davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXXXXXX XXXXXXXX # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights XXXX 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NJ)

XX/XX/XXXX I sent in a dispute letter to Citi Cards CBNA and all XXXX credit bureaus. On XX/XX/XXXX I sent a second dispute letter to Citi Cards CBNA and XXXX  credit bureau regarding a collection/charge-off that was opened in XXXX. XXXX  is still the only credit bureau listed on my credit report while XXXX  and XXXX  has since deleted this collection/charge-off from my report the first time around. It is well over 30 days again and the account still has hasn't been updated or removed.
Consumer complaint received 2020-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I recieved a letter from Bank of America on XX/XX/20 stating that my account was being closed due to inactivity, utilization of credit being too high, and current or past delinquencies with one or more of my creditors. I had a XXXX line on this credit card. I checked my credit report and it shows NO delinquencies. I also tried to utilize my BOA card last week and it was declined. They have now made my credit utilization score even worse by removing XXXX in available credit from the calculation. I am extremely upset as I work hard as a single mom to try and keep my finances in check. This is a huge blow to my credit.
Consumer complaint received 2023-07-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: WLCC (FL)

I dont have an account with this company. The name of the company is explore credit. When I received a charge through my checking account in the amount of {$280.00} I began to research who this company was to find a phone number to call them and let them know that this charge to my checking account was fraudulent. I had spoke to someone by the name of XXXX who advised me that I had applied for a loan and received {$900.00} and they were debiting my account. I explained to the customer service rep that I did not apply for a loan and I didnt even know anything about them. I explained that they should not be taking out any funds from my account. He then put me on hold, asked me for my Social Security number, which I was reluctant to have to give him to get the any where with the situation. 

He advised me that there was an error and that it would take 3 to 5 business days for the funds to go back into my account. I explain to him that I didnt have an account with him. Why is it taking so long for the funds to end up back into my account, he stated that thats just how Banking works. I said to him do you just go around just taking money out of peoples accounts that dont even have an account with you I mean how did you get my information anyways, he couldnt answer that question. I explain to him that he had put me in a horrible bind as I have XXXX XXXX XXXX XXXX and a holiday tomorrow. He couldve cared less but I find it kind of strange that this gentleman had my information including my checking account information as well as my Social Security number and I did not have an account with his company nor did I ever apply for a loan with them, they now have my money and are telling me that I have to wait. He told me I could contact my bank and they could put a request in to reverse the funds. I explain to him that it should not be up to me to have to deal with any of this Since I didnt have dealings with his company that they have put me in a horrible bind he gave me an empty gesture and hung up the phone.
Consumer complaint received 2023-12-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SANTANDER HOLDINGS USA, INC. (NY)

I initiated a transfer with Santander bank to transfer {$25000.00} from my account at XXXX to fund my account at Santander. Both bank accounts belong to me. On XX/XX/XXXX XXXX withdrew from my external account XXXX {$25000.00} and verified with an email that transfer was on its way. XX/XX/XXXX I got an email saying that they are sending the {$25000.00} back to XXXX and I should be on the look out for the return. As of today XX/XX/XXXX I have not received the money. I went to branch twice and called numerous times. Each time the response was, we are looking into it.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is an additional complaint to my open complaint against Bank of America. 
Recently after I advised the bank of my complaint with ( CFPD ) your office. And it being 90 days of my unresolved claims the bank closed my claims So that they would be within the federal guidelines 90 day policy in which to resolve my claims. Its a false claim on their part and its cheating the system .They wanted to show that the claims were resolved within the 90 day time frame. However, the claims have not been resolved and because I have not been given the chance to submit my evidence to them. Furthermore, they have stated that I have until the XXXX of this month to submit my evidence even though it shows these claims closed. It is now the XXXX and I have not received the merchants response or the documentation of signatures and swipe records or any records from the bank. BofA has stated that they sent them to me on the XXXX but I have not received them as of yet. I spoke to their claims dept and they advised me that they were going to email this documentation out to me yesterday but I have not received it. They closed the case only to show that they handled my claims within the 90 day process which they did not and they are running down the clock on the dead line to turn in my statement which I have to wait until I receive the document from the merchant. And everyday that goes by without receiving these documents I have less time to prepare my statement by the deadline of the XXXX. Its not fair and Its being done intentionally.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Collection Bureau of America Ltd. (FL)

COLLECTION BUREAU OF A Original creditor : XXXX XXXX XXXX XXXX XXXX - Balance updated XX/XX/2019 This Account was Apid in full, yet it still shows on my credit report as in collections.
Consumer complaint received 2020-11-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (AR)

I opened an account with chime in XXXX of 2020 period at the time I was living in XXXX and had to provide proof of residence as well as a copy of my XXXX driver 's license which I did. I have been using the account since XXXX lost my debit card one time even and had to get a replacement sent to me. Around the XXXX  of XXXX I started receiving my unemployment benefits from XXXX  that comes to my XXXX account direct deposit noted regular unemployment for XXXX XXXX which is the name the account is in. the end of XXXX I had to come to XXXX and was going to be out here for a few weeks maybe a month or so I called chime to ask if I should change my address they advise me yes I should. I changed my address and did very next day chime froze my account with every XXXX of money I had in it. I provided the same day the account was closed all the information that they wanted and spoke with a manager who advised me yes they had everything and that I should have got a warning before they close the account as well as when they close the account but at that time I had received nothing. The very next day I did receive something from chime saying that they closed my account and said why and with a list of stuff they needed I proceeded to call spoke with another supervisor this time and was advised everything was in there that that was automatic replied that my account should be open in 24 to 48 hours I waited the 48 hours still nothing I called back was advised they didn't have anything and was told that I was lying that I had not seen anything and was hung up on I called back and got a manager and the manager found the stuff I had and said that they did need a copy of the picture of me holding my ID which I provided to him as we were on the phone and verified with him that he received it fast forward same story 24 to 48 hours I should have my account back keep in mind I can't claim my unemployment for these time either because there's no account for it to go into and they've got every XXXX I have so fast forward till today I get an email saying that they close my account because it was not in compliance because I was getting unemployment from XXXX  and living in Arkansas even though I started getting my unemployment in XXXX  and I provided proof where I was working in XXXX  and moved to XXXX  temporarily but I can't get unemployment in XXXX  because I worked in XXXX so since then has they've been dragging me on I have lost my place to live I am now XXXX I have no money and I've lost sight in my right eye because I could not get the medicine needed to get the XXXX out of it
Consumer complaint received 2020-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

My loan was transferred to Shellpoint Mortgage Services in XXXX of 2020. As of XX/XX/2020 the loan was paid in full and all loan requirements were satisfied to release lien and title. In order to transfer the property to real property from a mobile home, DMV ( Department of Motor Vehicles ) requires the original title or original release of lien to be provided. After contacting Shellpoint Mortgage reoccuring weekly since XX/XX/2020 to provide ORIGINAL release of lien or title I have still not received. Shellpoint mortgage has since operated like a predatory lender and violates their policy to send original copies of requested documents within 90 days. 

My wife lost her job due to COVID and we have been trying to sell the property since XXXX for some financial relief and Shellpoint continues to delay this information and handles the situation very laxed with no regard for doing their part.
Consumer complaint received 2020-11-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NAVY FEDERAL CREDIT UNION (FL)

I got quoted at 5 % interest by a representative at NFCU for my car loan for a new car. I stressed to them that Im new to this and have no idea how the process goes and asked that nothing will change over the course of me buying the car they reassured me. 

( I also work out the numbers in front of the rep for the payments and she sits there and doesnt tell me about how the interest is ROLLING interest. Had no idea what that was until after I called to complain about my insanely high interest rate. ) So I go and but the car, the dealership continued to finalize the deal with my bank ( Navy Federal Credit XXXX  ) and Im not sure if it was the dealership or NFCU, but someone withheld information. I get home with the car and about a week and a half later I see a notification in my bank app saying Im sitting on 12 % interest. 

I called and asked why they said the car isnt new Yet I wasnt told what qualifies a car as new, I ask to have the number brought down to a reasonable percentage and they decline. I tell them Im looking for a house and this is making it hard for me to even consider them for that loan then all of a sudden they can do something about the loan. Theyll give me a better rate. At that point I knew something was up. They were running my pockets to bring their company back on its feet after covid hit by giving me false hope. I confirmed it when I went and ran the loan calculator with my cars vin number on their website. It came up to 6 %. The car already started depreciating and I knew Ive already been down a couple thousands on top of closing fees and insurances i bought for the car. it would have been a huge waste of money if I just brought it back. I need help. Its just crazy how my credit score of XXXX points shy of XXXX landed me in a 12 % interest pool.
Consumer complaint received 2020-11-11
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (PA)

I had reported an issue of Unauthorized Transactions about 3 months ago. This issue has been fully investigated, resolved and closed completed by a month ago. However my account has been locked for well over 2 full months. 
I have done everything asked of me as far as providing ID verification. All of my info has been received and processed and logged since XX/XX/XXXX. No one can give me any explanation as to why my account is still.locked. I call repeatedly. Only to be given a new date of when my account will be unlocked. Only to call in again with yet another story!!! And false time frame. What a joke! I wait for hours on hold. Supposedly numerous tickets have been submitted on my behalf that according to US Bank must be answered in a certain time and none have been. Never have I dealt with such a totally incompetent and unprofessional company. 
I've also sent proof of hardship. To no avail. Here we are sending copies of licenses. SS cards. Tax forms etc. And to who really? For all we know this could be a complete and total scam for identity fraud. They could be the real culprits. Please investigate immediately. Also no phone numbers are provided for where you are to fax the ID verification docs.
Consumer complaint received 2023-02-09
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. (TX)

Hi I was advised to reach out to you all about some accounts on my credit report that I dont know anything about. I went to the bank the other day to start the process to buy a home for my family and my banker was going on my credit and as she was naming things there are several accounts on there I know nothing about. Here are the items that needs to come off because they belong to someone else : 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 There were also several inquiries that are not mine : 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. I really need help with this im doing this by myself and need some help.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ALL ( 3 ) " CRA '' REPORTING INCORRECT OUTDATED SINCE 2013 AND " PACER '' DATA OF ACCOUNT NOT MINES ... .. CHXXXX BANKRUPTCY ID # XXXX AND DUPLICATED OF VARIOUS OTHER ACCOUNTS REPORTED UNDER THE SAME AS BANKRUPTCY ... ID FRAUD ACCOUNTS " : BANKRUPTCY XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX/ XXXX, XXXX XXXX/ XXXX, XXXX XXXX '' .. REMOVE ALL FRAUD ACCOUNTS FROM CREDIT FILE ASAP.
Consumer complaint received 2023-07-03
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: EQUIFAX, INC. (NY)

AS XX/XX/XXXX I HAVE NOTICE FRAUDULENT INQUIRES IT IS NOW XX/XX/XXXX THE 3 CREDIT BUREAS AND THE COMPANIES LOSTED BELOW TOOK MORE THAN 45 days to respond according to the " FAIR CARES ACT '' ALL COMPANIES INVOLVED ARE NOW VIOLATING THE LAW! 
REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY BEFORE I HAVE TO MAKE LAW SUIT!!!! 

Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type All Banks Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Phone number By mail only ( tel : MAIL % XXXX ) XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX & XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX ( XXXX ) XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX & XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX ( XXXX ) CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-03-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ)

On XX/XX/, I transferred {$3700.00} from USA to XXXX  using the express option from bank to bank and I paid a {$2.00} fee to Moneygram. The same day I received an e-mail from Moneygram saying that the transfer has been sent. The funds were withdrawn from my XXXX  XXXX  account on XX/XX/. Today I inquired via chat ( XXXX ) for the status since I was told by the my brother-in-law that the money has not been received. I was told that the transfer was pending review (? ) and additional information was required by someone. I needed to call some XXXX  number to find out what's going on. In the meantime that are holding to the fund. Since I have transferred funds from my XXXX  XXXX  account to my brother-in-law several times before using this service I do not understand what's the problem. I should have been contacted by Moneygram if there was any problem. I asked them to closed my account and I want the money returned to my XXXX  XXXX  account.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Experian for Failure to Investigate Under FCRA Dear CFPB, I am writing to file a formal complaint against Experian, XXXX of the major credit reporting agencies, for their failure to conduct a proper investigation as required under the Fair Credit Reporting Act ( FCRA ). 

Incident Description : Experian failed to properly investigate items disputed as outlined in the FCRA. This is now the XXXX attempt to force Experian to abide by the FCRA. 

I sent XXXX separate letters to Experian not only citing factual deviations between the XXXX bureaus that outline a clear picture of inaccuracies, but I also pointed out the clear Metro-2 violations. Experian has sought to blatantly disregard not only the FCRA, but also their own internal Metro-2 standards. This shows a clear pattern of Experian not ensuring that consumers have a 100 % accurate credit report. 

Resolution Sought : Detailed investigation in accordance with FCRA guidelines. 
Correction of any inaccuracies found in my credit report or deletion of items. 
A written statement of the outcome of the investigation. 
I have also attached supporting documents, including copies of my initial dispute letter to Experian and any correspondence received from them. 

As a licensed and board-certified credit repair expert based in XXXX, XXXX, I understand the importance of accurate credit reporting and the significant impact errors can have on consumers ' financial lives. Therefore, we urge the CFPB to take prompt action in addressing this issue with Experian. 

Thank you for your attention to this matter. I look forward to your timely response and resolution. 

Sincerely, XXXX XXXX