davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was selling an item on the app XXXX. An interested buyer contacted me. They gave me information which was a fake XXXX account. They proceeded to send me fake correspondence from XXXX indicating I needed to fund it as it was a business transaction/and that I needed to do this to establish a business account and I would be refunded the difference from the cost of the item I was selling. I sent XXXX payments totaling {$400.00}. After their third attempt to extort money from me I called XXXX. They told me the emails were Not from them and that there is no such thing as a business account. I then told the so called buyer and said they were scamming me. They denied it. Kept telling me we should follow their ( XXXX ) directions. I ended any more dialogue with them after that. 

XXXX will not intervene as that is their policy. They instructed me to take the issue to my financial institution XXXX XXXX XXXX. I filed a claim with them and they have denied it. 

XXXX XXXX, 2023 was when this occurred.
Consumer complaint received 2021-05-12
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$7500.00}, {$0.00}, {$54000.00}, {$1000.00}, {$340.00}, {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX. with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7500.00} -This is not my account. 


-- AUTO LOANS OR LEASES 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX LT with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$54000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$340.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.
Consumer complaint received 2021-05-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: U.S. BANCORP (FL)

In XXXX of XXXX my husband & I purchased a 5th wheel RV. At the time both of us were gainfully employed. Within months of this purchase my husband became very ill and was XXXX in XXXX for approx. 1 week. Upon discharge my husband was unable to continue working. As he was XXXX at the time, he was able to file for social security retirement benefits. His retirement income was approximately 70 % less than when he had been employed. As a result of this, we were no longer able to continue payments and we voluntarily surrendered vehicle to US Bank. US Bank took possession of the vehicle in XXXX of XXXX. In XXXX of XXXX, we did receive a statement that there was a balance of {$23000.00} due on the account. Since then, I may have received one or two notices about the amount owed, but we did not have anywhere near that amount to pay them. My husband passed away in XXXX of XXXX. On XX/XX/XXXX I received a summons that I was being sued by US Bank. I had received no notification of any intention to sue, nor any attempts to resolve debt. The last notice I received from them was probably in XXXX or XXXX.
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: Experian Information Solutions Inc. (TX)

APPLIED FOR XXXX CARD, BUT WAS DENIED. THAT IS CLEARLY UNDERSTOOD. BUT WHY WOULD CREDITOR PUT ON MY CREDIT REPORT " HARD INQUIRY '' WITHOUT MY PERMISSION?
Consumer complaint received 2022-11-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. I am attaching a Copy of the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681s-2 ( A ) ( 1 ) A person shall not fursnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable to cause to believe that the information is inaccutare.

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 advers item of information, other records of convictions of crimes which antedates the report by more than seven years
Consumer complaint received 2021-05-12
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: EQUIFAX, INC. (GA)

Information shall be excluded from credit report 15 usc 1681 ( c ) ( a ) 15 usc 1681 b Permissible Purpose : permission before pulling my credit. 

I didnt give anyone permissible purpose to pull my credit nor did I write a written statement for any bureau to allow someone to pull my credit. Is there any written documents or letter that shows a signature of my name stating I am giving anyone permission to pull, looks or touch my credit profile? By you allowing anyone to pull my credit without my consent that is a violation. 

I XXXX XXXX has found that Equifax has violated my rights as a consumer. I viewed my credit profile and notice several improper usage that took place. I am notifying Equifax that I am sending a warning with a Letter of Intent certified in the mail and I will take action to litigate this matter immediately. 1. Pursuant 15 usc 1681 ( c ) ( a ) 2. Pursuant 15 usc 1681 b. I did not provide Equifax nor any debtor permission to view, pull or place any information on to my credit report. I am the original creditor. I didnt personally contact Equifax through mail with no documents stating that I am allowing my credit profile to be viewed or pull for any extension of credit with XXXX XXXX Legally I must send in a legal document stating that I am allowing permission but I never did and Equifax does not have a legal documents with my signature stating such fact. I am seeking compensation for damages youve cost for years. The accounts that is listed on my credit report XXXX XXXX XX/XX/2017 which I didnt give anyone debtor nor credit bureau permission to pull my credit. I have attached the images along with documents of an invoice for compensation of damages. We can settle this out of court and I am only allowing 5 calendar days for this information to be removed immediately and permanently. If for any reason my credit report is used without my permission in the future I will file a law suit triple the amount of compensation I will be seeking. I am only allowing 72 hrs for deletion due to violation of Pursuant 15 usc 1681.
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CO)

I tried to file a complaint with the Executive Office at Chase regarding their rejection of a Bill Pay I requested to pay my annual property taxes. I filed a separate complaint on that matter with the CFPB. 

Chase apparently doesn't have a formal complaints process for customers. I talked to a phone banker, who transferred me to a supervisor, supposedly in a complaints department, who looked up my information and then wanted to transfer me to another department. I requested he open a complaint with their Executive Office to do the research and notify me on the resolution, rather than me spending time getting transferred around to different departments. The phone bank supervisor apparently entered notes of my complaint in their system, however would not give me any kind of complaints reference number, or name of anyone that would follow-up with me. 

Chase 's " complaints '' process is unacceptable. Additionally, they apparently have no controls in place- no call monitoring that I was informed of, or anything, to monitor the customer experience in trying to file a complaint.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Equifax ; XXXX and XXXX should not be reporting the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and should not be on my credit report. This false reporting is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (MN)

BBVA USA owned Simple Bank. On Friday evening ( XX/XX/2021 ) BBVA USA converted Simple users to BBVA, however, the conversion went horribly wrong. Thousands, if not all, Simple customers, including me, were locked out of their accounts and unable to complete the conversion and set up access to BBVA. 

Thus far, BBVA has sent out no emails to their customers about the problems and what they are doing to correct them. The only means of communication they are using, that I'm aware of, is XXXX. 

Although they have extended their support hours it is still almost impossible to contact them. I have been trying since last Saturday and at some point, each of those calls was disconnected. 

BBVA states that all pre-set transactions are still working and that the Simple debit cards still work at their network of ATMs. However, the only ATM within a reasonable distance of my house is out of order, so I will have to drive miles to an ATM to check my balance and see if any deposits have arrived in my account. 

BBVA 's response to this fiasco has been woefully inadequate. 5 days in and most customers are still without access to their accounts and their customer support systems are still not up to the job.
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (OR)

Hi there, I was a client of Simple Bank. Simple was recently purchased by BBVA. BBVA did not send easy instructions on how to setup my new account and in the process my account was locked. I'm now completely locked out of my savings and debit account unable to access my money. No one from the bank is accessible to help me with my issue. Many Simple customers are now stranded without any access to their accounts and without any support from BBVA. I've been waiting for some sort of email communication letting customers know how to resolve these issues, but we haven't heard anything from the bank.
Consumer complaint received 2021-05-12
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)

I disputed in XXXX several accounts that are not mine and several others that I was never late on. I also have unauthorized inquiries. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.
Consumer complaint received 2022-11-02
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: Experian Information Solutions Inc. (GA)

I have found inaccurate information reporting to my credit file. 

Please review the following Account name : XXXX XXXX XXXX Original Creditor : XXXX XXXX A collection is by default late AND past due Also, it should not be reporting as an open account Please delete this inaccurate information from my credit report immediately. 

Once you have completed my request, please send me a copy of my credit report reflecting these changes.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I XXXX is a living human being. Ive read my rights concerning credit reporting agencies. Under the Fair Credit Reporting Act Law 15 USC 1681 Equifax has violated my rights a number of times by law 15 USC 1681 I demand all of these accounts be removed because, according to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish any of these accounts. 
Furthermore Equifax has Violated 15 USC 1681 b ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) I was not treated fairly and these unfair credit reporting methods undermine my confidence as a consumer which is essential to the banking system and the banking system is dependent upon fair and accurate credit reporting. 
I demand all of these negative accounts be moved from my consumer report and file. 
XXXX XXXX XXXX Bank XXXX XXXX Bank XXXX XXXX XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Superior FCU should not be reporting to XXXX  ; Experian and XXXX  a collection/chargeoff in the amount of {$570.00} on the SUPERIOR FCU partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was paid off by the insurance company and should not be reporting as a collection/chargeoff. I have attached a copy of the payment history and any outstanding balance that was due was paid by the insurance company. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus as well as Superior FCU to remove this however, I have not been successful.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

There is inaccurate information reporting on my credit report the account must be placed under my social by mistake. I'm not responsible for this account, I do not recognize the account. I have not agree, sign or created debt with the creator reporting. I have attached my identity theft report.
Consumer complaint received 2021-05-12
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Freedom Mortgage Company (UT)

On XX/XX/21 FREEDOM MORTGAGE CORPORATION applied for a mortgage refinance on my behalf but without my consent. I had no contact with the company prior to this time. The application was submitted in my name with my address and social security number, along with a co-applicant whom I do not know. Co-applicant was listed at my same address. I contacted FREEDOM MORTGAGE CORPORATION on XX/XX/21 and XX/XX/21 but have not received resolution on the matter as they are unable to tell me how this application was submitted and have not corrected the inquiry with the credit bureaus.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The unverified accounts 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 accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the XXXX Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (CA)

BBVA USA was the parent company of Simple Bank. BBVA chose to close Simple earlier this year and planned to transition remaining customers to BBVA accounts. 

The transition was set to take place on Saturday, XX/XX/XXXX, and Simple customers were told this would be a seamless transition and, aside from the name change, we would not notice any difference. Simple customers were told there was nothing we could do leading up to the transition and it would all come together on the day of. 

XX/XX/XXXX rolls around and no one can access their bank accounts. BBVA did not reach out to the transitioning customers to make them aware there was a technical difficulty. In addition, no one could get through to customer service because they were closed. They never should have a transition on a weekend, let alone a transition without any customer support available. 

I went three days before I was able to access my bank account and my money. My card had been lost a few days prior to the transition so not only had I been unable to order a new one, but I also could not monitor my account for any suspicious purchases. 

I was lucky to gain access to my account on Monday, XX/XX/XXXX. Others are still not so lucky. With many still unable to even get through to customer service. 

We are now five, almost six, days into this transition and BBVA still has not communicated directly with their former Simple customers. We have had to seek out all information ourselves via their XXXX and XXXX accounts which are only updated about once every 24 hours. They have yet to send an email out explaining what happened, what they're doing about it, and what to expect forward as well their fees are. We're coming from a bank that did not have any fees, so they absolutely need to share this information with us. 

In addition to not directly communicating with their customers, they also changed our routing number - something they have been saying would not be done. This has caused people to miss paychecks and miss payments. 

BBVA has proven that they can not be a trusted financial institution. There has been very little communication ... their XXXX and XXXX posts have many words in them, but they say essentially nothing. BBVA has taken massive blunder and it made the customer 's job to fix.

At this point, it's been almost a week and BBVA has yet to even apologize for essentially storing their customer 's money in a black hole. 

I've already taken all of my money out of my accounts. I did it via XXXX because I couldn't even trust them to handle a simple transfer correctly.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I tried to get all 3 credit reports, two were successful but Transunion 's process is futile. The system claims they can't verify me, they give a phone number to call but the computerized system doesn't acknowledge the word " REAR '' in my address and it continues to loop around asking the same question over and over and over. I simply want a copy of my credit report