davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX at XXXX XXXX, a Mr. XXXX XXXX received {$1400.00} from my checking account, despite my knowledge or consent. Before that, someone locked my debit card at XXXX. I called BoA within a couple minutes of waking up at XXXX to resolve the transaction. I was forwarded several times and finally told a case was opened, a new checkings account would be set up, my online id and password would be changed, my checkings account will have XXXX withdrawn from it, and to wait 10 business days for the results of the case. Even after the entire time I spent with BoA, the transaction was still " processing ''. I went to visit the bank in person to talk about what happened the day after, because my parents had money from their account taken as well, and were able to get it back within that day. I got the case back on XX/XX/XXXX, XXXX XXXX  and was not refunded my money because I had apparently authorized it. I tried to reopen my case and went to the local BoA again on XX/XX/XXXX, and the representative let me call the Fraud services while in his presence. He recommended I ask if opening a police case would work and nothing was resolved apart from BoA saying I could do that and they'll have to send me the paperwork for the report and fax it to them. I never got the paperwork in email or physically. I left the physical bank and called BoA later in the day and set up a 3-way call with my mom and the BoA representative. My mom and the representative discussed my case and they concluded that they will reevaluate the case and respond back by the end of XXXX.
Consumer complaint received 2020-02-20
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. (MO)

On XX/XX/2019 I sent yet another dispute to Transunion because these two accounts were reporting as the same account. These accounts had already been investigated and deleted by XXXX   as they were unable to be validated but Transunion continues to update and validate. I have requested Method of Verification in the past and not received results just another updated dispute, I have attached proof of the XXXX deletion as well as the last dispute letter. 
In XX/XX/2019 I received a response from XXXX   stating that the following account could not be verified nor validated, and it was immediately removed from my credit file : s XXXX/XXXX XXXX XXXX XXXX XXXX XXXX ( Same Account )
Consumer complaint received 2022-10-15
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: Experian Information Solutions Inc. (CA)

XXXX # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DATE OF LAST ACTIVE, DATE OPENED, ACCOUNT RATING, DISPUTE STATUS, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Consumer complaint received 2023-03-23
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. (NJ)

I received a notice from credit acceptance that if I paid {$4300.00} within 90 days of the letter datedXX/XX/23 they would close my account and if the account was still reporting to the credit bureaus it would be updated to zero balance and paid in full for less than full balance. I paid the account in full onXX/XX/2023. I then called onXX/XX/23 the rep stated the account was closed so I requesed a letter stating that it was paid in full and they would be updating my credit report. I was faxed that letter as well as mailed the same letter. I have had way too many issues with this company in the past so I disputed the info because I knew they would not update it accordingly and of course they responded to the dispute that everything was accurate on the account which is a lie.
Consumer complaint received 2021-02-17
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BBVA FINANCIAL CORPORATION (CA)

I requested a cashier 's check for $ XXXX on XX/XX/XXXX. 

BBVA 's bank, Simple, removed those funds from my account on XX/XX/XXXX. 

Simple can not find the check and will not cancel the check, which means I'm out $ XXXX. 

I spoke with Simple 's customer service today, on XX/XX/XXXX. They said that the problem was that XXXX has weather delays at the headquarters of their partner bank, BBVA. This is a verifiable lie ; XXXX publishes their service delays, and there are no delays in the area that Simple/BBVA is claiming.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Southwest Recovery Services, Inc. (TX)

I am contacting the Southwest recovery systems collection on my credit report. The original debt was with XXXX and the date on this was XXXX. The debt had been illegally readded in collection and the statute of limitations has passed and this should have fallen off my credit report in XXXX.
Consumer complaint received 2020-02-21
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: FIFTH THIRD FINANCIAL CORPORATION (TX)

Texas XX/XX/XXXX 16.004 4 4 adding removed accounts back on with notice https : //www.credit.com/debt/statutes-of-limitations/ scaring me to sue is against the law XXXX  XXXX  XXXX 53 bankUnder the FDCPA, a debt collector can not threaten to sue you to force faster payment of a debt. More often than not, when a collection agent or lawyer threatens to sue, it is to frighten you into making larger payments or establishing an impractical and financially infeasible payment schedule.

Tax Liens Removed From Credit Reports Tax liens used to appear on your credit reports maintained by the three national credit bureaus ( XXXX, XXXX  and XXXX  ). Even if you paid the lien, it stayed on your reports for up to seven years, while unpaid liens remained on your reports for up to 10 years. 

In XXXX, however, all three credit bureaus implemented changes to eliminate civil judgment records ( notes that a consumer owes debt to a court because of a lawsuit result ) and half of all tax lien data. By XX/XX/XXXX, all tax liens were removed from credit reports by the bureaus. 

The updated rules are the result of a Consumer Financial Protection Bureau study that found issues with reporting such information correctly. 

" A lot of judgments and liens were linked to the wrong people, so someone may share your first and last name, maybe live in a different part of the country, and they might have a lien or judgment that might get linked to your file, '' said XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX at data firm XXXX XXXX XXXX, in XXXX XXXX. 

How Will the Tax Lien Change Affect My Credit? 
According to XXXX XXXX XXXX, only about 11 % of consumers will see a change to their credit reports as a result of this action, and scores could increase by as much as 30 points overall. 

However, the XXXX XXXX XXXX XXXX, which represents the three credit bureaus, said in a statement in XXXX that " analyses conducted by the credit reporting agencies and credit score developers XXXX and XXXX show only modest credit scoring impacts. ''
Consumer complaint received 2020-02-21
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: DISCOVER BANK (TX)

Texas XX/XX/XXXX XXXX XXXX XXXX adding removed accounts back on with notice https : XXXX scaring me to sue is against the law discover XXXX  XXXX XXXX XXXXUnder the FDCPA, a debt collector can not threaten to sue you to force faster payment of a debt. More often than not, when a collection agent or lawyer threatens to sue, it is to frighten you into making larger payments or establishing an impractical and financially infeasible payment schedule. 
Tax Liens Removed From Credit Reports Tax liens used to appear on your credit reports maintained by the three national credit bureaus ( XXXX, XXXX  and XXXX  ). Even if you paid the lien, it stayed on your reports for up to seven years, while unpaid liens remained on your reports for up to 10 years. 

In XXXX, however, all three credit bureaus implemented changes to eliminate civil judgment records ( notes that a consumer owes debt to a court because of a lawsuit result ) and half of all tax lien data. By XX/XX/XXXX, all tax liens were removed from credit reports by the bureaus. 

The updated rules are the result of a Consumer Financial Protection Bureau study that found issues with reporting such information correctly. 

" A lot of judgments and liens were linked to the wrong people, so someone may share your first and last name, maybe live in a different part of the country, and they might have a lien or judgment that might get linked to your file, '' said XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX at data firm XXXX XXXX XXXX, in XXXX XXXX. 

How Will the Tax Lien Change Affect My Credit? 
According to XXXX XXXX XXXX, only about 11 % of consumers will see a change to their credit reports as a result of this action, and scores could increase by as much as 30 points overall. 

However, the XXXX XXXX XXXX XXXX, which represents the three credit bureaus, said in a statement in XXXX that " analyses conducted by the credit reporting agencies and credit score developers XXXX and XXXX show only modest credit scoring impacts. ''
Consumer complaint received 2020-02-21
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. (TX)

FTC violations Equifax breach In XX/XX/XXXX, Equifax announced it experienced a data breach, which impacted the personal information of approximately 147 million people. A federal court approved a class action Settlement that resolves lawsuits brought by consumers after the data breach. Equifax denied any wrongdoing and no judgment or finding of wrongdoing was made.

If you are a class member, the deadline to file Initial Claims Period claim ( s ) for free credit monitoring or up to {$120.00} cash payment and other cash reimbursement passed on XX/XX/XXXX. 

https : XXXX  they remove it and put it back on with out notifying me first Texas XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-21
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. (TX)

FTC violations XXXX  breach In XX/XX/XXXX, XXXX  announced it experienced a data breach, which impacted the personal information of approximately 147 million people. A federal court approved a class action Settlement that resolves lawsuits brought by consumers after the data breach. XXXX  denied any wrongdoing and no judgment or finding of wrongdoing was made.

If you are a class member, the deadline to file Initial Claims Period claim ( s ) for free credit monitoring or up to {$120.00} cash payment and other cash reimbursement passed on XX/XX/XXXX. 

https : XXXX they remove it and put it back on with out notifying me first Texas XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-21
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. (NY)

I have tried to address this issue with this company I never heard of called XXXX. They are saying I signed something for them to run my credit on XX/XX/2019. 

I have called this company a few times and they had emailed me months back with a report to proof I am me and how if I did that they would remove this hard pull which I sent them my photo id to provide I am who I say I am and that I never authorized anything with there company. 

From what there company rep had said this would be removed from my credit report as long as I proved I am me. Which I feel I did. So I am unsure as to why this is still on my credit file.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed an error on my TransUnion credit report over 3 times last year, regarding a notation on my report saying : Accounts with missed payments REAL ESTATE LOANS XXXX XXXX XXXX XXXX  1 Missed Currently null I contacted XXXX XXXX 2 days ago AGAIN, and they advised they have no noticed on my account that I EVER missed a payment on my mortgage payment. I have responded back to TransUnion numerous times, filing numerous disputes & they still continue to include this incorrect information on my credit report.
Consumer complaint received 2022-12-15
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. (CA)

I ordered a copy of my report in XXXX dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed accounts which I believe were reported in error. 

XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$330.00}
Consumer complaint received 2023-03-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: Revolut Technologies Inc. (WI)

Dear CFPB, I am writing to report an ongoing issue with my savings at Revolut since XX/XX/XXXX. Despite multiple attempts to resolve the issue with their chat support team, my two savings have not been earning any interest.

I have spoken with a dozen different online representatives and emailed twice, but the lack of communication and information sharing between team members has made it difficult to identify the problem. Moreover, representatives have been delaying the conversation until it is no longer their responsibility, resulting in unnecessary delays and a loss of interest on my savings. 

Below is a list of customer service reps who have worked on my case : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your urgent attention to this matter and a timely resolution to the issue. Thank you for your assistance.
Consumer complaint received 2015-04-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TN)

I have been monitoring my credit report and scores continuously for the last two years. I noticed in XX/XX/XXXX that XXXX accounts XXXX under ENHANCED RECOVERY COMPANY ( XXXX from XXXX XXXX XXXX and the other from XXXX XXXX ) were on all XXXX of my credit report in collection status. This has dramatically declined my credit, so I started to investigate these alleged accounts. They claim the first account XXXX XXXX XXXX XXXX ) was placed for collecton on XX/XX/XXXX. They claim the second account ( XXXX XXXX ) was placed for collection on XX/XX/XXXX. I have lived with relatives, and have NOT opened any cable/cellular accounts in over 7 years. So I started the dispute process with all the credit bureaus.I disputed in XX/XX/XXXX, no changes were made. I disputed again, I got the next results on XX/XX/XXXX, still ENHANCED RECOVERY COMPANY did not remove or validate these alleged accounts The only change made was the DATE UPDATED date was updated to the day they received the dispute. Next I started working with a credit repair company, they sent out another round of disputes, I recieved the dispute results on XX/XX/XXXX. Unfortunately, ENHANCED RECOVERY COMPANY still did not validate the accounts or remove them and no changes were made. Now I am taking it a step farther. I am sending a certified debt validation letter to their company, of which I will keep the receipt. I will also be attaching the debt validation letter, and also the copies of the dispute investigation results over the past few months. I have also contacted the XXXX and your organization as of now. Please assist me with this matter. Thank you for your time.
Consumer complaint received 2020-02-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc. (CA)

They have violated federal law regarding my personal loan with them and are unresponsive in working with me to address this predatory loan scam. I have called, mailed and other actions in order to get them to cancel my loan based on TILA, FTC, and EFTA laws that were broken by them. I have CALLED, EMAILED and EVEN SENT CERTIFIED MAIL TO ALL OF THEIR CORPORATE OFFICES to resolve this issue with no luck. 

This company has been violating the FDIC enforcement order of unfair and deceptive practices as seen here https : XXXX
Consumer complaint received 2020-02-20
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: BBVA FINANCIAL CORPORATION (AZ)

BBVA changed the way my minimum payment was to be calculated by adding a disclosure to a bill that I never saw, so i wasnt able to opt out of the change, resulting in a {$25.00} per month increase of my min. payment due. I am on fixed income, can not maintain the higher pmnt. 
Called and spoke with male, who couldnt help and transfered me to a supervisor who refused to help me ( Supervisor : XXXX empl # XXXX ) The co obviously minimally disclosed change so they can get more $ $ every month on high risk debtors they feel may eventually stop paying them. They have my email and my phone for texts if they wanted to make sure I understood my option to opt out of the increase. I feel the disclosure was insufficient and I should be opted back to my originsl agreement with them. 
My complaint reference # with BBVA is # XXXX
Consumer complaint received 2020-02-20
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)

Inaccurate information on credit report. Please remove from credit report all inaccurate information listed below. This is a FTC violation. 

1. XXXX XXXX XXXX {$990.00} XX/XX/XXXX 2. XXXX XXXX {$2200.00} XX/XX/XXXX 3. XXXX XXXX XXXX {$93.00} XX/XX/XXXX 4. XXXX XXXX XXXX {$9100.00} XX/XX/XXXX 5. XXXX XXXX XXXX {$11000.00} XX/XX/XXXX 6. XXXX XXXX {$650.00} XX/XX/XXXX XXXX. XXXX XXXX {$16000.00} XX/XX/XXXX
Consumer complaint received 2020-02-20
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. (TX)

Inaccurate information on credit report. Please remove from credit report all inaccurate information listed below. This is a FTC violation. 

1. XXXX XXXX XXXX {$990.00} XX/XX/XXXX 2. XXXX XXXX {$2200.00} XX/XX/XXXX 3. XXXX XXXX XXXX {$93.00} XX/XX/XXXX 4. XXXX XXXX XXXX {$9100.00} XX/XX/XXXX 5. XXXX XXXX XXXX {$11000.00} XX/XX/XXXX 6. XXXX XXXX {$650.00} XX/XX/XXXX XXXX. XXXX XXXX {$16000.00} XX/XX/XXXX
Consumer complaint received 2020-02-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (TN)

Hello the CFPB, and USBank. 

I would like to dispute some transactions today. I would also like to change my account number, remove any restrictions my account has, and order a brand new debit card with a new pin. My last request is that any overdraft paid fee, is reverted. 

If this is not done within 30 business days, I will be forwarding this to the XXXX and taking any necessary actions needed. 

Any transactions you see from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX need to be reversed, and the fees associated with it wether it be overdraft, or processing fees need to be REVERSED BACK TO ME. 

I have updated all of my emails, passwords, and phone numbers so this can not further happen. I've attached my account transaction history.
Consumer complaint received 2020-02-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF THE WEST (CA)

Dear CFPB, I am attaching my most recent bank statement from Bank of the West. 

I took a break from actively using my checking account and stopped depositing funds there. I had left {$3.00} in the account to keep the account open and in good standing. On XX/XX/XXXX, a merchant drafted the account for {$6.00} which Bank of the West covered resulting in an overdraft fee. I was not notified that there was a lack of funds to cover a charge. I did not receive any phone calls or letters. As far as I was aware, my account was still in good standing without any problems. 

Then, on XX/XX/XXXX ( two months later ), I received a notice from a collection agency, XXXX XXXX, XXXX stating that Bank of the West placed my overdue account for collections. The amount owed was {$110.00}! Shocked, I contacted Bank of the West to find out what happened. I called them on XX/XX/XXXX and was advised that their phone support was unable to help so I would have to visit a branch. 

Today, XX/XX/XXXX I visited the branch and was advised that they already sold the debt, the account was charged off, and there is nothing that they can do. 

To summarize, over a 60 day timeframe, my account went from having a positive balance, to owing {$110.00} and having the debt sent to a collection agency. During the 60 day time-frame, Bank of the West made no effort to contact me. I didn't receive any warnings, no correspondence or phone calls. 

My complaint is that I believe Bank of the West charged these fees and charged off the account as quickly as possible to ensure that there was no way that I could resolve the issue in time.