank you!
Consumer complaint received 2022-11-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE (MN)

I had issues regaining access to my account after Barclays Bank took over managing the XXXX XXXX Credit Card. On several occasions, I requested a new card to be sent as I had not received the new card, and I was unable to access my online account without it. On the final occasion, I requested to pay my account off entirely and provided payment information. Unfortunately, the agent still left a small balance on the account, which I was unaware of until the account had been put into collections. I did not receive any type of notice regarding a past due balance, nor did receive notice of an attempt to collect a debt. 

Though they were polite and apologetic, I did not find the customer service team to be helpful in resolving the issue quickly, as I was informed that the only way of filing a dispute would be by mail or fax, which is clearly false.
Consumer complaint received 2018-04-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MI)

I have been trying to access my account online since XX/XX/XXXX/XX/XX/XXXX. I have made numerous calls and have been hung up on. When I call I am asked to verify my information and once I do the CSR reads the notes and either tells me there is no update and I will get a call once there is. Or they will transfer me to tech support, who tells me my online account is still not fixed and they will call me when it is. Today during a call someone named XXXX who claimed to be a senior customer service rep hung up on me. I just want to access my information. I also asked for the transcripts of all of my calls and was told I do not know how to get those for you, here is a mailing address that might help you.
Consumer complaint received 2019-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (FL)

XXXX and Citibank filed this case against me, which I consider is a mistake, because the amount processed for {$12000.00} is not a common value, so the Financial Institution had to send an immediate warning or text message to the client to authorize or reject the transaction and thus avoid possible fraud. 
If this had been done we would not have sent the product and the transaction would have been canceled.
Consumer complaint received 2018-04-25
Product: Credit card or prepaid 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. (TX)

- Opened dispute with Citi on XX/XX/XXXX for a transaction of {$3100.00} with XXXX XXXX on XX/XX/XXXX. 

- Vendor performed work on my car including putting on new brakes, rotors, wheels, wheel spacers, and tires. Vendor damaged my radiator during repair process and refused liability. Radiator caused car to overheat and had to be towed to be fixed. Three days after receiving car from vendor front passenger side wheel and tire came off on highway. Causing serious damage to car in excess of {$15000.00} and eliminating all trust in the work done by vendor. 

- Retained an attorney to open a successful lawsuit against XXXX XXXX for damages caused to car, not including original purchase amount. 

- Sent Citi all insurance information from accident, repair bills, and lawsuit information to dispute the original charge from vendor.

- Vendor responded with a fax of a invoice, and Citi closed the dispute with no refund issued. 

- Retained attorneyXX/XX/18 on to demand that Citi refute these charges from vendor and reimburse me the complete amount of {$3100.00} and provided additional evidence from 3rd party XXXX XXXX and XXXX XXXX used in lawsuit to prove vendor fault. 

- Citi closed dispute with no action taken on XX/XX/18 with the following response : " We no longer have any available means to assist you in this matter since the timeframe in which to resolve a dispute has passed ''.
Consumer complaint received 2023-06-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

For entire month of XX/XX/2023 I tried transfer money from Bank of America to another financial institution-5 times through previously installed line between my account in BoA and other financial institution, every time posted transfer was returned back to my account of BoA without any reason and information. I set up appointment with manager brunch of BoA, we spent 1.5 hrs. without any result, contacting upper level of the management BoA, available for brunch manager. 
I contacted a few times the President of BoA for retail XXXX XXXX XXXX, and a few reps from BoA called me and per their investigation provide me with information about my posted transfer, again, without any explanation HOW and WHO made this mess and without any responsibility/compensation for losing money, which my family expected profit for such transfer. 
I expect involvement CFPB in such mess and result, including my family hope for compensation from BoA for such business behavior for us, average Americans
Consumer complaint received 2022-11-01
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. (MI)

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

Account name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX of 2021 and XXXX of 2021 I was a victim of a fraud scam with over $ XXXX and my bank ( bank of america ) didn't even try to protect me by looking into the company that Iwas wiring the money to I was starting a business abroad in 2021 and went to my bank around XXXX of 2021 to speak to my banker from bank of america about the business and the amount of money that was going to be involved, because it is a gold trading business. As I trusted my bank ( bank of america ) and they assured me that they would make sure the company that I was doing business with was legitimate before allowing wire to go through or protect me from fake or fraudulent companies. I went to bank of america to make a wire to the company that I was doing business with and the wire went right through, thus i assumed the company was legitimate and I went overseas to XXXX ( XXXX ) to purchase the gold. It turned out that the company was a big time fraud company and they've scammed many people and the company is still in business. I stayed in XXXX to get them arrested and get the law to deal with them which they did get arrested : however, i feel like my bank ( bank of america ) didn't even try to look into the company in which i was wiring the money to in XXXX. I have tried speaking to bank of america and they have not helped me, I've been through XXXX, I've lost my car, my house because of this and even have been sued. 

I made a wires on the following dates on XX/XX/2021 amount {$130000.00} On XX/XX/2021 amount {$310.00}, XXXX On XX/XX/2021 amount {$86.00}, XXXX
Consumer complaint received 2022-11-01
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: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-12-05
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: Experian Information Solutions Inc. (NY)

This is XXXX XXXX XXXX  please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction.
Consumer complaint received 2022-11-01
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. (VA)

My name is XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-11-24
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-05-15
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: Experian Information Solutions Inc. (FL)

Recently found out someone broke into my mom 's house early last year and stole all my personal information along with my sisters and brothers. my information along with XXXX of my sisters is being used and we don't know who it is but they have gotten loans and other items under my name.
Consumer complaint received 2023-06-10
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Harley Davidson Financial Services Inc (OH)

They called my parents on a number that was not provided to them and discussed specifics about my auto loan that I am currently behind on they told them all my personal information I am XXXX XXXX XXXX. They have also continuously harassed me with multiple phone calls from multiple numbers throughout the day and delivered letters to my door in person representatives.
Consumer complaint received 2022-11-01
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: Experian Information Solutions Inc. (NJ)

CFPB I thought you created laws to protect consumers? I do not feel protected. XXXX ( my student loan providers ) are allowed to disregard the consumer laws. I've asked them several times to removes transaction placed on my consumer report that I did not consent. I am writing to request the following information that appears on my XXXX, and Experian report be removed from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These account are reporting multiple times on my consumer report, they can not report the same account multiple times on my consumer report, also these accounts have been deleted from my Experian report however, when I have reached out to XXXX and XXXX I was told these accounts were verified. How when one CRA deleted the information. Experian was supposed to contact the other 2 CRAs with a carbon copy on the deletion so they may remove the accounts to ensure accuracy of my consumer report. That was not done and in violation of my consumer rights. 
XXXX has abused their billing practices and are in violation of my consumer rights. They are willfully non compliant to the consumers laws that are supposed to protect me this is discrimination and unlawful billing practices and they have caused damages to me and my families ' livelihood.