davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I along with others Suffered drastically during the pandemic of XXXX not only did I get sent from here to there to talk to this person, and that person being told to wait on the phone for hours and hours just to be hung up on from Bank of America prepaid claims , and have my account frozen for no reason along with funds, but they were also stolen from me due to fraud. I expressed my my frustration in a calm, reasonable way hoping I get to a silver lining, but that never happened. I wish I knew about the ongoing lawsuits against them because I would have joined in on them. This is three years ago. I had made these claims out of three claims that were put together by Bank of America claims representative apparently only two out of three were approved, but not the third. Why I dont know why. So I requested that the third one which would be in the amount of {$10000.00} be reconsidered, because it didnt seem right that that one would be declined or denied, and the others approved when they all had the same tracing fraud in the same fashion. I was never given any provisional credit any help whatsoever. I call every day for the past three years to be put on hold, and theres been no work or any type of settlements on my claim. Bank of America claim that the reason why they didnt work on her for the first year and a half or two years was because it was frozen, which is not true because there was deposits made into the account from the other two claims so that is a lie. Let me remind you again. This is three years later after the pandemic and my funda have still not been paid. Ive literally been suffering drowning in even more debt that that money could have or should have helped me with but not only was it stolen in the beginning its being held now by BofA still with no regard or decisions being made. Im struggling so much guys. I feel like Im being taken advantage of. The only account activity that has been made and barley made is for 6 dollars interest funds for funds that have not been paid. And that was paid XX/XX/2023. Ive had enough I dont know who else to go to or speak to because all BofA prepaid says to me is sorry they have no communication to the back office that handles the claims but they do acknowledge the fact thats its taking a long time and they will submit complaints but nothing still gets done. Please I know there is something that can be done. I mean Im freaking homeless pretty much if Im not lucky enough to keep my head afloat from debt and court and lawyer fines I have a little girl here who has to Stay with my parents because I dont have a place for her. I work everyday and the spend 2 hours on top of that with bofa hoping to get to a solution but it doesnt happen.
Consumer complaint received 2019-04-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Berlin-Wheeler, Inc. (Kansas) (DC)

Berlin Wheeler - KS contacted me via telephone about a debt for XXXX XXXX account. The account is for cable service provided to a home in Oklahoma. I have lived in Maryland for over twenty years. The service ended up being for an address that is occupied by a family member. I agreed to pay the debt to avoid my credit being damaged. Once I provided them with my address in Maryland  they immediately filed the debt on my credit report the same day. 

Prior to their telephone call onXX/XX/XXXX, I had not been given notice that they were attempting to collect a debt, which would have allowed me the opportunity to address the debt or dispute it. 

When they contacted me via telephone they never mentioned that they would be filing this on my credit. I assumed that since I agreed to pay that there would be no further action. Again, this is not my account but an account that was opened for use by a family member.
Consumer complaint received 2019-04-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Maximization Group, Inc. (NJ)

XX/XX/XXXX mailed my original letter XX/XX/XXXX the mailed me the breakdown of my services and that's a hippa violation XX/XX/XXXX mailed hippa letter to them and they signed for it XX/XX/XXXX XX/XX/XXXX heard nothing back XX/XX/XXXX mailed them a letter and they signed for it on XX/XX/XXXX ( currently waiting )
Consumer complaint received 2023-02-24
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)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXX XXXX  Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX.
Consumer complaint received 2019-04-14
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: CITIBANK, N.A. (CA)

I had noticed that someone had been using my information and had been making unauthorized hard inquiries by fraud and here is the list 1. Citi Bank XXXX and XXXX 2. XXXX XXXX XXXX and XXXX 3.XXXX XXXX XXXX XXXX 4XXXX XXXX
Consumer complaint received 2019-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a XXXX on my credit reports that I thought came off after XXXX years. It is almost XXXX years now, what is the exact date this will fall off my credit report?
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

Approximately 2 weeks ago, my wife and I removed our credit freeze with all three credit reporting agencies. The loan process obviously gained access and the loan proceeds. However, today I went to re-establish the freeze. I had no problem with XXXX. 
I called EQUIFAX at XXXX and the AI system could not identify me. I went online and got another number XXXX. I eventually reached a human being who asked me a series of questions, then proceeded to tell me that the inputs I had given were incorrect in some way and I would have to write a letter to : XXXX. XXXX XXXX, XXXX GA XXXX giving copy of drivers license, social security card number, a recent invoice that had been paid ( suggested example -- utility bill ). No one in their right mind would simply send such protected information to a PO Box . IN MY JUDGMENT THAT IS A RIDICULOUS REQUEST. I asked to speak to a supervisor. No luck. I asked who regulates them -- answer was call XXXX. I knew that was wrong. That is why I have contacted you. Telling someone that they have failed their credit reporting agency account sign in WITHOUT EVEN A CLUE AS TO WHAT HAS FAILED may be good banking practice but it does not help me re-secure my account. In this automated world, there comes a point when the CONSUMER/CUSTOMER should have the option of speaking to a real human being who can resolve the issue.
Consumer complaint received 2019-04-14
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. (FL)

XXXX, Equifax and XXXX are damaging my credit with false information. Even though I have detailed the situation to them two times, they have chosen to ignore me.

In 2015 I had a limousine service. One of my drivers wanted to own his own vehicle. I guaranteed a loan for him from XXXX. Months later, without my permission or knowledge, the driver turned the vehicle back to XXXX, and XXXX accepted it without my signature even though I had an economic interest in it. The first I heard about the situation was when XXXX sent me a letter demanding payment for the loss they incurred in resale of the vehicle. I was never given the opportunity to possess the vehicle and take over the loan obligation. Had XXXX advised me of the situation, I would have simply added the vehicle to my fleet, leased it to another driver and continued making the loan payments. 

Nevertheless, the credit reports from these three companies state that I defaulted on the loan to XXXX, thus substantially damaging me. Obviously, these companies have not acceptably investigated or considered the matter. Please help me!
Consumer complaint received 2023-05-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upgrade, Inc. (NY)

I am writing to report Upgrade Financial Loans ( https : //www.upgrade.com/ ). They have allowed my information and account to be compromised twice over a 60 day period. They took the entire {$11000.00} loan amount from my bank account, then I called and asked them to deactivate my auto payments which they did and apologized. Then approx. two weeks I get a call to approve a credit card offer request which i denied emphatically. I asked to speak to fraud department, and in the middle of speaking with someone in fraud, I was polite but frustrated, they hung up on me during the conversation and never called back. The very next day they took another auto payment of {$10000.00} out of my account again. This caused my bank account to spiral and subsequently all scheduled payments were not made with other creditors and has caused my bank account to suffer fees for bounced payments. Both cases they assured me that the auto payments was deleted. Fast forward to today I found a auto payments of the {$270.00} deducted once again. This prompted me to go into my account and I saw that Upgrade has allowed a loan that I di not request to be in final review.

Please assist me this has been going on for too long and it is creating financial destruction on my end. I have always paid all of my loans and cc cards on time with excellent history. They had no right to reactivate the auto payment method and deduct from my account once again.
Consumer complaint received 2019-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX and Transunion are damaging my credit with false information. Even though I have detailed the situation to them XXXX times, they have chosen to ignore me. 

In XXXX I had a XXXX  service. XXXX of my drivers wanted to own his own vehicle. I guaranteed a loan for him from XXXX. Months later, without my permission or knowledge, the driver turned the vehicle back to XXXX, and XXXX accepted it without my signature even though I had an economic interest in it. The first I heard about the situation was when XXXX sent me a letter demanding payment for the loss they incurred in resale of the vehicle. I was never given the opportunity to possess the vehicle and take over the loan obligation. Had XXXX advised me of the situation, I would have simply added the vehicle to my fleet, leased it to another driver and continued making the loan payments. 

Nevertheless, the credit reports from these XXXX companies state that I defaulted on the loan to XXXX, thus substantially damaging me. Obviously, these companies have not acceptably investigated or considered the matter. Please help me!
Consumer complaint received 2023-10-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX, XXXX, I was hacked in the morning at XXXX XXXX. I got a text message at XXXX XXXX about a recipient being added to XXXX, XXXX XXXX. I went to my computer and changed my information including my username and password. This hacker made three transactions of XXXX using XXXX. Then they did a wire transfer XXXX, but it didn't go through. I called the fraud department at XXXX XXXX  to open a claim. I got a mail on the XXXX of XXXX from the Wells Fargo fraud department and provided as much information including the recipient, and phone numbers that were added to my account. I was denied on the XXXX saying, " Our research shows the transactions were made through a secure online banking session by you or someone who had your authority and that no other processing errors occurred. Based on this information, we determined the transactions were authorized. We have closed your claim. '' Now, I'm here on CFPB trying to get the money that was stolen from me.
Consumer complaint received 2019-02-05
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. (WI)

I contacted XXXX in XXXX as there were inquiries or my report that I did not authorize when I was buying a car. Earlier in XX/XX/2018 I called with a few from a previous purchase and they were removed with no issues. In XX/XX/2018 when I was purchasing a car I told the dealership not to run my credit in any other bank other than the one my husband was already approved for and that I would only be a co-signer for to get him a better rate. They didnt listen and that why I ended up contacting XXXX. I was criticized by their employees when I called on XX/XX/XXXX that it doesnt affect my credit score. I explained to them that Im not worried about it affecting my credit score and that I didnt want it in my report as I never asked for credit from those places and that it remained on my report for 2 years. I asked them why these items were not removed when I filed the disputed in XXXX but was told that I had to write letters to those companies that I never had dealings with and provide personal information such as name adresss date of birth and social security number and hope that I dont become a victim of identity fraud. They had 30 days from the day I filed in XXXX to verify or delete these inquiries. They didnt do neither and they are still on my report. XX/XX/XXXX inquiries on my report are still not supposed to be on there. I want this resolved ASAP.
Consumer complaint received 2023-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (PA)

Back on XX/XX/2023, I applied for the government 's new income-based repayment plan, XXXX, and was almost immediately approved. Under the new XXXX XXXX, I would have a new, lower monthly repayment obligation. Nelnet still does not have updated information and is showing a much larger monthly repayment amount that does not reflect the approved XXXX XXXX  estimate. It's been almost exactly a month. It's impossible to get a hold of anyone in their customer service department, and I need to start paying back this month!
Consumer complaint received 2019-02-05
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. (WI)

I contacted TransUnion in XXXX as there were inquiries or my report that I did not authorize when I was buying a car. Earlier in XX/XX/XXXX 2018 I called with a few from a previous purchase and they were removed with no issues. In XX/XX/XXXX2018 when I was purchasing a car I told the dealership not to run my credit in any other bank other than the one my husband was already approved for and that I would only be a co-signer for to get him a better rate. They didnt listen and that why I ended up contacting TransUnion. I was criticized by their employees when I called on XX/XX/XXXX that it doesnt affect my credit score. I explained to them that Im not worried about it affecting my credit score and that I didnt want it in my report as I never asked for credit from those places and that it remained on my report for 2 years. I asked them why these items were not removed when I filed the disputed in XXXX but was told that I had to write letters to those companies that I never had dealings with and provide personal information such as name adresss date of birth and social security number and hope that I dont become a victim of identity fraud. They had 30 days from the day I filed in XXXX to verify or delete these inquiries. They didnt do neither and they are still on my report. XX/XX/XXXX inquiries on my report are still not supposed to be on there. I want this resolved ASAP.
Consumer complaint received 2023-10-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (AZ)

My husband and I have 2 mortgages with Freedom Mortgage on the following properties below. My husband XXXX XXXX called to ensure the XXXX XXXX XXXX  Policy for XXXX XXXX would be paid and somehow spent an hour of his life with incompetent people in the servicing department. We have had issues with Freedom Mortgage since the inception of this loan and have sent various letters concerning both insurances, escrows and refunds. I received the attached letter on changes made to XXXX policy. My husband never called to make changes to the XXXX property. I want to make sure that there are XXXX policies on XXXX XXXX XXXX XXXX NC XXXX for ( XXXX XXXX XXXX XXXX XXXX and ( XXXX ) Homeowners Insurance and that they are both paid with the escrows as required. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has XXXX XXXX and there were no changes requested for this property XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has XXXX Policies ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2019-04-14
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. (FL)

I submitted a dispute to Trans Union & XXXX disputing the reported amount due from XXXX XXXX XXXX # : XXXX. The reported amount is {$2900.00} however I have a statement from XXXX that reflects an amount of {$2400.00}, a {$500.00} difference. XXXX removed this from my credit report however Trans Union investigated & the negative report will remain in their database. I'm disputing this inaccuracy & requesting this incorrect information be removed from my credit file through Trans Union. I've attached a copy of the statement from XXXX.
Consumer complaint received 2019-09-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (TX)

I had received notice of an attempt to collect the debt in the past, but I've been unemployed for 2 years and my spouse had been unemployed for most of the last year, so I held on to the information. I reached out to the debt collector on XX/XX/XXXX through their contact portal. I specifically told them that I was currently employed and would like to negotiate a settlement since I was currently solvent through email. I received an immediate verification that they had received my request and would respond back, via email as requested, to my request. I've not heard a word and my request was to only receive email communication. Since I'm willing to negotiate a settlement, I figured they would want to work with me quickly, but this seems to not be the case. I also require debt verification at this point according to Texas debt collection laws, which I've not received. The Texas laws can be found on the Texas Attorney Generals website.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Under 15 U.S. Code 1681d2 ( 2 ) Exclusions - any reporting containing information soley as to transactions or experiences between the consumer and the person making the report. ( XXXX ) the term " consumer report '' does not include ( A ) subsection with information being transformed between reporting agencies and consumers. This is in violation of my rights. XXXX, Equifax XXXX XXXX reported that they have verified all accounts but that is not true as for as charge offs and late payments from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

How can you verify when you have several accounts that are paid/closed and still being reported as negative? Also, you have accounts listed as being late without providing proof of investigation procedures used to report these derogatory items on my consumer reports.

15 U.S. Code 6802 ( a ) I did not receive any written or oral consent option to give any non-public information such as transactions to third parties such as the consumer reporting agencies. 
Per standards of FCRA and XXXX XXXX anything reporting must be 100 % completely accurate, and verifiable which they are not. I demand a Cease and Desist to remove all negative items, such as Charge Offs and late payments as paid as agreed immediately.

With the latest news of the misrepresentation of information being incorrectly reported by both XXXX and Equifax with their law suits. I do not trust that my consumer reports are being handled the right way and I would like for them to be corrected.
Consumer complaint received 2019-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a Capital One Platinum Credit Card. Last year I was going through financial hardships because I was in between jobs. I could not make a payment on one of me credit cards right away and missed the payment due date. 
I was unaware because of my lack of credit knowledge until know that this was disputable. This is my first credit card and it has since hurt my credit score because of this.
Consumer complaint received 2019-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

This is a second dispute concerning issues of addresses that are not mines. I have had my personal ID and SS # compromised. The listed address were used for fraudulent activities and I do not wish to have my name associated with the following XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. I do not live at these addresses my personal information has been sent to these address because they are on file in your database and it is not correct. It maybe some relative or family member.