davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-29
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: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. Section 1 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 In accordance with the Fair Credit Reporting act 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 n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

Balance $ XXXX - $ XXXXI have reasons to believe that the information provided by these sources, particularly the collection account from JPMCB CARD is inaccurate, unauthorized, and in violation of the law. This misinformation is adversely affecting my good name, character, and ability to qualify for new credit opportunities. 
I am exercising my rights under the Fair Credit Reporting Act, specifically referencing the following provisions : - 15 U.S. Code 1681i - Procedure in case of disputed accuracy - 15 U.S. Code 1681e - Compliance procedures -15 U.S. Code & 1962f- Unfair practices
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have taken the necessary steps to address this issue by reporting the false information that has been disclosed. As a victim of identity theft, I want to emphasize the significant stress and financial burden that has been placed upon me due to the inclusion of products that do not pertain to my identity and for which I am not responsible. It is imperative that this complaint is handled appropriately ; otherwise, I will be left with no choice but to initiate legal proceedings. These false and fraudulent entries on my consumer report have had a detrimental impact on my ability to fulfill personal aspirations, such as purchasing my dream car, and provide necessary support for my family.
Consumer complaint received 2022-05-29
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. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account info Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$5.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$5300.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$30000.00} Highest balance {$0.00} Terms 60 Months On record until XX/XX/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
Consumer complaint received 2023-10-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I have had an account with Bank of America since XX/XX/XXXX ( XXXX, Florida ). In the past few months I have experience a number of difficulties with them involving XXXX day delays in failing to take action on items requested. The latest one involves a payment to XXXX XXXX XXXX I tried to make in the amount of {$20000.00} on Monday, XXXX XX/XX/XXXX. Bank of America instructed me they would not be able to make this payment ( my account had MORE then the necessary funds to make it ) until Friday, XXXX XX/XX/XXXX. 
Friday, XXXX XX/XX/XXXX, has come & XXXX is here. Bank of America has failed to make the {$20000.00}. payment although my account is at $ XXXX and there are no outstanding checks being held against it. I have tried to contact Bank of America thru eMail, telephone & thru their website. All attempts have been fruitless. This is another complaint I have against Bank of America. They are extremely difficult to contact. Even when FAXING THEM, it appears they either disregard the fax or never acknowledge getting it, even though my fax machine tells me the transmission was " OK ''. I want Bank of America to become more responsive to my requests and provide me an explanation of WHY they did not make that payment I scheduled to XXXX XXXX XXXX.
Consumer complaint received 2018-09-27
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (CA)

In XXXX of 2015 my father was ill and we were going to be late on our mortgage payment so we notified U.S. Bank that we had issues. They proceeded to tell us that they wanted to help and we were eligible to refinance our loan to get lower payment. We were excited to have the help. We were told NOT to pay any more payments as we were getting a loan mod that would help us. Several weeks later we received paperwork that we signed and had notarized and sent back. The 'New ' payment went UP and then we were told that we were delinquent on our mortgage, which really messed up my credit. Then we struggled for several years and caught up all payments, not all before the XXXX so I accrued late charges, which is fine, I deserved those. But as I am selling my house I am hit with a {$34000.00} charge that somewhere along my loan U.S.Bank filed for a claim with a company of XXXX for the sum of XXXX and now they are charging me for this loss that I had no idea about. I feel as I am the victim of Predatory lending and fraud. Please help me if possible.
Consumer complaint received 2022-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have had an account with XXXX since XX/XX/XXXX with a credit limit of {$300.00}. 
After reviewing my credit report recently as well as my credit card statements it's come to my attention that there is an error being reported by XXXX. 
My payment due date is the XXXX of every month. On XX/XX/XXXX a payment of {$40.00} was made ( attachment ) That payment was reversed on XX/XX/XXXX ( attachment ) XXXX XX/XX/XXXX a payment of {$80.00} was made. That payment was reversed for insufficient funds ( attachment ). On XX/XX/XXXX a payment of {$120.00} was made ( attachment ). That payment was cleared. Until I recently pulled my credit report, I didn't realize that a 30 days late payment was showing on my credit report for the month of May.But after carefully reviewing and calculating the days of payment due and payments posted, I see that XXXX have incorrectly posted a late payment for XX/XX/XXXX. 
My payments for XX/XX/XXXX and XX/XX/XXXX were reversed. My payment for XX/XX/XXXX was cleared and posted. ( attachment ) So if my due date is the XXXX of every month and then the XX/XX/XXXX payment will cover XXXX because that is NOT 30 days past XX/XX/XXXX. 
XXXX have mistakenly and incorrectly reported the month of XXXX as being late. I have repeatedly spoken to them about this issue and also they have never provided me a copy of my credit card statement for XX/XX/XXXX. I was told that one does NOT exist.This in itself is a clear violation of the Truth in Lending Act as well as 15 USC section 1666b ( 4 ) ... ..correction of billing errors. According to the FCRA you are required by federal law to investigate completely... ANY AND ALL accounts you post on a credit report.
Consumer complaint received 2022-01-24
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. (CT)

I contacted TransUnion on XX/XX/XXXX about the following accounts ; XXXXXXXX XXXX XXXX  ( Account Number : XXXX, Date Opened XX/XX/XXXX, Balance {$2200.00} ), XXXX ( Account Number : XXXX, Date Opened XX/XX/XXXX, Highest Balance {$2500.00} ), XXXX ( Account Number : XXXX, Date Opened XX/XX/XXXX, Credit Limit {$1000.00} ) TransUnion has failed to verify these fraudulent accounts on time as they are required by the FCRA.
Consumer complaint received 2019-03-25
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (CA)

I had a mortgage with XXXX XXXX XXXX ( 1st loan # XXXX and 2nd loan # XXXX ) and requested for Mortgage Assistance ( RMA ) for modification back in XX/XX/XXXX from XXXX XXXX XXXX ( Making Home Affordable Program ). My application for modification program was received by XXXX successfully and was in processing when XXXX XXXX XXXX transferred my loan modification to XXXX XXXX XXXX. I received letter on XX/XX/XXXX from XXXX that modification review was completed and on XX/XX/XXXX I received " Executed Loan Modification Agreement '' for both loans 1st and 2nd. Now, after 5 years I have been harassed by Radius Global Solutions on behalf of XXXX XXXX trying to collect the second loan in the amount of {$86000.00}, which was part of executed loan modification that was successfully processed by XXXX. I told them several times, emailed all of my modification papers from XXXX showing that there is no outstanding balance and that both loans ( 1st and 2nd with XXXX ) were modified under now new loan number that I have been paying on time since. I need CFPB assistance to stop Radius Global Solutions LLC ( XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, Tel : XXXX ) from constantly harassing me to collect {$86000.00}, under REF # XXXX, Dept description : Servicer XXXX XXXX, Account XXXX. 

I have never had any loans with XXXX XXXX nor with XXXX, ever. I am not sure where and how they both my information from and harassing me non-stop to collect " outstanding debt '' that I DO NOT OWE. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlantic Recovery Solutions LLC (CA)

I got a missed call from Atlantic Recovery Solutions LLC at XXXX on XXXX XX/XX/XXXX. I called them back at XXXX same day to see what they were calling about. It was a debt collection agency calling about my cousin. I told them I am his cousin and not the person they are seeking. They asked to send their contact info to my cousin and I told them I have no contact with him. They requested to send my contact info to my parents who would I said no out of respect for his privacy. They then said " well then you're gon na keep getting calls '' and basically hung up after that. I attempted to call back to tell them I am on the National Do Not Call Registry and that you would be violating my rights if they did that and they refused to listen, repeated what I had to do to not get calls and hung up on me.
Consumer complaint received 2022-05-29
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: Experian Information Solutions Inc. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account info Account name XXXX XXXXXXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$5.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$5300.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$30000.00} Highest balance {$0.00} Terms 60 Months On record until XX/XX/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
Consumer complaint received 2019-04-20
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. (MO)

These accounts I'm disputing does not belong on my credit report for the simple fact they do not belong to me. I'm demanding that the 3 major leading credit bureaus remove them immediately. If the reporting agencies can not share their Method Of Verification with me as my consumer rights in accordance with the FCRA laws then these accounts shall be blocked immediately. The accounts are, XXXX XXXX XXXX {$1500.00}, XXXX, and XXXX XXXX.
Consumer complaint received 2024-04-03
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (SC)

I found a bill that was sent to my address and I never purchased anything from the store. Now Im over XXXX in debt with them and never bought anything from them. I want this resolved fast so I am not the one responsible for something I didnt do.
Consumer complaint received 2022-05-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation (TX)

Hello, I paid my balance off in full of {$370.00} it processed and posted on the XXXX of XXXX. Putting my credit balance at a {$0.00} and giving me an available credit to use of {$400.00}. Then they went ahead and gave me a credit line increase of {$200.00}. Now I have a credit limit of {$600.00}. A supervisor released {$200.00} dollars to me and told me the rest of my credit to use would be on the XXXX of XXXX. But as of this moment my balance is {$220.00}. With an available credit of NEGATIVE {$130.00}. And then tell me that I owe them XXXX. If I owed them {$130.00} then my credit Balance would be {$730.00}. Negatives on a credit card means the bank owes you money not the other way around. But when I call the automated system it say I have a balance of XXXX and a credit line to use of XXXX and some change. ( EVERYTHING IS SCREEN SHOTTED FOR EVIDENCE ). Then when I ask for this issue to be fix and get my account at the numbers it needs to be and release the credits on my account or get it in good standing and close it all together they leave the chat hang up the phone or disregard ANYTHING THAT IM SAYING as if Im not even saying it. NONE OF THEIR MATH ADDS UP. NOT A PIECE OF IT. Then they say its because of the pending charges..no.those pending charges we from my last balance they take it immediately out of my account as a authorization hold.so that money had been deducted already just not posted. They keep running me in circles and ultimately Im 100 % sure this is a scammers site. And they need to be investigated IMMEDIATELY being that their app is synced to third party sites for promotions..DO NOT PROMOTE THIS COMPANY. ASPIRE CREDIT CARD!!!!!
Consumer complaint received 2019-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America is refusing to issue me a check. I went into a branch to ask for a temporary check and they refused to issue me one offering instead to make me pay for an order of checks that would take two weeks to arrive.

This is the most ridiculous situation. There are sometimes when a check is necessary. BofA issues three temporary checks when an account is opened. Apparently they don't issue any more than that.

BofA ripped off the american public to the tune of billions of dollars yet I can't get a check. 

Their customer service also totally XXXX. When did this new rule come into being.
Consumer complaint received 2022-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I wrote a check and put it in the US mail, the check was made out to City of XXXX for {$51.00}, the following day I looked at my banking app and I was negative {$2600.00}, I looked at the transactions and saw the check I wrote for {$51.00} had been altered to {$4000.00} and deposited into another checking account with XXXX  XXXX XXXX. I went to Fifth Third bank in person because no one could help via phone. They closed the account and I opened a new account, they told me that it will take 180 days to get my {$4000.00} money back after they investigate the situation, I said that seems unreasonable since I alerted them within 24 hours of this fraud. This happen on XXXX and Fifth Third has not communicated anything to me as of yet, I keep going into the bank branch and they tell me I have to be patient with the process. I understand that but no communication from the bank in regards to even acknowledging the investigation is even happening. Feel free to reach out directly to me. 
Thank you! 
XXXX XXXX
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MD)

I recently checked my account and noticed there were 2 transactions on my Wells Fargo checking account : XXXX XXXX for {$4800.00} sent on XX/XX/XXXX and another for {$4200.00} sent on XX/XX/XXXX sent to XXXX XXXX  XXXX. I have never heard of XXXX XXXX  XXXX or done business with them in the past. 
Someone stole my account information because I never authorized this company to take money out of my account. 

Please help.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

A credit card was opened in my name by a family member without my approval or knowledge. Multiple charges made and then balance not paid- noticed this when credit score dropped significantly and I had to investigate as to why. Called 3x - the first 2 times disputes were made and investigated. Both said I " benefited '' from the account. When I called the 3rd time inquiring how to get my name off the account and make it stop affecting my credit they said they reopened the dispute ( again!!! ). They were unable to answer my questions about how this is going to help- they already denied my dispute twice - what would be different this time? I inquired how to make the account " go away '' and stop affecting my credit score and they referred me to an outside crediting agency. That makes no sense, since the account and delinquency in clearly with Capital One. I was transferred no less than 8 times to get answers and still have none.
Consumer complaint received 2023-05-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

This account is paid for by checks sent in mail. In XXXX of XXXX my payment was lost, knowing that I sent it on time along with all my other bills I contacted customer service about the issue on XX/XX/XXXX. On that day they told me that they would look for the check and submit a request to waive the late fee as it was not my fault, I paid all missing payments over the phone in order to avoid marking my credit. The check was later found and the late fee was removed. This occurred again in XXXX of XXXX where my check was lost, I contacted XXXX with customer service on XX/XX/XXXX who advised me to pay the previous months payment as well as the current due amount online in order to avoid scarring my credit, and stated that they would look for the check as well as request to waive the late fee again. They found the check and applied it to my account on XX/XX/XXXX, which in total took 3 months worth of payments from me in one month, again. The second request to waive the late fees have been repeatedly denied as they stated the first one was a courtesy, even though I sent no payments late and they accepted fault and found the missing checks both times. On XX/XX/XXXX I took the issue to management when I spoke to XXXX XXXX, a customer service supervisor, who again stated that my request was denied as the first one was a courtesy, she told me there was nobody else to speak to who could resolve the issue and all she could do for me was submit another request.
Consumer complaint received 2023-03-11
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: CLGF Holdco 1, LLC (MS)

In accordance with fair credit reporting act XXXX account # XXXX has validated my rights 15 USC 1681 section 602 states I have rights to privacy 15 USC 1681 section 604 a section 2 it also states consumer reporting agency can not furnish in account without my written instructions 15 USC 1666B : A creditor may not treat my payment on credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-02
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: Experian Information Solutions Inc. (SC)

The following inquiries are fraudulent accoding to 15 U.S. Code 1681n : XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023