davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

After finally receiving money from CA EDD, now bank of America EDD account won't allow us to transfer all of the money out to our account. They cap it at $ XXXXweek. We called and got transferred to 4 different people with different instructions and policies. The 4th manager said he remembers a form that we can fill out to transfer all the money out at once, but can not find the form. He recommended that we just send out {$5000.00} a week. We couldn't believe it so called back again with a different representative telling us that there's no such exception with the transfers unless we go to the physical location and they can do it. We spent 30 minutes in line at the bank just to be told that there's a cap of $ XXXXweek when we do it at the physical location. We got so frustrated and filed a complaint with " Consumer Financial Protection Bureau ''. The representative contacted us after a couple days, got the story and said she would email us. It's been 4 days and we called twice to follow up with no return phone calls and no email nor resolution. Our money is still stuck with Bank of America. This is madness that after the state screws up and delays, then it's the bank 's turn to hold our money hostage during this whole pandemic. We are forced to use Bank of America through EDD and it's not a choice. EDD automatically transfers the money and provide us with a debit card with this bank of America. Not sure why they don't just allow us to do direct deposit into our personal accounts. I am also concerned of keeping my money in the Bank of America EDD account for long as the news have been reporting a lot more theft associated with these accounts. I also don't want to be providing a 0 % loan to bank of America. Whenever we do something late there's always charges associated, but when the bank screws up the consumers also pay the price. This incompetence and callousness has to stop. I need resolution ASAP and not in a month due to the bank 's incompetence.
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have previously attempted to make contact with XXXX which shows on my credit report as a negative and delinquent account. This loan was paid off by XXXX XXXX after the vehicle was deemed totaled and unsalvageable. The remaining balance left was covered by the Gap insurance that was purchased for the vehicle. This account was paid off in full and shows a delinquent status on my credit report. The current status of the account is not correct and is unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable
Consumer complaint received 2020-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The aforementioned credit collection agency representing XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regard to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, Transunion and XXXX. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation, they need to retract this from my credit file immediately.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

I called Equifax XX/XX/22 to report inaccuracies on my credit report that needed to be removed immediately due to it causing extreme difficulties in my everyday life. I was told by a rep that the items that I reported as inaccurate would be removed within 4 business days according to federal law. It has now been over one month, and nothing has been removed. All the incorrect address, incorrect names, and incorrect employees. I was advised to file another dispute and the information would all be deleted in four days. I was also told that a dispute was not filed but request for deletion. I have made several attempts to remind them of their duty of 15 USC 1861 accuracy and fairness of credit reporting. It seems as though Equifax is intentionally neglecting remedying my affairs. Also, my life! 15 USC 1681 a ( d ) states as a consumer I am due, promised accuracy on my credit report based on Federal Law. 15 USC 16841 i ( A5 ) states that after reinvestigation all unverified information must be promptly removed and the records clearly show that it was never properly investigated so it can not be properly verified or validated. Due to the above reasons, I am asking that ALL NEGATIVE closed accounts, charged off accounts, collections accounts, incorrect addresses, employers, incorrect spelling of my name, to be removed from my credit report per federal law. All calls were recorded. However, I called in today and the rep hung in my face. so not only are these corporations violating my rights as a consumer they are blatantly lying in our faces and being deceptive.
Consumer complaint received 2022-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-12-24
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: SYNCHRONY FINANCIAL (MI)

On XX/XX/2020 I placed an order on XXXX  using the XXXX MasterCard ( synchrony bank ) and never got the order, the purchase amount was {$1700.00}. I filed a dispute and ended up getting my money back. I then placed another order from the same person on XXXX for the same amount on XX/XX/2020 thinking maybe the first one was just a fluke. But this item didnt come in either well after the expected delivery date so I filed another dispute. This dispute has been on going since then and has had no action taken against it by XXXX MasterCard, I have called maybe 50 times from the time of the dispute until now and still have not gotten an answer. Every time I call Im told its going to need to be re-evaluated and they carry the dispute out again for 90 days. Finally about a week ago I got an affidavit form, this is the first form I was ever told to fill out after almost 11 months of waiting. I filled the form out and sent it over and got a response today, the response was in 30-60 days we will review the document submitted in order to give you an answer. The problem is, that no one has taken any action, every manager Ive spoken to has taken the situation lightly and payed it no mind and just kept telling me to wait and now Im sick of waiting Ive given them a whole year and still havent gotten any response. If I give them 60 more days the dispute will be going on for 1 year and roughly 2 months. I have never in my life have ever had a dispute experience like this, and neither has anyone I even know. This is why Im choosing this route to escalate the issue.
Consumer complaint received 2023-03-03
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. (CA)

I called Experian and asked them to remove all negative information in connection with my consumer report because I never gave them permission to use my private account information. Moreover under rules and construction 15 usc 1681 ( a ) ( 2 ) ( i ) transaction information is forbidden in respect to consumer ( me ) and person reporting it ( Experian ).
Consumer complaint received 2020-12-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (PA)

XXXX XXXX XXXX - charge - medical bill I was asked to pay for imaging that could not be read by a radiologist - imaging was poorly done. It missed standard of care quality elements. In other words, it lacked information that is normally included in such imaging and reporting. Associated radiologist agreed and removed their own charges. 

There was no customer service department, and therefore, no resolution path within XXXX XXXX XXXX. With their billing department I tried to dispute bill but they would not discuss ; ordering doctor also tried to help resolve this issue because the imaging could not be read. I eventually contacted a XXXX XXXX XXXX Vice President for help ; he said he'd help but did not follow up. 

Non payment went to collections, and for several years I have been harassed by collections. I can provide a list of blocked telephone numbers from credit collectors. 

I ran my XXXX  report in the summer of 2020. The bill is now bringing down my credit. Note that I am in my XXXX and have had nearly perfect credit for all of my adult life. 

Due to the ongoing harassment, I finally offered to pay the bill ( in writing, with the debt collector if they'd remove it from credit reporting as an error. They did not respond within 30 days - It's been 6 months ). See letter, and USPS timestamped return/receipt.
Consumer complaint received 2022-12-25
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. (MI)

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 1692C ( The following collection accounts and inquiries were reported on my credit profile accounts under the following three credit bureaus ( Experian, XXXX, XXXX ) Experian Credit Bureau : 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-25
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: Synovus Bank (TX)

I have contacted each on elf these creditors as followed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have attached my letters and the FTC report that was forwarded to the creditor/ Debt collection company. Please block and remove the accounts as they are fraudulent
Consumer complaint received 2023-03-16
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. (TX)

It has been brought out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX 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 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Reliant Capital Solutions, LLC (TX)

XXXX XXXX and XXXX XXXX, on Behalf of Themselves and All Others Similarly Situated, Plaintiffs, v. GREAT LAKES EDUCATIONAL LOAN SERVICES , INC., EQUIFAX INFORMATION SERVICES , LLC, TRANS UNION, LLC, EXPERIAN INFORMATION SOLUTIONS , INC. and VANTAGESCORE SOLUTIONS, LLC, Defendants. Case No. CLASS ACTION COMPLAINT ( I ) Violations of the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( II ) Violations of the California Consumer Reporting Agencies Act, Cal. Civ. Code 1785.14 ( b ) ( III ) Violations of the California Consumer Reporting Agencies Act, Cal. Civ. Code 1785.25 ( a ) ( IV ) Violations of the California Unfair Competition Law, Cal. Bus. & Prof. Code ************* ( The US Department of Education is continuing to report my student loans as derogatory on my credit report. As a a result of Presidential decree my loans are in CARES Act ADMINISTRATIVE forbearance through XXXX/XXXX/2020. However, they are neing reported as open and past due on XXXX. This resulted in my being denied housing during the pandemic by XXXX  XXXX use of an XXXX  credit report. I ask that they immediately update this reporting. The Coronavirus Aid, Relief, and Economic Security Act or, CARES Act, was passed by Congress and signed by President Donald Trump on XX/XX/2020. I will be a member of the class action above.
Consumer complaint received 2023-03-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: First National Collection Bureau, Inc. (OR)

I win a bid on XXXX, i pay the item with a temporary credit card number ( from XXXX ) but i never receive the item and they never ship to me! so i decide cancel the transaction we went trough several calls etc. and they give me a resolution at that time ( summer of 2017  ) they says ( XXXX ) is all clear for me. but years later i start receiving collections letters offering to me pay in payments etc. i call it again, resulting again was all clear, now they put me in my credit report like I'm still owing that money for the item i never get! i call again to paypal, but they don't have any records that shows i owe that money. but still in my credit records, i really need to remove that mark as soon is posible, may affect my credit score, thanks in advance.
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2022-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an SBA loan to get my small business off the ground. Your company has hurt my ability to obtain credit.
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I found out in my credit report inquiries that I have never authorized. I do not recognize any of them. I know that sometimes companies without any authorization and permission pulling credit profile. Well, by this message I would like to let you know that I do not recognize these inquiries and I have never gave any permission to any company to do something like this. Well please delete all of them.
Consumer complaint received 2020-12-24
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. (OH)

I have several account on my credit report that I have never done business with these companies. I have filed a police report and a CFPB Complaint as well yet the negative fraudulent accounts still appear on my credit file. Please delete / remove the following accounts XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-06-07
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. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXXXXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 


The following personal information is incorrect Account Number : NAME : XXXX XXXX
Consumer complaint received 2020-12-24
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: JPMORGAN CHASE & CO. (IL)

I am writing to JPMCB CARD SERVICES agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off/collection and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting JPMCB CARD SERVICES agency to remove this charge-off/collection from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2020-12-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

On XX/XX/2020 I wrote to Specialized Loan Servicing ( Servicer ), the Bureau of Consumer Financial Protection, and the Federal Trade Commission, Equal Credit Opportunity to say that the escrow account reflects a fraudulent amount. The property 's insurer information is being withheld from true notation. Foremost Insurance is the insurance provider and Specialized Loan Servicing has been billing me every month since before XX/XX/2020 for Hazard and Fire Insurance in the amount of {$3100.00}. Cumulatively this amounts to a fee of {$1100.00} added to my monthly mortgage every month. This amount is more than 100 % of my standard monthly payment. When I requested an escrow analysis statement of said account I received on XX/XX/XXXX a letter from Specialized with the wrong property address. The entire document is thus invalid. I have since received nothing correcting the previous document. My recent call to the servicer was with a belligerent agent who would not access my previous records or analysis statements, nor was I allowed to request a call back with a supervisor before I was rudely rushed on the phone by being out on hold ; XXXX in XXXX, Arizona. Poor show.