davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-28
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I submitted a transaction dispute on XX/XX/2021 with Bank of America for {$340.00} on a service I never received from XXXX after not being able to resolve the issue with XXXX. I was provided no communication about its progress and on XX/XX/XXXX, Bank of America refunded {$14.00} and closed my dispute saying I never returned a letter signing that I wanted to continue the dispute. 
I called multiple times to receive this letter between XX/XX/XXXX- XX/XX/XXXX to via mail, fax, or their website messaging application. One of Bank of America 's Manager position in the disputing department even acknowledged and stated that they have not sent the letter. I never received the letters with any of my attempts. 

On XX/XX/XXXX, I physically went to one of Bank of America 's branches to obtain the letter and send it with my proof on the transaction dispute. I was given outdated letters to sign and reassured by a Bank of America client representative that it was ok because of the situation and that I had yet to receive the letter. 
On XX/XX/XXXX, I returned to the same bank to give the letters and check that I was doing everything I needed to resolve the issue. 

On XX/XX/XXXX, Bank of America declined my claim again and stated it was because I did not send the proof and information regarding the dispute soon enough, retracted the refund of {$14.00}, and that they reported my disagreement with the Credit Reporting Agencies ( XXXX, XXXX, XXXX, and XXXX ) **Previously I purchased a stay reservation through XXXX for XX/XX/XXXX - XX/XX/2021with my Bank of America Cash Rewards Credit Card . Through their service agreement, I expected XXXX to arrange me a reservation at XXXX XXXX for the specified date.On the day of the reservation, I am notified by the hotel staff that my reservation had not been established because XXXX did not provide XXXX XXXX their portion of my payment charged through XXXX. I was forced to look for a different place to sleep without a refund day of my reservation. I was unable to resolve the issue with XXXX. 

- XXXX XXXX provides proof from XXXX XXXX that XXXX failed to provide their service obligation for the reservation date. 

- Doc 2 is the letter I provided Bank of America regarding my attempts to resolve the issue with XXXX and detailing the dispute along with Doc 1 on XX/XX/2021 - Doc 3 provides information and date about the physical Bank of America I went to that provided the claim continuation letters. ( I signed the letter I was provided on the same date I received them on XX/XX/2021 ) - Image 1-3 are the documents a Bank of America representative provided me to use to continue the dispute assuring it was ok to use because of the situation and that I had not been provided the letter. 

- Image 4-6 details my reservation with XXXX
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: BSI Financial Holdings, Inc. (NJ)

Dear BSI, Thank you for the attached response letters to the CFPB. 

Attached is BSI XXXX XXXX from your website which provides the information for BSI 's Mortgage Servicer Licensing in Florida, namely. 
Florida Mortgage Lender Servicer License XXXX Please provide your Lender licensing information in Florida. 

Please note that the attached IRS Form 1099A lists BSI Financial Services as the Lender. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I SENT THIS THIRD-PARTY COLLECTION AGENCY BELOW THREE CERTIFIED LETTERS AND I ALSO SENT THREE CERTIFIED LETTERS TO ALL THREE CREDIT BUERAS ASKING THEM TO VERIFY THIS DEBT THEY SAID I OWE BUT I HAVE NOT GOTTEN THE CORRECT INFORMATION VERIFYING THE DEBT BACK FROM NEITHER ONE OF THEM, SO THIS COLLECTION DEBT SHOULD HAVE BEEN DELETED OFF ALL THREE OF MY CREDIT REPORTS, HERE 'S THE LAST LETTER I SENT 3 MONTHS AGO ALONG WITH THE ACCOUNT NAME AND ACCOUNT NUMBER BELOW. 

XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor Name : XXXX XXXX XXXX Creditor Address : XXXX XXXX XXXX XXXX, TX XXXX XXXX am writing this letter in regard to the account : XXXX XXXX XXXX referenced above that is being listed on my credit report by XXXX XXXX XXXX This account has not been properly verified and as you know failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. For obvious reasons.

I am maintaining very detailed records of all my correspondence with you in preparation to file a complaint with the Attorney Generals office and the Consumer Financial Protection Bureau if you continue to list this item on my credit report. I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the account can not be verified, you are obligated by law to remove the item and if you do verify this item, please provide the complete name of the person who verified this information, telephone number, the date you spoke, all documentation provided to you, and the method of verification as well. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (SC)

On XX/XX/2022, I received a letter from a debt collector about an unpaid balance from XXXX XXXX XXXX for {$130.00}. I responded within a few days asking for verification of debt which is my legal rights. I asked for a few verifications items which I never received. I asked for proof to show I agreed to pay what they say I owe ; when was the account purchased from alleged debtor, I asked for the company to prove the Statute of Limitations has not expired on this account ; I asked for license and registred agent ; and I asked to show me they are licensed to collect in my state. 

The company did not respond with any requested information, except a bill with my name. On XX/XX/2022. I responded by XXXX to Credence Resource Management that the account did not belong to me and they would have XXXX  days to prove it was my account, and not fraud. The company never responded. 

I also stated : " If your offices can provide the proper documentation as requested in the following Declaration, I will require at least XXXX days to investigate this information and during such time all collection activity must cease and desist. 

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. '' On XX/XX/2022, I received an alert about a negative mark on my credit from Credence Resource Management. 

This is clearly a violation of the Fair Credit Reporting Act, a violation of the Fair Debt Collection Practices Act, and defamation of character. I can legally bring suit for this violation and I am giving the company time to reconcile the wrongdoings before it causes any financial harm to my good name.
Consumer complaint received 2022-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NC)

This loan was acquired by Rocket Mortgage from XXXX XXXX. Rocket has purchased an insurance policy for me back in XXXX and notified me in XXXX even though I already have an insurance policy. I have spoken to two representatives and asked for a supervisor to return a call to no avail.
Consumer complaint received 2021-09-28
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I am a military veteran filing this complaint against Well Fargo Mortgage. I was impacted by the pandemic and could not keep up with my mortgage payments. I have never missed any payments on my mortgage until the pandemic. I entered into a forbearance agreement with Wells Fargo Mortgage 18 months ago. I have been in constant contact with Wells Fargo Mortgage during thee entire 18 month forbearance process. The last letter I received from Wells Fargo Mortgage was a letter dated XX/XX/2021 letting me know my payment suspension was coming to an end.at the end of XX/XX/2021. I reached out to Wells Fargo Mortgage on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. On XX/XX/2021 I made my intentions clear that I wanted the VA Disaster Extend option and would resume paying my mortgage XX/XX/2021. I received a call on XX/XX/2021 in the afternoon from " XXXX '' Wells Fargo Mortgage underwriter who was assigned to my case only a week ago. He stated that I had to pay a mortgage payment of {$1800.00} by XX/XX/2021 in order to qualify for the VA Disaster Extend and if I could not do that then I would have to go to the second option, VA Disaster Modification ( a bad deal ). Essentially they are forcing me to take a VA Disaster Modification, even though I qualified for the VA Disaster Extend ( good deal ). I was livid. They provided no written communication detailing this and never said a word of this with in any of the over 20 previous conversations I had with them. I believe what they are doing is criminal, incompentent, and wrong. Also their employees do not know what they are talking about and contradict each other. They need to be investigated.
Consumer complaint received 2022-04-16
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. (IN)

I have spoke with numerous TransUnion agents as well as XXXX XXXX agents from XXXX XXXX XXXX XXXXXXXX to get these account review inquiries removed from my TransUnion credit report, and have had no success whatsoever getting cooperation from either TransUnion or XXXX Card from XXXX XXXX XXXX XXXX. I am so frustrated and so tired of having to deal with these agents that are unwilling to help me and being one hundred percent unwilling to help me regarding this issue. They are fraudulent and I am a victim of identity theft. There are also two sets of inquiries with the same dates on each of them. These are listed below : XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXXXXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: CrossCheck, Inc. (CA)

On XX/XX/2021, I requested my annual free report to CrossCheck locate en XXXX, CA. This company answered me with a PERSONAL STATEMENT, which was written by XXXX XXXX, in which he stated that THERE WAS ANYTHING NEGATIVE IN MY REPORT. I responded to Mr. XXXX that I appreciated his PERSONAL OPINION, but I was requesting my report. Mr XXXX promised to send my report, but for my surprise, he sent THE SAME INFORMATION THAT HE HAD NOT FIND ANYTHING NEGATIVE IN MY REPORT. I Called again to CrossCheck, but now he hung up the phone or the secretary doesnt answer me the phone. I REQUEST MY REPORT. Thank you for your help.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my account with [ Financial Institution or Company Name ]. Despite my persistent efforts and numerous communications, the unauthorized transactions persist, causing significant distress and financial concern.

Discovered unauthorized transactions on my account statement.

Immediately reported the fraudulent items to your customer service department, providing all necessary details.

Received acknowledgment of my complaint but witnessed no immediate action on the removal of the fraudulent transactions. 

Followed up with customer service to inquire about the progress, expressing the urgency of the matter. 

Despite assurances, the fraudulent items remain on my account, causing additional stress and financial uncertainty. 

The prolonged delay in addressing the issue is highly concerning, and I find it unacceptable given the urgency and potential risks associated with fraudulent activities. 

I urgently request the following actions : Immediate and thorough investigation into the fraudulent transactions on my account.

Transparent communication regarding the steps being taken to identify and remove the unauthorized items.

Swift removal of the fraudulent items from my account and a confirmation of their removal.

Assurance that my account will be fully restored to its pre-fraud state, and any associated fees will be reimbursed.

Compensation for the inconvenience, stress, and financial impact caused by the delayed resolution. 

I insist on a resolution within the exact timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-14
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. (MO)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN HONDA FINANCE CORP (PA)

FCRA Honda finance is to be removed from my credit report it has been over 7 years. And I paid off settlement account closed for 5 years. Delete from my credit report.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

The CRA will not process my requests to lift freeze on my credit report. 

XX/XX/2021 - Online request was made. Error message, telling me to call Equifax. Called them and was told I needed to fax information with ID verification. Information faxed. 

XX/XX/2021 - Online request was made. Error message Instructing me to call Equifax for processing. Automated system would not process, instructing me to fax. Faxed on XX/XX/2021
Consumer complaint received 2024-03-14
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. (OH)

I sent a complaint requesting that you reinvestigate the disputed Account from my credit report as well as Remove or update this Account from my report during the investigation period. As of this date, you have failed to respond to my request. XXXX XXXX Balance : {$10000.00} and XXXX XXXX Balance : {$83.00} or XXXX XXXX Balance : {$83.00}.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (NY)

One Main not authorized Any credit. At no time did I authorize a credit request. Iam looking into fraudulent activity. I want that inquire deleted. I did not sign no such authorization
Consumer complaint received 2021-09-28
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. (NY)

The Following Accounts are CURRENT AND IN GOOD STANDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX POINTS UNECESSSARY THUS DECREASING MY FICO SCORE AND HINDERS MY FINANCIAL OPPORTUNITY. THIS IS CONSISTENT AND ON GOING PROBLEM MONTHLY. I HAVE CONTACTED TRANSUNION REGARDING THE UPDATES. ITS INACCURATE REPORTING.
Consumer complaint received 2021-09-28
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. (NY)

The Following Accounts are CURRENT AND IN GOOD STANDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX POINTS UNECESSSARY THUS DECREASING MY FICO SCORE AND HINDERS MY FINANCIAL OPPORTUNITY. THIS IS CONSISTENT AND ON GOING PROBLEM MONTHLY. I HAVE CONTACTED XXXX REGARDING THE UPDATES. ITS INACCURATE REPORTING.
Consumer complaint received 2021-09-28
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. (CA)

My rights of privacy have been breached and trespassed by this bureau which is a direct violation of federal law. This bureau is also in violation of federal law by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation. 

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