davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX I went to my local Bank of America branch to deposit a {$48000.00} US government check. I have been a BofA client for over XXXX years and have several accounts. The teller told me funds would be available the next day. Later I received an email from BofA saying funds would be held till XX/XX/XXXX! I called their company twice to tell them this length of hold on a USG check is unacceptable. They suggested I go back into branch. I went back in on Friday, XX/XX/XXXX and manager chatted online with BofA clearance office who said check was being held for confidential reasons (? ). Manager said she would elevate and call me back Friday afternoon. She never called. Them holding my check is costing me money.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2023-03-01
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. (MD)

I have kindly informed Equifax and the XXXX XXXX XXXX XXXX  XXXX XXXX XXXX that I have a {$2300.00} balance with XXXX XXXX  that has been illegally reporting late and past due payments to my credit reports and that it has seriously been affecting my ability to get funding, move in an apartment or purchase a home. They illegally reported transactions during the years XXXX, XXXX, and XXXX. 

I sent them a letter requesting on the date of XX/XX/XXXX of XXXX, that they cease all attempts to report late and past due payments to Equifax Consumer Report. I also fully interpreted the improper use of my credit report to each party in my official request. The late and past due payment XXXX XXXX  has been reporting is a violation of the rules of construction under Title 15 USC Section 1681a. and I fully interpreted the violation to them in the letter. Despite the clarity of the situation both parties ignored my request and did not remove the late and past due payments that were illegally being reported to my consumer report for the account. 

The primary purposes of this report are to have XXXX XXXX  and Equifax to cease all attempts to illegally report late or past due transactions or experiences to my personal consumer report in future, notify the perpetrators that they are in violation of Title 15 U.S. CODE 1681a, and to have all late or past due payments in violation of Title 15 U.S. CODE 1681a. on my credit/consumer report for the following account be immediately removed from my credit/consumer report. 

I will be attaching information about the account to this report as well as specifying the illegally reported transactions that are to be removed from my consumer report.
Consumer complaint received 2023-02-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc. (VA)

No response as of XXXX XX/XX/2023 regarding my request on XXXX XX/XX/2023 to withdrawal my cash funds to my linked bank account ( XXXX ). It has been over 30 days since I requested a withdrawal to my linked account. I have email numerous times regarding ticket # XXXX. 

Transaction # XXXX Blockchain continues to hold my withdrawal request to my linked account ( XXXX ), Please assist XXXX XXXX XXXX
Consumer complaint received 2023-03-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Lendmark Financial Services (PA)

I spoke with XXXX, branch XXXX, and told me that in addition to pass due balance fees, that I would be held accountable for repo fees. Upon completion of payment for the loan, and additional fee of {$410.00} was added to the repossession after the agreement was paid ; forcing me back into default. I never received a letter stating impound or repo date or letter stating any fees regarding a key purchase, of {$410.00}. This is unfair practices under federal law. Please investigate these deceptive practices. 
12 CFR X ( b )., c.
Consumer complaint received 2023-03-14
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: Aldous & Associates, PLLC (TX)

I am a victim of identity theft : 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 2019-12-20
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. (TX)

HELLO, MY NAME IS XXXX XXXX XXXX  AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY SOCIAL SECURITY AND ID TO OPEN THE FOLLOWING ACCOUNT IN MY NAME:XXXX XXXX XXXX XXXX (XXXX XXXX) Account number XXXX the amount is $XXXX Opened XX/XX/XXXX 2014.  I SENT THEM A COPY OF THE POLICE REPORT IN WHICH I HAVE ENCLOSED, ALSO FTC IDENTITY THEFT REPORT (  Thank you for reporting identity theft to the FTC.Your reference number is:XXXXIALSO SENT THEM AN NOTARIZED IDENTITY THEFT AFFIDAVIT.EQUIFAX STARTED MY INVESTIGATION ALL OVER AGAIN, EVEN THOUGH THE 30 DAY TIME LIMIT WAS EXPIRED. SO THEY ARE MAKING ME WAIT ANOTHER 30 DAYS.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

In XX/XX/2022 I had written all 3 credit reporting bureaus because I had found some improper inaccuracies on my credit report and if they could please conduct a full review of my file. As of XX/XX/2022 and the completion of their reviews, pulling my credit report myself the inaccuracies are still present. XXXX # XXXX inaccuracies still present, ( dates inconsistent ). XXXX XXXX  # XXXX inaccuracies still present, ( dates inconsistent ). XXXX XXXX XXXX XXXX  XXXX Inaccuracies found, ( condition of account inaccurate ). XXXX XXXX XXXXXXXX inaccuracies still present, ( reported dates, date opened unavailable XXXX XXXX XXXX XXXXXXXX inaccuracies still present, ( dates wrong ). XXXX XXXX # XXXX inaccuracies still present, ( dates inconsistent ). XXXXXXXX XXXX XXXX XXXX # XXXX inaccuracies still present, ( pay status ) XXXX XXXX XXXX XXXX inaccuracies still present, ( pay status, condition inaccurate ) The fair credit reporting act states, If after any investigation under paragraph 1 of any information disputed by a consumer and item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency should, ( 1 ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the investigation.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I contacted experian credit bureau three times after I found so many addresses don't belong to me and incorrect names among my correct name and correct address and I asked them to remove the incorrect one 's it has been 9 days and they did not correct it yet
Consumer complaint received 2019-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: International Computer Systems, Inc. (CO)

XX/XX/XXXX Debt collector is wanting me to pay for XXXX for unknown service for my previously brankrupted company ( XX/XX/XXXX discharged )
Consumer complaint received 2023-03-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (MD)

I made a purchase on the Amazon website on XX/XX/2023. Amazon advertise on their website you can use XXXX to to pay for your transactions. I selected XXXX to pay for my amazon transaction. XXXX aporoved me for the {$150.00} loan which I had to put down down-payment to XXXX  for {$28.00}. 

I decided to cancel my Amazon transaction 5 minutes after my purchase on XX/XX/XXXX which XXXX did received a notice from Amazon saying my entire transaction was canceled and voided from the Amazon system. 

XXXX decided NOT to release my {$28.00} hold from my venmo master debit card which I used to pay XXXX on XX/XX/XXXX. 

XXXX had contridicted there story by telling me on XX/XX/XXXX and XXXX that they didn't receive the cancellation notice from Amazon yet. But several other XXXX customer service and a supervisor did confirmed the Amazon cancellation notice was pending in both systems. The XXXX customer service representative did confirm though the canceled notice was reflecting in the XXXX system on XX/XX/XXXX. 

I contacted Amazon executive relations and a Amazon customer service department did confirm on XX/XX/XXXX that XXXX did received the cancellation notice! 

I called XXXX a total of 3 times, Twice on XX/XX/XXXX and once on XX/XX/XXXX.
Consumer complaint received 2023-03-05
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc. (WI)

US DEPT OF EDUCATION is stating that i have opened an account with them on XX/XX/2020. I have not attended school or have taken any kind of loan with them. The debt that they are alleging is past due is {$6700.00}. This needs to be investigated and removed as its hurting my credit history and report. 


US DEPT OF EDUCATION is also stating that i have opened an account with them on XX/XX/2020. I have not attended school or have taken any kind of loan with them. The debt that they are alleging is past due is {$3800.00}. This needs to be investigated and removed as its hurting my credit history and report.
Consumer complaint received 2023-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

In reference to previously submitted complaint XXXX Mr. Cooper indicated that the fee they are charging me is a recast fee that was provided by XXXX XXXX  XXXX However, I have a statement from XXXX XXXX  fromXXXX which shows that that fee was previously paid and therefore Mr. Cooper should not be charging me for a fee which I had already paid ( four years ago! ). Please reopen the previous complaint as not resolved or re-addess this issue in this one indicated that I I owed no balance to XXXX XXXX  and thus owe no recast fee to Mr. Cooper. Update my account with Mr. Cooper appropriately.
Consumer complaint received 2019-12-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I got a payday loan from cash net USA and they been debiting money out of my bank left and right after I just paid them the full money back to them that I owed which they said I still owe them money which I have my bank statements to prove Ive paid them back. they did not want to transfer me to a supervisor they did not want to do anything about the situation and on top of that my bank closed my account from being negative for several months because of the loaning agency And Im on XXXX because of them. They were very rude not helpful at all.
Consumer complaint received 2023-10-26
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: Experian Information Solutions Inc. (AL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXXXXXX Balance Owed : {$220.00} ; XXXX XXXXXXXX Balance Owed XXXX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX  XXXX Balance XXXX : {$740.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$860.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$290.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2023-03-01
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

XX/XX/XXXX second mortgage started with XXXX XXXX XXXX XXXX subsidiary of XXXX XXXXXXXX XXXX XXXX XXXX for the amount of {$34000.00}. XX/XX/XXXX I filed a Chapter 13 Bankruptcy, It was XXXX XX/XX/XXXX. I have tried to reach above mentioned and they are out of business, My house has been sold and is closing XX/XX/XXXX. I have reached out to Bank of America as information found is they have the loan. I have not received any notifications of Second mortgage payment throughout this time, nor any notifications of the mortgage being sold and so fourth. I am seeking payout and company that needs to be paid. Bank of America has been negligent in updating Title, prviding information for payment or payout.
Consumer complaint received 2024-02-21
Product: Credit reporting 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)

XXXX, XXXX and Experian needs to update/correct my consumer file with Correct name : XXXX XXXX XXXX XXXX XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX Correct DOB : XX/XX/XXXX Correct employer XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Correct Accounts : XXXX XXXX XXXX Dated opened XX/XX/XXXX XXXX - as paid off XXXX XXXX Date opened : XX/XX/XXXX - $ XXXX paid off XXXX Dated opened : XX/XX/XXXX XXXX $ XXXX as paid off XXXX Dated opened : XXXX XXXX - $ XXXX as paid off The fact that these credit agencies assumed the role of reporting different information is why I keep getting denied for credit. I want to finally purchase a home and need my info to be accurate on my consumer report at each credit agency. 

They have reporting inaccurate information since they assumed the role in XXXX I need my consumer report to be accurate now.
Consumer complaint received 2019-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

Equifax; XXXX and XXXX are reporting incorrectly that I am (60) days late on the XXXX  – partial account number ****XXXX.  (Please see page attached from my credit report.)    When this loan was sold from XXXX XXXX, I was not notified in a timely manner and I would have to physically track down the new holder of the note and make sure the payments were being applied correctly to the new loan.  The law requires that “you be notified within (15) days of the sale of the mortgage and that you should receive two letters, one from your old lender and one from your new lender. These letters should provide you with all the information you will need to communicate with the new lender, including where and how to make your payments.”  Pursuant to the Real Estate Settlement and Procedures Act or (RESPA) – “If you have sent your payment to your old lender by mistake, RESPA protects you against penalties for a limited amount of time after the mortgage transfer.  After your mortgage is sold, there is a 60-day grace period during which the new lender cannot charge a late fee on payment, if you mistakenly sent that payment to the old lender. This two-month grace period “protects the borrower.  If you are late due to sending the payment to your old lender, the new lender may not report it to any credit agency. Your loan cannot be deemed delinquent during this grace period, either.”  The lates that are reporting are false.  I was never notified in a timely manner of the new lien holder and this account most certainly falls within the 60-day grace period wherein the lender cannot charge a late fee on payment.  I respectfully request that these late payments be removed.  This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report.  I have contacted the (3) bureaus to remove these however, I have not been successful.
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

We're purchasing a mortgage and there is a large amount of money transfering into another account and some money from both of my husband and mine accounts. When we're in escrow I did transfered for my husband XXXX. After that I tried to log in to my account and they keep popping up error code MFA few times. I called the customer service, on phone with them and they keep transfering. The second time they hung up on me. The first time the representative did helped me resolve. I tried again to log in and transfer money for my husband and again, error code MFA like XXXX is MFA.?? Now both of our accounts is locked and had no access. We're ON ESCROW RIGHT NOW AND we have to pay for the closing cost, the house that we rent. All of our money which is more than {$150000.00}. $ XXXX is blocked and can not access. Ridiculous. While i'm writing this complaint I'm also on the phone and they keep put me on the line waiting. I'm like what are you guys waiting for what? They verified my phone number, verified my account number, whatever they can verify they already did. Citibank please do better. We might go into bankruptcy because of this. thanks again Citibank
Consumer complaint received 2024-02-21
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: Experian Information Solutions Inc. (FL)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-01
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: Lendmark Financial Services (MD)

I have requested the valid proof of contract as well as other information listed below. The Proof of contract must be original and certified copy of an authenticated original contract with my signature, specifically Lendmark Financial as the company entitled to enforce this reporting to my credit. 
Company : Lemdmark Financial Account Number : XXXX Lendmark Financial Services # XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Opened : XXXX Date of Last Payment : N/A Date Closed : N/A Date Reported : XXXX. 
I have requested a certified copy that ensures that the contract and all information sent is accurate and has been done through the presence of a certified notary company who authenticates and is duly operating under the laws that swears the copy made is in fact a copy of the original paper contract with the company in question. 
I have also requested the following below : 1. Provide a Certified copy of authorization signed by me, naming your company as having my consent to report to my credit file. 
2. Provide a certified copy of all information related to the Original Creditor and 3rd party creditors who were given permissions to report on my credit report. 
3. Provide all accounting information, from the date the account was opened, all payment history, amount and details, source of payments as well as dates, every charge, every purchase, every refund, every negative credit, all amount associated with this account, I am requesting this matter be resolved immediately for which this is the 3rd attempt for your company to provide all requested information. Your company has yet to provide any validating information that was requested. This account needs to be Deleted and removed from my credit report. 
According to the law : 15 U.S.C Section 1681i ( a ), if you can not provide the requested proof, this account must be deleted and removed from all sources that holds this information immediately. I am also asking that all results along with validated information be notarized and sent by mail with an updated copy of my report and all changes including deletion or updates. In accordance with the following, I am exercising my rights ( Fair Credit Reporting Act ) ( 15 U.S.C 1681 Section 602A ) ( 15 U.S.C 1681 Section 604 Section 2 ) as well as others. In result of deletion, please assure it is deleted from all 3 agencies this account has been reported which are as follow : XXXX, XXXX, XXXX. All 3 must show accuracy from verified and validated the reported update accounts or deletion of account.