davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-02
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 — Investigation took more than 30 days
Company: BARCLAYS BANK DELAWARE (LA)

Barclays Bank Delaware partial account number # XXXX is on my credit reports. This account isnt mine and they are violating several of my rites according to the FDCPA. They even gave another company my personal information that I didnt give them in the first place which is another violation of my rites according the FDCPA. They arent in compliance with any of the laws according to FRCA OR FDCPA. I asked for this to be verified and they still havent but yet still reporting it which is another violation.
Consumer complaint received 2021-08-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I contact bank of America about 5 times before i could have any access to the funds been deposited by the EDD department on a pre paid car or checking car they hold the fund for about 3 weeks with some type of unknown policies they also have a limit to withdrawal, a XXXX at the time and not more than {$3000.00} thousand in thin ( 7days ) in the branches they do not accept my California ESTATE DL SUCH A VALID IDENTIFICATION AND FINALLY THEY ARE NOT GIVING CREDIT FOR THE DEPOSIT MADE ON XX/XX/2021 AND XX/XX/2021 AT ALL AND ( CALL EDD BACK AND FOR FOR A LIST 2 WEEKS AND THEY STILL HIDING THIS DEPOSIT DO NOT SHOW ANY FUNDS AVAILABLE AT ALL ( THE EDD ALREADY DEPOSIST THIS FUNDS AND FOR SOME UNKNOWN REASON NO ONE IS AVALIABLE TO DISCUSS ANYTHING AT ALL on the phone they limit to respond call EDD we do not have access to your account and he have no deposit ( i call the EDD and they said we already make credit to your account check with the bank and still having the same response i need your help to ( i try to register my card on line and I am not allowed because my ss number is wrong I still wandering what can i do to recover my funds and have access with no hold and no limit at all. 

thank you
Consumer complaint received 2021-08-02
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. (NH)

I am filing a complaint against XXXX XXXX XXXX  including credit bureaus XXXX  and Experian. This account is not legitimate or has not been reported properly under FCRA. This needs immediate attention and all creditors and bureaus should be fined, and disciplined for their willful neglect to my financial situation. As a senior citizen, I am not pervy to all new forms of technology. However, I do know all credit validations are responded in USPS but I have received nothing.
Consumer complaint received 2024-03-25
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. (CT)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-25
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. ()

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 Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/XXXX, I received an email from Bank Of America ( BOA ) stating my account was ready to be uploaded and funded. I immediately contacted BOA 's Fraud Department to notify them that I had not opened an account with them. On that same day, BOA shut down the account and everything was okay. 

On XX/XX/XXXX, I received another email from Bank of America stating an account was established in my name and again I called BOA and was assured the account was shut down. The Fraud Center recommended I contact XXXX and let them know my identity was stolen and to shut down any access, to ensure BOA would not open any more accounts. I did as I was instructed to do and contacted XXXX. At the end of XX/XX/XXXX, I received a Bank of America checking account bank statement on account number XXXX XXXX XXXX stating it had a XXXX balance. As a retired XXXX XXXX, I chalked it up as the computer issued a statement in error and that should be the end of the situation. Well, today I received another statement, so I immediately contacted Bank of America at XXXX and I asked why was I receiving statements on an account that shouldn't exist. Long story short I was informed by two employees they had no idea or clue and could not even verify if a statement was truly issued. One questioned if I actually received an authentic BOA statement. 

My concern is that I was under the impression that this account was closed and or even deleted from their system and obviously if I am still receiving statements it still exists. My other concern is that Bank of America is not doing its due diligence and fiduciary duty to ensure accounts are not being opened by people with fraudulent intent. If they ran Credit Reports and not XXXX this may have given them a better look at a consumer 's information and possibly that would have brought up questions of the customer 's phone number listed and or previously listed addresses etc. This whole incident is very troubling and stressful to me. I am listing the previous account number set up under my name in XX/XX/XXXX ; the account number ending in XXXX
Consumer complaint received 2021-08-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

We bought a house in XXXX. We sold our old house in XXXX. In XX/XX/2021 we started to pay off our new mortgage in the money from the sale. Capital One would not allow an electronic money transfer so we had them write a cashier 's check for {$250000.00}. This was sent out on XX/XX/XXXX to XXXX XXXX ( who holds our mortgage ). XXXX XXXX signed for the check on XX/XX/XXXX, but then lost the check (! ). Capital One said they could not put a stop on the check until 90 days after. On XX/XX/XXXX, XXXX XXXX found the check and tried to deposit it into our mortgage account. In the meantime Capital One put a stop on the check without telling us and before the 90 day deadline they told us about. 

Now Capital One will not give us our money back. They have been holding our {$250000.00} since XX/XX/XXXX, even though they put a stop on the check. They cancelled our cashier 's check and have kept the money somewhere and have not given it back to us. Help!
Consumer complaint received 2023-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (KY)

I was notified online on XX/XX/XXXX that my XXXX loan payment count was XXXX and my loan balance was now zero. On XX/XX/XXXX that same information was on the Federal student aid website. On XX/XX/XXXX, I received a written confirmation that my loan had been forgiven. On XX/XX/XXXX, I added an online question/complaint to Federal Student Aid concerning the timing of my refund since I was 36 payments past paid in full. The Federal Student Aid website shows my loans were paid in full on XX/XX/XXXX. I continued making payments until XX/XX/XXXX, so I believe that I should have a refund of 30 payments of about {$480.00} each. Six of the payments were zero payments on forbearance. I asked that I receive some confirmation that I would receive a refund and when I could expect that refund to come. I have received no reply from Federal Student Aid and MOHELA says its all in the hands of the Dept of Ed/Treasury/Student Aid . ( who knows ). Its now over 60 days, and Ive still not heard anything. I just want someone to respond and confirm.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK (FL)

Sometime in XX/XX/2021, we contracted freedom debt relief. We placed XXXX in debt with them they have negotiated 9 accounts with anywhere between 36 and 48 months they have paid out to my creditors XXXX but have taken in fees over XXXX. In XXXX I was asked by an attorney that freedom debt relief chose for me to put XXXX in the account to settle a legal account. After speaking to my wife we borrowed the XXXX and placed it in the dedicated account on XX/XX/XXXX but the money did not clear the bank until XX/XX/XXXX. Freedom debt relief then proceeds to debit the account for XXXX and does not take care of the legal account. my case number is XXXX
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In Accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX Which was open on XX/XX/XXXX for the amount of {$950.00} XXXX XXXX which was open on XX/XX/XXXX for the amount of {$1300.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$900.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$980.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$2000.00} XXXX XXXX which was open on XX/XX/XXXX for the amount of {$19000.00} XXXX which was open on XX/XX/XXXX for the amount of {$5400.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$210.00} XXXX XXXX  which was open on XX/XX/XXXX for the amount of {$150.00} XXXX which was open on XX/XX/XXXX for the amount of {$140.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$1400.00} has 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 an account without my written instructions in fair resolution.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

We have a XXXX XXXX car lease which has been returned and paid off on XXXX XXXX. But all 3 credit report bureau including Experian keep showing the account is open and there is left over amount of {$120.00}. We called XXXX multiple times, every time they say the account has been closed and the info has been reported to credit bureau, but Experian keep saying the the account is still open and refuse to update the credit report. Even when we submit written notice from XXXX confirming the account has been closed and paid off.
Consumer complaint received 2021-08-02
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: EQUIFAX, INC. (NJ)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX  you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-12-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (FL)

Back In XXXX I had a XXXX  XXXX  financed through third party Monterey Financial. The amount was around {$3000.00} and I had my {$1000.00} down rolled into the payment. I had lost my job and couldn't pay and the account was supposedly charged off in XXXX. I had not really checked my credit till this year and the balance has got up to {$13000.00}!! I also noticed the put the account from charge off to collection and the account was placed twice on each one of my three credit bureaus. It was listed as collection under Monterey Financial Services then another collection was placed for the same amount but {$1.00} more than the balance under Monterey Collection Services. I have tried to dispute this amount because there is no way I would owe that and the account was charged off and placed twice to damage my credit. Seemed very vindictive. I have wrote to Monterey and have never received any correspondence back! You cant try to collect on the same debit twice and the balance is wrong.
Consumer complaint received 2021-08-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

I discovered on XXXX that Citi had placed a " roadblock '' webpage after entering my correct user ID and password into both their online banking platform and mobile banking app. This road block had to have been placed within the last four days. The road block webpage required that I enter a card number for card activation. I was confused as I only use a citi credit card, and that card was in my possession, active, working and doesn't expire until 2024. I am now anxious about fraud and even more worried about gaining access to my account information to make sure someone wasn't using my card or savings account, but there appeared to be no way around the roadblock. I tried different web browsers, the mobile app, made sure correct web address, looked at citi for messages about any problems with their website, etc. etc. No luck. I'm extremely anxious now that someone has gained total access to my account ( s ) and ordered new credit cards. 

After a long and painful phone call with citi customer service, I uncover that they have blocked my access to my account information until I activate an ATM card I received when I opened an online savings account with them approximately one year ago. I had no use for the ATM card and didn't want to activate it. Why activate a card I won't use? To me that would just be opening another avenue for a fraudster to gain access to my funds. 

However, Citi decided they were willing to hold my own account information hostage in order to force me to activate one of their products that I didn't want to activate. Does that sound like a proper practice ... ... ... ..the answer is no. But their hostage taking worked, as now I have an activated ATM card and access to my account information.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

This account is paid off and the rep stated that it'll be updated no later than the XX/XX/XXXX. I just checked my credit report and it shows that this account is still owing {$1000.00}. Please look at the attachments.
Consumer complaint received 2021-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NC)

I have reached out to XXXX  both via Mail and the CFPB in dispute and complaint before with full attachment and supporting documents from law enforcement and supporting my identification only to have the XXXX  send me a letter stating they have not received it, when I have full receipts from both of the aforementioned.I am once again submitting these items to your office in hopes that XXXX  will acknowledge my dispute/complaint of fraudulent accounts coming forth from identity theft.
Consumer complaint received 2021-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (MD)

On XX/XX/2020, I was approved for a car with XXXX XXXX XXXX of Virginia. I live in Maryland and had to catch the subway to XXXX where I joined XXXX to take me to the dealership. Upon my arrival, the documents were already laid out for me to sign. It was approaching closing time and I was urged to without even time to read what I was signing. The lady told me that it is past closing time and she had to go. I had to sign. I was able to see after signing that my monthly payment would be {$480.00}. The amount of credit was {$18000.00}. And the finance charge will be {$14.00}, XXXX. All this came to my knowledge after I finished signing. There was no turning back, it seemed. 
Two weeks later, the Covid Pandemic struck. I lost time at work but I still managed to be making payments. After paying close to {$9000.00}, the XXXX I financed, has gone nowhere. 
I called Credit Acceptance and they told me there is nothing they could do. 
I tried to refinance the car with XXXX XXXX, they would not. They said i owe more on the car than the car is worth. The car is used and is beginning to require serious maintenance.
Consumer complaint received 2024-03-25
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. (IL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (MD)

XXXX of XXXX I closed on a refinance loan with homebridge financial and XXXX title company. On XX/XX/XXXX I noticed a change in my Homebridge financial monthly mortgage payment amount. I contacted the mortgage company and I was told at that time the reason for the increase was due to an increase in property tax and homeowner insurance. I received a statement in the mail from XXXX county that shows my property taxes are XXXX. They were indicating a shortage of my escrow by over XXXX that would have to be paid over a 12 month period. I received no prior communication of the shortage. XX/XX/XXXX I contacted Homebridge financial and spoke with another representative XXXX that explained to me that the analysis was done incorrectly they overpaid my property taxes for the previous year. They paid XXXX county a total of XXXX for XXXX. I was told That a high priority ticket would be submitted and my account should be adjusted in a couple of days back to my original amount of XXXX. On XX/XX/XXXX I called again to homebridge to follow up with the ticket because my account was still Showing the shortage calculation. I spoke with another representative that is now telling me that My title company XXXX title Created the error when my escrow was created. They are claiming that my escrow wasnt enough to over taxes and insurance and they have been paying the taxes to keep the account current. Again no communication was given to me with this occurring until the change was paid for this mortgage payment XXXX. They are not addressing the fact that they didnt pay my property taxes on XXXX of XXXX and they sent two payments in XXXX Causing my escrow to be short.
Consumer complaint received 2021-08-02
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. (WA)

Equifax continues to show inaccurate late payments of XXXX personal loan. This is despite the company providing notification to fix the reporting. The company sent notification as of XX/XX/2021. I resent the company correspondence in XX/XX/2021. I have contacted Equifax on 4 occasions. They continue to state that correspondence is not showing in their files.
Consumer complaint received 2024-03-25
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. (TX)

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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 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 2020-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$230.00}, {$6100.00}, {$7200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$230.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account.