davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (FL)

A hurricane occurred in XXXX. We received funds from the flood insurance a couple of months later. We have been fighting and struggling with the service of our Cross Country mortgage ever since then to get payments on time. We have been living in utter chaos. Finally our contractor agreed to do some work for the sake of our safety but despite all the reports and inspections, the service will not release our money to us, and now the contractor is threatening to sue because it has been so long. The servicers communication is insufficient, terse, and never contains the information we need. They don't always respond to emails and if they do it's days between communications and they won't just pick up the phone and call us. I don't know what to do. I've tried everything. That money is mine and I'm living in chaos
Consumer complaint received 2023-04-11
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$2900.00}.
Consumer complaint received 2017-04-07
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

Bank of America issued me a new Debit Card about XX/XX/2017. This change required me to contact all auto-pays with my new updated Account No. to prevent interruption of payments. 

On XX/XX/2017 BOA gave my new Bank Account No. without notifying me, without my authorization, to a service I do not use and allowed them to withdrawal money in the amount of {$29.00}. I saw this charge on my bank statement and called BOA concerned for my banking security and safety. 
BOA immediately credited the money back to my account and told me they would block the company. 
They blamed XXXX as it 's LOGO is on my card. They later blamed it on being a recurring charge, which it was not. 
I have several recurring charges and had to contact each one with my new card account number weeks earlier to prevent routine recurring charges from being declined due to my new account number. BOA refuses any responsibility for giving out my private banking information. BOA gave no guarantee for my future security of my banking information. 
We discussed & agreed to, 'not ' blocking my bank card as it was new and would create unnecessary inconvenience for me since BOA already blocked the company. 
BOA went ahead and stopped my Bank Card without notifying me. All calls are recorded and I requested they hear the recording ( XX/XX/2017 at XXXX ) as now they are accusing me of stopping my Bank Card. 
From the {$29.00} charge to my account it is evident that stopping one 's Bank Card adds NO extra security prevent fraudulent charges. 
SUMMATION : 1. ) BOA with no authorization or notification gave an unknown company my secured bank account information that incurred the expense to my account. 2. ) BOA out of spite stopped my Bank Card.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Budget Car Rental charged me for tolls after telling me the car I rented was too new to have a transponder and I had my own transponder. Apparently, the rental car did have a transponder so it overrode mine. I later was willing to pay the amount of the tolls charged with a transponder but not any fees or extras and they refused to refund {$8.00}. 

I also asked Capital One to request proof of authorization for the charges from the merchant and Capital One refused and stated that it is the consumer 's burden to disprove a merchant was authorized to make a charge and they required an invoice that does not exist. 

I entered the last XXXX digits of my venture x card number in the following step and will provide full card number if you would like.
Consumer complaint received 2024-03-04
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Credit Karma (CA)

The recovery rebate relief was transferred to my credit karma account savings account and then I tried trying to login to my account and they said they closed my account and I never received my credit for the taxes XXXX $ and I have proof I have the taxes receipt but never received my money.
Consumer complaint received 2022-11-22
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. (VA)

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. 
XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 ) 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.
Consumer complaint received 2017-04-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Opened Business Checking account with Bank of America on or about XX/XX/2017. Terms stated that " Make at least {$1000.00} in Qualifying Deposits ( less cash received ) into that new business checking account within sixty ( 60 ) days of account opening ''. I in fact funded the account with {$3000.00} within the first 30 days from a third party bank. Given the account promotion, I should have been credited {$200.00} for this account opening and funding. 

Bank of America sent a letter the end of XX/XX/2017, indicating that qualifying bonuses were not met. I have requested that Bank of America investigate this, but have not gotten a response to date.
Consumer complaint received 2023-04-11
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. (NY)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

DEPTEDXXXX XXXX Balance Owed : {$1000.00} DEPTEDXXXX XXXX Balance Owed : {$1700.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FREEDOM FINANCIAL NETWORK (AL)

I have attempted to verify claims by XXXX XXXX that I owe XXXX to them. XXXX had a very threatening attorney, XXXX XXXX XXXX XXXX XXXX call me repeatedly over the course of 7 months. I have not entered into contract with XXXX XXXX or XXXX XXXX XXXX XXXX XXXX and do not plan to. I called the attorney office back that threatened me because i was afraid of legal action based on their aggressive calling and leaving voicemails. I was finally able to verify the debt on XX/XX/2022, which is from Freedom Financial Asset Mgmt. The original documentation clearly shows that the " debt relief '' program was supposed to be at an annual 16.99 % yet my signature was electronically signed to a 19.38 % which I do not have any record of until my request. The first page of the Freedom Plus Loan Agreement is the only page that was presented to me which displays the 16.99 % as agreed. This was a deceptive practice and caused the payment to be outside of ability to pay based on our debt to income at the time, and currently is about 46 % today. I have attempted to contact Freedom to resolve the matter, but no response just threats from attorney 's office and XXXX XXXX.
Consumer complaint received 2017-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: WELLS FARGO & COMPANY (MD)

XXXX MD XXXX WF CRD SVC Attention : XXXX Date : XX/XX/2017 To whom it may concern The purpose of this letter is to Dispute and to request and expungement of the above referenced account. 

I do n't recognize the accounts in question. There should be no further effort to enforce or collect on this account and, therefore, I am requesting that the Fms WF CRD SVC Vacate, withdraw and/or expunge. 

Please forward a copy of the withdrawal and/ or expungement to the address listed above in this letter. 

Your prompt attention to this matter is greatly appreciated. 
Thanks, XXXX
Consumer complaint received 2023-07-14
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. (GA)

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 a account without my written instructions
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. 
Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2023-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (NJ)

Frontline mailed me a letter validation with XXXX that was paid already years ago. And the billing statement on the bill is XX/XX/23. Haven't been with XXXX for years and I paid my final bill {$270.00}. My cellphone number was transferred over to XXXX and I've been with XXXX ever sense. Please see attached bill. And my XXXX XXXX XXXX XXXX XXXX payment to XXXX to close the account and paid in full.
Consumer complaint received 2023-03-14
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX
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: EQUIFAX, INC. (AZ)

This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 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 2023-05-27
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ACCOUNTS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2900.00}.
Consumer complaint received 2024-04-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CO)

I am writing to express my frustration with the customer service I received from Navient on XX/XX/XXXX. I called to inquire about the total amount I have paid on my private student loans since they were disbursed in XXXX. However, the customer service agent I spoke with told me that she didn't know the answer and couldn't provide me with the information I requested. She then placed me on hold, where I remained for over XXXX minutes. I then talked to a supervisor who told me that she could not provide that information either, that should could only send me a report of what I see online, and send it to my address. 

I find this lack of responsiveness and helpfulness extremely disappointing. As a long-time borrower, I expect to be able to access my account information without such difficulty. The inability to obtain a simple answer to my query, coupled with the excessive hold time, reflects poorly on Navient 's customer service practices.
Consumer complaint received 2023-04-11
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. (SC)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2024-05-17
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK (GA)

On XX/XX/XXXX, XXXX {$25.00} payments were taken out of my savings account via ACH by XXXX, listed as " ACH Withdrawal XXXX XXXX RETURN FEE. '' These transactions were subsequently returned on XX/XX/XXXX due to insufficient funds. On XX/XX/XXXX, I called XXXX to inquire about these charges and spoke with an agent named XXXX XXXX. She stated that she could not see any such transactions on my account. It has been several months since I returned anything to XXXX, and there was no prior policy indicating I would be charged any type of return fee. This situation is fraudulent, and XXXX is effectively stealing from me.
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo claims hey are in compliance with XXXX, for which I am very familiar with XXXX XXXX XXXX XXXX XXXX ( XXXX ) rules and regulations, where I am in touch with XXXX myself. Wells Fargo also knows that I am a customer of theirs for over 45 years and know very well that we are XXXX XXXX  and DO NOT RESIDE in XXXX, but they had us sign an " XXXX XXXX '' that is required of " individuals who are ordinarily residents in XXXX or part of the Government of XXXX ''. 

Both my wife and son are XXXX born citizens and none of us are ordinarily residents of XXXX. We live in the United States and are not residents of XXXX, so the fact that they had us sign this form was discriminatory in nature and careless of their system for relying on their poorly programmed computer system that raised a flag when I had to open a new account, because Wells Fargo 's Fraud Unit, closed my checking account due to my checking and routing number been given to Austrian Airline to refund money for the flight they canceled on us. This blocking of our account had nothing to do with forcing us to sign their XXXX XXXX to re-open our account. 

They were not following XXXX 's protocols and did not check facts that we have already filed our XXXX Passports with their branch in XXXX. They refer to having to abide by various sanctions laws, without due diligence of checking our records of being XXXX XXXX and being residents of XXXX and not XXXX. 

Wells Fargo discriminatorily blocked our accounts while we had to quickly find alternative ways to pay for our mortgage and other statements.
Consumer complaint received 2023-03-14
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. (NY)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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.In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-29
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. (FL)

You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

I have sent Equifax Letters regarding reporting " derogatory " on a paid account XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. They have not responded not corrected this. This is a violation of my FCRA rights. 
There are two accounts XXXX  and XXXX. attached are all documents showing proof
Consumer complaint received 2020-04-29
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. (SC)

XXXX is reporting the wrong balance on all 3 Credit Bureaus the remaining balance is {$13000.00} This car was reported as stolen in XX/XX/2019 GAAP insurance Company XXXX XXXX XXXX XXXX released {$10000.00} to XXXX XXXX XXXX for Comprehensive coverage, which is the settlement that is agreed on. It is my belief that XXXX is reporting A balance of {$13000.00} to deceive me into paying them the extra money for a stolen vehicle. XXXX has been reporting me as late to the Credit Bureaus even though I reported the vehicle stolen immediately. Then they listed the account as a chargeoff which took my credit score down even more.