davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX,, XXXX, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-01-03
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (MI)

I am a consumer, natural person, and the original creditor. American Express received EFTs from my fund fraudulenty without my written consent and also failed to send me the proper disclosures for the transfers that total in the amount of XXXX. They attempted to collect debts from me and the grossly and negligently continue to violate my federal rights. I requested verification/ validation on those transfers, debits, and creditor information which they continuously deny me the right to. I spoke with a XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX. All of those people I just name violated my rights and refused to send me the requested verification to my email. I requested the last XXXX of the written history on my account be sent to my email in which the refused. I am demanding repayment, return credits, and remittances pursuit to but not limited to Regulation E, B, and Z. I am demanding immediate resolution as there have been multiple disputes opened up with American Express in regards to my credit cards without resolve. I have been on the phone with them since XXXX today and I have been hung up on, refused, violated, deceived, lied to, and stolen from and I demand a remedy NOW!!
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX XXXX XXXX sent an ACH ( XXXX ) to Bank of America to return dollars from a bank- to-bank transfer we processed on-line in early XXXX. BoA refuses to acknowledge these funds to me or post these funds back into our account after weeks of calls and visiting the branch. 

The original transaction was sent from my personal account to XXXX XXXX in error. We asked BoA to reverse this. They replied in writing that they could not. We contacted XXXX, explained the situation to them and they initiated an ACH to our account. XXXX has provided proof they sent the ACH, claim they have confirmed multiple times with BoA that the money has been received. 

In addition to contacting various BoA departments ( Customer Service, On-Line Banking, Wire department, local branch and corporate offices ) no one has resolved this issue or taken any responsibility for resolving the issue. We can not get a call back, each time we must call and are transferred multiple times until we end up back where we started.
Consumer complaint received 2021-03-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: BANK OF THE WEST (MA)

On XX/XX/XXXX, we closed on a loan of {$75000.00} for a XXXX RV with Bank of the West through their loan department, Essex Credit, a division of XXXX XXXXXXXX. Our loan officer, XXXX XXXX, told us that the loan was being handled by them as well as getting the plates and the registration. Now, over two weeks later, we still do not have the license plates or registration so we can not use the vehicle that we paid for. We have been emailing and getting no answers. We have been calling and getting no return calls. We have been asking how to get the plates and registration, who do we call. Finally, we waited on hold for over 2 1/2 hours to get a person on the phone with Bank of the West, which we finally did today. Only to be told that some of the paperwork is now taking up to 4 months. This was never told to us upfront or we would not have done the loan with Bank of the West. We asked for a supervisor and we were told she was not able to transfer us. We asked for it to be escalated and we were told it could not be because it was not yet considered overdue. We asked for a contact name and number and we were told that could not be given to us. We asked for an email address and we were told that too could not be given to us. We asked to have some way of knowing when this would be done and we were told there was none and nothing we could do.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (PA)

My husband and I have XXXX separate checking accounts with Wells Fargo. We have elected to receive monthly paper statements. This selection was made upon initially creating the accounts decades ago. XXXX on-line system is deceptive and shows " on-line and mail '' selected for STATEMENTS. For notices, a customer can select " Mail. '' We are not receiving our statements. This is a continuous on and off problem for years. 

We have contacted our local branch representatives and the call center, and it continuously gets corrected and then they stop getting sent to us via USPS. 

XXXX wants to save money by not sending our statements via USPS and then forcing us to go online and retrieve our statements.
Consumer complaint received 2022-04-18
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. (CA)

CFBP Explanation to input in : ( can re-word it ) but must have all in the body 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 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States that I have to the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) : also states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (NC)

In XXXX, My boyfriend, XXXX XXXX XXXXnd I contacted SunTrust Truist Bank about our Home Morgage Loan that was in default, we had both been out of work for well over 2 years due to the pandemic and couldn't pay our mortgage, however when I contacted the bank, they instructed me to go on their website and download their paper work for their home Preservation documents, however when I done that, they denied us any help, they informed me that they couldn't help us because they didn't have time to review our documents, but we had started sending them our paper work the first week of XXXX but they kept stringing me along telling me that they had lost the paper work or that I needed to add another form until finally they sent us a letter saying that they couldn't help us. 
I even contacted the XXXX XXXX and ask them for help and they denied me any help as well. I just don't understand where the funds are going to that our government sent to these Programs to help people who are struggling, yet the ones of us who are really struggling can't get any help. 
Long story short, we are going to be out of our home, with no where to go and no one to help us, when I have seen people with my own eyes that have received {$11000.00} from these programs and they don't even pay rent. And then the ones of us who need their help, they turn their heads the opposite way, is it something personal, is their something I missed? Perhaps I should have lied to them like the other people and maybe they would have helped me. 
I feel like the bank forclosed on XXXX illegally while we were trying to get help and being reviewed for eligibility, they violated their due diligence and the Duel Tracking Laws. 
Please help us
Consumer complaint received 2022-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I have mortgage with Wells Fargo Mortgage Company ( XXXX # XXXX ). I had opted forbearance due to COVID-19 XX/XX/XXXX- XX/XX/XXXX. I was approved for a payment deferral which let me pay the outstanding amount at the end of my loan term. XX/XX/XXXX, I called the Well Fargo Mortgage company to remove the PMI as my home value has gone up and PMI got removed. On XX/XX/XXXX when I requested to separate Escrow account the Customer representative initially said it can be removed and they will send a letter confirming that. 
But when I called them today, 2 different representatives are giving me 2 different stories saying 1. the Escrow can not be removed till I close my Mortgage or the term is completed. 2. They are considering the forbearance as a late/missed payment so I have to request after XXXX XXXX and XXXX. 

When I requested they send me this letter which was dated on XX/XX/XXXX : Short-term payment suspension impacts Escrow account : If you have one for this loan, you may experience a shortage if you miss payments. When this happens, well continue to pay your tax and insurance bills. ( If you dont have an escrow account, remember to pay your tax and insurance bills directly. ) If you miss payments, you may not be able to remove the escrow account. 

I was not informed that the forbearance was considered as a miss payment, infact I was told that forbearance WON'T be considered as a Miss/Late payment!
Consumer complaint received 2021-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

This credit card balance started in XX/XX/XXXX when I went to a XXXX  service. I was in pain when they offered a care credit plan to pay for the future services that I was about to receive. Under that circumstances, I agreed to it. The XXXX  was not able to find the reason for my continued XXXX pain so I decided to stop going there. On the other hand, I sent my 1st payment of {$50.00} to care credit to honor what I signed for. Then I asked the XXXX XXXX place to canceled all planned services and they agreed. Also, Care Credit refunded my first {$50.00} payment sent, and apparently, my account got closed ... That's what I thought ... I also received a statement with XXXX  balance. After a while, I started to receive statements again. I called care credit and they told me that sorry but your claim was resolved and you still owe that money. I made several attempts after that disputing the charges, again, and again, and again ( all cust ser, collection serv, and managers were recommending me to file a new dispute ). After having so many attempts to resolve the charges, I called my XXXX XXXX to see my options and they told me to go back to the same XXXX and get my XXXX XXXX  since they already paid for it and I have the debt on the care credit. So, I called care credit and I decided to settle the account since I saw that they were not able to do anything for me ... The very next day I returned to the XXXX  ( they gave me an appointment right away for my XXXX  and I paid out of pocket my deductible ) they also showed me that they refunded {$160.00} and {$550.00} to the care credit card!!! Those credits were never applied to my account!!! I had all those years disputing a charge that was already refunded in XX/XX/XXXX!!! I can say that in XX/XX/XXXX there was only one manager that found those credits under but under a different account number and she promises me that it will get resolved ... Two days ago I reviewed my credit report and it still shows the care credit with a debt of {$1300.00}. I have been calling care credit like 7 times a day, and in the end, all people from customer service are hanging up on me ... they all said that they can not go back to XXXX to see the credits and they can not transfer me to a supervisor ... one said that a supervisor will call me but nothing yet. This is affecting my credit report big time now that under this circumstance I need to refinance my house ... 
I would like to add that my XXXX XXXX place acted in good faith and refunded the money in a timely manner. It is the care credit card that is failing its duty to me as a customer.
Consumer complaint received 2022-01-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (DC)

I was involved in a multi-person, multi-business impersonation fraud scheme. The four individuals and three companies involved convinced me to pay for services to get my book published by XXXX XXXX. XXXX XXXX has indicated no affiliation or employment of any of the individuals involved ( this was a very sophisticated scheme ). I have filed with the FTC and FBI. 

BB & T ( now Truist ) was contacted 3 times by phone and once in-person. While the branch manager was extremely helpful, Truist has not moved forward with reversing the transfer between them and Evolve Bank & Trust ( letter sent to me on XX/XX/XXXX ). I am having trouble just getting someone at BB & T/Truist to help with the situation. 

Wire transfers were made on XX/XX/XXXX ( {$15000.00} ) and XXXX ( {$10000.00} ). The case number within Truist is XXXXXXXX. The FTC report number is XXXX. I have a copy of the FBI XXXX complaint referral form and the wire transfers. I have copies, contact information ( of the impersonators ) and documentation of everything.
Consumer complaint received 2023-01-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (IL)

Ive sent validation letters to this company and I received no response. Theyre ruining my credit & its affecting my life. Theyre violating The Fair Credit Reporting Act, 15 U.S.C .
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I submitted a letter to the 3 Credit Bureaus to delete these unverified and unauthorized inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION ()

I have been receiving emails from Capital One in regards to someone else 's bank account ( Credit Card ), I have tried an failed to get these stopped on the banks end. I have chatted with someone on Capital One 's Online Chat and forwarded emails to their 'abuse ' email address ( Date of Chat & Email interaction : XX/XX/2020 ). This stopped the emails for a couple of months however the emails have since restarted. 

For further information ; I can not access anything else regards to the account and I am only receiving statement and payment emails. I live in the XXXX and the account holder lives in the US ( this is a 'best guess ' as the amounts in the emails are in USD ). 

I can see the persons full Given & Family Names, the first initial of their Middle Name & the last 4 digits of their account number. On the statement emails I can see the balance, the minimum payment & the payment due date. On the payment emails I can see the amount paid and the posted date. 

I do not know any further details about the account holder and all contact information that has been filled out are my details so that this can be sent through. I have included the account holders name as the 'other person ' involved in this issue.
Consumer complaint received 2024-02-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am formally notifying you of my intention to pursue legal action against your company for repeatedly failing to address inaccuracies on my credit profile, as mandated by the Fair Credit Reporting Act ( FCRA ). Your disregard for my requests constitutes a violation of the FCRA, which grants consumers the right to accurate credit reporting. Despite multiple requests, you have neglected to investigate and correct the erroneous information associated with the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-03
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. (CT)

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 2021-03-19
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. (SC)

TransUnion is reporting the account with XXXX inaccurately on my credit report. Upon reviewing my credit report, I did not recognize this account. I initially sent a request for TransUnion to validate the account, and send my proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After four different attempts, they have failed to provide me proof of this account. I have disputed this information four times, and have given them warning that if it could not be validated, to remove it from my report, or else I would file a formal complaint. In addition, the information TransUnion is reporting does not match the information being reported by the other credit agencies. They still have not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a complaint.
Consumer complaint received 2021-03-18
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. (GA)

I am filing a complaint against The credit bureaus as well as the creditor for inaccurate and unjust reporting. This 3 years has been this company XXXX COMMUNITIES WITH THE COMPLEX NAME XXXX XXXX REPORTING INACCURATE INFORMATION TO THE CREDIT BUREAUS AND REPORTING DIFFERENTLY TO THE COURTS. I REACHED OUT TO HAVE THIS DEBT REMOVED BECAUSE THE CREDITOR CANT PROVIDE DOCUMENTATION OF THIS DEBT SO IT SHOULD BE REMOVED. I reached out to the creditor to find put how it was investigated and what was provided to show accuracy and they couldnt provide any information nor would they remove it so Im complaining on both companies
Consumer complaint received 2021-03-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation (TN)

Facts are I was sold a " CLONE '' XXXX XXXX XXXX XXXX online 3-D website purchase is how your buy their cars. 

I purchased the vehicle on XX/XX/XXXX and it was delivered on XX/XX/XXXX byXXXXflatbed truck. I was informed on delivery I would receive my contract, license plates, and decal stickers delivered via mail. I never received any paperwork for the purchased vehicleXXXXthe dealership sold me a cloned vehicle and the subsidiary company BRIDGECREST sent letter informing they were deleting it from their records and all 3 credit bureaus to delete the account. 

Needless to say, BRIDGECREST continues to send fraudulent presentments in the form of pay coupons to send them money I do not owe. Also, I had to file state attorney general consumer complaints on fraud contract and vehicle purchase I had for 10 months. I received a call from Georgia DMV Fraud Agent informing me I purchased a vehicle on their State thats not registered. 

The companyXXXXcreated two fraud contracts as if I purchased the vehicle from state of Georgia when o purchased vehicle online from the state of Indiana. Fact is FBI has to get involved for fraud and other agencies for Odometor Fraud concerning Vehicle I purchased on XX/XX/XXXX. 

The results are the vehicle is under investigation with Missouri Highway Patrol Fraud Agent, U.S. Department of Transportation Odometor Fraud Agent, and Georgia DMV Fraud agent. I have not heard anything since the vehicle was unlawful reposssed on XX/XX/XXXX. 

I received a call by FBI XXXX XXXX Agent XXXX informing me where to go to pick up my personal property. I have received fraudulent mail that is in violation of FDCPA 1692 ( e ) concerning my consumer rights being harassed about a cloned vehicle thats confirmed I purchased a vehicle that do not belong to me under fraudulent sales contract created byXXXXcompany and BRIDGECREST. 

I have sent certified mail with tracking number. Phone calls made on XX/XX/XXXX, to XXXX XXXX requesting all RECORDS be sent certified within ( 5 ) business days pertaining to the ( 2 ) Security Retail Agreements created by XXXX XXXX Underwriter without written express consent. They used a fraud SSN to create the vehicle sales contract that does NOT belong to me.