davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America blocked my checking and credit card accounts claiming that my residency documents were invalid. 

In the letter asking for my residency verification, XXXX of the accepted documents was an XXXX As I am currently in XXXX status, I provided Bank of America XXXX XXXX XXXX and XXXX. Despite providing the document proving my current residency status in the USA, Bank of America refused and claimed my XXXX was invalid because I am on XXXX status. A couple of phone calls later, they asked me to close both my account with them. I went ahead and closed my checking account, but while closing my credit card account, they refused to let me redeem the cashback amount of {$75.00} that I earned. 

Bank of America claims that my account is locked, so they can't let me redeem my cashback, but they can happily accept my payments to close the account. 

I find it unacceptable that a financial institution in the USA can force me to close my account without any valid reasons and, on top of that, not allow to redeem my own money.
Consumer complaint received 2020-08-06
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: NAVY FEDERAL CREDIT UNION (TX)

I have a loan with NAVY FCU. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and NAVY FCU with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-09-27
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. (AZ)

I recently noticed that Experian shows 6 missed payments on my credit report. I do not have missed 6 payments, all other major credit bureaus report all my payments are 100 % on time. 
Experians setup of their website makes it impossible to file an online complaint. I tried several times and it won't allow me to submit the complaint. I think this is done on purpose, so they don't get " bothered '' with customer complaints. I also sent them a letter, and -not to my surprise- never received an answer. 
I can't even find out, what the falsely claimed missed payments are ; Experian does not provide this information.
Consumer complaint received 2020-08-06
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. (FL)

I FILED BANKRUPTCY AND INCLUDED THEM IN IT AND XXXX   XXXX & THE COLLECTION COMPANY THEY SENT IT TO XXXX   XXXX  & XXXX which reports this as an open colllection on my credit reports, i have written them and disputed it several times, but the collection company has not removed this item and wont stop reporting adverse items on my credit reports {$4800.00} FROM THE XXXX XXXX XXXX XXXX XXXX XXXX I hired an attorney as well but nothing has happened yet
Consumer complaint received 2020-08-06
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. (GA)

I file a complaint against Equifax each time fraud is put on that belongs to someone with the same name or my family member. I am so tired of this. Now, your company has put XXXX XXXX XXXX on my credit file. My car is financed through my credit union. 


XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Cc : XXXX XXXX XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : Confirmation Number XXXX I am writing to dispute the following data in my credit file. I have listed all XXXX XXXX XXXX above. It is a letter meant to bring unnoticed mistakes to Equifax 's attention. I am begging that these fraudulent items be detached from my credit file and correct my credit report 's data. 

I have severe problems with XXXX XXXX XXXX! These kinds of companies are probably responsible for different breaches at Equifax. My credit file was a breach was years ago without any compensation. I completed all the appropriate I am still trying to get my V. A. Loan that I have rightly earned. 

Please delete these as soon as possible. I will keep pushing these removals until I am entirely content with this simple process. Why can I not get my V.A. Loan by no fault of my own? Why should my family continue to stay in a hotel since I can not obtain a loan? Why has this been going on for nearly two years? Why will Equifax not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Americans, particularly my XXXX I am begging to have XXXX XXXX XXXX removed, and let me XXXX? 

Could you all show XXXX 's kindness to Veteran who risked his life in fighting for a country I love dearly? Equifax could make this right in a matter of minutes.
Consumer complaint received 2020-08-06
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}, {$15000.00}, {$9700.00}, {$2500.00}, {$8800.00}, {$3000.00}, {$1500.00}, {$470.00}, {$3300.00}, {$5500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account. 

9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account.
Consumer complaint received 2020-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BBVA FINANCIAL CORPORATION (AL)

I HAVE DISPUTED THE REPORTING OF THESE ACCOUNTS SEVERAL TIMES. THESE ARE BEING INACCURATELY REPORTED ON MY CREDIT PROFILE. THE CABLE BILL IS FRAUDULENT. THE BBVA LATE PAYMENTS ARE TOTALLY INACCURATE. THESE LATE CHARGES ARE HOLDING MY CREDIT SCORE DOWN. I AM TRYING TO BUILD MY PERSONAL CREDIT TO BUILD MY BUSINESS BUT THESE INACCURATE REPORTED ACCOUNTS ARE A HINDERENCE. IT IS ALSO UNFAIR PRACTICES. XXXX AND XXXX ARE NOT REPORTING THESE INACCURATE ACCOUNTS. ONLY TRANSUNION.
Consumer complaint received 2020-08-06
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}, {$15000.00}, {$9700.00}, {$2500.00}, {$8800.00}, {$3000.00}, {$1500.00}, {$470.00}, {$3300.00}, {$5500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 
-- CLOSED ACCOUNTS 3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

8. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX XXXX with a balance of {$3300.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account.
Consumer complaint received 2020-08-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I spoke to AmeriSave on XXXX regarding a refinance with XXXX XXXX NMLS ID # XXXX. He took advantage of me being inexperienced in this whole refinancing process and told me I had to put a fully refundable deposit down of {$500.00} and that it would be refunded if I ever chose to not go through with the application or change my mind. I contacted XXXX on XXXX to cancel my refinance application and he responded with Too late, that is non refundable. Good luck. When I told him I was told it was refundable he laughed and said never have I said that and whoever told you that is a lie. I advised that he was the only one I spoke too and he just said that I was out of luck and couldnt do anything and to just move on.
Consumer complaint received 2023-01-06
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-06
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}, {$15000.00}, {$9700.00}, {$2500.00}, {$8800.00}, {$3000.00}, {$1500.00}, {$470.00}, {$3300.00}, {$5500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

8. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account. 

9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TRANSUION has gave false scores to everyone in which has made me and millions of others have to pay higher interest rates and payments which means TRANSUNION didnt exercise there grave responsibility to my consumer report. TRANSUNION was completely unfair, Partial, and did not respect my right to privacy. Pursuant to 15 USC 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates As i never instructed TRANSUNION XXXX writing to furnish this report and never consented to this report of XXXX XXXX XXXX NUMBER : XXXX  as well as XXXXXXXX XXXX  INQUIRY ON XX/XX/XXXX in the first place as well as pursuant to 15 usc 1681 ( a ) ( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. So TRANSUNION just assumed that TRANSUNION they could report this and TRANSUNION never had my permission and stole my identity to report on my behalf.. As stated on the back of all billing statements from XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of {$1.00} or more after 6 months, or as otherwise required by applicable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. Which correlates directly with 12 C.F.R. 1026.11 ( a ) as well as proof that {$4300.00} was the total amount of money I was owed since such amounts were on my billing statements every month. So I was owed this amount as these amounts where owed to me and was credited to my account in which XXXX has been falsely reporting with TRANSUNION.
Consumer complaint received 2020-08-06
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: WAKEFIELD & ASSOCIATES, INC. (ID)

I sent Wakefield & Associates a letter on XX/XX/2020 by certified mail. In this letter I both 1. disputed the debt and 2. clearly requested they " cease further communication with me unless there is a valid legal reason to do so. '' The tracking information from my certified mail receipt shows that letter was picked up from the post office at XXXX XXXX on XX/XX/2020. 

Wakefield & Associates sent me another letter prepared on XX/XX/2020 reiterating the same information they sent me prior to XX/XX/2020. There was no new information, and I did not request this letter. Nor was it : ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

as such, it didn't constitute a valid legal reason to contact me despite my request to cease all further communication. This was a violation of the FDCP. 

I sent Wakefield & Associates another letter on XX/XX/2020 through certified mail. Tracking shows it was received by them at XXXX on XX/XX/2020. This letter made them aware of the violation, and notified them a second time that they must cease all further communication. 

Wakefield & associates sent me another letter dated as prepared on XX/XX/2020, reiterating the same information as before. I did not request this letter, nor did it consist of a valid reason to contact me. 

In summary, they've violated my request to cease all further communication twice. Once on XX/XX/XXXX, and another time on XX/XX/XXXX.
Consumer complaint received 2020-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

XX/XX/XXXX- XXXX XXXX XXXX XX/XX/XXXX- XXXX XX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XXXX  XX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XXXXXX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XX/XX/XXXX- XXXX XX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXXXX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XXXX I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SECURITY FINANCE CORP (OK)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX XXXXreaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.