davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This is in regard to a XXXX transaction. I sent {$2500.00} to a " XXXX '' via XXXX on XX/XX/2022. As soon as I realized the mistake, I called BoA and was told by the agent I spoke with that they were able to reverse the transaction successfully, and that the money would be available in my account the next day, XXXX  XX/XX/2022. 

On XXXX, I saw that the money was still not available so I called again and was told not to worry that the money will surely be available on XXXX  the XXXX, as these transactions do not usually post on week ends. 

On XXXX  the money was still not available so i called again and asked to speak with a supervisor. I was still being told by another agent that it looked like the money would be back in my account the next day, on XX/XX/XXXX! On XXXX, I was finally able to speak with someone that handles XXXX transactions and was told I had been given the wrong information and that I would need to file a claim, which I did. I was told that the claim would take 10 business days but could take up to 45. I called several times during the 10 business days period, trying to figure out if there was any progress. On the 8th business, the agent I spoke with told me that they couldn't see any notes on this claim and it wasn't clear if the other bank had been reached yet.

On the 11th business day, I received the attached letter stating that " BoA isn't able to honor my claim because the transfer posted to the requested account according to the instructions provided ''. The letter does not state whether there was any attempt to contact the other bank at all. 

I'm also unsure if an actual investigation was done and confused as to why I was told by several agents that the {$2500.00} would be back in my account the next days. These calls are recorded so I'm sure there would be no issue finding the recordings. 

I'm not sure what my account history or details has to do with this XXXX claim, as stated in this letter. 
I would like to know the details on the said investigation that was supposedly completed, as this letter does not give any of that information. 
Thank you!
Consumer complaint received 2023-05-18
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)

The credit bureaus keep disregarding the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

The credit bureaus have no respect for the laws nor mine. 

Someone needs to hold them accountable for this
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. (NC)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX; XXXX XXXX; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$85.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : {$1200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2017-03-28
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: FIRST NATIONAL BANK OF OMAHA (AZ)

Have an XXXX card from 1st Bank, Omaha, Advertising tells of many benefits including points for room cost reductions. Can not get full info on what points are worth. Many hoops to jump through to convert points so may use etc. Neither XXXX nor the bank is helpful on explanation. Bank is now ignoring requests for information.
Consumer complaint received 2023-05-18
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX; XXXX XXXX; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$85.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$750.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2017-03-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Strategic Alliances, Inc. (SC)

I have sent repeated documents and police reports to this company showing that I do not owe this debt because my identity was stolen and they still are reporting this debt to my XXXX credit report. I want it removed immediately. This is identity theft and they can not even validate the debt.
Consumer complaint received 2023-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MN)

Hello. On XX/XX/2023 I closed on a home and sold it to new buyers without any issue. Prior to close, I had a mortgage with XXXX XXXX. At the time of close my loan with XXXX XXXX was fully settled and moved over without issue to the new buyers. Unbeknownst to me ( because it was not relevant to me ), the new buyers of my old home were working with Mr Cooper for their new loan. 

On XX/XX/2023 an automatic withdrawal of {$2900.00} was taken from my checking account with my knowledge or authorization via Mr Cooper. I am not a customer of Mr Cooper 's, never set up an account with Mr Cooper, never enrolled in auto-pay with Mr Cooper and fully settled my loan for this property at close with XXXX XXXX XXXX 

I have since been in contact with Mr Cooper multiple times requesting a refund and demanding an explanation for why they were able to withdrawal money from me ( a non-customer ) without my consent for a loan I was not responsible for. Today I was again promised my money back with a rep on the phone but I am a month out from when I began this process. There are financial implications for me -- lost interest, etc -- - in addition to the absurdity that they were able to access my checking account. I am at a loss for how to proceed and am simply stuck waiting, hoping they return the stolen funds.
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly adjust or correct the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2016-04-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Colony Brands, Inc. (FL)

A place called Ginny 's is claiming I owe them about {$300.00}. I contacted the XXXX and the paperwork that they got back it was n't my signature they do n't have my social security number it 's just totally bogus and they 're threatening to put it on Collections and mess my credit up. There has to be someone who can do something about this issue.
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX i sent a dispute letter regarding inaccurate information reporting on my credit file, i haven't received a response, on XX/XX/XXXX i sent my XXXX letter and never received a response, on XX/XX/XXXX i submitted a complaint and the company never provided me documentation or an update on my credit file, i have addresses this matter several times, on XX/XX/XXXX i sent my FTC Report and i still haven ; t received a response for2 years i been trying to get resolutions on the accounts that do not belong to me.
Consumer complaint received 2021-06-20
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: EQUIFAX, INC. (TX)

In XXXX of 2021, I disputed 4 marks on my credit including a XXXX old bankruptcy that should not still be showing. I never received any news on the investigation- nothing except the standard email saying the dispute was received. It was never investigated. 
I disputed the marks again on XX/XX/XXXX and as of yet have not heard anything. 

Not to mention the difficulty making the disputes due to their sketchy website.
Consumer complaint received 2023-05-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: SANTANDER HOLDINGS USA, INC. (MA)

I am the Trustee of a Trust that owns a CD at Santander Bank. The grantor/co-trustee has passed away. I have tried to gain access to the account and the branch manager of the XXXX branch continues to deny access or information. At all times since the creation of the trust I have been an active trustee. The bank has a copy of the fully executed trust. I have provided copies of my drivers license and death certificate of the other co-Trustee. To no avail. They continue to deny any type of access.
Consumer complaint received 2021-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Glass Mountain Capital, LLC (FL)

I was notified by Glass Mountain Capital LLC about an alleged debt with XXXX  XXXX XXXX XXXX ). I notified XXXX XXXX XXXX XXXX  ) over ten years ago about this fraudulent account and from my recollection, they took care of the issue. However, my name has been associated with this alleged debt. I request that this collection agency provide the original documentation for this account, with my original signature and date, as governed by the Fair Credit Report Act. In the letter the letter from Glass Mountain Capital LLC, it states that they contacted their client, XXXX XXXX XXXX XXXX. I have not idea who or what this company is and have never heard of them.
Consumer complaint received 2020-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contacted Transunion on XX/XX/21 about credit inquiries on my report that I did not authorize or have any knowledge about and they are refusing to investigate or remove these inquiries from my credit report.
Consumer complaint received 2024-03-25
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. (KY)

Under 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 The accounts under the names of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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. ( 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 2024-03-25
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: EQUIFAX, INC. (NJ)

Credit Dispute Letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Bureau Disputes XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Account Dispute XXXX Dear XXXX XXXX XXXX, q This letter is to formally dispute the credit reporting activity on my account # XXXX I am writing to inform you that my account was included in a recent class-action lawsuit settlement regarding XXXX XXXX lending practices in New Jersey . As part of the settlement agreement, XXXX is obligated to delete all references to this account from all consumer reporting agencies.

Legal Basis for Dispute Class Action Lawsuit Settlement : Please be advised that this account is subject to a class action lawsuit settlement that requires XXXX to delete this account from all credit reports. 

Fair Debt Collection Practices Act ( FDCPA ) : o 15 U.S.C. 1681e ( b ) Compliance : I request a copy of the 1099-C form reflecting the charge-off of this account, as required by the FDCPA.

o 15 U.S.C. 1682g ( b ) Validation of Debt : Since this account is included in the class action settlement, I request validation of this debt according to the FDCPA. Please provide detailed information regarding the debt, including the creditor, original amount, and charge-off date.

New Jersey Statute of Limitations : Furthermore, I believe that any attempt to collect on this debt falls outside the New Jersey statute of limitations for debt collection. Please confirm that you will cease all collection efforts on this account.

Request for Action I request that XXXX immediately take the following actions : Confirm deletion of this account from all three major credit reporting agencies ( Equifax, XXXX, and XXXX ). 
Provide a copy of the 1099-C form reflecting the charge-off of this account.

Validate the debt according to the FDCPA.

Cease all collection efforts on this account.

I have attached a copy of the class action lawsuit settlement agreement for your reference.

I look forward to your prompt resolution of this matter. Please contact my Attorney XXXX XXXX at XXXX XXXX XXXX, to discuss this further. 

Sincerely, XXXX XXXX Important Note : Here is the settlement agreement. I am apart of this settlement. Please contact 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  You should call XXXX to inquire whether your defaulted loan ( was in default as of XX/XX/XXXX, car repossessed and sold but a balance remains on the loan ) qualifies for a deficiency balance waiver.
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

All my XXXX accounts were compromised and I had XXXX close them due to the excessive XXXX that was always occurred. 

These accounts should not even be on my credit profile. Even XXXX sent a letter indicating the accounts will be removed off my report and they would inform the Credit Bureaus to remove all the XXXX accounts. 

I have contacted an attorney since the credit bureaus have yet to remove these accounts and I've show a lot of proof those XXXX accounts should not be reporting to my account. 


There are letters from XXXX even showing they denied the accounts due to identity issues with those accounts.
Consumer complaint received 2021-06-21
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. (LA)

I've asked them to provide the original contract with my signature for validation of the debts and I have received nothing but stating the debts were valid. Nothing has been removed and it has caused tremendous damage to my overall credit score and is causing me to be homeless because I can't get approved for any houses or anything for that matter.
Consumer complaint received 2021-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (FL)

I tired to fix the issue with the credit reporting agency but didnt get the results I was so confused about this issue I sent in a police report and they didnt honor it XXXX XXXX is so direspectful with how they handle XXXX Americans identity theft problems