davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I am writing to file a complaint regarding the closure of my credit card account without adequate reasons. I strongly believe that the reason for the closure appears to be discriminatory and XXXX. 

On XX/XX/2023, I received a notification stating that my credit card account with Bank of America had been closed. However, the notification did not provide any clear reason for the closure except the fact that they noticed unsatisfactory performance on personal card. No details of what the issue is and what was the unsatisfactory performance has been provided. The letter from the bank for closing my personal card account states that Irregular authorized user activity which does not provide any insights on what the irregular activity is. The bank at its sole discretion closed all my account without giving any chance of being heard. I called customer service to inquire about the reason, but the representative was unable to provide me with any explanation. 

I have been a loyal customer of Bank of America for many years and have always made timely payments on my credit card. Therefore, I am shocked and dismayed by the sudden closure of my account without any explanation. 

Furthermore, I can not help but feel that the closure was based on discriminatory and XXXX motives. As an XXXX american, I have often faced discrimination and prejudice in various aspects of my life. I strongly believe that the closure of my credit card account is another instance of such discrimination. 

I request that Bank of America provide me with a clear and valid reason for the closure of my account with sufficient details. Also, what is basis of closure of the account like a policy or document that I signed informing me that I can not have authorised signatory on my account? Additionally, I demand that Bank of America address any discriminatory practices within their organization and take appropriate action to prevent such incidents from happening in the future. 

I hope that this matter will be addressed in a timely and appropriate manner. Thank you for your attention.
Consumer complaint received 2021-06-26
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. (CA)

I did not consent to, authorize, nor benefit from any of the inquiries Equifax is reporting. Under section 604 without my written consent these inquiries are fraudulent.
Consumer complaint received 2017-04-06
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (NJ)

Hi, I filed for price protection for discover credit card. I submitted all the required documenation as per mentioned in price protection policy. However, they told me later i need to submit documentation pertaining to return credit from the same store for last 2-3 months. This was not mentioned in price protection policy and i did not save the return receipts. Discover customer representatives told me that they agreed that it is not mentioned in policy. I need to know why they are not honoring my claim if it is as per the policy.
Consumer complaint received 2021-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Per New Law : Comprehensive Credit Act of 2020, section 401 - debts regarding adverse credit details contained within one 's personal file for which do not have a confirming contract must be deleted. I don't at all recall this debt. I called to speak with them and tried to set up payments until attorney advised that I not pay anything according to this law. 

I was then Advised that I take steps prior to our filing a lawsuit against them. The new law is very specific and direct regarding the details regarding any debts on one 's credit report for which things can not be verified/validated etc. To not adhere to this law, is grounds for litigation according to my counsel. I've had it. Should they not remove this unverified/solidified debt means that they'd appreciate for my attorney and I to address these issues in court before a judge under The Comprehensive Credit Reporting Enhancement, Disclosure, Innovative, and Transparency Act of 2020. 

Sincerely, XXXX
Consumer complaint received 2023-05-12
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. (CT)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2023-08-15
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: Bread Financial Holdings, Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-02-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Hello CFPB Team, Here I am filing Dispute against BOA, XXXXXXXX XXXX and XXXX XXXX. This is XXXX, In XXXX 2022, the XXXX Scam ( Employment scam ) happened through my Bank Of America account XXXX I attended one interview in XXXX 2022, they gave me employment confirmation offer and it was fully Work from home remote opportunity, after that for office accessories ( Laptop, chair and desk ) the employer provided me checks and asked me to send the money to the vendor so that the vendor will directly sent the accessories to my home. I deposited the checks which were provided to me and I transferred the money from my account later I realized the whole thing was a scam. My account went to a negative balance and I reported to the BOA XXXX department regarding this whole scam so they freezed my account and they performed an investigation but unfortunately I was the one who transferred the money without knowing it was a scam so finally I ended up paying the balance to BOA ( XXXX $ ). I paid the balance amount to BOA and I got a confirmation letter from BOA, I am attaching here. BOA informed XXXX XXXX  and XXXX XXXX before I paid. After I paid I raised a dispute against XXXX XXXX and XXXX XXXX they updated the status by saying account balance Paid fully but still I am not able to open a bank account, Its been 2 months I am applying for Most of the Banks and Credit unions but I am not able to open a checking account anywhere, I am not sure what information is presented in my Credit report. After I did all these still I am not getting any Justice That's why I am raising a dispute against XXXX XXXX, XXXX XXXX and Bank Of America, Please help me, Here I am the victim Of both employment Scam and BOA. Here I am not able to understand how a victim can be punished even after I paid the full amount to BOA, When I went to ask the same thing to BOA they were very irresponsible and they simply said this is how it works. I am hoping I will get justice here. Because of this I spent lot of sleepless nights. I hope I will get XXXX here. 
Looking forward to hear from you!! Please let me know if you have any further questions.
Consumer complaint received 2023-05-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC (CA)

When I received a payoff amount from GoodLeap for my account ( account # XXXX ) I paid the total amount due by the due date, then GoodLeap came back and said I owed another {$42.00}. When I called GoodLeap they stated they forgot to put the {$42.00} in the payoff amount ( some sort of fee ). I asked to speak to a manager on XX/XX/2023 and XXXX ( the manager ) agreed with me that I should not have to pay an additional amount after I already paid the payoff amount and that he would get back to me- XXXX never got back to me. I called on XX/XX/2023 and filed a formal complaint with a different manager XXXX. I have called multiple times since then requesting an update and keep being told that they are working on it and that someone would get back to me. Today ( XX/XX/2023 ) GoodLeap sent me another bill for the {$42.00} via email. 
No one from GoodLeap ever got back to and it has now been over a month. 
I believe that it is EXTREMELY unfair for a financial institution to give someone a payoff amount, then request more money. 
Thank you for your help, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is a complaint against Transunion. After months of calling, leaving messages, and agents tellng me that Manager will call me from XX/XX/2022, todate I have not received any calls from Transunion to resovle this matter. 
Because of Transunions MISTAKE IN INCORRECTLY REPORTING AN ACCOUNT WHICH SHOULD HAVE NOT BEEN ON MY CREDIT REPORT, MY CREDIT SCORE DECREASED BY XXXX POINTS. JUST LAST MONTH ( DECEMEBER 2022 ) TRANSUNION REMOVED THIS ACCOUNT FROM MY CREDIT FILE, THOUGH ITS REMOVED, MY CREDIT SCORE POINTS HAVE NOT BEEN RESTORED. 
TRANSUNIONS NEGLIGENCE AND IGNORANCE CAUSED ME A LOT OF FINANCIAL, HOUSING, SUFFER EMOTIONAL DISTRESS. 
TRANSUNION REPORTED FALSELY TO DOJ AS WELL, AND TO DATE HAVE NOT FIXED MY CREDIT SCORES.
Consumer complaint received 2021-06-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERFIRST MORTGAGE COMPANY (IL)

I have submitted all the requested information over 30 days ago and they will not provide a closing date or even a window of time for closing. My contact tells me it is in for final approval but can not give me a firm date or any other information. They have been extremely slow to respond and I suspect they are slowing the process deliberately. I asked several times to speak to someone in management but they refuse. XXXX XXXX has ignored my calls and emails and XXXX XXXX has been much more responsive however after multiple attempts to get a closing date they just give me the same answer and tell me there is nothing they can do. I am loosing significant interest savings every month that goes by without closure. I have good credit, income and there are no blemished on my financial track record. I am very dissatisfied with the level of service and attention this has received.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Aqua Finance, Inc. (MD)

AQUA FINANCE, INC. XXXX XXXX XXXX of {$4300.00} was paid in full but the report still shows I owe them {$350.00} which is incorrect.
Consumer complaint received 2021-06-26
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mar Joe Enterprises (FL)

CBC is trying to collect money from me for a septic tank emptying that was ordered by XXXX XXXX and performed by a septic company I never spoke with nor had any dealings with. I never ordered this service and did not own the home at the time. I ordered an inspection not a pumping of the tank, which they, XXXX XXXX XXXX procured themselves. Then they turned this over to CBC who initially contacted me on a blocked number and refused to identify themselves as a debt collector, were rude and threatened to ruin my credit history and refused to give me any information about who they were and why they were calling. I have sent a letter to CBC asking for proof this debt is mine and they have none. This is consistent with the fact I never ordered such a service or contracted with anyone to have it done. At the time it was performed I DID NOT ON THE RESIDENCE.
Consumer complaint received 2023-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is the second time I have informed the CFPB and the 3 major reporting agencies of the illegal activity regarding my consumer report. I have had no communication nor contact in regards to using my personal identifying information and I have not been given any remedy. This is my last attempt to do so before I file suit against all parties involved for failure to follow the guidelines of the FCRA. I have attached another letter for review of the accounts and inquirers in question.
Consumer complaint received 2021-06-26
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 — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc. (TX)

I have a mortgage pending! This company Santander USA is a fraud! I put XXXX down on a XXXX XXXX XXXX with them and, I had all of the car payments set up on automatic draft monthly with my old XXXX XXXX account which I closed down at the end of XXXX! I was sitting at a red light on XXXX and, I was rear ended while sitting still at XXXX in a XXXX mph zone and, the car was totaled out! The car payment was XXXX monthly however with taxes and, processing fees they took out way over that amount monthly as I will send in the document provided below! On my XXXX report which they didnt change they had that I pay the XX/XX/XXXX payment late and, XX/XX/XXXX 30-59 days late that is wrong! They drafted the XXXX payment on XX/XX/XXXX which was one day before XXXX out of the XXXX XXXX account! In addition I sent proof to XXXX & they updated it the exact same! I am furious my XXXX XXXX agent got a pay amount from from them and, they got a payoff, a diminishing value and, a gap insurance check which all went directly to them by XX/XX/XXXX! Which was well over what they quoted the payoff was & an additional XXXX from me also! XXXX XXXX is reporting XXXX and, I sent them profs of payment also! It wasnt a XXXX it should report OK. They got a XXXX & XXXX payment although the car was in a salvage yard & undriveable since XXXX when I was rear ended in it XXXX & they didnt even give me a pro rate for XXXX or XXXX by XXXX my insurance company paid this car in full! Then on XXXX they have that o have a 30-59 day late for XXXX of XXXX I didnt have an account anymore these people didnt pro rate XXXX, or XXXX they got a car payment 3 insurance checks one from gap, XXXX & a diminishing value check all by XXXX of XXXX! On both XXXX & XXXX they stated I settled it for less like its a charge off or a VOS which is killing my excellent credit! It was paid in full not settled for less not underpaid either it was over paid and, I didnt have a account XXXX of XXXX so the XXXX XXXX XXXX late is totally wrong! I need this corrected ASAP I have a mortgage pending this is awful. I was a great customer to them! Years later Im fighting this now I need a mortgage
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due tXXXX XXXX XXXX XXXX XXXX  which falls under trafficking according to XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX Account number : XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX Account number : XXXX *
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-15
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)

I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. I have filed a report with the Federal Trade Commission, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance with the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove the following accounts which were opened by fraud within 4 business days, per FCRA Section 605B
Consumer complaint received 2023-08-15
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXXXXXX 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 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 2021-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (CA)

I intended to apply for a Wells Fargo Visa signature card, but accidentally applied for the Wells Fargo Visa Signature last applied.. I applied for the wrong card because Wells Fargo since I couldn't tell the difference between the two cards.. 

When I called the 1-800 number on the back of my card, the customer service representative to see if I could switch to the correct product, the representative kept on kicking me around to three or four departments. Some even told me to go to the branch or apply online, instead of helping fix the mistake. 

I really didnt want to deal with any of their XXXX, so I submitted another application for the wells visa signature card. I'm afraid that the hard pull will affect my credit score and that i will declined for the card..