davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Just received BofAs response of XX/XX/XXXX to my CFPB complaint which is filled with half truths. At the beginning if the pandemic in XX/XX/XXXX I was told I could defer my mortgage payments and they would be tacked on to the end of mortgage loan. Not true. I was supposed to pay in a lump sum which I did to avoid confusion and BofA twisting of the facts. 

There was an error on my billpay ON ONE MORTGAGE PAYMENT in XX/XX/XXXX which I took care of immediately. They claim I was in default for two weeks. LIES. It was a bank error ONE MONTH and it was immediately corrected.

Bank of America may be trying to appear woke but its a predatory agency. And they LIE. This correspondence is testimony. 

So what that XXXX XXXX  XXXX XXXX  reduced my loan balance back in XXXX. Despite my industry professional experience, I was a XXXX returning grad student in film XXXX to teach at the university setting and was making a portfolio film at that time with great sacrifice. I have awarded films six! Plus my prior awarded TV credits dating back years. Im a member of the XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX ( XXXX  ). 

All I wanted was a refi. Ive lived here for forty years and have a XXXX  score of XXXX. 

The bank discriminates and lies!!!
Consumer complaint received 2022-04-22
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: CITIZENS FINANCIAL GROUP, INC. (CA)

I do have a fraudulent hard inquiries on my XXXX Credit Report. There are total two fraudulent hard inquiries on my credit report. I have been contacted to the company and they never help me, they told me to contact the Credit Bureau.Please help me to remove those hard inquiries.
Consumer complaint received 2022-04-23
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: Experian Information Solutions Inc. (NY)

There is an account listed as in collections and past due by XXXX XXXX XXXX  for the amount of {$1100.00}. I have no knowledge of this account and requested by mail, that the company they remove this account and provide proof that the information is in fact accurate including all account details. They did not provide any of this information as requested, and closed dispute marking all information as accurate.
Consumer complaint received 2022-04-22
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: HSBC NORTH AMERICA HOLDINGS INC. (CO)

I am filing a formal report against HSBC Bank because HSBC Bank has performed a wrongful derogatory remark against my credit reporting file without ever giving me a billing statement. There is a long and quite intensive correspondence to go along with this. 

In the month of XX/XX/XXXX HSBC promised to remove this derogatory mark from my credit report. After having gone through our entire case in extensive detail they said that there was a submission to both XXXX and all the other credit reporting bureaus to remove this derogatory mark. HSBC stated that this would only take 30 days to occur. Now it is two months later, and the derogatory mark was never removed from my credit report. HSBC has agreed to remove this as they have also removed the late payment fees from my credit reporting balance. I am submitting this complaint to request that HSBC take the most speedy actions to remove this derogatory mark. As it has been over two months in request, I can no longer wait forever for no performance to push for this action to be taken in my favor.

If HSBC does not take action to remove this within the next 15 days or follow up with me within the next 15 days, I will be suing the company with a court summons. I was told and informed that yet again they will want to take up another 30 days to extend and prolong the process for an investigation. This is unacceptable and illegal. This lack of action that HSBC has not taken to perform on their promise has left me in both economic stagflation as well as stopped me from being approved for other economic benefits that would work for companies that I am in the ownership of. 

This is ridiculous and malignant. {$17.00} to keep an account open should never have cost me so much in economic grief. This one-act cost me XXXX points on my credit reports. There will be dramatic legal action taken if this is not fixed.
Consumer complaint received 2019-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MA)

I have been getting a call daily, always around XXXX XXXX., from a company called XXXX according to caller ID. I XXXX it and it is a collection agency called XXXX XXXX. It is usually from ( XXXX ) XXXX, although they have used a couple difference numbers. The first time it rang I answered and a woman said something about a person whose name I did not recognize, although it sounded somewhat similar ( but not the same ) as one of my children. The woman wanted to speak to that person. I told her that I did n't know the person they were trying to contact and hung up. I do not answer the phone for them anymore even though they call daily. They do not leave a voice mail message.
Consumer complaint received 2019-06-27
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AL)

My name is XXXX XXXX XXXX. I bought a MONEY ORDER amounting {$3700.00} and made deposit to a Wellsfargo bank account with below information for the purchase of a car : Account number : XXXX Routing number : XXXX Account Name : XXXX XXXX WELLS FARGO After deposit was made, the money was held in the account for 7 days. On the 5th day while money was still on hold, the account holder ( XXXX XXXX ) said he got a call from the bank and they told him to come with his ID so he could get the money from his account. I told him that was fine and the money have been deposited already and I have the receipt for the Money Order and also the receipt from Wellsfargo after the deposit was made. After some hours, he told me the bank wanted to call the police on him and he managed to escape. I asked why would a bank call the police on you over a cash deposit and how did you even manage to escape arrest in a bank. 

I begin to ask him a lot of questions and I told him I wanted my money back and he said go to the bank and get your money back. I went back to the bank where I made the deposit and the lady at the bank told me there's nothing wrong with the bank account of Mr. XXXX XXXX and she also told me the amount of {$3700.00} is available right there in his account and I wonder why he wouldn't take the money out nor return back my money. 

I called Wellsfargo customer service and I was told that to get the money back, I have to do a 3 way call. Myself and XXXX XXXX will be on the phone speaking with the bank and he can instruct the bank to give me back my money. XXXX XXXX then said he got a different number on his bank information at the bank and I can tell the bank to call him since he wouldn't let me have his real telephone number. I have been trying to call XXXX XXXX ever since and I realized that he stopped using the number I have since it a roamed number. I went in the bank to let the woman know I don't have his main number and she said nothing can be done. 

These are the telephone number to reach XXXX XXXX but he won't respond to calls nor text messages : XXXX XXXX XXXX and XXXX XXXX XXXX  I wonder why WELLS FARGO won't call XXXX XXXX to speak with him about my claim. Its been 4 weeks already since I made the deposit and he wouldn't withdraw the money nor Wellsfargo giving it back to me. What else am I suppose to do? Can anyone help? I really want my money back.
Consumer complaint received 2015-04-10
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (SC)

Care Credit was trying to process a chargeback for a patient for services already rendered and demanded we send them a detailed list of all services rendered for the patient. Our patient 's mother paid for her care plan with Care Credit and our understanding of HIPAA ( TPO ) is that only outstanding debts or current debts are covered in normal exempt transaction, chargebacks not being XXXX of them. Also, Care Credit does not have a direct relationship with our patient, but rather with our patient 's mother, who was present and approved the use of her Care Credit card and signed for the transaction. We tried to reach someone at Care Credit and called over XXXX numbers and left XXXX different messages for representatives. We refused to send the detailed list of services rendered and so the chargeback was issued. Despite numerous attempts to contact a representative that we could speak to about why we were refusing to send the information requested, their response was that nothing could be done, that we needed to send the patient to collections if we felt the chargeback was not warranted. Upon contacting the patient, she stated she never asked for a refund on services already rendered. She simply requested that a late fee be refunded. This patient was informed that unfortunately she would be sent to collections now and that CareCredit said she or rather her mother the cardholder could contact them to lodge a complaint. Our patients ' privacy is important to us. If we perceive an issue to be a possible violation, we inform ourselves as best as possible and always err on the side of caution rather than violate our patients ' trust. After extensive research we feel that what Care Credit asked us to do was a violation of HIPAA policy. We do not have a Business Associate Contract signed with them as the usual transactions performed are exempt. We also spoke to XXXX of their representatives ( XXXX at XXXX on XXXX at XXXX ) who, after speaking with her supervisors, informed us that they would never ask for a detailed list of services rendered because that would be a violation. She also faxed over their policy regarding HIPAA. Care Caredit not only processed a chargeback that was never requested by our patient, but they threatened and followed-through with refunding our patient for services rendered unless we sent information that would have caused us to violate HIPAA law since we did not have a release form from our patient authorizing us to disclose her treatment. Attempts to contact someone were unsucessful and our messages were not returned. If you need any further information, please contact me at XXXX or at XXXXXXXXXXXX. 

Thank you, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-04-23
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. (FL)

I sent Equifax a letter on XX/XX/2022 in regards to U.S. DEPT OF XXXX # XXXX This reporting In violation of 15 U.S. Code 1681i ( 5 ) and 15 U.S. Code 1681e ( b ) on account They have still not rectified this issue and come into compliance with federal law.
Consumer complaint received 2022-04-23
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. (CA)

Experian stated that the following account was verified XXXX XXXX XXXX ) was verified. The debt was charged off and sold to XXXX and XXXX XXXX services which went bankrupt/merged with XXXX XXXX XXXX which was liquified and closed, due to various FCRA lawsuits XXXX Experian was/is unable to verify the debt as it was sold and both companies are no longer in business. As per FCRA a debt must be able to be verified to be allowed to stay on a credit report. If it can not be verified it must be removed immediately.
Consumer complaint received 2022-04-23
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. (CA)

Equifax stated that the following account was verified XXXX XXXX XXXX ) was verified. The debt was charged off and sold to XXXX and XXXX XXXX services which went bankrupt/merged with XXXX XXXX XXXX which was liquified and closed, due to various FCRA lawsuits XXXX Equifax was/is unable to verify the debt as it was sold and both companies are no longer in business. As per FCRA a debt must be able to be verified to be allowed to stay on a credit report. If it can not be verified it must be removed immediately.
Consumer complaint received 2022-04-23
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. (CA)

TransUnion stated that the following account was verified XXXX XXXX XXXX ) was verified. The debt was charged off and sold to XXXX and XXXX XXXX services which went bankrupt/merged with XXXX XXXX XXXX which was liquified and closed, due to various FCRA lawsuits XXXX Transunion was/is unable to verify the debt as it was sold and both companies are no longer in business. As per FCRA a debt must be able to be verified to be allowed to stay on a credit report. If it can not be verified it must be removed immediately.
Consumer complaint received 2015-10-27
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (AR)

I closed a XXXX account in 2010. There was a balance and I had signed up for automatic payments to be drafted from my account. I received a notice that my credit profile had changed and when I investigated, I found that the card changed XXXX XXXX to Synchony Bank and that they had stopped the autodraft on my account. I contacted the Synchrony Bank to complain and they claimed they would credit me the late fee and remove the credit reporting from my account and send me new paperwork to restart the autodraft. I returned the autodraft form and received a second notice today that my XXXX score dropped because they payment was late. my new statement states they will autodraft the amount overdue ... why did n't they just autodraft the appropriate amount to start? I tried to call the Bank and speak to customer service but received a recorded message that they were having technical difficulties and was disconnected. My XXXX score has dropped XXXX points now and the interest rate on this card jumped to $ 27 %. I would like my credit score restored and the late fees refunded and my previous rate of 12 % restored
Consumer complaint received 2016-09-28
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (TX)

My name is XXXX XXXX and I 'm having trouble with Sychrony financial as far as my credit goes I have always made my payments on time maybe a couple days late but never exceed the 30 day limit however this bank has been destroying my good credit history by adding 30 day past due limits which I have never done as well as increasing my due balance which I was close to pay off and they increased my balance to more than double I reported them to the XXXX when this occurred they were obligated to putt my balance back to the usual immediately however this resulted in a decrease over more than XXXX points for some reason they have been damaging my credit drastically since I 've been with them I 'm seeking help to restore my points that have been taken away for no reasonable explanation
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below I have already disputed with each bureau on XX/XX/2022 and XX/XX/2022 and they have not deleted the items below. 

Sec. 602 State... I have a right to privacy. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Case Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-04-23
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: Experian Information Solutions Inc. (GA)

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 Account # : XXXX, has violated my rights. 
XXXX  XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # : XXXX, has violated my rights. 
XXXX XXXXXXXXXXXX XXXX Account # : XXXX, 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 a account without my written instructions
Consumer complaint received 2022-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, XXXX and XX/XX/XXXX I disputed " item not as described '', " defective or non working item '' to my Chase Visa Credit card ending in XXXX and my checking account that I have never overdrawn since opening. They didnt even give me an email address to provide my documents to. I had no way to forward my photos, videos, emails to XXXX XXXX XXXX  screenshots and other documentation to CHASE. A temporary credit was given, but after 15 days my checking and credit card were REBILLED by IN XXXX XXXX XXXXT XXXXXXXX XXXX XXXX XXXX, XXXX, TX XXXX. I have photo and video and my mom is also a witness due to the XXXX XXXX  making her vomit each time she visited me in that room. I also have photos of the broken XXXX unit leaking water on my property and the floor as well as the broken window, security latch and bottom door. I have photos of the XXXXXXXX XXXX contamination sharing the same wall as the leaking air conditioning unit. It is a XXXX XXXX infested with rodents and XXXXXXXX XXXX CONTAMINATION. I am trying to contact XXXX XXXX NEWS this weekend to bring attention to IN TOWN SUITES since there are thousands of other complaints worse than mine but identical complaints. I have complained to the TX ATTORNEY GENERAL XXXX XXXX AS WELL AS THE TEXAS XXXX XXXX XXXX AND THE XXXX XXXX XXXX DEPARTMENT. XXXX is interviewing my mother and I about it next week. We are XXXX and elderly and that's whXXXX XXXX XXXX XXXX  AND CHASE TAKE ADVANTAGE OF PEOPLE WITHOUT A VOICE.
Consumer complaint received 2023-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2016-02-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JMD,LLC (CA)

High Desert Creditors is reporting a collection for an account that has never been validated, has re-aged the account to do harm to me, AND is over the FCRA reporting time of 7 years. The account is a medical bill for my daughter that I dealt with the medical provider many years ago. It is from 2007. I contacted High Desert Creditors and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XXXX and that it was last active XXXX. That is false and misleading to anybody who may be considering lending me money. This single account violates several laws including but not limited to HIPPA, FCRA 15 U.S.C. 1681c, US Court of Appeals, XXXX XXXX, No. XXXX, XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter XXXX, and FDCPA Section 806.
Consumer complaint received 2023-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TN)

This account was associated with an old rental property I owned. I sold the property and the electrice service then transferred to the new owners of the property. At some point they apparently got behind and the delinquency was mistakenly attached to my account. I thought it was resolved until I recently had a thorough review of my credit and see that it was assigned as a delinquent account in XX/XX/20. The attached document serves as evidence that the power company accepted the responsibility for the error and assured me it would be removed from my credit. I am just now finding out that it wasn't and need to have it removed as soon as possible. ''
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

PLEASE SEE ATTACHED COMPLAINT : XXXX has failed to apply the corrections regarding a charge off ( XXXX  XXXX ) account appearing in error and a name appearing in error ( XXXX XXXX ) despite two attempts. XXXX has used threats and XXXX against my family while enriching themselves with the sale and enrichment of themselves without providing just compensation to me or my family.