davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

We are a retired couple, XXXX residents currently, living in XXXX, relying on social security as sole means of support. 
Beginning late summer XXXX, we were repeatedly hit with phone text messages from Bank of America alerting us of attempts to transfer money out of our Bank of America XXXX account. At each instance, we immediately called in to the bank to confirm our account was safe. 

In late XX/XX/XXXX, we received an INCOMING PHONE CALL from a bank XXXX XXXX Bank of Americas customer service telephone phone number, which number my wife has in her phone contacts ( XXXX ) XXXX. ( She worked many years for Bank of America in Maine and Florida. ) This self-identified Bank of America XXXX offered to help stop attempts to permit future unauthorized transfers and walked us through the required steps. 
We asked and got his proper name and that of his supervisor, but we did not disconnect and call back to confirm identities. THIS WAS AN INCOMING CALL FROM THE BANK CUSTOMER SERVICE CENTER MAIN TELEPHONE NUMBER. 
This individual recited deposits and debits to our operating account and knew our savings account balance to the XXXX. 
He recommended we change our account passwords but cautioned that we wait XXXX hours before making the changes to confirm the fraudulent transaction was stopped. 
Wanting to confirm our savings account funds were safe, we called Bank of America fraud department the very next morning only to learn our funds were, indeed, fraudulently taken from our account. Weve since learned from Bank f America the recipients name , street address ( but not city/town ) in GA and the receiving bank ( XXXXXXXX XXXX XXXX XXXX THE SCREEN SHOTS FROM OUR CELL PHONE ARE ATTACHED TO THIS COMPLAINT, ALSO ATTACHED IS THE CONTACT INFORMATION FOR OUR BANKING CENTER MANAGER WHO ATTEMPTED TO REMEDY THE FRAUD FOR US. 


We reported the incident to the XXXX, XXXX XXXX XXXX. We have also contacted the Maine XXXX XXXX XXXX XXXX. ( While very concerned about the incident happening to ME senior citizens, we were informed the agency had no authority with out-of-state federally-regulated banks. ) We have since been informed in writing that Bank of America told us the incident was not their problem and they could no longer be of any help.
Consumer complaint received 2022-10-27
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: EQUIFAX, INC. (MA)

XXXX XXXX : XX/XX/XXXX Account number XXXXXXXX XXXX XXXXXXXX : XX/XX/XXXX Account number XXXX XXXX XXXX XXXX : XX/XX/XXXX Account number XXXX. 

XXXX of XXXX : Date, XX/XX/XXXX Account number XXXX XX/XX/XXXX Account number XXXX XX/XX/XXXX Account number XXXX XX/XX/XXXX XX/XX/XXXX. 

XXXX XXXX XXXX XX/XX/XXXX Account Number XXXX. 

XXXX XXXX XXXX XX/XX/XXXX Account XXXX XXXX. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Account XXXX XXXX. 

XXXX XXXXXX/XX/XXXX Account number XXXX. 

XXXX XXXX XX/XX/XXXX Account number XXXX. 

XXXX XXXX XX/XX/XXXX Account number XXXX. 

Inquiries made on XXXX by XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. 

Inquiries made on my Equifax account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. 

These inquiry and accounts are fraudulent and are unauthorized. These accounts and inquiries are being reported fraudulently on my consumer credit report companies XXXX, XXXX, and Equifax. And I am requesting and immediate Removal/Deletion from my Consumer Credit Reporting accounts . And i issued a cancellation and recessions that have yet been responded not to and I am also requesting a full refund for all accounts that took payments from my personal accounts. A full refund is requested immediately from all companies due to unauthorized transactions on accounts and fraudulent transactions that resulted in return payments and payment adjustments and closing of the accounts without my knowledge or consent. Companies fail to meet agreement terms and fail to protect my accounts.
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (LA)

Experian fraudulently utilizing bait and switch patterns in response to violations being reported resulting in misinformation, inaccuracies and flat out unlawful and illegal CRA practices. I am writing on behalf of my client to bring to your attention a serious issue with the information on their credit report. Upon review of the report, it has been discovered that there are several errors and false statements contained therein. After conducting an investigation, it has been determined that these errors and false statements are the result of your agency 's failure to properly verify and authenticate the information that has been included on the credit report. | Specifically, it has been discovered that Experian fraudulently transposed two separate issues that occurred on XX/XX/XXXX and XX/XX/XXXX, resulting in the inclusion of false and misleading information on the consumer report. This transposition has caused significant damage to my client 's credit score and reputation, and has made it difficult for them to obtain credit, loans, and other financial services. | On XX/XX/XXXX, my client submitted a complaint through CFPB regarding Experian 's violations of the Gramm-Leach-Bliley Act ( GLBA ) and the inclusion of false and misleading information on their consumer report. Despite providing a copy of the consumer report in question, Experian marked the complaint as " vague '' and " unclear '' on XX/XX/XXXX. On the evening of XX/XX/XXXX, my client submitted another complaint through CFPB regarding Experian 's misconduct on a separate account that was found on their credit report. | Experian falsely reported the issue on XX/XX/XXXX as re-investigated updated and resolved on their website, void of any CFPB notice. Furthermore, Experian has denied my client access to dispute any inaccuracies on their consumer report through their website and has forced them to utilize the CFPB for all complaints, disputes, and inquiries. | Experian has a legal obligation under the Fair Credit Reporting Act ( FCRA ) to follow reasonable procedures to ensure the maximum possible accuracy of the information on my client 's credit report. By failing to properly verify and authenticate the information on the credit report and fraudulently transposing two separate issues, they have violated the FCRA and caused my client significant harm.
Consumer complaint received 2022-10-27
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. (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2024-04-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (MI)

I am writing to inform you that I am represented by legal counsel regarding the debt collection matter involving this account. Please direct all further communication regarding this debt to my attorney at XXXX It has come to my attention that your company has engaged in illegal and harassing practices in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g. Your repeated calls, often without proper identification, have constituted harassment and have infringed upon my constitutional rights. Furthermore, my information has been registered on the XXXX Not XXXX XXXX, and your continued calls have violated that regulation as well. 

I have previously requested a debt validation letter, which you have failed to provide. As such, I am reiterating my request and demanding the following information : A detailed history of payments made on the alleged account by me. 
A copy of my wet signature on a contract guaranteeing payment to the creditor. 
Any and all insurance claims filed on this debt. 
Proof of chain of title to collect on this debt. 
Your failure to provide the requested information has caused me financial harm and has negatively impacted my creditworthiness, resulting in denial for future lending opportunities. Therefore, I am demanding {$2000.00} to compensate for the violation and financial harm caused by this invalid debt. 

Please provide the requested information and compensation within XXXX days of receipt of this letter to avoid further legal action.
Consumer complaint received 2024-04-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Nelnet, Inc. (AZ)

I believe that aggressive pressure was used to get the applicant to sign the loan. I was mislead about when my responsibility as a guarantor would end. I was told 5 year. I didn't hear from then for 13 years about the loan. I asked to be released as the loan payment where greater than two years as is their requirement. They are making it impossible for me to be released so I'm requesting copies of receipt of notification of the loans being sold/transferred as is required by law. I'm asking for a copy of the original loan too see if I have arbitration rights and I'm asking for an accounting on this loan since its inception in XX/XX/year>.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2022-09-12
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. (TX)

( 1 ). In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


( XXXX ). In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


( XXXX ). In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


( 4 ). In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX, XXXX. Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

( XXXX ). In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

( 6 ). In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


( 7 ). In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX  Account # XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2023-06-21
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (WA)

Citibank put a block on the account that ends on XXXX because they said that someone was trying to access my checking account. Not, only did they put a block on the account but also removed my login credentials. 

Even though the account was blocked Citibank accepted and XXXX deposit from my employer XXXX XXXX on XX/XX/XXXX. The deposit from my employer was in the amount of {$850.00}. I contacted Citibank regarding getting my money back since they were not supposed to accept the deposit in the first place but rejected. 
I was told by Citibank that they could not verify my identity even though I gave them my social security number, date of birth, phone number, email accounts, current and previous home address. They insisted that they could not verify my identity or tell me exactly what was it that they were looking at. Then, Citibank told me that I was going to receive a letter with a reference number. This was back in XX/XX/XXXX at which time and out of a lot of frustration, I decided to wait for the letter with the reference number to come. It was the first week in XX/XX/XXXX and the letter never came.. I filed a complaint with the XXXX  on XX/XX/XXXX. The complaint number is XXXX. On XX/XX/XXXX a Citibank representative contacted me by phone and assured me that she was going to make sure the letter was sent out to me. 
I contacted the XXXX  letting them know what the lady told me and to close my complaint. The letter never came so I called the Citibank fraud department again and again was told the same the letter will be sent out. 
I finally received the letter call Citibank and gave them the reference number and they had the audacity to tell me that I was going to have to call back because they couldn't verify my identity even with the reference number they sent me or even the code the representative sent to my cellphone. I had been on the phone today 4 times with different representatives that acted as if it was the first time they heard about this issue. Right now it is XX/XX/XXXX and I have been on the phone with XXXX for an hour and 32 minutes trying to resolve this issue. 
At this point I asked the Citibank representative XXXX that I want to close the account and get my money back and I am still waiting on hold for the account to be closed. The thing that really aggravates me is the fact that they are taking fees out of the account. 
I hope you are able to help me because this is very frustrating and a waste of time. 

Thank you XXXX XXXX
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I deposited a check in the amount of {$11000.00} into our joint XXXX account ( me and my wife ) yesterday, XX/XX/2024, before Wells Fargo 's cut-off time and received a receipt which stated that the funds will be available tomorrow, XX/XX/2024. The check that I deposited was issued from my business account at XXXX XXXX which had enough funds to cover the transaction. I verified today with XXXXXXXX XXXX that my check was cleared overnight without overdrawing my business account. I contacted Wells Fargo Bank to find out what happened to my funds and I was told by the supervisor that my check was returned/unprocessed due to not enough funds to clear the check at XXXX XXXX XXXX I asked Wells Fargo Bank to release my funds right away since I have processed my mortgage payments which currently overdrawn my account, however Wells Fargo Bank is not willing to do so stating that they do not have the funds.I need to file a complaint against Wells Fargo Bank and file an investigation in order to chase my {$11000.00}.
Consumer complaint received 2022-10-27
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)

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

XXXX XXXX XXXX XXXX XXXX XXXX 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. 

15 U.S.C 1681 A ( I ) states a report should only contain information solely as to transactions or experiences between the consumer and the person making the report 15 U.S.C 1666 ( b ) ( 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. 

This company and account have been going against my rights and violation as a consumer under the fair credit reporting act this is unconstitutional. I have rights and XXXX XXXX has violated them all they sold my information to a third party reporting agencies without consent and I am being harassed and denied by banks and extension of credit for this detrimental and defamation of character being falsely reported to my credit report I ask that this account be investigated and corrected please send me a report with updated information
Consumer complaint received 2022-10-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I mailed a dispute letter to TransUnion. They mailed me a letter suggesting I didnt mail it. I personally mailed and certified my dispute letter. I have the tracking receipt to prove it. Please contact TransUnion to confirm I sent this letter. Tell them to provide dispute results.
Consumer complaint received 2024-04-20
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: SUN WEST MORTGAGE COMPANY, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have not received my payment vouchers to mail in my monthly mortgage payment. Each month I have called and spoken to a customer service rep. I was told they would overnight the voucher to me. In the XXXX months I have done this, not one overnight letter has arrived. And, I don't mean just late, they have not arrived! I called Tuesday, XXXX XXXX and was again told they would overnight the payment voucher. On XXXX, XX/XX/XXXX, the voucher had not arrived. I filled out a customer service complaint with SunWest Mortgage. I received a phone call from a customer service manager. He assured me it had been sent. However, it had not, just like the two previous months. SunWest Mortgage is a collection agency. If they show a pattern of late or non-payments, they can foreclose on my mortgage. All phone calls are recorded. They are not sending payment vouchers, nor are they overnighting them.
Consumer complaint received 2022-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (WA)

MOHELA acquired my loan from XXXX recently. It is almost impossible to reach them by phone, there is constant loops blaming the popularity of the federal program ( basically, they are blaming the federal government ). When I was able to reach someone once, they claim to not have my XXXX information from XXXX. I have absolutely no confidence in this organization and I fear I'll miss the XXXX deadline.
Consumer complaint received 2024-02-27
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. (AL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.