davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
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 (FL)

My name is XXXX XXXX. I am reaching out because I have been a customer with Bank of America since 2019. On XX/XX/XXXX at approximately XXXX I received a message from Bank Of America Security XXXX with unauthorized transactions. I did not authorize any transaction so I replied NO. I received another message stating I will be receiving a call shortly. I received a call at approximately XXXX. Once I answered the representative stated that he is in the bank of America fraud department and that he was going to help me out to open up a new account and transfer my funds because someone is using my card and has my information. He told me that I have the right to press charges and that there is an open investigation and my account is on 24 hr hold and being monitored. I only trusted this because it was coming from my bank and I just lost my card last week so it didn't seem suspicious that someone was intending to use my funds. The representative told me to XXXX him I asked Why would I have to XXXX? '' He explained that my card and information was compromised and I would lose all my funds if I didnt transfer it out the account. He told me to XXXX  a number and put my name in the message I did that twice and it wasn't working he then told me to cancel and try again with his colleagues number because he's assisting with the investigation I sent {$1500.00} through XXXX  to my Bank never authorized sending {$1500.00} to a complete stranger that had my bank information! He then told me to XXXX {$1200.00} as soon as I sent the XXXX I received a message from bank of America stating bank of America will never ask you to transfer money at that point I knew it was a scam I canceled the {$1200.00} transaction and I tried canceling the {$1500.00} but it was too late the transaction completed. I hung up on him and immediately called the bank. He began blowing up my phone and calling me multiple times. I did not answer waiting on a response from a representative to see if they really had someone from the fraud department reach out to me. They stated no and that it was a scam. I am in disbelief, shocked and scared that this happened to me. I really hope you guys look over everything and can help me get my money back. I just got paid after working more than 40 hours and That's the money I have been saving for my deposit because I have to move by next month. I can't believe this happened to me and that I got scammed by someone who pretended to be my bank! Please Help me. I need my funds Back. My bank Bank Of America ISNT DOING ANYTHING TO HELP ME. XXXX IS OWNED BY 7 BANKS AND BANK OF AMERICA IS ONE OF THEM AND THEY CANT DO ANYTHING TO HELP ME. THEY ARE HANGING UP ON ME, TRANSFERRING TO DIFFERENT DEPARTMENTS AND NO ONE CAN HELP ME THEY THINK THIS IS A AUTHORIZED TRANSACTION WHICH IS NOT BECAUSE OBIVOULSLY SOMEONE PRETNEDED TO BE THEM, PLEASE HELP ME!!!
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAVALRY INVESTMENTS, LLC (VA)

I have contacted XXXX their attorneys and their collections agency. I have been to court with their attorneys and was told if I sent them everything they requested they would handle then case outside of court. They asked for an XXXX XXXX affidavit a police report and the statement from XXXX. I supplied all of those items and have not heard anything back. I have also created a fraud alert and froze my credit at all 3 reporting companies. Yet I still have heard nothing from them. We have court next week and I have no idea if I am still supposed to go or not and court is almost an XXXX XXXX away I would appreciate it if they would keep their word and prosecute the people I told them had access to my information and the ability to set this account up in my name.
Consumer complaint received 2022-11-14
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. (GA)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please re-investigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I am formally requesting to remove or update the following Accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : XXXX XXXX Balance Owed : {$8400.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-04-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (CA)

As a XXXX Checking Bank Customer, we were told to submit all international wire via Bank of Mellon as stated on their website. I initiated an international wire from my XXXX XXXX XXXX account to Bank of Mellon on XXXX. Yet 2 weeks later, the wire is nowhere to be found. The value of the wire is over $ XXXX USD. When I called XXXX, they said the money is stuck with Bank of Mellon. When I called Bank of Mellon, they said they can't talk to me. XXXX XXXX insisted they sent the money properly and they traced the money to be at Bank of Mellon. I would like the CFPB to step in and ask Bank of Mellon to trace my funds transfer. They need to deposit it to XXXX XXXX  ASAP.
Consumer complaint received 2022-11-25
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)

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 USC1681. 
XXXX XXXX # ACCOUNT XXXX DATE OPENED XXXX XXXX XXXX XXXX  XXXX DATE OPENED XXXX Has violated my rights. 
15 U.S.C 1681 SECTION 602 A.STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681SECTION 604 A SECTION 2 : IT STATES A CONSUMER REPORTING AGENCYCANNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCYMAY TAKE ANY CONSUMERREPORT CONTAININGANY OF THE FOLLOWING ITEMS OF INFORMATION.ANY OTHER ADVERSE ITEEEEEM 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 THEPERSON KNOWS OR HAS A REASONABLE CAUSE TO BELIEVE THE INFORMATION IS INACCURATE
Consumer complaint received 2022-11-14
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. (TX)

On XX/XX/XXXX I contacted Experian about the following negative accountXXXX XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$18000.00} ), XXXX CARD ( Date Opened : XX/XX/XXXX, Balance : {$11000.00} ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$670.00} ), XXXX  XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX  COM XXXX TX ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5900.00} XXXX XXXX XXXX XXXX XXXX ), XXXX  FIN ( Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX XXXX LL ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC (IL)

On   XXXX    , Nationstar Mortgage negatively reported the status of loan account #  XXXX  on my credit report. This account was surrendered an d discharged in   my chapter  XXXX  bankruptcy on  X/XX/2017   .
Consumer complaint received 2022-11-25
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. (NY)

Transunion has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. I am submitting this complaint to you today to request that Transunion provide me copies of documents bearing my signature to verify the status of the disputed account. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. The account below needs to be corrected : XXXX XXXX
Consumer complaint received 2024-04-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

In XX/XX/XXXX, I spoke to XXXX  XXXX XXXX which is their client and told I did not owe anything. I did received any letters from Transworld Systems regarding a debt with their client. Therefore, I had no need to think I owe their client any money. I requested proof of the debt and to contact client until then do not contact me via any communications. I did not receive any documentation with proof of debt. 
On XX/XX/XXXX and XX/XX/XXXX, I received emails regarding the same debt. At this point, this company refused to send proof of debt and have continued to contact about a debt not owed.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (TX)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. code 15 U.S.C. & 1681 Section 604 of The Fair Credit Reporting Act.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their own grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX 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 information. '' ( WESTLAKE FINANCIAL SVCS ) 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. '' ( WESTLAKE FINANCIAL SVCS ) the financial institution and the Consumer reporting agencies XXXX 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, ( WESTLAKE FINANCIAL SVCS ) whether 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. '' ( WESTLAKE FINANCIAL SVCS ) 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 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.
Consumer complaint received 2022-11-25
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account 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 2017-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affiliated Acceptance Corporation (IL)

In XXXX 2009 I joined XXXX XXXX XXXX in XXXX Indiana. About a year later I moved to XXXX which did not have a club with the same company so I could not continue my membership. This was turned over to collections and I made over 20 phone calls and finally the owners son was able to help me by finding my cancelation and he got the calls stopped and it did not apear on my credit. Now the company Affiliated Acceptance corp XXXX reported to my credit. The business is closed and they can give me no way to contact the business to get proof I canceled properly and they refuse to take it off my credit. HELP!
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2022-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX have XXXX XXXX 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 2022-11-14
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. (FL)

The following unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-23
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. (NJ)

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: CITIBANK, N.A. (VA)

I am writing to formally raise a complaint regarding the professional conduct of XXXXXXXX XXXX XXXX a loan XXXX at Citi Bank, who has been handling our loan application. My intention is to outline several incidents that have raised serious concerns about XXXX XXXX XXXX XXXX  ethics and professionalism. 
Initially, XXXX XXXX XXXX presented herself as particularly capable of understanding our financial situation due to our shared cultural background. She recommended utilizing the Citi Mortgage Relationship Pricing to secure a lower interest rate on our loan, with a target rate of XXXX XXXX XXXX XXXX XXXX XXXX XXXX We were led to believe that depositing a certain amount of money for XXXX days was a viable option under this program. 
However, close to the final stages of the application process, XXXXXXXX XXXX XXXX informed us that funds from XXXX were not eligible for this programa crucial piece of information that was withheld until it was too late on XXXX XXXX. This omission has not only caused significant frustration but also delayed our application process unnecessarily, making us feel trapped in a deceptive scheme. 
Further complicating the matter, XXXX XXXX XXXX  then advised us to " shop around '' for better rates using an email address ( XXXX ) she provided, and subsequently to request that Citi match these rates. Before giving us the contact, she asked us to sign the " Citibank Competitive Offer Pricing Match Confirmation on XXXX XXXX She specifically instructed us to claim a XXXXredit score of XXXX and inquire about the XXXX ARM rate. Following her guidance, we received a rate of 6.125 % from the provided contact on XXXXXXXX XXXX 
I am concerned that these actions show a conflict of interest and lack of transparency that might not only affect us but other clients as well. This behavior seems contrary to the ethical standards expected of financial professionals and could potentially harm the trust and integrity clients place in Citi Bank. 
We are prepared to provide all relevant communications, signed documents, and additional evidence to support this complaint. We trusted XXXX XXXX XXXX based on her professional position and our shared background, and it is disheartening to feel misled and manipulated. 
I hope that this issue will be taken seriously and investigated thoroughly. We seek assurance that such practices are not commonplace at Citi Bank and that appropriate actions will be taken against any unethical behavior. 
Thank you for your attention to this serious matter. We look forward to your prompt response and a resolution to our complaint.
Consumer complaint received 2022-11-14
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. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/2022 -XXXX XXXX XXXX XXXX  NEGATIVE ACCOUNTS : -XXXX XXXXXXXX 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 an account without my written instructions.