davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I am a 30 year customer with Bank of America with personal and business checking and savings accounts. In XX/XX/year>, I was instructed by BoA phone support that I needed to go to a branch to change my XXXX Bank Relationship which requires {$20000.00} combined balances to avoid $ XXXX/month fee as I had moved excess money out of the bank to take advantage of higher interest rate products elsewhere. 

I met with XXXX at XXXX XXXX XXXX XXXX in DC on XXXX XXXX or XXXX, explaining I wanted to reduce fees. He removed me from XXXX Banking, we discussed what is needed to keep fees low, and he spent some time on the phone with corporate to insure that all of my connected accounts would still apply for minimum balances. He was concerned that it wouldn't be and was told that they would. He did his due diligence and it appears someone at corporate gave him wrong information. 

I began getting charges on 2 savings accounts and a checking account -- -totalling $ XXXX/month -- -more than the {$25.00} I was previously incurring. I returned to the bank branch on XXXX XXXX and was transferred to XXXX XXXX, who tried to sell me on Merrill investment products and returning funds to the bank. He shared that these were the charges. I requested refunds of the account charges from XXXX forward as I had relied on what XXXX had represented to me and I closed the two savings accounts to boost the minimum balance in the checking accounts. XXXX XXXX told me he could not refund the account fees, but would have the bank manager call me who could address that. 

XXXX XXXX called and left me a voicemail that afternoon asking that I return her call at XXXX. I attempted to do so on a number of occasions and the number rings and rings before disconnecting. I also tried the branch number which went to an automated system and said that no one was available. 

Today, I spoke with " XXXX from Texas '' at BoA customer support. He was able to refund {$14.00} fee for XXXX and XXXX on the checking account, but could not refund XXXX. He also shared that he could not refund fees from the savings accounts since they were closed. 

I would like assistance in getting the additional fees that were charged following my appointments with XXXX to match the representations he and the bank made at that meeting.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Simultaneous examining my updates, the wrong information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I sent a letter to the Equifax Credit Bureau but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any evidence provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports :
Consumer complaint received 2017-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (CA)

I am behind on my mortgage, but I am still making a payment and have managed to stay mostly 1 payment behind. I have been receiving letters and statements that are inconsistent, so not reflect my payments, contradictory and most recently threatening to initiate foreclosure proceedings on X/XX/17 for an amount which is unclear to me. For example, my XX/XX/XXXX statement shows no payments made, but I received several 4 letters dated X/X/17 saying that a payment of {$950.00} was received, 1 letter dated X/X/17 saying a payment of {$980.00} received & a letter also X/X/17 saying that a payment of {$960.00} was received. These payments are not reflected in a suspense account or any statement I received. I received a package dated X/X/17 for assistance saying I am 31 days late, contradicting the payment letters & statements. I then received a letter dated X/XX/17 saying I was in default & needed to pat {$2000.00} by X/XX/17 or foreclosure proceedings will begin. It is unclear to me what amount I owe, why payments have n't posted on my statements & why my past due days are inconsistent. I have also been charged legal & property inspection fees that do not seem justified.
Consumer complaint received 2022-12-16
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: EQUIFAX, INC. (ID)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2023-04-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (IL)

Hello, my name is XXXX XXXX XXXX XXXX a victim of identity theft my ex-girlfriend child mother. 
Name is XXXX XXXX stole my identity to purchase a vehicle and used my identity as a co borrower ; I did not give her or anyone to represent me or pretend to be me, I tried resolving this matter directly with Credit Acceptance Corporation but with no luck, all they are interested in is collecting there money which the balance is {$6900.00} this is affecting my life and lively hood Iam facing homelessness I am not able to apply for a loan, furnish an apartment or even finance my own car. 
therefore, can you please intervein this matter ASAP? 
Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2022-05-18
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)

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$8200.00} ), XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$810.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$1500.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$9800.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$220.00}. Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/1985 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TRANSUNION FILE # XXXX I did not authorize nor consent to the following inquiries being furnished on my consumer reports 1. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX 2. XXXXXXXX XXXX XXXXXXXX 3. XXXX XXXX  XXXX 4. XXXX XXXX - XXXX 5. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX 6. XXXX XXXX XXXX  XXXX 7. XXXX  XXXX - XXXX 8. XXXXXXXX XXXX XXXXXXXX - XXXX 9. XXXX XXXX XXXXXXXX - XXXX 10. XXXX XXXX XXXXXXXX - XXXX 11. XXXX XXXX XXXXXXXX 12. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 13. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XXXX 14. XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 15. XXXX XXXX XXXX I am sending over copy of IDENTY THEFT CASE AND WOULD LIKE ALL INQIUIRIES REMOVED ASAP
Consumer complaint received 2019-11-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC. (UT)

I have been getting harassed by IQ Data international. They call me constantly saying I owed some debt from my previous apartment. I contacted the apartment complex and they said I did have an outstanding balance, however they did not know who this company was. 
I then explained to them that in the state of California, it was illegal for them to charge me for general maintenance which is what I was being charged for. They agreed and stated I did not owe the balance. However, this company continues to harass me and now they are taking up a collection on my credit. They are an immoral and vicious company
Consumer complaint received 2022-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2022-05-16
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company (TX)

I was awarded the property in a divorce in XXXX. I provided Freedom Mortgage a copy of the divorce decree. They allowed my ex-spouse to change the mailing address, email address and phone number on the account to his information. They increased my escrow and monthly payment without notifying me, as they notified my ex-spouse. I continued to pay the amount I was aware of. They are now reporting two 30-day credit marks on my credit report due to the error. This is unfair as I was not made aware of the change in status of the payment ; therefore, I was not able to make the full payment amount. This would fall under UDAAP as they reported to my credit without proper notification of the increase in the payment amount.
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-03-28
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. (AZ)

XXXX XXXX still is not reporting correctly to experian. Account is paid in full. They are reporting negatively on my report for over almost a year. Never updated anything. I believe experian is not investigating at all. All they have to do is call XXXX XXXX like I did and get the facts correctly. XXXX XXXX already said to me that they will get it reported correctly, but experian is lying to federal agency and myself and most likely others across America for centuries. This behavior needs to end now.
Consumer complaint received 2022-05-18
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: CRESCO CAPITAL INC. (FL)

CFPB Write up n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I found wrong information in my credit report. 
XXXX XXXX XXXX XXXX  opened credit account on my name in XXXX  for XXXX $ I never opened it. The Bank just used my identity illegally. I called to this Bank and found out that this bank doesnt exist. No answer, my friend went to the address they gave online and didnt find them. 
I hired XXXX XXXXXXXX XXXX agency to help me to resolve this and they couldnt. Then I wrote letters to Experian and gave them explanations and police report about identity theft and they didnt delete it. I had dispute with no result. Please, help
Consumer complaint received 2022-12-16
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. (IL)

Company 's Response Thank you for submitting your dispute on XX/XX/2022, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX. In your dispute you indicate that a consumer reporting agency can not furnish an account on your credit report without your written instructions. You are requesting these items be removed. Per your request to conduct a reinvestigation, we contacted the data furnisher ( s ) for disputed items on your XXXX credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the remaining disputed information was accurate as reported. Other aspects of the disputed item ( s ) may have also been updated by the data furnisher ( s ). The result summary was sent to you for review on XX/XX/2022. According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source and notifying them of the dispute and disclosing all relevant information regarding your dispute. 

You told me that the companies verified the accounts. I need to know the person and department that verified along with their position and their contact information. I will give you 15 days to get this information. I will have to litigate if the information i am requesting is not given to me or either you remove all of the information that is violating my consumer rights.
Consumer complaint received 2021-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (IL)

Radius Global Solution LLC, XXXX XXXX XXXX XXXX, MN XXXX. Has been sending me collection notice balance {$550.00}. The collection has reported as a pass due balance. I dont know this company. I have never done any business with this company. This company doesnt have a contract with my signature.
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (GA)

I was in and out the XXXX XXXX XXXX XXXX XXXX, so I wasnt actively paying attention to my bank activity nor did I realize my card was stolen because I was inside & only making purchases online where I was using my saved card details. A little over a week ago I was alerted that my account was in the negatives which made zero sense to me so I called and and had a discussion with my bank. After reviewing some charges I seemed there was multiple out of state charges so I called my bank and we filed a dispute, they told me to give them 10 business days to find a resolution. On the 9th business they closed they dispute and told me they didnt find an error which is impossible because I was not in Florida XXXX I have doctor appointments to prove and hospital records. 


The charges are here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-28
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 62 A states I have a right to privacy.

15 USC 1681 section 4 A section 2 It also states a consumer reporting agent CAN NOT furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX has clearly violated HIPAA law in my case. They have my personal information aka medical procedures, too much PMI for a third-party company. I have no relationship or agreement with this company. 

They sent me the attachment.
Consumer complaint received 2021-11-12
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. (PA)

listen I have reached out via phone, mail and the CFPB and yet I am still being violated. These accounts are inaccurate and effecting me negatively. I have not benefited from any of these companies nor accounts and demand that they are deleted.By law you had 30 days to respond and I have heard nothing not a peep. I need this situation handled like yesterday my attorney generals office has informed me to report one last time before starting legal help.