davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. ()

I would like to draw your attention to XX/XX/2022. I had sent my complaint letter to Binance, in which I clearly stated how this scam has affected me XXXX XXXX XXXX XXXX. 

Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX removal which involved me making deposits for a total amount of XXXX XXXX from my XXXX XXXX  to Binance at the instructions of the scammers. 

In this case, it is perfectly obvious that Binance could have, and should have, utilised various risk-based examination procedures and techniques, all of which are within their purview and legal obligation, and could have entirely prevented this disastrous outcome.
Consumer complaint received 2017-03-17
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Bank of American can not provide assist me with my second mortgage that was charged off during the foreclosure in XX/XX/XXXX. I fought five year to keep my home in which the foreclosure was rescinded and I received a modification. First payment of the modification was XX/XX/XXXX. I tried to refinance last year due to the fact that my interest rate stayed the same ; 6.375 %. I was not going through BofA for the refinance. I was asked for the clear title for the second mortgage ; however, BofA can not provide me anything nor provide any assistance to how to get through this hurdle regarding the charge off. When I contacted BofA I was told that I could not refinance until four years of having the modification. However, I was told at BofA when I got my mod documents notarized I could refinance any time. The charge-off is to be removed from my credit report XX/XX/XXXX ( I have not check ) ; however, it still remains that I ca n't get any help on the charge-off of the second mortgage. I will be XXXX this XXXX and the high mortgage is creating a financial hardship. I could get some relief with a lower payment by refinancing and a lower interest rate. I fought to keep my house and those non-payments were added at the end of the modification, which I understand. I just want the charge-off cleared up so I can refinance. I really need some assistance in this matter. I wish I had known of CFPB when I was fighting to keep my home from XX/XX/XXXX - XX/XX/XXXX.
Consumer complaint received 2021-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi my name is XXXX XXXX XXXX i live in XXXX ca i have an account with bank of america and it been a night mare from day one that i foumd out i have an account with them okay back in XXXX of 2020 i ooen my XXXX clam they send me a card thew the mail so i was waiting from my card well i call XXXX a lot of time ti check the status of my catd all they woukd tell me me was it on it why well for some resion in XXXX of XXXX they tell me o you can call bof a to check on your card so i do they tell me i need to go into bank to verify my id so i do well. XX/XX/XXXX this night mare started i go into bank they tell me some one is using my card they sent me in the mail i ask what card iam still waiting for it they tokd me no you got it back in XXXX i said you thin i would be here in the bamk tryinhbti get my card if i had it aready so they tolf me okay eell we can XXXX that card issue you a new card and issue you a XXXX right now untik you get yur new card you will be avealble to access your money i did not have a choce so i did wjay ghey told me i also udated my info i tje bank well they sent my new card to the same addrsss luckly i fowered my mail from thre i git my card because of my mail being fowarded to my address well i get my card i try to accivate it now my accunt closed my clam closed and my card frozen this happen two days aftrr i put my clam in so now i have to out a reqest in to reopen my account takes 2 mounths then i have to put in a reqest for them to reopen myclam have to investagat it can take 45 days but they closed my ckam 2 days after againg and tge same thing over amd over and over and over need help because i dont think there taking this seruse this is my money i am goung trew hard ship and this is aking it a lot more dificult then it needed to ne
Consumer complaint received 2017-09-19
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. (DC)

To Whom It May Concern : I am writing to file a complaint against Transunion, XXXX and the XXXX XXXX XXXX XXXX. 

I have filed a credit dispute over inaccurate information listed on my credit report, because I am in the process of applying for a home loan. I have waited over 30 days and tried to give Transunion a chance to resolve this issue. I filed a re-investigation, and still to no avail Transunion and the XXXX XXXX XXXX XXXX has chosen to violate and ignore the statutes of the Fair Credit Reporting Act, along with the Fair Debt Collections Practices Act. I have duplicate accounts being reported by the XXXX XXXX XXXX XXXX with incorrect amounts listed. I asked for my investigations to include validation to ensure the accuracy of information listed. I have legal documentation of my attempts to have inaccurate and false information removed. It has now been close to 90 days where fraudulent inaccurate information, has been publicly shown after my intial dispute. These same accounts have been sold previously with new contracts created. So why have these particular accounts been opened and closed continuously adding additional funds and inaccurate information? I the consumer have had to pay for these discrepencies, by being halted from moving forward with my home buying process. Even though I was told that I would get this accurate validated information presented to me by mail within 30 days. I have received nothing. I am requesting that the incorrect and unvalidated information be removed from my credit report, in accordance with the provisions provided to me by the Fair Credit Reporting Act 616 ( a ) [ 15 USC 1681n ].
Thank you for your assistance.
Consumer complaint received 2023-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (IL)

On XX/XX/XXXX my account was closed and {$11000.00} was debited from the account after 3 years going back and forth. The bank claims they sent the money to someone else. They have not provided proof of whom they sent the money to. This has been going on since XX/XX/XXXX. I filed a complaint then and nothing happened. I filed another complaint on XX/XX/XXXX thats when the bank decided they had made their interest and fees They finally gave me access to the account and lifted the freeze after 3 years.
Consumer complaint received 2023-02-03
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. (CA)

I am appalled by the ability of Transunion to ignore a consumer 's requests to investigate and correct the information being reported on my Credit report despite the countless dispute letters and CFPB Complaints I have been sending. I have read enough to understand my rights which is clearly being violated by the Credit reporting agencies. Transunion must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

15 U.S. Code 1681eb I reviewed my consumer reports and noticed that I have late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never late on payments for the accounts that I have included screenshots inside this complaint. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late and this account is paid in full. This company is not reporting my payments and have inaccurate dates and inaccurate reporting across the board. Please see screenshots attached :
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Ive been disputing my account with XXXX, Equifax and XXXX for quiet sometimes now and they still have not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

XXXX Account # : XXXX Equifax Account # : XXXXXXXX XXXX Account # : XXXX I have sent and screenshot of my credit report as long with my credit report and this debt has been canceled you can see it on the comment section. If Im not mistaken canceled means that the debt has been written off to the IRS so I have every right to have this account removed from my credit report.
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

American Express Platinum- I have requested SCRA benefits be applied to my card on 3 different occasions since opening the card over a year ago. They still have not sent a response. I have called and been told by the representative that I do not qualify for SCRA benefits however according to SCRA benefits guidelines I do qualify as well as all my other cards with other companies I have been granted the benefits.
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

XXXX weeks ago I closed a credit card account with Bank of America.The account number was XXXX XXXX XXXX XXXX. The account had a credit of {$24.00}. XXXX weeks ago I contacted Bank of America and a representative told that they were going to mail me a check for {$24.00} corresponding to the credit that I had in my credit card account. The check has not arrived yet. XXXX weeks ago I contacted Bank of America again and a representative told me that they were going to mail me a check. The check has not arrived yet. Please request Bank of America to mail a check with the amount that they own me.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My TransUnion credit report shows the following : Credit Alert : New Inquiry Reported by : XXXX XXXX XXXX XXXX XXXX Reported on : XX/XX/2022. 

I've done no personal business that would require a credit inquiry reported on that date. When I made my first call to TransUnion, I provided the following PII via their automated phone system : 1. billing zip 2. social security number 3. date of birth 4. numeric street address I also had to answer, via the phone system, at least 3 screening questions. When the agent began my call, she referred to me as " XXXX. '' She explained that was the name the system generated after I provided four pieces of PII and answered three security questions. When I explained that I am not XXXX, she wanted me to provide my PII again. 
I am very concerned that someone named XXXX has stolen my PII and used it to apply for credit. Again, I made no credit applications that would have required a credit inquiry reported on XX/XX/2022 and the fact that TransUnion referred to me as XXXX after I provided this PII is scary.
Consumer complaint received 2022-12-21
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account 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 2017-03-21
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CA)

I went to XXXX XX/XX/XXXX - XX/XX/XXXX. The first night my card was fraudulently charged in the amount of {$1600.00}. The remainder of the trip, my account was in the negative. I attempted to call Chases 's international number numerous times and call would not go through. I also sent 23+ emails through the Chase app secure message feature. I also received emails appearing to be from " Chase Online '' but were actually from XXXX asking me to click on a link and that my account has been temporarily suspended. Chase contacted me Sunday night to notify me the {$1600.00} charge was not fraudulent, and that the merchant read my chip. I am now almost {$2000.00} in the negative from these fraudulent charges from a purchase I never made. Chase will not refund the charges, I was robbed and they 've done nothing to assist me with resolving the issue and do any further investigation.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXXXXXX XXXX did not nor did the company they are working in conjunction with take the take the proper notification procedures to notify me of any action, this is very unprofessional and Im sending this malicious activity to my attorney if this isn't removed from my report
Consumer complaint received 2022-12-21
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. (FL)

I asked the credit bureaus to do a thorough report. After doing that I still found inaccuracies on my report through my own thorough research. This is for XXXX XXXX XXXX In accordance with the fair credit reporting act 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 an account without my written instructions
Consumer complaint received 2022-12-21
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: CBC Companies, Inc. (FL)

XXXX XX/XX/2022, I requested the " METHOD OF VERIFICATION '' on the alleged accounts on my consumer report. I recently Challenged this account with the consumer reporting agency, stating they have " verified '' these accounts. I requested the " METHOD OF VERIFICATION '' with Innovis Consumer Assistance, with no response or explanation to this matter. Everything on a consumer report must be accurate and complete. 

15 USC 1681i ( Procedure in case of disputed accuracy )
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

From XX/XX/2022 thru XX/XX/2022 I over paid. Wells Fargo charged me twice. And gave me overdraft fees. My bank account went into a negative state and I told them that I don't spend money I don't have. I can't overdrafts on this account and when I told them this the lady to me I was making bad choices. If I can't go into overdrafts and di my account go {$350.00} over. This is not the first time it has done this but I don't know the other date. I paid it but now that I see they have been getting there customers I'm sure I was right. I very righteous about spending money. If I don't have it I don't spend it. I pay very good attention to my account and know what I have in there. No I don't use this account that often because of that.
Consumer complaint received 2022-12-21
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. (GA)

XX/XX/2022 inaccurately reported a 30 Day Late {$680.00} XXXXXXXX XXXX # XXXX In accordance with the Fair Credit Reporting Act 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2017-01-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Credit and Collections Inc. (MD)

About 5 years ago my daughter attended XXXX where they required a large upfront payment over XXXX dollars and the program was for several months. Each week she would have to make a payment prior to class and the financial arrangements were to be completed by the end of the class. My daughter graduated from the school and really it was a joke but that 's not the point. 

I recently pulled my credit report back in XXXX of 2016 and disputed this collection only to be met with no verification of debt but a simple consumer disagrees. I have sent disputes to the credit bureaus and letters and would like this issue resolved.
Consumer complaint received 2024-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

I applied for the save plan in XX/XX/XXXX, I also consolidated my loans at this time. Mohela made an error in processing and attempted to apply the save plan while the loans were being consolidated. In XX/XX/XXXX I received a save plan rejection letter due to having a {$0.00} loan balance as my loans were paid off when being consolidated. 

Mohela apologized and confirmed my save plan would, now be applied since my loans were now consolidated. 

I called back in XX/XX/XXXX, and was told that due to an error in the system, my save plan was never applied as when loans are consolidated the payment plan you select does not carry over. They instead placed me on a general plan where my monthly payment would be over {$1300.00} per month. Please bear in mind my monthly payment on the save plan would be {$0.00}. 

I was told to reapply for the save plan in XX/XX/XXXX and did so, when I called on XX/XX/XXXX. I was told due to a system error on XX/XX/XXXX, the save plan was not processed. Mohela confirmed they did not alert me that there was a system error and it took me calling back to wonder what was taking so long to find this out. I was told to leave a message with the resolutions line and was told I would be called back in 24-48 hours. I have received no phone call or communication. 

I want my save plan applied and I want all new accumulated interest between XX/XX/XXXX and XX/XX/XXXX to be waived as I have been placed in administrative forbearance during this time period due to Mohelas errors.
Consumer complaint received 2024-03-06
Product: Credit reporting 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)

Please do not close this dispute as I do not accept the response To ensure that the non-creditor report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 
I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. The non-creditor stated they will send the requested information in the mail however I feel as this is a stall tactic on their behalf, and I believe it to be a blatant violation of the FCRA. 
In addition please provide the contract signed between XXXX XXXX XXXX XXXX XXXX XXXX XXXX notarized and sworn under penalty and perjury for XXXX XXXX XXXX ability to collect this alleged debt.
Consumer complaint received 2017-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have submitted all the paperwork to Transunion, by fax and regular mail about this account and it was removed, but it has showed up again without notice. I paid XXXX my final payment, a restrictive endorsed check for {$25.00} which is legally binding & what I was willing to pay. The terms were that by cashing my check, they are accepting my agreement to delete the account from all XXXX credit bureaus. If they did not agree, they could have simply sent my check back as stated in the letter that was enclosed. I am again attaching my cashed check and the letter I already sent to Transunion. This account was since deleted from all XXXX credit bureaus and have been re-inserted without even a notification anyway, which violates the FCRA 's Notice to consumer, that, " If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ''
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (VA)

Several Call regarding the updating of my account to the three major credit beaureaus.

Called 3 times in XXXX  and again in XXXX  and was told they already updated my account info to the credit company
Consumer complaint received 2024-03-06
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. (FL)

I am writing to dispute several inquiries on my credit report that I believe are fraudulent. I have no association with the listed creditors and did not authorize these inquiries. I am concerned about the potential impact these fraudulent inquiries may have on my credit score and financial well-being