davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Approximately XXXX of 2019 I requested that Bank of America would correct the late payments showing on my credit bureau for both of my credit cards with them one XXXX  and one XXXX because had autopay. The autopay worked for a couple of payments then stopped. There was an account number change that could have been the reason for the autopay being removed but it is Bank of America 's responsibility to reinstate the same services I had on the accounts. 

When I noticed there was no Autopay a couple of months later, I called and requested to reinstate autopay and correct the late payments. The representative reinstated the autopay and refunded the fees but failed to correct the late occurrences on the accounts. 

I requested a loan to pay off my debts today and the bank gave me a copy of my credit bureau. Both of the Bank of America cards XXXX and XXXX are showing late payments and furthermore ; are not showing as a current payments and in good standing. These two account do not appear in my current accounts. They both show up under derogatory accounts and not showing under current accounts. These two accounts I have had with Bank of America for over 20 years. 

There has been previous account number changes but never closed and reopened. The late payments and the way it is reporting on my credit bureaus is negatively impacting my credit score and credit history. I have autopay on all of my credit cards to avoid this. 

I just spent over an hour attempting to contact them through their customer service phone number. Only to speak with a representative named XXXX from New York to tell me I have the wrong department and put me back into the general Queue which doesn't give an option for disputing erroneous information reported on the credit bureau. This make is appear as though there is no accountability on the part of Bank of America to make this right. They collect fees but have no contact available through their automated system to contact this department.
Consumer complaint received 2022-02-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

Forged Check in the amount of {$8400.00} was drawn on my business BB & T ( now Truist ) account on XX/XX/2022. 
I knew it was fraud immediately because we have not done business with that vendor in many months. 
In addition, the amount of the check was approximately eight times the normal transaction amount. 
I submitted an " AFFIDAVIT OF FRAUD '' on XX/XX/2022. 
I have a Claim Number from BB & T ( now Truist ) and have called several times for updates and there has been no progress.
Consumer complaint received 2018-12-27
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: Experian Information Solutions Inc. (FL)

I am attaching a copy of the investigation request I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond inside of 30 days, but have not. I have also sent a follow-up letter, which has also gone ignored.
Consumer complaint received 2022-08-30
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. (NJ)

On XX/XX/XXXX and XXXX and XXXX, 2022, I sent letters all three credit bureaus asking for them to remove bankruptcy off my report. They somehow claimed they verified accurate information yet, failed to respond to my questions of their methods of verification. XX/XX/2022 I resent letters certified with tracking numbers # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022, I went to the courthouse asking do they report bankruptcies to any credit bureaus and they immediately said no and gave me correspondence stating that US Bankruptcy Court do not report or provide information to credit bureaus or any other agencies. XXXX sent me an opt out letter stating they protect my information. So, if thats the case, how did the credit bureau verify a bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 U.S.C. 1681. 15 U.S.C. 1681 section 603 ( 3 ) ( E ) States ; the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency. When was such information obtained? You have violated my rights numerous times. You have violated my given rights under 15 U.S.C. 1681. According to 15 U.S.C. 1681 section 602 A. States I have the right to privacy. According to 15 U.S.C.1681 section604 A. Section 2 : A consumer reporting agency can not furnish an account without written instructions. According to 15 U.S.C. 1681 s-2 ( A ) ( 10 A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (MA)

I XXXX XXXX would like to negotiate my remaining creditors and avoid filing for a Chapter XXXX  bankruptcy. I request the following conditions be part of my negotiation process as part of my rights under the Fair Debt Collection Practices Act. My conditions are as follows : 1 ) All calls to my home, cell and work cease and desist immediately. 
2 ) That all correspondence be by direct mail to my home or by email to XXXX. 
3 ) That a reasonable offer in compromise or lump sum settlement be offered. 
Thank you for your consideration in this matter. 

XXXX XXXX
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: OLD NATIONAL BANCORP (TX)

I had monthly automatic payments using my First Midwest checking account. When Old National took over, my bill payments don't show up on my online banking. 

I have no control over the payments now. I want to stop making payments to an account that has been paid off, but the auto payments continue. I have no way of stopping this. 

Calls to the one number Old National provides have wait times longer than one hour, according to their phone announcement upon calling. I waited 90 minutes and my call was dropped when an agent finally picked up. Emails go unanswered, and their online " chat '' comes up blank. 

Terrible customer service, and obviously poor planning for the takeover from First Midwest.
Consumer complaint received 2019-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019 I contacted Chase to reject their proposed arbitration terms. Chase refused to accept my rejection. I followed up several times, but Chase continued to refuse to accept my rejection. On XX/XX/2019, I asked Chase to justify its refusal. Although I was informed I would receive a response in 24 to 48 hours after my XX/XX/XXXX inquiry, I never did. I inquired again on XX/XX/2019, and Chase 's responded as follows : " We apologize for the delay in our response concerning your arbitration agreement inquiries. [ NAME ], upon checking, we are still reviewing your inquiry. We'll get back to you as soon as we have the resolution. We sent a follow up to the appropriate team. They will respond to you directly as soon as possible. '' That was almost two weeks ago.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

U.S. Code 15 U.S.C. 5 1681 Section 604 of The Fair Credit Reporting Act According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all Information that is inaccurate, Incomplete, or which can not be verified. 

15 US.C, 1602 ( g ) 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) 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 Which is a {$1000.00} per violation
Consumer complaint received 2023-09-17
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. (FL)

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. 

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 2022-04-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (GA)

In XXXX, received a letter from XXXX XXXX XXXX and XXXX XXXX XXXX decreasing my credit limit on my credit cards stating that the received information from the credit bureaus ( XXXX, XXXX, Experian ) that lead them to make this decision. I never authorized for this pull on my credit report, I requested to be opted out of sharing my personal information
Consumer complaint received 2022-08-30
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 (TX)

Our Wells Fargo card was used fraudulently on XX/XX/22 at a vendor called XXXX XXXX for XXXX purchases totaling {$7900.00}. My complaint ( besides not yet being reimbursed for the fraud ) is that Wells Fargo has told us they've " looked into it '' and done " research '' when they haven't. I've been told multiple times by both the vendor and police that they have not been contacted by Wells Fargo. 

Here is a timeline of events documenting our experience : XX/XX/22, XXXX - Purchased gas at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XX/XX/22 XXXX XXXX - Received notification from XXXX of a suspicious purchase at XXXX XXXX for {$7900.00}. Reported as fraud and transaction stopped. 

XX/XX/22 at XXXX - Received notification from Wells Fargo of a suspicious purchase at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX for {$4000.00}. Reported as fraud and transaction stopped. 

XX/XX/22 at XXXX - XXXX XXXX transactions approved earlier by Wells Fargo XXXX XXXX XXXX XXXX, XXXX {$3700.00} and XXXX {$4200.00} totalling {$7900.00}. Immediately reported as fraud. Claim was denied by bank because Wells Fargo thinks the chip was used during these transactions. 

XX/XX/22 at XXXX - Police report submitted at XXXX Police Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. XXXX XXXX. XXXX. 

XX/XX/22 at XXXX - Called XXXX XXXX to ask about the incident and to request any evidence they had of the transaction. Spoke to XXXX XXXX at XXXX and was told to call back the next day after they get information from their accounting department. Informed that video footage is overwritten every 30 days so they no longer have that. 

XX/XX/22 at XXXX - Called XXXX XXXX back. Was told that Wells Fargo needed to contact them directly for the receipt information. 

XX/XX/22 at XXXX - XXXX Wells Fargo and spoke to case XXXX XXXX XXXX XXXX ext. XXXX and fraud department to have case reopened. Informed them they needed to contact XXXX XXXX directly for information. 

XX/XX/22 at XXXX - XXXX Wells Fargo Customer Service to ask when the transactions occurred, they do not have that information. 

XX/XX/22 at XXXX - Called XXXX at XXXX XXXX  to follow up/make sure Wells Fargo and Police have contacted them - no one has contacted them.
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FlexShopper, Inc (NY)

I never requested or submitted an application to XXXX XXXX I never Received a card at my address which lead me to discredit the callers calling about any collections on this account valid. I never Bad established credit or had ever been approved for a credit card until 2019 when I applied For a secured credit card. Prior to this I was Always denied. I never Had a credit card prior to this or to my knowledge was ever given the opportunity. If this collection or debt is valid then it was not done by me and if so it was impossible since I never received any card or evidence by mail it would be physically impossible! 

I also never received any type of service from FLEX SHOPPER. 

I have e-mails where I had finally been lead to believe they accepted my situation where I never ordered or received any of their products that had been suggested I ordered Regardless I never Received any such item at my address or I would have refused or returned such items I had No clue of. After Flex shopper conducted their own extent of investigating this they concluded that everything I had told them to be true and would refund this apparent account I had. I assumed that would suffice and that would be the end of it. I had Never heard of the company before and I explained all this to them. They acknowledge this in this emails and here I am Years later still trying to provide my supporting documentation years later to be relieved of these false reports which are unfair but completely inaccurate.
Consumer complaint received 2022-08-30
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. (TX)

XXXX, Experian, XXXX XXXX XXXX adjusters refuses to verify nor validate their alleged account They do not have any contracts from original creditor with my signature and no contract with them with my signature they have NOTHING this last letter they sent through the CFPB dated XX/XX/2022 XXXX shows they want me to lie and say it was fraud I will not comply with their wishes { temporary fraud status } places NO .I have request through the CFPB 3 times on this alleged account and can not get any valid information enclosed is their letters, copy of bills no contracts no signatures. the way I see it they have no proof of anything. I have the right to request to them in writing what I want under the U.S.C. codes listed in my letter and complaints THEY REFUSE
Consumer complaint received 2024-01-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: E Mortgage Capital, Inc. (MO)

In XXXX XXXX I started the process of refinancing my mortgage debt consolidation knowing that my interest rate would go up. I explained the the mortgage expert several times, and was told over and over, my payment would be {$1800.00} and some change. When I got my first statement, I owed {$2300.00} and some change due to escrow charges such as insurance, taxes, etc. I was NEVER told that my payment would exceed {$1800.00}. I tried to call the company and after much time finally got a person. That was almost impossible. She explained that this is my payment every month for the life of my loan. I tried emailing the person who sold me this and received no response.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

I am writing to file a formal complaint regarding a concerning and ongoing matter involving XXXX XXXX The essence of this complaint pertains to the violation of my consumer rights and fair lending practices, as well as the mishandling of a billing dispute, which has had a detrimental impact on my financial well-being. 

On XX/XX/XXXX, I received a notice from XXXXXXXX XXXX, notifying me that my credit card account, ending in XXXX, was past due by {$30.00}. This notification was both shocking and perplexing, as I possess substantial evidence demonstrating the absence of any overdue payment on my part. 

This dispute originated from a billing error resolution case that dates to XX/XX/XXXX. Since then, the situation has escalated, culminating in my case being elevated to the office of the president at XXXXXXXX XXXX. However, despite my concerted efforts to rectify the situation and provide evidence supporting my position, I find myself unfairly targeted. 

In response to this situation, I have not conducted any transactions on my credit card account since XX/XX/XXXX. Subsequently, when I initiated a fraud claim, XXXX XXXX  deactivated Card ending XXXX, which was originally associated with the alleged debt. They then proceeded to issue a different card, which I never received. Subsequently, they expedited the delivery of Card Number : XXXX, a card that remains inactivated due to the ongoing dispute.

My primary contention is that, under the Fair Credit Billing Act ( FCBA ), my rights have been systematically undermined. I initiated a dispute on XX/XX/XXXX, ( Case # : XXXX ), asserting that the entire balance is erroneous and should be disputed. In adherence to the FCBA, XXXXXXXX XXXX was required to provide provisional credits. Regrettably, they did not do so. Instead, they intermittently provided and subsequently removed these credits, which contravenes the requirement stipulated in Section 1026.13 of the FCBA. This section necessitates the completion of the dispute settlement within 90 days, and creditors are prohibited from attempting to collect any disputed amount beyond this period. 

Furthermore, my credit score has been adversely affected due to XXXX XXXXXXXX XXXX actions, resulting in a drop of XXXX points. This stems from their unjust reduction of my credit limit from {$1500.00} to {$300.00} amid a heightened dispute, a measure I deem punitive and in violation of our contract.