davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I already have a Bank of America credit card and a XXXX XXXX investment account. For the last few months, I kept receiving promotional emails from Bank of America, encouraging me to open a Bank of America checking account by the end of XX/XX/XXXX, and earn a {$300.00} cash bonus. On Friday, XX/XX/XXXX, I went into the Bank of America Financial Center located at XXXX XXXX XXXX XXXX, XXXX, IL, XXXX and talked to a financial solutions advisor named " XXXX XXXX ''. It took a really long time, and she had to get multiple approvals from the branch manager, as well as the account opening supervisor on the phone, however, she was able to finally open a checking and a savings account for me : Checking Account # XXXX Savings Account # XXXX On XX/XX/XXXX, I noticed I could not login to my online banking account. I immediately contacted Bank of America on the phone afterwards, and was told that my deposit accounts ( BofA checking and savings ) were being closed, and the only reason the agent on the phone provided to me was that Bank of America has made the business decision not to do business with me, which does not make sense to me at all, since I am already doing business with Bank of America by having a premium credit card account and a XXXX XXXX investment account. The only reason I decided to apply for these deposit accounts were the targeted cash bonus emails they kept sending to me on a bi-weakly basis. 
Given that I have no negative remarks on any of my credit reports as well as my XXXX XXXX, and my business relationship with Bank of America has been satisfactory so far for both parties, I would appreciate it, if Bank of America could reconsider the decision to close my newly opened accounts, and reopen the aforementioned checking and savings accounts. Thank you for your time and consideration. 
-XXXX XXXX
Consumer complaint received 2019-02-06
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. (UT)

I had phone service through XXXX and I changed phone carriers to XXXX-XXXX. When I changed companies they sent payoff to XXXX to buy out my contract, however, I recently discovered that XXXX turned my account in to collections with XXXX   XXXX XXXX.At the time that I changed cell phone companies I went to XXXX and paid my remaining balance on the account so there was nothing still owing.. The amount that they sent me to collections for was for the remainder of my contract which was paid off by XXXX. I have contacted XXXX XXXX and they won't do anything, they tell me that I have to talk to XXXX. I have contacted XXXX and they tell me that it has been too long and they don't have any records on my account anymore. I also contacted the three credit bureaus and XXXX  took the account off of my credit report but the other two agencies didn ; t respond and have done nothing to help me resolve this. The amount that it shows me owing is {$1200.00}. Opened on XX/XX/2015. I am getting nowhere with trying to resolve this derogratory reporting on my credit with both XXXX and Experian.
Consumer complaint received 2019-09-17
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. (MS)

In retaliation againt me for filing a complaint with the CFPB, XXXX XXXX XXXX XXXX has refused to report my account status to the credit bureaus for more than 60 days. My account is current, it always has been current. Supporting documents are attached.
Consumer complaint received 2019-01-31
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (NY)

" CCS '' XXXX XXXX XXXX comes up in my credit report for a fee owed of {$130.00} for XXXX XXXX XXXX XXXX when I left at the end of my policy ( paid up ) and went with another insurance company. I wrote to CCS in a letter dated XX/XX/2018 advising to provide validation of said debt but never received anything back. This is still on my credit report and I would like it resolved/removed as soon as possible.
Consumer complaint received 2022-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT " XXXX XXXX XXXX " ACCT XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT " XXXX XXXX XXXX '' ACCT XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY XXXX XXXX A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-03-06
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. (NC)

XXXX XXXX XXXX is selling my information to another service provider and furnishing information to the Credit Reporting Agencies without my written consent which is in violation of the LAW. I have contacted them about this matter in 2021 but they failed to do anything.
Consumer complaint received 2020-06-05
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. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For Equifax/XXXX/XXXX   & Attorney General/Consumer FinanceXXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX  ACCT : XXXX XXXX : {$630.00} XXXX XXXX  XXXX ACCT : XXXX XXXX : {$4900.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$670.00} XXXX XXXX, XXXX. ACCT : XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$7700.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX You also have an address listed for me as : XXXX XXXX XXXX XXXX XXXX, SC XXXX This will be removed as this is NOT ACCURATE! You Have my information belonging to another state! 









I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX  and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-12-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (TX)

XX/XX/XXXX went to transfer funds from my XXXX account to my cash app account and accounts have been closed. No reason, called cash app they can tell me the reason. They offered me to appeal their discussion. Wrote in my appeal that day. No word and all i get told is its been escalated to the department. Can't open an account. That day also their server wouldn't let anyone transfer funds from any outside accounts. Cashapp doesn't care if people are remodeling their homes and supporting local businesses or turing ones life upside down because their servers, algorithm, and AI are not right. They only care about veg answers and untrained departments. I did not violate any one of their terms, nor any BSA, TITLE 31, OR SAR. Which none of their employees even knew what I was talking about. But I get the shaft.
Consumer complaint received 2019-02-06
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. (AL)

Was hospitalized for an extended period in late XX/XX/XXXX-XX/XX/XXXX due to auto accident. Former friend used some of my credit accounts without my consent or knowledge. Police report filed. He was convicted of theft. Creditors affected agreed that card was used fraudulently and charged-off balances as not belonging to me. Other creditors deleted any mention of the fraudulent account and issued me a new account.
Consumer complaint received 2024-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (NJ)

Last year the mortgage servicer sent me a letter that I did not have insurance coverage and they were putting forced place on the account. I sent them proof of payment and policy coverage and was informed the issue was resolved. XX/XX/XXXX I received another notice of XXXX for XXXX and saw that they had been charging me for XXXX XXXX XX/XX/XXXX I submitted through their online ticketing system documents showing proof of XXXX and XXXX coverage asking for the XXXX to be refunded. No response. Between then and now I opened XXXX more online tickets, emailed and called multiple times to no avail. The servicer told me verbally that the XXXX would be refunded and once refunded the insurance would be removed from my escrow and a new analysis performed to correct my monthly payment. They instead left the XXXX on, paid my XXXX policy that I already paid directly and sent proof of payment for and did another analysis raising my payment yet again. Each time I submit in writing it is ignored. When I call they tell me they are fixing it but it will take weeks to correct then make the issue worse. And tell me it will take weeks to correct their errors. I spoke with them on XX/XX/XXXX and was told the XXXX was being removed and the escrow closed off my account. Today I got a letter telling me that my taxes are being removed which I did not want or ever discuss and also an alert that another analysis was done including the insurance and increasing the payment further. I have been told the XXXX was refunded but their website does not provide a view into the escrow account details so I have no means of verifying this. When I called today and read the tax escrow letter to the agent I was told I was wrong that was not what the letter said, rather it merely said that they were working to fix my account. I read the letter back twice which in no uncertain terms stated that my tax escrow was being closed out. I have tried every avenue of communication and am at a loss of how to proceed. They continue to make further errors instead of resolving the issue and now for XXXX I will be overpaying by almost $ XXXX for the XXXX month in a row into my escrow account because they will not correct my payment. As a consumer I have no control over who services my mortgage and the servicer has not demonstrated responsiveness, competence or concern for the time and financial burden this has caused. They simply do not respond, their phone system is automated and loops you continuously through a menu so that often you can not even get to a representative and when you do they pass you around and put you on hold until you give up.
Consumer complaint received 2022-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), The credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

It also states a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-01-26
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. (DE)

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  Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 ) 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 2022-09-02
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. (MD)

Despite multiple written requests, the inaccurate accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX 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 2023-01-26
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. (NY)

I was a victim of identity theft my phone number, cards social security number and other things was solid to someone on the dark web and I was a victim of security breach with reporting agency. 

I filed a report with the federal trade commission and let the credit bureaus and credit card company XXXX and XXXX  know and attached the report to my dispute. I also disputed these accounts to Experian and attached my federal trade commission to the dispute. 

all credit agencys but Experian has not removed the XXXX account and eversource account from my report. 

The account in question is XXXX XXXX And XXXX account XXXX Experian falsely responded to my original report to CFPB report number XXXX that the accounts Im disputing is not on my report which is not true and a lie. 

Please see attached my most recent credit report from Experian showing both these accounts still on my credit report. Page 31 page 35 highlighted Please see attached my federal trade commission report both accounts are highlighted Please see attached Experian response to my complaint Please remove these accounts from reporting. This is extremely illegal
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (VA)

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX VA. XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Credit Inquiry on Credit Report To Whom It May Concern, I am writing to formally dispute and request the removal of an inaccurate credit inquiry listed on my credit report. Upon reviewing my credit report dated XXXX XX/XX/2023 I discovered a credit inquiry that I did not authorize or recognize. The details of the inquiry are as follows : Creditor Name : NOWCOM/WESTLAKE FINANC Inquiry Date:XXXX Inquiry Type : Hard Inquiry I have not applied for any credit or authorized any entity to make an inquiry into my credit history on the mentioned date. This inquiry has adversely affected my credit score and could potentially impact my ability to secure credit in the future. 
I request an immediate investigation into this matter and the removal of the inaccurate inquiry from my credit report. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports, and credit bureaus are obligated to investigate and correct any errors within a reasonable timeframe. 
Enclosed with this letter are copies of supporting documents that demonstrate the inaccuracy of the credit inquiry, including any proof of identity, such as a driver 's license or passport. 
I kindly request that you provide me with a written confirmation of the investigation results and any actions taken to remove the erroneous inquiry from my credit report. 
Please acknowledge receipt of this complaint within 30 days and initiate the investigation process promptly. 
Thank you for your attention to this matter. 
Sincerely XXXX XXXX XXXX
Consumer complaint received 2022-09-02
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. (UT)

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Consumer complaint received 2023-01-26
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ALLY FINANCIAL INC. (OK)

Ally Financial called my father and sister to tell them they were looking for me, after speaking to me on the phone and receiving a payment towards my debt. 

I spoke to Ally on Monday, XX/XX/XXXX, at XXXX. On Wednesday, XX/XX/XXXX, we made a payment toward the debt. Since then, theyve tried calling me two other times, and, because I was at work and couldnt answer the phone, Ally proceeded to call my father and sister, under the guise of looking for me. 

This blatant harassment will not be tolerated. Ally was not looking for me - these calls are a form of public embarrassment and slander, given that were still making payments.
Consumer complaint received 2019-02-06
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: Fidelity National Information Services, Inc. (FNIS) (IN)

Consumer ID # XXXX In my previous dispute with this XXXX  dated XX/XX/2019. XXXX  has failed to provide a method of investigation as requested. CFPB complaint # XXXX XXXX  failed to respond to my method of investigation. Futhermore, as a company holing a report under my name, XXXX tried to push the burden of proof to me. How lazy and irresponsible of XXXX  to have me try to verify the information they are reporting, IT IS YOUR JOB XXXX!!!!!!!! not mine. 
-Still have yet to receive a method of invesigation -Still have yet to get any relief on the issues requested in this dispute -XXXX  has failed to fulfill their responsibility and tried to push the burden on me. 
- Multiple FCRA violations Furthermore XXXX  has failed to correct/remove/verify/show method of investigation for anything I listed tint the previous dispute. This company is willfully not complying with FCRA Once again, attached is all items that had been previously disputed and a method of investigation/verification had been requested in Cpfb complaint XXXX. I have the utmost confidence in XXXX ignoring/ brshing me off as well as, not complying with standards set forth in an industry they chose to be in. XXXX needs to do a better job at DOING THEIR JOB and stop trying to push their responsibility back to the consumer.
Consumer complaint received 2021-02-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Reliant Financial Corporation (WA)

It originally took forever for them to come get their vehicle after they agreed to pick it up. Eventually they came. I believe XX/XX/2015. I could no longer pay for it as it was still hard to find work until it began to pick up in late 2015. After I was able to save enough to pay them a settled amount ( which was a ridiculous amount for a car they got back and I only drove for four months ) they agreed to accept it and remove me from collections and take it off my credit report if I paid that day. Thats what I did. The loan was about XXXX I paid them over XXXX in the settled amount for a car that was worth XXXX. I waited approximately two months for it to be removed and contacted them several times to ask why it was still there and they continued to tell me the credit reporting agencies has nothing to do with them. I finally filed a dispute with the credit reporting agency to find out that the creditor reported that its still supposed to be there. Lawfully yes but thats not what they promised and I didnt get it in writing first! Lesson learned!