davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I lost my debit card, the day before I was supposed to get paid along with my phone. My cell phone does not have a passcode and I have all my password saved on it. I was. I was given an old phone from a friend and was able to restart my phone. I opened all my apps and bank account to find out I was charged {$1000.00} by XXXX in unauthorized payments the day of XX/XX/2021, I called Bank of America and reported the issue as soon as I could. I was told the charges may not post since I reported this and would receive a credit back within two business days. I waited until Monday when the charges posted. Tuesday I checked my account and I still did not have a credit posted and I had two important payments coming out the next day which put my account in a negative status. A week later my claim was denying. I called once again and I found out the claim was denying because it was filed as my debit card was in my possession. The person told me that he would file a complaint and would resubmit my case once again. Once a again a few days later my claim was denied, they believe the transactions were made by me. Furious I called once again and I was told to contact XXXX. I contacted them through phone and email and got confirmation from them that they believed the charges to be fraud and to go ahea and call my bank and file a claim. I got this in writing from the company and went into a Bank of America branch and had it faxed on XX/XX/XXXX. I called on XX/XX/XXXX to find out the status of my claim to once again receive the horrible news that my claim was denied. They claim that the charges were made with the knowledge that there would be a deposit made to that account on that update and they knew how much to spend. I was told to file a police report at this point. I quickly called the police department and filed a repost on XX/XX/XXXX. I am now waiting for their response once again on the claim. I am so frustrated and really need to recover my funds. It is a large amount of money and the two bills Still need to be paid. I dont know how to proceed at this point if they deny my claim or what I should be doing to prevent this. Any help would be welcomed. I have never had such horrible customer service from a bank.
Consumer complaint received 2023-03-24
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. (MI)

I received a loan from XXXX XXXX  XXXX. It was sold to a third party a few months later. By them selling my account to a third party that means I do not have an active account with them. I have already paid what was owed to the third party XX/XX/XXXX. I have sent letters, emailed, and called but did not get a response.
Consumer complaint received 2022-10-14
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. (GA)

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX 

Please delete the following inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (UT)

US BKPT CT UT XXXX XXXX  XXXX XXXX XXXX XXXXUS BKPT CT UT XXXX XXXX  XXXX XXXX XXXX XXXXUS BKPT CT UT XXXX XXXX XXXX XXXX XX/XX/XXXX US BKPT CT UT XXXX XXXX  XXXX XXXX XX/XX/XXXX US BKPT CT UT XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX The reporting of these accounts ( s ) is/are violations of 15 USC 1681a, the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 2 ) ( B ) : ( 2 ) EXCLUSIONS.- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( B ) any authorization or approval of s specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ). credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license ID, and license plate credit cards the extension of credit.
Consumer complaint received 2021-06-16
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: Prosper Marketplace, Inc. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2016-06-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (MT)

In XXXX, XXXX, my husband and I paid off our mortgage to Freedom Mortgage. XX/XX/XXXX, we began getting letters and phone calls from Freedom Mortgage ( here after called FM ) stating our payment was late and we would be charged a late fee. I called them and talked to XXXX at FM. She stated our payment had been misapplied and she would apply our payment to the payoff of our mortgage. It did not happen. I talked to XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX XXXX and XXXX on XXXX/XXXX/XXXX. All stated the payment we made would be applied to the final amount due on our mortgage. It never happened. In the meantime, we received another bill, doubling the amount due and it also included a fine for a late payment. XX/XX/XXXX we began receiving eviction notices. On XXXX XXXX, XXXX, my husband sent a certified check to FM. XXXX said the reason our first check was cashed and put into a funds held account instead of being applied to the principal was because it was not a certified check. She said it was illegal for them to take a personal check for the last payment. So we sent the certified check. That bill included unpaid principal, late fees, accrued interest, and a statement fee. We paid it all because they told us to, then they would reimburse us. They also assured us none of this would effect our credit score. It did. They reported us to FICO and said we had missed a payment. XXXX from FM assured me it was XXXX mistake, they had not reported that ( she said XXXX had done that to her personally several times ). On XXXX/XXXX/XXXX I was advised by XXXX to contact their customer care department by email. I did so. They do not correspond by email. I received a letter in the mail stating we would hear from them in 30 days. We did not. I wrote them 3 times, the last time I received the same letter on XXXX/XXXX/XXXX stating we would hear from them in 30 days. We have not. On XXXX/XXXX/XXXX I talked to XXXX from XXXX. She did a conference call with FM. After a long wait, XXXX came back on and stated yes, we had been reported. And yes, it was incorrect. XXXX asked if she could remove the item, and XXXX said no, she did not have the authority to say that. Thankfully, XXXX contacted her supervisor and they did remove the complaint. I have included several names of people we talked to at FM. But there were many more XXXX XXXX XXXX, XXXX, XXXX, XXXX, just to name a few. We tried to resolve this issue many times with Freedom Mortgage. Each time getting a different answer, sometimes rude, sometimes hanging up on us, sometimes kind but ignorant answers.
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX .... Balance : {$17000.00} ; DEPT OF EDXXXX XXXX .... Balance : {$5100.00} ; DEPT OF ED/XXXX XXXX XXXX .... Balance : {$2000.00} ; DEPT OF ED/XXXX XXXX XXXX ... XXXX Balance : {$1400.00} ; DEPT OF ED/XXXX XXXX XXXX .... Balance XXXX {$2600.00} ; DEPT OF ED/XXXX XXXX XXXX .... Balance : {$4600.00} ; XXXX XXXXXXXX XXXX .... Balance : {$1900.00} ; XXXX XXXXXXXX XXXX. Balance : {$1900.00} XXXX XXXX XXXX XXXX .... Balance : {$410.00} ; XXXX XXXXXXXX XXXX .... Balance : {$3700.00} ; XXXX XXXX XXXX .... Balance : {$450.00}
Consumer complaint received 2019-07-16
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. (GA)

I went to a credit counseling class because I wan na better my future and what better way to start than with my credit. So after checking my credit report again I was shocked to see items that there are items on my credit report that are not mine on my credit report. I have reached out to the FTC and to my local police department, and I am doing this on my own behalf. Again these items listed are not mine and need to be removed from my credit report.XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX. XXXX XXXX.
Consumer complaint received 2021-06-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo called excessively from XXXX to XXXX XXXX to XXXX, 3 different numbers up to 15x a day, disrupting my workflow. 

In XXXX, I was told that because I am on Pandemic unemployment and because my small business suffered that they would repossess my car and I should take all my landscape tools out of car. 

Then the Executive office would say don't worry, we don't want to repossess your car. Talk to XXXX XXXX XXXX, this would go on for months in between threats my car would be taken away because I am a small business owner and XXXX worker on pandemic unemployment. 

This was after I made 2 payments in XXXX which they said they these were to catch up and the executive office was working on my case. 

Letters I were sent please contact we will work with you. No one worked with me, I was threatened daily while being XXXX. Day my car was repossessed an individual from towing company reamed me out for taking a 20 min break to study for 2 tests I had to take for XXXX XXXX XXXX XXXX and XXXX XXXX - so I help with the XXXX  of residents in NC as well as studying for the XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX. 

Which I was up for 72 hours working and studying as well as sorting through all the bills Wells Fargo resent me. 

As a XXXX  and XXXX survivor as well as XXXX worker, small business owner whom is XXXX XXXX XXXX with XXXX, totally disgusted with Wells Fargo and who they partner to business with.
Consumer complaint received 2018-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

XX/XX/XXXX I contacted the CareCredit company to send the XXXX to my new address, so that once it was mailed, I could activate it. I was away for school and once the semester finished beginning of XX/XX/XXXX, I returned home to get the card from my mail and activate it. It said the account was closed on XX/XX/XXXX because the activation period had passed. I contacted the company to reverse this decision and reinstate the card so I could activate it seeing as I had the card in my hands, but they refused to do so and gave me the run around. I have paid my bills on time always with the company, and just want to use my card. It is not my fault there is a delay in things getting sent in the mail, and it is not my fault when there is a hectic semester and I can not travel back and forth between home at my convenience, nor is it my fault if it is difficult to mail sensitive documents and items back and forth when it is better for me to access these things in person.
Consumer complaint received 2021-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (WA)

I have already notified Comenity Bank that this credit card was opened without my knowledge or consent. I don't know nor ever had the account number and the fraud department would only give me the last four numbers which are XXXX. My now estranged wife had used my social security number behind my back to open multiple credit cards without my permission. She is a XXXX XXXX  / XXXX XXXX and I have had to file for divorce because of this. I have been severely and maliciously defrauded by her. I am not responsible for the debt that she has incurred in my name. I am a victim of identity theft. XXXX has even recognized this and deleted their XXXX entry from my credit profile. A police report was submitted to the XXXX XXXX Police Department on XX/XX/2020. I have found out that there are 7 other police reports with her as the suspect of fraud / theft.
Consumer complaint received 2018-05-10
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)

on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX initiated a hard inquiry on my credit reports { transunion, XXXX and XXXX } without having my authorization. 
I kindly ask you to remove the hard inquiry thank you
Consumer complaint received 2022-10-15
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. (NC)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CT XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-10-15
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$3400.00} ; XXXXXXXX XXXX  XXXX XXXX. Balance : {$6500.00} ; XXXX XXXX XXXX .... Balance : {$3100.00} ; XXXX XXXXXXXX .... Balance : {$960.00} ; CALIFORNIA XXXX XXXX XXXX Balance : {$6000.00} ; XXXX XXXX XXXX  XXXX Balance XXXX {$2800.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; CALIFORNIA XXXX XXXX XXXX/XXXX/202 ; XXXX XXXX XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-15
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)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to block any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX Balance - ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$10000.00} ; XXXX XXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXX {$750.00} ; XXXX & XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX XXXX {$2300.00} ; XXXX, XXXX XXXX XXXX {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX on XX/XX/XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX
Consumer complaint received 2021-06-16
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2019-07-16
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. (UT)

XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. This account is past the statute of limitations in Utah and should no longer be on credit. I do not owe this debt and it should be removed.
Consumer complaint received 2019-09-25
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. (FL)

I was sitting at home and I receive an alert that my credit report changed on Transunion, I looked immediately on XX/XX/2019 right away, my credit card shows Chapter XXXX Bankruptcy, I never filed bankruptcy, I am current with my payments, have never been late. I called Total visa on XX/XX/2019 and explained to them what happened, they indicated they do not have anything showing Bankruptcy, and nothing was submitted to the credit bereaus. The representative stated she would email me proof that nothing was done to my account, and never did, she indicated that I would receive it in two day and never did. Transunion stated that there is a letter but refuses to give it to me. I am not in bankruptcy nor have I started one. I explained this to them, argued with them, asked for proof, I have all my statements and my card is current and still active. on XX/XX/2019 I received transunion report, dated XX/XX/2019 saying they were upholding the bankruptcy, this is fraud, they refuse to remove it.
Consumer complaint received 2022-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Purchased a used vehicle from XXXX of XXXX XXXX in XX/XX/2021. Did everything online and via phone to secure the deal. Was an all cash deal. Asked for the total to purchase cashiers check to buy vehicle and proceeded to buy the check for the amount. Was picked up by salesperson and driven to bank without having set foot in dealership. Arrive at dealership with check and informed that I have to pay more. I was manipulated into paying XXXX dollars more from my debit card or else I could not take the car. I was also told that if I wanted to purchase cooling off insurance, I would have to pay up front the deductible as well as the premium and Also a XXXX dollar restocking feebefore I even were to use the policy and which was non refundable.. I had wanted the policy but that added extra exorbitant cost prevented me from doing sowhich is a shame as the car was bad from the start and I would have availed myself of it the dealership has stalled and ignore me and caused me undue stress and hardship. 

Thats not even my signature on the contract cancellation option agreementI refused to sign so she forged it