davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of america opened a fraudulent commercial business account and removed {$20000.00} from my original checking account. Also had someone remove {$500.00} from a bank in New York. I live in XXXX. They said the {$20000.00} was transfered digitally. They denied the claim to return then funds.
Consumer complaint received 2023-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

XXXX XXXX XXXX  Credit card expedited to me, WENT to activate it and when I did it already had 2 pending charges on the account.Immediatly called bank of America and told them to close the card. On the site it wouldn't even let me freeze the card.I called I was informed it was froze and closed. Then also got a call the next day from a live person that asked me if I make a new purchase at a grocery store. I TOLD HER I called and was told they closed the card for me because of what Happened the day before. She told me it was not closed and I was once again told TheCard Is Closed now by her.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (MA)

I hope this letter finds you well. I am writing to request the removal of an account from my credit report that has been negatively impacting my credit score. 
I want to express my gratitude for your willingness to work with me to reach a settlement on these accounts. It was a challenging time for me, and I appreciate the understanding and cooperation that your team extended during the negotiation process. 

As part of our settlement agreement, I fulfilled my financial obligation by making the agreed-upon payment. Since then, I have upheld my end of the agreement by maintaining timely payments on my other financial obligations. I believe this demonstrates my commitment to improving my financial standing and taking responsibility for my credit history. 

Now that I have fulfilled the settlement agreement, I kindly request that you take the necessary steps to remove this account from my credit report. I am aware that the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies report accurate and up-to-date information. Given that the account in question has been settled, I kindly request that you report the updated, accurate status to the credit bureaus. This action will help me rebuild my credit and move forward with my financial goals. 

Please consider this letter as a formal request under the FCRA to investigate and update the status of this account on my credit report. I kindly request that you provide me with written confirmation once the account has been updated or removed from my credit report. 

please do not hesitate to contact me at XXXX or XXXX I appreciate your prompt attention to this matter and your cooperation in resolving this issue. I look forward to a favorable response and the timely removal of the account from my credit report. 

Thank you for your assistance in rectifying this situation and helping me work towards a better financial future. Your cooperation in this matter is greatly appreciated.
Consumer complaint received 2018-07-20
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I have been trying to have a buyer assume my VA mortgage. It has been almost a year and the process has not been completed. Ive called and emailed dozens of times to see what is going on and nobody will return my calls. What can I do? My buyer is qualified and has over 20 years experience as a mortgage broker and we are both at a loss.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

RE : Dispute of 30 day late payment Dear Sir/Madam I am writing to dispute a 30 day late payment entry on my credit report. I have reviewed my report from your agency and found an inaccurate late payment entry. 

Account XXXX : XXXX XXXX  Date of late payment : XX/XX/year> This information is incorrect because my payment due date was XX/XX/year>. I have provided credit card statement documents showing that I made a full payment on XX/XX/year>. Under the FCRA a 30-day late payment refers to a payment that is 30 days or more past the due. With my evidence showing full payment means that I was not late. I kindly request that you delete the 30-day late payment reflected on my report, to accurately show it as payment made on time.
Consumer complaint received 2023-05-10
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. (MI)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-12-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services (CA)

I applied for the SAVE Income Drive Repayment plan on XXXX. The student aid government site indicates my application was processed the same day and it says the next step is for my loan servicer to decide which payment plan I qualify for and process the application. It has been > 3 months. Each time I call, I cant get through to EdFinancial ( my loan servicer ). When I XXXX this issue, I found many others with EdFinancial loans complaining of the same issue. All while my teacher colleagues with other loan servicers have had their applications processed in 1-2 weeks and are paying little to no interest.
Consumer complaint received 2024-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-01-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Tower Loan of Mississippi, Inc. (AL)

I received a check in the mail from Tower Loans. I understand that the check is a loan and I am obligated to pay. Since cashing the check, I have made a payment yet got behind. On XX/XX/XXXX, a XXXX gentleman comes to my door and asks my son to speak to XXXX XXXX. When approaching the door, I noticed an envelope in the gentlemen 's hand. He said he was with a tower loan and wanted to give me a letter. I advised them that I know I was behind and will pay them. I have had several loans from this company and have paid all in full, often before the contract ends. As he continues to try to talk and hand me the letter, I politely closed the door. He appeared to be leaving and I went to my bedroom ; however, approximately 15 minutes, my nephew came and handed me a letter from this XXXX guy. Furious, I contemplated not paying as anticipated, but went ahead and made a payment the next day or so. Today, XXXX, XX/XX/XXXX, I finally open the letter and it reads ... " Dear XXXX XXXX XXXX, Our records indicated that the amount you are past due is {$620.00}. Please call me immediately to discuss the situation. '' Considering my payment history on past loans with this company, I feel the visit was totally uncalled for and unprofessional. The gentleman expressed no empathy and was actually gigling as he knew I was embarrassed.
Consumer complaint received 2023-10-07
Product: Credit 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: TRUIST FINANCIAL CORPORATION (DC)

Truist Fraud Management Claim No XXXX XXXX On the ATM/ Check/Electronic Check error Resolution Form there was a mistake where the sender pre-typed some wrong information. I was sent this form and was asked me to fill out the unmarked items, after looking over the form they pre-typed on line # 5 that I had my PIN # written on the back of my card. I did not put that there and they would not let me refute the claim or ask any more questions. 

I wanted a through investigation of the initial phone conversation when I made the claim. I do not recall answering question # 5 saying that my pin number is on the back of my card. 
I also went into the branch to make a claim and it wasn't submitted correctly so it delayed my claim for two weeks, i would also like that investigated.
Consumer complaint received 2018-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc. (VA)

I just reviewed my Credit Report and as of XX/XX/2018 XXXX XXXX/XXXX XXXX reported that I have a Debt in the amount of {$280.00}. I contacted the company and asked them to verify the social security number and also the date of birth because I was out of state in college when this charge occurred. The Customer service rep at XXXX stated that this was not my debt because they had a different social security number and also a different date of birth. I will like this to be removed off of my credit report immediately. I am a young college student that is trying to continue having good credit.
Consumer complaint received 2023-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (LA)

My Wells Fargo credit card was charged {$1500.00} on XX/XX/2023 for XXXX Web services. I was initially contacted by the company via text message for possible fraud. I initially did not respond because I thought this may have been a phishing attempt, but when I noticed the charge on my statement I immediately contacted the company, perhaps only a day later and initiated a fraud claim. They issued me a new credit card, however, the charge was posted to my new credit card and I never received a credit for the amount that was fraudulently charged to me that I had paid when I paid off the balance on the account.
Consumer complaint received 2023-10-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX I have recently been informed that there is a negative claim reported by XXXX XXXX XXXX XXXX XXXX XXXX  account on my consumer report and under my Social Security number. Upon reviewing a copy of my consumer report, I see an entry listing I have a {$3300.00} Charge-Off with major inaccurate information and it is affecting my consumer report. This account is being illegally reported on my credit report. I requested method of verification on this account. How is this accurate if this account is reporting inaccurate due to no reported monthly payment amount, the term duration, credit limit amount is inaccurate, last reported date is inaccurate, last active & last payment date is inaccurate. Therefore, I am now formally requesting method of verification according to the Metro 2 Compliance standards. Any automated response, or E-Oscar verification is unacceptable. This listed item is entirely inaccurate and incomplete and must be deleted. Furthermore, if at any time during your investigation the above account is verified by XXXX XXXX XXXX XXXX XXXX. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question.
Consumer complaint received 2023-02-10
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. (TX)

I am in the process of purchasing a new vehicle and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( 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. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
[ No Name of Account ] - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I've asked several times for the item to be removed and spoke with them about this being fraud, but they've yet to remove it. [ XXXX credit card ending in XXXX & XXXX XXXX Account ending in XXXX ] I've failed an FTC report detailing the fraud. Initially I was told to focus on the CFPB, but I've filed several disputes and it hasn't been working. They provide me a blanket answer.
Consumer complaint received 2023-11-08
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. (SC)

In accordance with the fair credit reportingt Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/2023 My account was/is being held from making any transactions. A debit amount of {$980.00} was taken out of my account and a amount of {$20000.00} is being held on my account keeping me from accessing my money in my account.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I've asked several times for the item to be removed and spoke with them about this being fraud, but they've yet to remove it. [ XXXX credit card ending in XXXX & XXXX XXXX Account ending in XXXX ] I've failed an FTC report detailing the fraud. Initially I was told to focus on the CFPB, but I've filed several disputes and it hasn't been working. They provide me a blanket answer.
Consumer complaint received 2023-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX Orignal creditor : XXXX XXXX Account number XXXX Date opened XXXX XXXXXXXX XXXX Account type Collection Status Collection account. {$3900.00} past due as of XX/XX/2023. 
Status updated XXXX XXXX
Consumer complaint received 2023-05-16
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. (OH)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-07
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (AL)

I received my statement for Comenity The Children 's Place charge card. I paid the card off last month, XXXX. It was surprising when I received a statement with an interest charge of {$2.00}. 

I called and spoke to a representative. I asked her how can I accumulate interest on a XXXX balance. She said interest still accumulates if the balance isn't paid off 30 days after purchase. She said something about an interest saver feature. I thought I was saving on interest by paying off my balance. This is a deceptive feature of their card. 

This made no sense to me. I paid off the bill in XXXX. How is interest still accumulating on a XXXX balance? I wonder how many customers have paid interest on a XXXX balance since they didn't pay their balance off in 30 days after purchase. The customer service rep is supposed to delete the interest off of my account, but I don't trust them. Am I going to get another interest charge next month on another XXXX balance? How can per day interest count on XXXX dollars?
Consumer complaint received 2024-03-29
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. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX XXXX , Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, Equifax, XXXX or XXXX XXXX XXXX XXXX it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.