davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint against : Bank of America XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Victim : XXXX XXXX and XXXX XXXX email : XXXX XXXX XXXX ACCT NO. XXXX XXXX XXXX {$25000.00} XXXX XXXX ACCT NO. XXXX XXXX XXXX {$78000.00} ACCT NO. XXXX XXXX XXXX {$43000.00} TOTAL {$150000.00} On or about XX/XX/XXXX , Bank of America closed all 5 of my accounts, without giving cause or reason. as best I can conclude in XX/XX/XXXX I asked them to reopen a fraud complaint regarding {$10000.00} that they erroneously cashed for a person. I speculate that Bank of America 's fraud alert system triggered my account to be closed, as they did XXXX other customers who are in an EDD card class action lawsuit. 

The judge in that case has ordered a preliminary injunction dated XX/XX/XXXX that Bank of America was to return all funds and reopen all accounts closed due to fraud complaints within 45 days. Although I am not part of this lawsuit and the principal class I do fall under injunctive relief actions. The injunction states that the bank is also to give written notice and reason for their findings after they investigate, but to release the funds and not hold the funds hostage. 

Now, in XX/XX/XXXX Bank of America advised that they had completed their investigation regarding the account where the {$10000.00} was removed from and they sent me two checks totaling around {$3000.00}. However, as of today, three accounts only related because I am the principal remain closed with the funds in their possession. as of XX/XX/XXXX they advise that the funds in the amount of {$140000.00} are being held in some unit called their Hold Harmless unit. I have this week sent them a letter instructing them to return my almost {$140000.00} plus interest and I would hold them harmless from anyone who has no claims to this fund and who might make a claim, other than me. 

Now, when I attempt to call or go into a bank they read a note that they are not supposed to tell me anything or answer any questions and that I should mail anything and put it in writing. They have taken the position of not resolving the matter and maximizing damages. 

This has been 5 months and Bank of America has not given any reasons, except they said in XXXX that they could take 90 days to resolve the issue as per banking regulations. It has been over 150 days. Also, the judge gave them 45 days. They have caused my business to be shut down and all my employees to be laid off and they were the bank that our government chose to assist in unemployment EDD funds distribution. It is a joke and not just me, but over 350,000 people are suffering.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX - XXXX Opened XX/XX/XXXX Last Active XX/XX/XXXX This account is not mine. Transunion is the only credit bureau reporting it. I have no additional information regarding this account.
Consumer complaint received 2020-07-10
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX  XXXX   XXXX {$11000.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2020-12-29
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. (FL)

By this message I would like to ask you to recheck the information in my profile. I figured out the accounts that I do not recognize. I would like to clarify unknown accounts that appeared in my credit report. I think I am a victim of Identity theft so please check it and remove the accounts from my profile. Also please check my personal information as I believe somebody used my information. 

Thank you for understanding Looking forward for changes
Consumer complaint received 2023-03-17
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. (SC)

I have a XXXX  XXXX Bankruptcy that was filed in XX/XX/XXXX. I called Equifax because they are one of the only companies reporting this on my credit file. I called on XX/XX/XXXX and requested a deletion due to the fact that it is 9 years old and I'm trying to purchase a home. On XX/XX/XXXX I called equifax again because on my XXXX XXXX and My Fico Score app. I received a XXXX point decrease in score and message stating that a new Bankruptcy was added to my profile. I request that it be removed and my XXXX points returned.
Consumer complaint received 2021-10-21
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. (TN)

I recently ordered my consumer report from annualcreditreport.com. Upon arrival, I noticed that TransUnion has placed a total of 25 inquiries/accounts on my consumer report that violate FCRA federal laws. I sent in my identity theft report and demanded that all 25 inquiries/accounts be blocked and removed from my report because, I, the consumer and natural person, did not consent to, authorize, nor benefit from any of those inquiries/accounts. Every inquiry and account that I sent them are violations of the following sections of the FCRA. 15 USC 1681 ( a ) ( 4 ) ... 15 USC 1681 ( 2 ) ( a ) ( i ) ... 15 USC 1681 ( 2 ) ( b ). It's also another violation because I never gave TransUnion my written permission to furnish any of those 25 items on my consumer report. As a consumer, I am demanding that all 25 be removed. I sent the company certified mail, so I know when all of the information was received. I have proof of my entire consumer report. I have proof of certified mail with all documents that I sent to TransUnion. I have proof of when they received the documents.

1. The request to block was not made in error.

2. The request to block was not based on material misrepresentation.

3. I, the consumer/natural person, did not consent to, authorize, or benefit from any of those accounts/inquiries. If I received goods or services, I need them to have a senior executive certify under the penalty of perjury that I have in fact received goods or services as a result of any of those transactions.

Please be aware that I am very familiar with the FCRA laws that govern TransUnion and the rest of the consumer reporting agencies. I know that TransUnion is now civilly liable for all violations under the FCRA federal laws. Under the civil section the amount per violation is {$1000.00}. I am demanding compensation for those violations.
Consumer complaint received 2024-02-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (OK)

Credence Resource Management , LLC told me I have a bill with XXXX XXXX XXXX for {$51.00} from XX/XX/2024. This resulted in a collection being placed on my credit whichresultedin a XXXX pointdecline. I have never used XXXX XXXX XXXX. 

I contacted the company they refused to verbally validate the information. There are XXXX of people complaining about being scammed to the XXXX XXXX XXXX yet no one has shut them down.
Consumer complaint received 2021-10-21
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: EQUIFAX, INC. (IL)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop n I made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have seven negative inquiries credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify and remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2020-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

On XX/XX/2020 you responded to : 1 ) my inquiry dated XX/XX/2020 stating i asked one question 2 ) my inquiry dated XX/XX/2020 stating i asked XXXX questions 3 ) my inquiry dated XX/XX/2020 stating i asked two questions 4 ) 3 ) my inquiry dated XX/XX/2020 stating i asked two questions Did you receive these inquiries through CFPB? i have no record of these inquiries please send copies of my inquiries, and copies of the 5 day letter you send me upon receipt of these inquiries according to 1024.36 ( c )
Consumer complaint received 2021-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

I went to visit the XXXX apartments about 3 times. The 2nd time I went to the XXXX I was told I needed to fill out an application and I did. And she assured me they would not run my credit until I was ready to move forward. After I viewed the apartment she called me and said that I owed them {$35.00}. I didn't understand why she said that cause I was not ready to move yet. It was probably a month latter when I went back for the 3rd time. My girl friend went and spoke with the same property agent looked at 2 different places at the property and called to tell me to go look before making my final decision. I called and spoke to the same property agent who told me she would show me the property as long as I paid the {$35.00}. I went and I spoke to the agent gave her the {$35.00} money order. and then she said I still owed {$75.00}. I needed to pay that before viewing the apartment I told her I was not paying that because I was not ready to move there. Then she told me that if I didn't pay it they would send me to collections. I told her I haven't said I was ready to move in or even submitted a full application neither have I given you the go ahead to run my credit. They have not ran my credit but they sent me to collections with all 3 burrows which has affected my credit score. I found out cause I had to buy a car last week and the rate was hire because of the collection
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: REGIONS FINANCIAL CORPORATION (IL)

Regions Bank at XXXX XXXX XXXX, South Carolina, XXXX told me to travel to Regions Bank at XXXX XXXX XXXX  XXXX XXXX, XXXX GA XXXX and close out my account that they had a hold on because they refused to recognize my home address back in XXXX. This was the same address used and verified to open the account. The bank was gon na refuse to give me my money unless I traveled from XXXX to XXXX to pick up the money in the account.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

I am disputing a nissan motor acceptance corp account on my credit report that is listed as closed and should show paid in full .I did not file a bankruptcy so this account should read as paid in full on my credit report I am asking that nissan remove this account from my report or report it as paid in full as the account was paid in full I have disputed and call to get this resolved for months now and nothing is being done The account was paid off.
Consumer complaint received 2021-12-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAC Financial Corp (NM)

They allege I owe a debt on an account I never had... Anyone in XXXX or XXXX  NM can walk into XXXX XXXX XXXX and use anyones name.. They do not require ID. Where is some proof that i 1 used these services, and two owe this debt.. I have full coverage medical insurance with 0 copay.. If it was me walking into this hospital, my insurance would have covered the entire balance in full. If they continue to make this claim I will take legal action against them as this is fraudulent.
Consumer complaint received 2021-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have contacted Capital One Collection Department several times and received no resolution on XX/XX/XXXX I spoke with Representative XXXX whom stated a supervisor would be in contact to have debt removed from credit report due to me not being the owner of the account as listed. With me not receiving the call back I contacted the collection department again on XX/XX/XXXX speaking with yet another rep whom stated the account was never notated for you to receive a call back, frustrated I demanded to speak with yet another supervisor and was informed that this matter would be resolved and I would show the account removed in the coming months as of today XX/XX/XXXX I still show an account as debt on all 3 credit bureaus when I was told it would be removed and I wouldnt be penalized for such.
Consumer complaint received 2020-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERIS BANCORP (GA)

XX/XX/20 I spoke with XXXX at Ameris Bank Call Center and explained I had mobile deposited the check into my XXXX  account on XX/XX/20 and XXXX did a account adjustment and debited {$500.00} from my account on XX/XX/20 because the check was also cashed at XXXX. I provided her the check number to see if she could provide more info. She advised she will email the department that handles that and reach out to be in a few days. 
XX/XX/20 I called XXXX back and she advised me the check was mobile deposited into a XXXX account on XXXX and no investigation would be open. I was advised to call XXXX XXXX by another Ameris team member to advise them of the situation. I did and spoke to XXXX and she reached out to her accounting team. 
XX/XX/20 I called XXXX XXXX  and was advised they show the check was cashed on XX/XX/20. I called XXXX at Ameris and advised what XXXX XXXX  told me. She stated she will send another email and note what XXXX XXXX  advised and to reach out in a few days. 
XX/XX/20 I called XXXX and she advised they will not be opening a investigation. She advised I call the Ameris Branch at XXXX in XXXX, GA. 
XX/XX/20 I called the branch and spoke with XXXX who advised me to call XXXX XXXX  back to get them to open up the investigation with XXXX since it was their check and account that was debited twice and they need to recoup from XXXX and issue me a new check. I called XXXX XXXX  and XXXX reached out to their accounting team again and she would follow up with me. She called me back and advised her accounting department stated that Ameris should open up the investigation since they cashed the check twice. That error falls on them and this should be handled by Ameris and XXXX to get the funds back to me since I did not deposit the check twice. I called Ameris back and spoke with XXXX again and explained what XXXX XXXX  advised. He stated there was nothing the bank could do and no investigation will be opened.
Consumer complaint received 2021-10-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PENTAGON FEDERAL CREDIT UNION (IA)

I contacted the bank that my loan was through and told them I was having financial issues. They offered me two skip payments. They did not hold up their end of the bargain and repossessed my vehicle and refuse to help find out what happened to my skip payments.
Consumer complaint received 2021-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GATEWAY FIRST BANK (SD)

Back in XX/XX/2021, I was late paying my mortgage payment. I tried via phone and through the website to pay. The phone system said the payment had gone through though it had not. Trying to pay online was also extremely difficult and convoluted. After I had finally made the payment, it was late and reported to the credit bureau as delinquent even though I had attempted repeatedly to make the payment. I reached out to the company twice to ask them to remove the reporting. Not only did they not remove it, they did not even listen to my complaintjust sent an automated response. I would like them to remove the reporting and improve their methods of accepting payments.
Consumer complaint received 2023-07-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense XXXX XXXX XXXX  I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2024-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Consumer NOTIFICATION of unproven and or Faulty Transfer and Payment Record information, untrue information, incorrect facts, incomplete data, not certified amenably recorded details or else wise not adequate of mandated validity and of applicable and mandatory reporting standards, to include but not limited to those requisites by the FCBA, FCRA, FDCPA, FACTA, HIPAA PR, TILA, and or XXXX ( XXXX XXXX Compliance format ) reporting regulations.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: REGIONS FINANCIAL CORPORATION (LA)

In accordance with the fair credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (AZ)

Hi there, I'd like to dispute the recent transactions under my personal and business account on XXXX XXXX 2021 who I have never known without my authorization for {$500.00}, {$400.00}, and {$100.00}, a total of {$1000.00}. I suspect that my account has been stolen and unauthorized XXXX transaction records. At the same time. Please assist me to apply for insurance ( FDIC ) to cover for me to take all my money back. Without that money, I can't pay off my wife 's delivery outstanding payment. This is a huge impact on my family, affecting our lives and work. During the years I have served in the XXXX XXXX XXXX, I've stuck to my duty to defend the country. Our family really needs this money to make life. While I'm working hard to serve the country, I really hope that CFPB can help me to get back the money. Thank you so much.
Consumer complaint received 2022-06-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical & Professional Collection Services, Inc. NC. (KY)

I was taken to court by XXXX XXXX for non payment of rent and eviction. And the amount that is said I havent paid is a lie. Its nowhere close to it. I didnt pay one month of rent. I even showed the judge proof that I paid the rent I was lied on. So this is false information reported on me & ruining my credit report. This landlord has had so many complaints on her about the same issue and other things. This happened in XXXX. I have a debt collection of XXXX