davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Ill start off by saying, its already clear that BofA doesnt understand that what they are doing is improper in he first place. YOU CAN NOT HOLD MY MONEY INDEFINITEY. YOU CAN NOT CONTINUE TO ADD TIME TO WHEN IT IS YOU RETURN THIS SAID MONEY. IT HAS BEEN OVER XXXX YEARS. Now, after speakinig with escalations, it was understood that BofA failed to credit my account. Clearly understood. Thats why the agent filed a " missing credit '' already. SO FOR THE AGENT ON THE PHONE TO TELL ME HE IS STEPPING IN AND IT WILL NOW TAKE ANOTHER XXXX WEEKS IS BEYOND. 
SO WHAT DOES THE CFPB DO EXACTLY??? Because it certaintly didnt light a fire under the XXXX of BofA to do a XXXX thing. Matter of fact, it inspired them to take even longer ... ... ... .... SO forgive me, but im not impressed. BofA doesnt seem to give a XXXX. The CFPB hasnt even sent me any type of response whatsoever ...... 
So basically the lesson learned here, is XXXX Banks can do ANYTHING they want. There is NO oversight, no regulatory agency, XXXX for the consumer to to have a voice. I Even got ta here about the XXXX from BofA explain to me how hes goingh to be on XXXX VACATION in the middle of the investigation ... ... ... .GET XXXX REAL. But that didnt stop them from trying to package the entire situation as if it was to benefit me. GO XXXX YOURSELVES. Inserting yourself in between, what is known as far as missing credits, abd the issue of that money, to extend the time it is issued another XXXX weeks, is not in my best interest. ME WAITING MORE TIME WHILE YOUR ON XXXX VACATION IS NOT IN MY BEST INTEREST!!! YOU TAKING KNOWN INFORMATION< ABD PRETENDING TO DO AN INVESTIGATION< EXTENDING IT ANOTHER 4 WEEKS IS NOT IN MY BEST INTEREST. YOU ONLY OFFERING THE MONEY YOU HAVE TAKEN, IS NOT IN MY BEST INTEREST!!!!! GET XXXX REAL!!!!! YOU CAN BET, IM POSTING THIS ON EVERY SOCIAL MEDIA AND BRINGING AS MUCH ATTENTION TO THE BEHAVIOR OF BOTH THE CFPB, AND ITS LACK OF AUTHORITY, AS WELL AS BOFA AND ITS XXXX GAMES IT FEELS NECESSARY TO PLAY> HOW XXXX DARE BOFA TRY TO PULL WHAT IT JUST TRIED TO PULL. I suppose, Im just going to be a marter as far as this money goes. XXXX I can show as many people as I can, THAT THE CFPB HAS XXXX PRESSURE IT CAN PUT ON BIG BOFA ... ... BOFA RUNS THE SHOW DOESNT IT???? WHAT A DISSAPOINTMENT. BUT AFTER THE BAIL OUTS AND WHAT NOT, NOBODY WILL REALLY SAY THE ARE SURPRISED WILL THEY???? 


XXXX YOU BOFA> EVERY SINGLE ONE OF YOU!!!! YOUR SCUMBAGS, AND YOU KNOW IT. I CANT EXPRESS ENOUGH HOW SICK TO MY STOMACH YOUR ORGANIZATION MAKES ME. you take my money mid pandemic, and your only now tellingme, youll run an investigation, but it so happens, doing it now, only delays me getting my money???? How do you live with yourselves? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Sincerely, XXXX.
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

What Im not understanding is why Ive had contact with XXXX several times regarding this account. XXXX XXXX XXXX {$690.00} CLOSED/CHARGED OFF Opened XX/XX/XXXX Account # XXXX For the past year since XX/XX/XXXX Ive been calling and disputing this inaccurate account to no avail. I recently disputed in XX/XX/XXXX. XXXX has since sent a letter that theyve been sending for the past year. 2. They sent an email and letter stating that the account in question was verified and validated by the creditor, yet theyve neglected to furnish me with the proper documentation. 3. Ive contacted them 3 times over the past 3 weeks, to advise them to delete this invalid account from my report. Still no avail, Im Am now preparing to start litigation process against XXXX This account has been removed from XXXX as well. 4. Lastly, I have a fraud alert placed in my credit profile, that indicates that anyone who runs my credit profile needs to call me and that was never done .Ive reached out to XXXX several times to advise them on unauthorized account access.
Consumer complaint received 2022-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (SC)

Pay pay sent tect they charged me over {$27.00} for a purchases i dont know about and ask me to call about it. I think its fraud activity so i did not communicate with them see attached screen shot of text
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NY)

I changed the amount of my XXXX  for my American Express BUSINESS card Account on Wednesday XX/XX/XXXX from paying the account balance to paying only {$1000.00} because I knew that I could not make the full {$9800.00} payment that would be due. On Wednesday XX/XX/XXXX I also received an emailed confimation from American Express that my XXXX  change request was accepted. 

I made the request more than 48 business hours prior to the withdrawal. 

Yesterday Monday XX/XX/XXXX the entire {$9800.00} was drafted from my business account. 

I did NOT change my XXXX  request on Monday XX/XX/XXXX for my Business card Account, which is what I was told by American Express. 

I did check my XXXX  amount for my PERSONAL card on Monday, but I made no changes. 

There is an issue with American Express 's
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

1 XXXX XXXX affiliated with Equifax has removed XXXX points for decrease payments explanation. 
2.XXXX XXXX associated with Equifax Remove XXXX point which is not substantiated. I reached out to XXXX XXXX and never got any answers. 
3. XXXX XXXX XXXX reporting accounts with a no explanation but saying XXXX XXXX has information update no update. These accounts must be removed 4. XXXX XXXX associated with Equifax have not follow the FCRA by removing accounts ordered by creditors who so the said accounts to multiple collection agencies that did not report the said accounts were paid with XXXX balance keeping my accounts in the negative and crippling my financial growth and credit. This is unfair. XXXX XXXX associated with Equifax has not corrected my credit profile. I am considering legal assistance if this issue can not be corrected. 
5. I have requested that the points be added back 6. XXXX  XXXX took XXXX point from XXXX on a credit card that I don't have. How can points be deducted if I don't have credit cards.
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo XXXX credit card account was opened in my name on XX/XX/22 and used the same day without my knowledge. I have learned when I receive the welcoming package for this fraudulent credit card on XX/XX/22 and went in person, on the same day, to the Wells Fargo Bank at XXXX XXXX XXXX XXXX XXXXXXXX XXXX to show letter and cancel this XXXX account immediately. The manager contacted Wells Fargo Fraud Dept that close the account in the system. On XX/XX/22 i received the XXXX credit card bill of {$710.00} ; account I did not open and trusted it was cancelled as fraudulent one month ago, and at the same day, I contacted XXXX credit card to confirm this is a fraudulent account and it was supposed to be cancelled in the system. I was transferred to the Fraud Dept at Wells Fargo, which open the cancellation # XXXX and did nothing else ( I thought this was done on XX/XX/22 when I went in person to the Wells Fargo Bank ). On XX/XX/22 I received again the XXXX credit card bill to be paid by XX/XX/22. On XX/XX/22, I called XXXX Wells Fargo credit card again and was transferred this time to the Wells Fargo Executive office that issue case # XXXX. They guaranteed I will not get more bills. On XX/XX/22 I received a letter from Wells Fargo Collection stating that " my credit card account remains past due '' - it is attached for your reference. On XX/XX/22 I called the number on the letter that is the Wells Fargo Collection Dept that knew nothing about Fraudulent account and transferred me to the Wells Fargo Claims Dept, which asked my information that Wells Fargo possibly does not have other than my name, address without apt number. I refused to give that person on the phone my social or date of birth. She got rude and it was so upsetting to me that I needed to hang up. Wells Fargo Bank N/A has all the recordings of my calls and it should be taken care of it and nothing has been done. The Wells Fargo bank has been dragging this {$710.00} bill ( actually currently {$740.00} ) for 3 months! This is really not acceptable and this bank needs to respect our time and do the correct action. This bank should close as customer service is not in its priority list.
Consumer complaint received 2023-07-01
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

1 XXXX XXXX affiliated with XXXX has removed XXXX points for decrease payments explanation. 
2.XXXX XXXX associated with XXXX Remove XXXX point which is not substantiated. I reached out to XXXX XXXX and never got any answers. 
3. XXXX XXXX XXXX reporting accounts with a no explanation but saying XXXX XXXX has information update no update. These accounts must be removed 4. XXXX XXXX associated with XXXX have not follow the FCRA by removing accounts ordered by creditors who so the said accounts to multiple collection agencies that did not report the said accounts were paid with XXXX balance keeping my accounts in the negative and crippling my financial growth and credit. This is unfair. XXXX XXXX associated with XXXX has not corrected my credit profile. I am considering legal assistance if this issue can not be corrected. 
5. I have requested that the points be added back 6. XXXX  XXXX took XXXX point from Transunion on a credit card that I don't have. How can points be deducted if I don't have credit cards.
Consumer complaint received 2015-07-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

Portfolio Recovery calls regularly from different numbers. Last night they called from XXXX. I answered and no response on the other end. I have no debts. I pay credit cards within 30 days by auto-pay from my bank. I have no mortgage. Portfolio Recovery should send me written validation of any claim they think they have and stop harassing me on the telephone. 

If they come back and say they ca n't do anything because they do n't know what my phone number is, that is a sham. Your instructions say not to include contact information in this field. Separately you have my name and address.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

There are inquiries on my report that I do not recognize, and in accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XX/XX/21 XXXX  XXXX XX/XX/21 XXXX XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

After XXXX XXXX in XXXX, Carrington Mortgage Company offered a forbearance for 90 days. I took advantage of this forbearance, allowing me to skip XX/XX/XXXX & XX/XX/XXXX payment, with the total amount of the forbearance due in XXXX of XXXX - and was paid in full by the due date. 

I have learned that those 3 months have been reported to the credit bureaus as late. I called Carrington today ( XX/XX/XXXX at XXXX XXXX EST. I asked them why it was reported as late when Carrington made the offer to me and I made all payments as agreed. Carrington confirmed that the information reported ( that my payments were late ) is accurate and they would not update the reporting. 

This is quite unfair- I was without power after XXXX for 17 days, and agreed to this over the telephone- I saw that they were held accountable for charging fees to make payments, so I'm hoping that Someone will hold them accountable for reporting late payments when they were all paid as agreed. 
Thank you for your help. 
XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also States a consumer reporting agency can not furnish a account without my WRITTEN INSTRUCTIONS
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also States a consumer reporting agency can not furnish a account without my WRITTEN INSTRUCTIONS
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc (KY)

On XX/XX/2023 Chime unexpectedly closed my account. They said I had violated our agreement. I was not aware. I had {$5800.00} in the account. They said they would refund my money but never did. When I call now, they say they cant tell me anything about my account. I am not looking to reopen, just have my money returned.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I contacted XXXX XXXX on a XXXX payment, seller did not honor contract. Claim # XXXX, and additionally a police report was filed with XXXX XXXX XXXX XXXX XXXX, case # XXXX. Bank of America was notified, did not respond, I have also called Bank of America about this fraud, I have not been reimbursed for the fraud.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have been checking my balance with Capital One. It seems when I make a payment toward my balance it seems my account balance goes up. I do use this card to purchase some items from XXXX. Each and every time I make a larger payment, my account balance seem to go up. I also notice when they increase my amount of credit I am charged that credit in interest, and when I make a bigger payments they increase the amount of my credit balance, and the amount I owe and interest is based on the new credit amount. I believe that they are responsible of the lowering of my credit scores. 

I do not believe I owe the amount that Capital One claims I owe. This has been going on as long as a year or more. I want them to fix my interest, balance, and credit scores.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: USCB Corporation (NC)

XXXX XX/XX/XXXX {$550.00} Dispute was filed. 
XXXX XXXX XX/XX/XXXX {$1900.00} no action XXXX XXXX XX/XX/XXXX {$7400.00} Dispute was filed. 
XXXX XXXX ' XX/XX/XXXX {$150.00} Dispute was filed. 
XXXX XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX no action. 
XXXX XXXX XXXX {$710.00} XX/XX/XXXX no action. 
XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX no action. 

In accordance with the fair credit reporting act, these companies have violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction. 



..
Consumer complaint received 2019-01-08
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. (TX)

Equifax NOTICE OF DEFAULT ACTION XXXX REF : alleged XXXX XXXX/XXXX   faulure to comply with the FCRA, FCA to a request for information. On XX/XX/2018 I emailed as per enclose documents to, XXXX has failed to provide any thing to me this is a official statement of fact. You Equifax are required by law to remove this alleged account for there failure to comply, warrants removal immediately. Please do so. All response will be forward to the CFPB for violations. This alleged account was disputed to both of you
Consumer complaint received 2015-11-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

This is a follow-up into my previous complaint # : XXXX, filed with the Consumer Financial Protection Bureau against Ocwen Loan Servicing , LLC . 
Ocwen Loan Servicing , LLC responded to it in its response dated XXXX/XXXX/2015. By all measures and explanations and details which Ocwen submitted, this response makes an absolute mockery to the American Financial Institution because it is contemptuous, filled with made up facts and wholly untruthful. 
On XXXX/XXXX/2015, I downloaded a Pay Off quote from Ocwen 's Website and which was also subsequently mailed over to me, probably corresponding to their quote dated XXXX/XXXX/15 in that table which they submitted. This table also refers to XXXX other quotes dated XXXX/XXXX/15 and XXXX/XXXX/15 which perhaps reflect quotes which they would have submitted to XXXX XXXX XXXX, XXXX, and which they claim not to know anything about! 
Ocwen states that on XXXX XXXX, 2015, it disbursed the sum of {$2900.00} for property taxes to XXXX County. In fact, on XXXX/XXXX/2015, I contacted the XXXX County Property Appraiser agency ( XXXX ) which infromed me that said property taxes were actually paid on XXXX/XXXX/2015, the day after my closing sale, and finally the Tax Collector 's office ( XXXX XXXX ) to which I was referred to, stated that the payment was actually made by XXXX XXXX. This absolutely refutes Ocwen 's assertion that it paid the taxes on XXXX XXXX, 2015. 
Ocwen also states that Ocwen received funds to satisfy the loan in full on XXXX XXXX, 2015. Actually, it happened to have been on XXXX XXXX, 2015 that XXXX XXXX XXXX, XXXX wire transferred the sum of {$170000.00}, the loan Payoff amount to Ocwen. And yet, Ocwen goes on a tirade that it would never have been in contact with XXXX XXXX XXXX, XXXX! 
In their Payoff Requirements And Conditions, Ocwen had written that the wire transfer at closing was to be made to Ocwen Loan Servicing , LLC, with Bank Address : XXXX XXXX XXXX. Is it that Ocwen Loan Servicing , LLC is an affiliate/subsidiary of XXXX? 
For what reason did Ocwen feel obliged to totally misconstrue the facts?
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: NCB Management Services Inc. (NJ)

NCB continues to violate the FCRA by the following : Provide 609 Letter with the following detail, Pay off disclosure, Interest Rate Disclosure, Payment History and credit insurance details. 


IRS Publications 4681 ( 2021 ), Canceled Debts, Foreclosures, Repossessions, and Abandonments. IRS defines Charge-off as gross or ordinary income. Income does not get reported on a customer report. Therefore, the reporting of this account as a debt is inaccurate and I am requested to cease and desist the reporting of incorrect/inaccurate information immediately. 

In addition, The continued reporting of the inaccurate information is a clear violation of the laws 15 U.S. Code 1681s2 of your responsibilities as a furnisher of information, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC-9 Part 6 remedies.

15 U.S. Code 1681 ( a-4 ) Congressional Findings and Statement Purpose As a consumer Congress gives the right to privacy, I demand a removal of this account immediately. The law states There is a need to insure that consumer reporting agencies exercise heir grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

According to consumer Law collection agencies must be in the state in which the consumer resides, The agency is is PA I reside in NJ. 

All information must be accurate and verified according to FCRA, Inaccurate reporting is a violation and proof is attached of all the inaccuracies reflecting on my consumer report.