davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
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: EQUIFAX, INC. (GA)

XXXX XXXX Bank stated that my credit report with XXXX and Equifax. My credit report is not locked with either company. I see the inquiry is listed on XXXX and Equifax. I contacted XXXX XXXX  and they argued me down that my credit reports were locked. I looked on XXXX and Equifax and I see the credit inquiry on both. I called XXXXXXXX XXXX on three different occasions and they are still telling me my credit file is locked. At this point I would like for XXXX and Equifax remove the inquiry that was placed on my credit file by XXXX XXXX XXXX immediately . I have attached a copy of the letter for proof.
Consumer complaint received 2018-04-16
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 (MA)

My checking and savings account that I have through the Bank of America was compromised online on XX/XX/2018 by a person or persons from XXXX. The bank failed to provide adequate security over my account with the initial transactions when the individual ( s )  transferred 3 large sums of money from my savings account into my checking. It wasnt until after the transfers that I received an alert informing me that there was unusual activity on my account, which I believe should have caused the bank to freeze my account. This did not happen. I informed Bank of America that the transactions were not made by me and that I also I noticed that someone had successfully completed over 300 transactions and started buying XXXX with my checking account. I went to one of the banking centers and was informed that I could not be helped and my questions and concerns were promptly dismissed which led me to file a complaint against the manager and the employees with their area director which turned out to be fruitless. I have called the BOA debit card fraud department and was hung up on after being told by multiple managers and employees that there was nothing that could been done to help me. I proceeded to go to another banking center where an employee has been trying to help me but management seems to treat her the same way and I it doesnt seem that they want to resolve this issue. I have been repeatedly told by multiple managers with the debit fraud customer service call center that it is my job to figure all of this out. I had a XXXX XXXX last year, which I have disclosed to the people at Bank of America, and the endless battle of being constantly dismissed and losing such a large amount of money has caused my stress levels to increase dramatically. Yet it seems that they still refuse to help me. Can someone please contact me regarding what steps I can take to correct this blatant disregard for my financial well-being and personal health. I have {$18.00} of my funds that are unaccounted for and I would appreciate any help with this matter because the bank has said it is up to me to figure out how much funds are missing and how to go about receiving resolution but I see no way to do this if they will not listen to me.
Consumer complaint received 2022-11-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I received a call from my XXXX brother from someone who called and claimed that they attempted to deliver documents to me but could not reach me. 

I reached out to the number and it was connected with XXXX XXXX XXXX, and the contact person was XXXX XXXX. 

This person claimed I had a debt with Bank of America ( never had a relationship ), then claimed it was a credit card with XXXX, I paid all my credit cards and my credit score is reasonably good. 

Person then claimed that there was a court date and that I would be sued for the debt. The person also claimed that my place of business would be contacted and that debt would be placed against my property- including house XXXX car, etc. I told the person that I needed to receive whatever claim of documentation. The person insisted that the call constituted 2 forms of contact and as mediators they did not have to do so. They also claimed I had the account for 6 years. I do not recall such a debt and have paid any all credit cards that I had or have. 

My major concern is that this entity has my personal information.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

My credit report is reflecting a bankruptcy >Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I contacted the court and they responded do not to you or any credit bureau for that matter ; therefore the item with the court was either an error or fraudulent. The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting and all the accounts mentioned have violated my rights.

15 U.S.C 1681 section 602A States I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish any account with my written instructions. These entities are not FEDERAL GOVERNMENT AGENCIES!!!!!!!!!!!!!!!!!!!! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit report is reflecting a XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted the court and they responded do not to you or any credit bureau for that matter ; therefore the item with the court was either an error or fraudulent. The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2020-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (AE)

On XX/XX/2020, I XXXX XXXX attempted to usemy CapitolOne Platinum Credit Card ( Last XXXX XXXX ) with XXXX  to purchase {$2000.00} K of XXXX and XXXX XXXX. I receive a message from the website that it was denied by the Financial Institution, CaptiolOne. I contactedCapitolOneManagement. I explained to them that theres nothing in my contractstatingIcannot purchase foreign currency or cryptocurrency. The platform is similar toXXXXwhich is allowed and has the same level of risk with daily value. They did not give a specific reason for denial, nor did they say that it was in conflict with the law, but referred me to the contract. I asked for specific paragraph and line but was denied. I stated that this a service and finish good that meetsthe standard for Sarbanes Oxley ( SOX ), meaning it meet fair businessand accountingpracticesand General Accepted Accounting Practices ( GAAP ) criteria. They stated that I was correct but elected to deny the transaction. I did let them know that most financial business are not particularly liking XXXX based on the model. It is more desirable for the consumer eliminating fees, thus cutting into their bottom-line. The attempt to not allow me to purchaseXXXX XXXX or any other medium, is a conflict of interest. I ask for copy of my complaint. I was rebuffed as I asked, but they stated it would be denoted in my file
Consumer complaint received 2022-10-26
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. (PA)

XXXX XXXX, In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

These following names, accounts & addresses are incorrect and are violations to my rights : Name ( s ) : XXXX XXXX XXXX, XXXX XXXX XXXX Account ( s ) : XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX ACCT # : XXXX, XXXX/DEPT OF ED ACCT # : XXXX, These following addresses must be removed : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX, XXXX XXXX XXXX XXXX PA XXXX, 15 U.S.C 1681 Section 602 A. States that 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 1681c. Section ( a ) ( 5 ) : States that no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) States that 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.

REMOVE THESE ITEMS FROM MY REPORT AND PROFILE IMMEDIATELY.
Consumer complaint received 2022-11-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items below, but the bureaus have not removed them or proved validation. 

Sec. 602 State, I have a right to privacy. 

XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX Account Number XXXX XXXX
Consumer complaint received 2024-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MO)

Hello, I need MOHELA to immediately correct an error on my account. On XX/XX/2024, I paid the full balance of my principal + interest for two of my unsubsidized loans, namely one with a balance of {$1300.00} and the other of {$690.00}. Rather than documenting this loan as fully paid, MOHELA did financial gymnastics to split my payment between the principal balance and interest, somehow crediting a few extra cents towards my interest ( which had not even been accrued yet! ), which forced me to maintain a balance of a few cents for MOHELA to leech extra interest off of my account. When I made a payment of the FULL balance on my account, I expect that MOHELA show this bill as satisfied. These practices are ridiculous and I will not tolerate it. I paid off the full balance of my account at the time of my payment on XXXX. I want these payments credited as such and I want MOHELA to rightfully document that these two loans have been satisfied as paid off. Please correct this error immediately. I will continue to message and call MOHELA every day until this matter has been resolved.
Consumer complaint received 2023-08-09
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: BARCLAYS BANK DELAWARE (MO)

A fraudulent hard credit inquiry was made on my credit report on XXXX XXXX XXXX. I reported this to the company Barclay 's Bank of Delaware in XX/XX/. It is still on my credit report. 
I contacted them again, this month, and they are still not taking action to get this removed from my credit report even though it was found as fraud.
Consumer complaint received 2022-11-10
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: Experian Information Solutions Inc. (AL)

Hi I am submitting XXXX XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-08-08
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC (NC)

I began the process of trying to assume my loan on XX/XX/XXXXXXXX  with Amerihome Mortgage company. After I received the documents, I immediately sent them out via faxed, emailed and sent USPS with BOTH of our signatures on the documents. My ex was willing to sign the house over. XX/XX/XXXXXXXX  was the first time I sent these documents. I received an email on XX/XX/XXXX that was an auto response. The company then sent me 10 more copies of the same documents after repeated requests to verify that they had received the ones I had sent. After many phone calls, I finally received the disclosures on XX/XX/XXXXXXXX  from the company. After many attempts to contact the company via phone, it took me filing a complaint to get someone from the office to call me after several attempts to contact the company. People promised a call back and I would wait and no one ever called. I filled out the documents promptly and returned them. After several attempts to get in touch with someone to verify if my package had been received. No one called me back, or emailed. I filed a complaint in XXXX. I finally was contacted by XXXX XXXX in the office of Amerihome in XXXX, who I then spoke to upwards of 40 times between XXXX and XXXX. My loan was transferred to XXXX XXXX XXXX XXXX after I had been approved by the VA and denied by Ameri Home. XXXX XXXX XXXX XXXX took three business days to send me the documents. My ex is now refusing to sign the documents and wants equity out of the home because he is now broke. I am facing large court fees now to get him to sign because the loan was supposed to be in my name by XX/XX/XXXX. Because Ameri Home was negligent and dragged their feet, I am now looking at having to move my XXXX kids and be kicked out of my house. I have asked Ameri Home to outline the timeline of the calls, emails and many correspondences we have had over the course of the past 11 months. For some reason they are unable to do that. I need to be in court XX/XX/XXXX to try and get the house in my name.
Consumer complaint received 2022-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2022, I pulled my credit report that you maintain on my file; you are reporting a social security number, XXXX. This is not my social security number Please remove this information from my account you are causing me harm.
Consumer complaint received 2023-09-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC (AL)

I received a letter in the mail from a debt collection agency referring a credit card I didn't open or know about. I called the credit card company gave them my information and they looked through their system and verified I never had an account with the credit card company.
Consumer complaint received 2023-09-27
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2020-12-26
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. (CA)

I sent a letter to all 3 bureaus concerning my credit report. It's been over 60 days with no response. This is a violation under the FCRA pursuant to 15 USC 1681i. Failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. You are in violation of the FCRA! I demand these accounts be deleted immediately from my credit profile!
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

Opened checking account on XX/XX/XXXX under Bonus Code # XXXX. Deposited required {$200000.00} to receive {$1500.00} bonus. Maintained balance for required terms which were 60 days after the XXXX day after deposit of funds. Citibank had 90 days after that to deposit bonus. This should have been by XX/XX/XXXX. This date, AND the fact that I fulfilled all requirements was confirmed by MULTIPLE customer service employees in calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 
On XX/XX/XXXX complaint reference code # XXXX was opened with no resolution. 
On XX/XX/XXXX complaint reference code # XXXX was opened and I do not, from previous experience, expect any resolution to that one either. 
Excuse after excuse has been given and, unfortunately, each leaves me with the knowledge that this company is the most ineptly run & managed Ive ever dealt with and they are bordering on, if not fully guilty of, deceptive practices at best!
Consumer complaint received 2023-01-25
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance {$370000.00}
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-19
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. (AZ)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-08-03
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. (OH)

I have five fruad accounts appearing on my credit repair please delete all accounts. 

XXXX. XXXX XXXX XXXX {$1200.00} XXXX. XXXX XXXX XXXX {$1100.00} XXXX. XXXX XXXX XXXX {$900.00} XXXX. XXXX XXXX XXXX {$790.00} XXXX. XXXX XXXX XXXX {$670.00}
Consumer complaint received 2022-10-25
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: EQUIFAX, INC. (MI)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 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 2022-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (NM)

Contacted ED financial on XX/XX/22 for a refund on payments made towards a loan during the covid refund policy. have called multiple times and have been given no updates, upon checking online others have been getting refunds within weeks meanwhile I'm going on 7 weeks. Tried asking to get my claim escalated to someone to review looks like this may be the only way. as of today XX/XX/22 online balance still doesn't reflect the refund and nothing has been done to my account.