davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (MA)

In XXXX, Wells Fargo sent us balance transfer checks be used before XX/XX/XXXX on our card which balance had been paid in full in early XX/XX/XXXX ; however we continued to get XXXX balance statements through XX/XX/XXXX. Upon attempting to take advantage of the offer on XX/XX/XXXX, we were informed that our credit card was closed. No reason was given over the phone ; we were told a letter would be sent within a week. On XX/XX/XXXX we received the letter dated XX/XX/XXXX which stated that our account was closed on XX/XX/XXXX ( the day we called ) listing 3 reasons, 2 of which were completely erroneous. They claimed amounts owed on credit cards were near or at limit ( we had no credit card balances ; all had been paid in XX/XX/XXXX ), and that there were late payments on our credit report ( had none of these either except for the hardship WF had suggested and granted to us on our mortgage for storm damage in XXXX that many people had experience and which arrearage we paid in full in XX/XX/XXXX ). We pulled our credit report which confirmed our position. On XX/XX/XXXX we again contacted them to file a complaint and state that our credit report was totally contrary to their reasons. We were told via email on XX/XX/XXXX they would " research '' it by XX/XX/XXXX. Instead on XX/XX/XXXX ( one day of " research ''? ), they sent the identical letter to us again and further stated that they had a right to cancel a card " at any time and for any reason ''. Had they " researched '' it and looked at our credit report, they would have seen that their reasons were erroneous. 
The third reason they gave was that we had no checking or savings with WF ; this was/is true. We had a mortgage with WF since XXXX. In XX/XX/XXXX we reached out to WF to refinance at a lower interest rate. They could not meet competitive rates and we began inquiries with other lending institutions. In XXXX, they ( WF ) reached out to us to refinance but again they did not want to reduce the interest rate, only to extend the term, so we refinanced elsewhere in XX/XX/XXXX at a much lower rate. 
As previously stated, up through XX/XX/XXXX we continued to received XXXX balance credit card statements from WF showing a full credit limit available. Up to that date, we were never told the card had been closed, and, if so, why send us the checks. We believe the real reason that WF closed our card was that we refinanced elsewhere, yet they negatively and erroneously reported false information as to why our card was closed. The joke is on them as they have lost all the mortgage interest they would have continued to receive on our refinanced 30 year mortgage. We agree that they have a right to cancel a card at any time and for any reason. We do NOT believe they have the right, however, to fraudulently report false and erroneous reasons and to negatively impact our credit score. We completely understand why they have so many complaints against them.
Consumer complaint received 2021-02-07
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BMO Bank, N.A. (IL)

BMO alleges I owe a debt and it is completely false. I have spent numerous hours attempting to show them and yet they continue to harass me, report me to credit bureaus and threaten to seize my property. Here is a copy/paste of what I have sent recently and what is similar to what I have sent in the past. 

XX/XX/XXXX I moved and began a series of useless calls with your company trying to update my address. I was even told to drive to a local BMO just to change my address. I was not getting statements XX/XX/XXXX Same as above XX/XX/XXXX Same as above XX/XX/XXXX {$64.00} via XXXX due XXXX. XXXX XX/XX/XXXX {$110.00} via XXXX due XXXX XXXX ALSO INCLUDED XXXX WHICH WAS MISSED B/C YOU XXXX SWITCHED TO XXXX  AND NO ONE SENT ME ANYTHING. THIS WAS AFTER I ALREADY UPDATED MY ADDRESS IN PERSON AT A LOCAL BMO XXXX BRANCH AND OVER THE PHONE MULTIPLE TIMES. The late fee was waived due to BMOs admitted failure to 1 ) send correspondence to the correct address ; 2 ) provide due notice of a change in loan servicers ; 3 ) provide updated mailing address for new servicer ; 4 ) provide updated loan number under new servicer XX/XX/XXXX {$64.00} via XXXX due XXXX XXXX XX/XX/XXXX {$60.00} via XXXX due XXXX XXXX XX/XX/XXXX {$65.00} via XXXX due XXXX XXXX XX/XX/XXXX {$64.00} via XXXX due XXXX XXXX XX/XX/XXXX {$60.00} via XXXX due XXXX XXXX XX/XX/XXXX {$74.00} via XXXX due XXXX You are in breach of all applicable state and local laws by continuing to report my account delinquent, by harassing me and threatening me via written letters sent both via regular US Mail and certified US Mail . At this time, I will be filing complaints with the consumer Financial Protection Bureau & appropriate local state agencies. Further, I intend to retain counsel and seek reimbursement of those legal fees, costs, plus interests and damages as appropriate.
Consumer complaint received 2022-04-20
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-02-07
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Bankruptcy Court is not an information provider as we do not report any information to these agencies. 
Under the Fair credit reporting act, take appropriate action to correct inaccurate or incomplete information on a credit report. I spoke witht the courthouse and they not verify bankruptcy at all with you
Consumer complaint received 2021-02-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My XXXX, XXXX XXXX XXXX XXXX XXXX, passed away on XX/XX/XXXX. He and my mother, XXXX XXXX, had several joint accounts, and all but one was available to her after my fathers passing. The one unavailable account, a savings account at Bank of America, account number XXXX XXXX XXXX, holding approximately {$14000.00}, was frozen. After phone and US mail exchanges, without the funds being released, my mother filed a complaint with you regarding her inability to access my fathers and her joint account ( case no. XXXX ). 

Bank of America responded that there were mixed records on the account, which had been acquired by them with the purchase of XXXX XXXX XXXX. They said that the account therefore belonged in my fathers estate. This answer, though not entirely satisfactory, was accepted by us because Bank of America gave paperwork to complete for a check to be sent for the amount in the account. We wished for expediency over arguing about the unsettling conclusion regarding my parents joint account. The paperwork gave us a path forward. 

As the Personal Representative of my fathers estate, I took the steps of opening a checking account for the estate and completing the paperwork to get a check that could be deposited in that new account. Bank of America had asked that I submit the forms by fax or mail. After submitting the forms by fax on XX/XX/XXXX, and not hearing back, I resubmitted by fax on XX/XX/XXXX. After again not receiving the check or correspondence, I tried a different tack and submitted the forms by US mail on XX/XX/XXXX, explaining the history and asking to be contacted if I did anything wrong. 

As I have still not been contacted, and I have not received a check, I have found my way to the CFPB in hope that you can help me resolve this. Though related, the issue is now different from my mothers issue in her prior complaint. My problem is that Bank of America will not send a check for funds in my fathers estate. I worry that the reason is the conflicting history of the account Bank of America described in its letter to my mother, the same complication that led them to freeze my mother out of the account.
Consumer complaint received 2021-02-07
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. (OH)

The accounts listed below are reporting inaccurately on my credit report and it is in violation of Federal Law. I went through bankruptcy and noticed the accounts that were disputed in my bankruptcy are still showing on my report. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
I definitely feel this is a negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX The following addresses are not mines please delete/remove them : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX  XXXX, OH XXXX This is my only number XXXX All other telephone numbers are not accurate. 
( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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 2021-02-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (SC)

Purchased 2 leather recliners from XXXX XXXX on XX/XX/XXXX. XXXX was supposed to be delivered in XXXX. Got several emails stated delivery date was pushed for ward several times. XXXX XXXX XXXX on XX/XX/XXXX and spoke with XXXX and cancelled order. She stated she had cancelled order. Furthermore, I contacted the credit card company Comenity Bank that issues XXXX XXXX Credit card and closed the account. and was assured that no charges would appear. However the charges of {$3500.00} appeared on a statement for XX/XX/XXXX for the order I had not only cancelled on XX/XX/XXXX but the ordered merchandise was never shipped and the order tracking number indicated order has never been shipped to my address. To further document my intent to cancel this order I also filled XXXX XXXX XXXX complaint ( case # XXXX XXXX on XX/XX/XXXX. I also closed the Comenity Bank XXXX XXXX credit card before the items were charged. I was assured when by Comenity Bank when I closed the account that no further charges would be allowed after the closing.
Consumer complaint received 2021-02-06
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: Onity Group Inc. (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-02-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I sent {$600.00} to my brother through bank of Americas XXXX transfer service to his phone number that is linked to his XXXX XXXX account. The money was placed on hold by Bank of America for around a day. It then said that the transfer was completed. However, he never received the money. He also never received a text or email asking him to accept the transfer. He checked in both his bank app and his XXXX  app to ensure the phone number and account were correct and there was no evidence of any transfer request. I tried sending him a smaller amount to the same number and it completed with no problem. I initiated a dispute through Bank of America after waiting a week at their advice. They said they would look into it. The dispute never showed up in my open disputes menu, so I had to call them every time I wanted to check its status which I did around three times. Eventually I got a letter saying that the dispute was rejected but that they had contacted his bank to continue the investigation on their end. He then called his bank and they said they have not been contacted by Bank of America regarding this matter. They dont have any record of the transfer or the money in relation to his account.
Consumer complaint received 2021-02-07
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MS)

Bankruptcy Court is not an information provider as we do not report any information to these agencies. 
Under the Fair credit reporting act, take appropriate action to correct inaccurate or incomplete information on a credit report. I spoke witht the courthouse and they not verify bankruptcy at all with you
Consumer complaint received 2021-02-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX keeps showing a Collection account under the name portfolio associates which is for XXXX XXXX for the amount of {$870.00} which is not mines and has been removed from my XXXX  and XXXX account but XXXX has yet to remove it.
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2021-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (GA)

Since the first week of XXXX of XXXX, I have been receiving calls, emails, and letters from the Paypal Collection department asking to collect a negative balance of {$65.00}. 
I have contacted Paypal customer service via message on XX/XX/XXXX and was told there is no negative balance on my account and to ignore the messages since it could be a scam. After PayPal continue contacting me on many occasions I decided to call the Paypal collections department to inquire about the debt and was told they have records of two PayPal accounts under the same name, email, and telephone number and assure me that on one of those accounts I owned {$65.00} for a purchase that I don't recognize. 
I explain that I have no knowledge of the extra account or purchase they state, so they advise me to contact PayPal customer service to close the duplicate account. 
On XX/XX/XXXX I contacted PayPal customer service and was told that there is no duplicate account since there is no possible to have two accounts under the same name, email, or phone number. Unfortunately, they did not offer a resolution and ignored my request. 
I have tried unsuccessfully to solve this issue by calling and contacting PayPal collections as well as PayPal customer support on many occasions after XX/XX/XXXX and keep being sent from one department to another. 
Now there is a private collection agency ( XXXX XXXX XXXX XXXX ) trying to collect the {$65.00} debt.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have recently been reading up on 15 USC chapter 41 as it relates to credit. I understand that any transaction that arose from the use of a credit card must be excluded from my consumer reports. I also understand that a credit card is defined as any card or device use for the purpose of obtaining money, property, labor or services. I disputed these items OVER 30 days ago and my dispute was ignored which is a violation of the FCRA. 

The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor or services on credit. 

Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 Chapter 41. 

The following accounts need to be removed immediately : 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2021-06-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was a victim of identity theft as a result of being homeless and did not have a physical address in 2013. Numerous accounts were open without my permission. The creditors call and harass me daily for debt. I explained that those debts were not mine. They sent me incomplete billing info with inaccuracies. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and I am still fighting that. I hired a credit repair company to help me with these disputes, as I am new to this. They are not cooperating and stated that they are willing to take a settlement. I don't know what else to do so I am finally coming to you guys for some guidance please.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Trans Union would not allow me to gain full access to my credit report because I have initiated a freeze with this company for failing to deal with the disputes of inquiries in the past. Today, I was able to only initiate a dispute through their DISPUTE website PAGE when I realized that there is inaccurate information being reported by my credit union. In an effort to dispute BOTH accounts that are inaccurately reported, Trans Union would only ALLOW me to initiate ONE disputed account at time and their rules require that I wait the full 30 days before another dispute can be initiated. This rule prevents me for having full access to accurate information being reported by them.
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Freedom Mortgage Company (WA)

I filled a chapter XXXX bankruptcy and for 2 years I have been making my payment but it shows discharged and the company will not put my payments on my credit report, my attorney stated that they should not be doing this and informed me of your service. Freedom Mortgage will not add my account as active and current. I am including my 1098 from 2020.
Consumer complaint received 2021-02-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANCO POPULAR DE PUERTO RICO (FL)

Please read this Please read this I have made this complaint twice now and your company keeps blowing me off and saying it is resolved IT IS NOT RESOLVED This has been going on since last year This Banco Popular XXXX XXXX XXXX has not listed my mortgage payments on my bank mortgage account. I have submitted my paperwork prior. I pay EVERY MONTH yet they STILL have not listed my XXXX payments on the account. They will not help me and say to call XXXX XXXX where they hardly speak English and I can not speak XXXX, yet I got the loan at the Banco Pop XXXX XXXX XXXX XXXX They will not mail me my monthly statements and I ask and ask and ask They are lazy and rude there. How can they not mail me my monthly statements They don't keep my credit company monthly payments up to date either I can not get anyone to email me about if my mortgage total is really being paid off correctly