davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-26
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: Experian Information Solutions Inc. (PA)

I have contacted the three major credit reporting agencies regarding an account listed on my consumer credit file for XXXX XXXX XXXX, which is listed as a medical collection account. I have never opened an account with this firm, they have fraudulently placed this account on my credit file and this is a direct violation of federal law- the HIPPA law. I gave the company and the CRAs ample opportunity to remove this account and they refused.
Consumer complaint received 2022-05-23
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: ALLY FINANCIAL INC. (CA)

In accordance with the " Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Sec 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 an 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 2019-11-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (VA)

In XXXX of XXXX my fiancee and I received a letter from our mortgage company, Freedom Mortgage, stating that we could do a FHA streamline refinance to save some money. We called and applied. On XX/XX/XXXX, we closed on the refinance and sent out the closing costs in a wire transfer. We thought everything was fine and we were told not to pay a payment for XXXX or XXXX. 2 weeks later I received a bill for {$3400.00}, the amount of XXXX 's and XXXX 's payment plus late charges. I called Freedom mortgage and was told that my new loan was funded on XX/XX/XXXX and to disregard the bill. The money for XXXX 's payment was spent on vehicle repairs and to fix a plumbing issue because I thought it was safe to spend it. Less than a week after that phone conversation, I started receiving emails and phone calls ( 10-15 a day ) saying that I needed to reschedule our closing. I called to find out what was going on and no one could tell me why. Finally, I got an email stating that the closing company hadn't received the closing costs. After being told that for over a week, they refunded me the closing costs that they claim they did not receive. Then I was told that the closing company left out a document and in order to reschedule closing, I would have to pay the XXXX bill. I had to put other bills on hold but payed the payment ( over a month late ). We rescheduled for XXXX. One hour before the notary was supposed to come, I received an email stating that Freedom mortgage was in the process of removing late charges from my account and we would have to reschedule. The following week I received a call and several emails saying that I would have to pay XXXX 's payment to reschedule. I did not have the money to do this. I told them that I was applying elsewhere because they were incompetent. The following day they turned me in to the credit bureaus for late pays and lowered my credit score almost 100 points. This completely blocked me from switching companies. My payment history was exceptional for my mortgage and most of my other accounts. The only reason we fell behind is because we trusted our mortgage company to handle a simple refinance. Now I have had to cancel a planned vacation and I have no idea how my kids will get a XXXX. I cant sleep at night., Please tell me they are not allowed to treat people this way.
Consumer complaint received 2017-12-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Total Card, Inc. (FL)

I checked the Florida XXXX XXXX XXXX XXXX for a license search only to find out that this Company has an approved license only for the county of XXXX in the State of South Dakota. They 're not licensed in the State of Florida. 

License Type : Consumer Collection Agency Status : Approved Status Effective Date : XXXX/XXXX/XXXX Original Date of License : XXXX/XXXX/XXXX License Number : XXXX License Expiration Date : XXXX/XXXX/XXXX License Main Address XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : SD Zip Code : XXXX License Mailing Address XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : SD Zip Code : XXXX Phone Number : XXXX -
Consumer complaint received 2022-05-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: On The Barrelhead, LLC (MA)

This company and it's affiliates are running deceptive advertising on social media platforms. They are claiming Congress approved a new program offering {$50000.00} deposits to anyone. At no time does the ad state it is for a high-interest personal loan. The company runs many advertisements with fake, XXXX  news articles from XXXX XXXX and XXXX. 

The ads appear to be run by On the Barrelhead, Inc. d/b/a PersonalLoanPro XXXX # XXXX. 


The transcript of an example deceptive ad follows ( original video is attached ) " This is being covered up by XXXX buying XXXX. 

Congress was just on the news announcing this new program that's giving Americans over the age of 21 up to {$50000.00}. 

You don't need any credit history, or bank requirements at all to get your deposit. 

The best part is anybody can do this online and it only takes a few minutes, all you have to do is let them know why you need the money, how much money you need, and just like that you can see how much '' - This is not being " covered up '' by XXXX buying XXXX - Neither congress nor any government official was " just on the news '' announcing such a program - Credit history AND banking is required to obtain a loan and get the deposit - Anyone can not do this
Consumer complaint received 2023-02-06
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: Experian Information Solutions Inc. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-26
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: EQUIFAX, INC. (PA)

I have reached out to the credit reporting agencies multiple time about the XXXX XXXX XXXX XXXX being on my credit report. I stated clearly where fraud and breach of contract occurred from the onset of the contract. I also stated my issues with the repossession, I was never notified of the disclosures that were to be supplied to me in accordance with UCC 9 and the unlawful late payments placed in my file, which is in violation to 15 USC 1666B, nothing was done and this account is still showing up on my report. I contacted XXXX XXXX as well and the only follow I received was letter from someone at the company stating they were not responding and they deny every thing I brought up to them.
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I have sent several disputes to the XXXX XXXX XXXX ranging from XXXX XXXX to XXXX XXXX to inform them they were reporting inaccurate information on my credit file. 

The account is reporting late from XXXX XXXX to XXXX XXXX ( inaccurate ) and the account is also reporting as open when in fact it has been closed for almost a year. 
Upon contacting the company multiple times to dispute the information they also send a letter back asking me to send more information for them to continue the investigation. 

According to the FCRA inaccurate information must be updated or deleted from credit files ; however, they are not complying and constantly sending back letters asking me to send copies of my credit report along with more information which I have done and upon doing so I get the same response over and over.
Consumer complaint received 2022-12-17
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: ALLY FINANCIAL INC. (CA)

I currently have over 40 Hard Inquiries on my credit report and I have not given consent for my credit to be ran that many times within a 2 month span of time. Some companies ran the credit information double and triple times.
Consumer complaint received 2023-04-19
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. (FL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$8400.00} ; XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  : {$11000.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Two years ago I wrote a letter into the company asking for a good will to remove late payment on my account for XXXX in 2017. The company has not replied to my letter and this is having an adverse impact on my credit score. It was an unfortunate time when it happened during the back to back passing of my aunt and father ; Ive sent them evidence of their passing to prove my unfortunate circumstance. I was their primary care giver and prior to that and after up until this date Ive maintained immaculate payment record with the company.
Consumer complaint received 2023-02-06
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: Experian Information Solutions Inc. (LA)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX BANK XXXX Balance : {$0.00} XXXX XX/XX/2021
Consumer complaint received 2024-03-12
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. (CA)

I've called XXXX XXXX XXXX XXXX XXXX numerous times on behalf of myself and my husband. We have a credit card with this bank that had a high balance which was paid completely off on XX/XX/XXXX. They've agreed to update my husband 's credit report to reflect the XXXX balance, but they've not updated my credit report to reflect this account has been paid in full. I've spoken to them as recently asXX/XX/XXXX and was assured by an employee named XXXX that she would handle the situation for me. 

I've checked my husband 's credit file this morning and his is stating correct info. My credit report is still showing a high balance owed to this company.
Consumer complaint received 2022-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Avant Holding Company, Inc. (PA)

A credit card was opened in my maiden name in XX/XX/2022 with XXXX XXXX  LLC/Avant. I have contacted the company, sent a police report, and documents proving it was fraudulent and they still will not remove the inquiry from my credit report. The line of credit was fraudulent as well as an address listed on my credit report.
Consumer complaint received 2022-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello my name is XXXX XXXX, and this complaint is regarding Bank of America. 
My address is - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX I can be reached at ( XXXX ) XXXX / XXXX Please, help me with following two issues. 

1 ) In XXXX BOA levied my BOA checking account for {$12000.00} due to faulty IRS overestimation of my income- I sold my assets back to the corporate but it was accounted for as commissions earned. 

2 ) In XXXX BOA XXXX branch in XXXX XXXX CA, refused to cash my check despite more than enough proof of identification. The branch manager told me the bank will need to call the police for further identification. It was a Saturday morning and the lobby was crowded with about 75 customers. Upon arrival of the police, I was placed under arrest and everyone in the lobby thought I was some sort of a fraud or a bank robber. As a result I had to stop working because of the rumors that spread since the arrest at the bank, and my reputation is still to this day beyond recovery making it impossible for me to work. At the time of the arrest there were people who knew me and what I do for living. Since that arrest I became unemployed and homeless for about 6 years. 
A few years ago about XXXX I filed a federal consumers complaint to Washington DC about this incident and BOA legal Department responded to me with a letter stating that BOA would pay me a settlement ( CASE # XXXX ). However, I have tried everything in my power to reach the department that was handling my cases but no one ever responded back and I still have not received the settlement from BOA. Its been like 7 painful years and I'm afraid I might never recover from this traumatic incident. The following is an email I received from BOA. 


Enterprise Resolution XXXX XX/XX/XXXX, XXXX XXXX  to me Dear XXXX XXXX : Thank you for contacting Regulatory Complaints of Bank of America . As your Resolution Specialist I welcome the opportunity to address your concerns.

I am your dedicated point of contact until this matter is resolved. Please note that the Bank of America email address this email is being sent from is not monitored for incoming messages ; therefore, please contact me directly at the number listed below at your earliest convenience. My days and hours of operation are Monday to Friday, XXXX XXXX XXXX XXXX XXXX Eastern. 

I appreciate you taking the time to bring this matter to my attention. I look forward to assisting you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX XXXX, Extension XXXX XXXX This message, and any attachments, is for the intended recipient ( s ) only, may contain information that is privileged, confidential and/or proprietary and subject to important terms and conditions available at http : //www.bankofamerica.com/emaildisclaimer. If you are not the intended recipient, please delete this message.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-05-26
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

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 any, open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-23
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: AMERICAN EXPRESS COMPANY (CA)

In accordance with the " Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Sec 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 an 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 2017-07-11
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: ACS Education Services (VA)

To Whom it May concern : I am writing to see if  ACS Education  would make an adjustment to an error in your reporting to the  XXXX  credit agencies. I have  XXXX  late payments on my account that date back to  XXXX ,  XXXX , and  XXXX     2014  when it happen. During that year "  2014  '' I was late 2 months which resulted in  XXXX  being 60 days late. I have an email showing that on  XXXX   XXXX   2014 . I submitted for a short deferment for my situation so I wouldnt get back in the situation I was once in, prior years before. I was also was informed on the phone that it takes 5 to 7 days for processing. Which would have been in range before my next payment on  XX/XX/XXXX   before a late payment would go in effect for the 2nd late payment on my report. I have the email to show as well. This kind of action is wrongful practice to your clients and reporting in error, as if your client never communicated with you and I have been in deferment before without an issue.
Consumer complaint received 2023-09-07
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. (OH)

I have filed complaints and FTC Reports regarding a XXXX XXXX XXXX account appearing TWICE on my credit report. I have contacted the creditor and they refuse to provide any information or why this account is reporting twice to my credit report because they said they do not have my information in their system. It appears that the creditor is reporting personal information that does not belong to me such as an address. This address does not appear on my credit report nor belong to me and I have informed the credit reporting agencies of this information. The credit reporting agencies are refusing to investigate and remove this fraudulent information even though an FTC report was submitted. I don't know what else to do at this point because I have contacted the company, and the credit reporting agencies, and filed a FTC report.
Consumer complaint received 2019-06-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (OH)

Issue Debt collection to : XXXX XXXX regard to : Credit Collection services Creditor : XXXX XXXX   Account Ending : XXXX ( Joint checking account ) Primary Holder or Co-Applicant Holder File Number : XXXX XXXX Date XX/XX/19 Amount : {$300.00} Remarks : This typical checking account always occurs a negative balances which nowhere of usage and declaration correctly from Institution.
Consumer complaint received 2017-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I submitted a check via Capital One 360 Bank 's mobile application check deposit service. The check cleared the initial stage of verification, but at the end of the five-business-day hold, my funds were n't released to me ; paradoxically, my account was frozen. I have contacted Capital One 360 Bank about twenty-five times in regards to this issue, and been unable to reach a suitable resolution.