davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-20
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

A Bank of America ATM card, issued to bank patrons, allowing a customer to access their accounts stopped working in B of A ATM machines. The card did work at the banks inside teller Windows. My branch tellers thought that strange and advised me to call the B of A telephone number on the back of the card since the card was not damaged and did work if I entered the bank. I called number on the back of the card and was advised that the account was active and that problem should not happen and they would replace the card for a {$5.00} fee. Since this card was originally issued by B of A when opening my account and thru no fault of mine the card no longer worked, B of A should replace the card instead of passing on an ever growing number of fees costing the consumer excessive financial burdens. As an additional note my local branch advised me they were getting numerous complaints from customers regarding excessive fees, that they as a branch had no control.
Consumer complaint received 2020-03-03
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE FRAUDULENT ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY THIS INDIVIDUAL TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE FRAUDULENT ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.
Consumer complaint received 2016-12-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

XXXX added a mortgage on my credit report that belongs to my mom. I have provided the proof necessary to remove this off my credit and Equifax failed to read and correct the information. 
The mortgage was originally with XXXX, and XXXX confirmed my name was not on the mortgage, The attached documents clearly prove that my name was released from liability of this loan. Please have equifax remove this information from my credit report asap or i will file a claim to sue them. this is my 3rd request to equifax. 
thank you.
Consumer complaint received 2016-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

In complaint # XXXX and others I proved what Select Portfolio and XXXX XXXX call a modification was actually a cash out refinance loan, and I was never given any RESPA documents showing where the funds were dispersed and never given a 3 day right of rescission as per required by Federal law. 
This cash out refinance was done on XXXX/XXXX/XXXX, which would be the day that my right to rescind would start. 
SPS has finally quit trying to deny paying off any other loans ( XXXX actually paid off my then first mortgage with XXXX Mortgage, without my knowledge or permission, but they are trying to claim that my right of rescission was effective from XXXX when I took out my original loan, which was with XXXX. 
How they can assert this is beyond me, because the cash out refinance of my XXXX loan was done on XXXX/XXXX/XXXX, not XXXX. 
I rescinded the loan in XXXX XXXX, which is well within the 3 year right of rescission that SPS admits exists. Therefore, I again demand that my loan be rescinded. I also demand that the CFPB take enforcement action against these RESPA violations.
Consumer complaint received 2016-05-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Kansas Counselors, Inc. (KS)

I am receiving automated calls on my cell and at work with the threat of a pending wage garnishment. I have no lawsuits filed against me and no pending wage garnishments. The call says to wait on the line and an operator will help you, but when you wait on the line, the call ends after 30 seconds or so. No one comes on the line and no one identifies the company name in the calls. The phone number making the call is XXXX. I wrote to KCI to dispute the debt they are trying to collect on, and never received a response from them.
Consumer complaint received 2015-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

Experian credit prepared report dated XX/XX/2015 have us filing Chapter XXXX Bankruptcy on XX/XX/2015 and that grievous error was made. We have NEVER filed for bankruptcy on XX/XX/2015.We have had our credit denied several times because of this report from XXXX XXXX .
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Equifax has been irresponsible to correct information on my credit report. I have contacted them by phone, by their web page ( dispute an error ) and by letter. 
I have sent all documents and they still havent change the error. 
This is related with cfpb complain # XXXX about XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

Account XXXX i was mailed a {$15000.00} cashiers check for the close o it if my account and it had bounced. I already submitted a notarized fraud affidavit to Citibank and all the documents they needed. The bank is now stating it is sent it to collections to collect the money and then itll issue me a check if it collects it and itll take up to 120 days. I need my close out check and since the check they sent me was fraudulently cashed Citibank needs to assume responsibility and issue me a new one while they collect from whoever it was cashed fraudulently from!!! Check # XXXX issued on XX/XX/2021.
Consumer complaint received 2020-03-03
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)

Late XX/XX/XXXX, I noticed 2 late payments reporting incorrectly on all 3 Bureaus with XXXX XXXX XXXX and XXXX. I immediately contacted each agency to notify of the error and have the incorrect reporting deleted from my account. The results came back and nothing was done to stop the incorrect data from reporting on my report. 

Regarding XXXX, I have documentation that supports that the account was closed XX/XX/XXXX ; however, a late payment is being reported ( to date ) that I have a late payment reporting as of XX/XX/XXXX. 

Regarding XXXX, I have documentation that supports an on time payment XX/XX/XXXX ; however, a 90-DAY late  payment is being reported XX/XX/XXXX. 

The bureaus are reporting my credit history inaccurately causing me defamation and financial damage. 

PLEASE DELETE inaccurate reportings as this has been ongoing since XXXX. 

Thank you for your time and assistance
Consumer complaint received 2023-03-16
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. (MT)

Dear Consumer Financial Protection Bureau, I am writing to request your assistance in regards to my credit report. There is an item on there that I would like investigated. 

Summary : I made a payment to my credit card company before the due date. The credit card company claims they did not receive the payment and charged off my account. However I have emails showing the due date, the scheduled payment date, and a pdf from my bank showing the ACH withdrawal. My account was charged off even though I made the required payment on the before the due date. 

Original Creditor : XXXX XXXXXXXX XXXX aka XXXXXXXX XXXX  Current owner of Debt : XXXX XXXX XXXX XXXX owed as reported : {$300.00} XX/XX/2022 : I received an email from XXXX XXXX XXXX XXXX informing me that I had a payment due on XX/XX/2022 for the amount of {$320.00}. 

XX/XX/2022 : I received another email informing me that my payment has been received and scheduled for XX/XX/2022 for the amount of {$320.00}. 

XX/XX/2022 : An ACH withdrawal was debited from my checking account for the amount of {$320.00} by XXXXXXXX XXXX 

XX/XX/2022 : Due date, as referenced in the email. 

According to my credit report, XXXX XXXX charged off my account on XX/XX/2022. I never received a notice regarding this action. In fact, I was sent emails informing me of my next due date. 

When I tried to contact XXXX regarding this matter, they stonewalled me and told me they no longer had access to my files and therefore could not discuss this matter. My account should have never been sent to a debt collector. 

It is my belief that this debt violates my consumer rights according to the FRCA. I would like to request that this account be removed from my credit report. Each consumer is entitled to a fair and accurate credit report and this behavior by XXXX strongly violates these statutes. 

Thank you for your attention to this matter. Please let me know if there is any additional information I can provide to assist in your investigation. 



Sincerely, XXXX XXXX
Consumer complaint received 2018-11-29
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. (TX)

Received one letter about results of a dispute in XX/XX/2018 and another for a review of my identification information in XX/XX/2018. This is my THIRD written  request for proof. I am getting notarized right now and cerified mailed today. In the results of their so called re-investigation letter, they stated info was verified and that these items belong to me. Yet they can't even get my name correct so how am I to know WHO they verified? They refuse to send my any proof of what they have. I've sent a copy of my Drivers License and my Social Security Card where my actual legal name is CLEARLY spelled out. Not my sister or any other names.
Consumer complaint received 2022-02-08
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. (CA)

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND LATE PAYMENTS from my credit report immediately.
Consumer complaint received 2018-11-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (WI)

VIOLATION OF THE FINANCIAL PRIVACY ACT : On XX/XX/XXXX18 at approx. XXXX XXXX  CST XXXX XXXX inquired with US BANK about her student account not having any money within it. They removed the funds without her knowledge to pay my loan. The girl who took the call was named, XXXX. She kept telling XXXX ( my daughter who IS NOT ON MY BUSINESS ACCOUNT ) that " your mom ( XXXX XXXX ) is behind on her payments '' telling my personal business to my daughter. 

XXXX VIOLATED the FINANCIAL PRIVACY ACT divulging to XXXX her mom 's PERSONAL BANKING INFORMATION. 

She told my daughter that " YOUR MOM IS {$21000.00} PAST DUE ON HER BILLS ''. 

XXXX knew that I was in a Debt Settlement program, but I wanted to KEEP IT CONFIDENTIAL the amount that I owed. 

XXXX VIOLATED MY PRIVACY RIGHTS by letting my daughter know that I am behind over {$21000.00}. 

This has put a great deal of XXXX on our relationship and embarrassed me, in front of my daughter. This made my daughter see my differently and caused us both XXXX, XXXX and a great deal of unwarranted XXXX. 

I spoke to XXXX, the supervisor at US BANK, letting him know that I wanted to speak with their legal department about this breach of information. He told me that " XXXX '' was XXXXXXXX XXXX Supervisor. They let me know that the conversation was recorded and action would be taken to review the tape and discipline XXXX. I asked to have the legal department get in touch with me, to settle this matter. 

I am going to consult with my attorney about the breach of my rights and confidentiality. 

Please help me in filing a formal complaint in this matter.
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (WY)

Received a letter from CitiBank regarding a credit card that was in a debt settlement program through XX/XX/XXXX. Received a letter XX/XX/XXXX from CitiBank stating they were no longer pursuing the debt and that they might have to issue a XXXX Over the last year, knowing I would take a tax hit for this, I have asked them to XXXX out my account to a debt collector wouldnt see a balance on my credit report and attempt to collect a dead debt as I have been a victim of identity theft starting in XX/XX/XXXX. They chose to take that as I was disputing the credit card as my own, and illegally restarted the debt clock. They have now turned over the debt to a third party debt collection agency. I have asked them to rescind it as it was done illegally as I never disputed the account as my own, that was their employees who did that to reset the debt clock. Also, I have the letter as proof they promised they were no longer pursuing the debt. I dont feel they are doing things in a honorable and legal fashion.
Consumer complaint received 2015-11-24
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: FIRST NATIONAL BANK OF OMAHA (KS)

My husband died XXXX XXXX, 2015. We had a savings account that we deposited our monthly accruals into because it paid a higher interest rate. After XXXX died I took a certified copy of his death certificate and the account was promptly put in my name since I was his POD. On XXXX XXXX, 2015 I successfully transferred {$50000.00} into my checking account to pay for his funeral expenses and XXXX quarterly taxes. I have also received XXXX statements showing myself as owner of the account. On XXXX XXXX, 2015 I tried to transfer {$5000.00} out of that account to pay bills. I no longer receive my husbands military pay or social security. I was denied access so I called customer service. I was told that the problem was " due to my internet browser ''. I called my local branch representative and was told that they " could n't find the signature card and needed to determine ownership ''. Shortly after XXXX fell XXXX XXXX I visited the bank in person as we were each others power of attorney and verified all accounts and that I was in fact his POD. My husband had set up a trust for me naming First National Bank as trustees. My attorney and I fired them for several reasons. I feel like they are punishing me for relieving them of their trustee duties.
Consumer complaint received 2023-03-16
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. (MT)

Dear Consumer Financial Protection Bureau, I am writing to request your assistance in regards to my credit report. There is an item on there that I would like investigated. 

Summary : I made a payment to my credit card company before the due date. The credit card company claims they did not receive the payment and charged off my account. However I have emails showing the due date, the scheduled payment date, and a pdf from my bank showing the ACH withdrawal. My account was charged off even though I made the required payment on the before the due date. 

Original Creditor : XXXX XXXXXXXX XXXX  aka XXXXXXXX XXXX Current owner of Debt : XXXX XXXX XXXX XXXX owed as reported : {$300.00} XX/XX/2022 : I received an email from XXXX XXXX XXXX XXXXXXXX informing me that I had a payment due on XX/XX/2022 for the amount of {$320.00}. 

XX/XX/2022 : I received another email informing me that my payment has been received and scheduled for XX/XX/2022 for the amount of {$320.00}. 

XX/XX/2022 : An ACH withdrawal was debited from my checking account for the amount of {$320.00} by XXXX XXXX 

XX/XX/2022 : Due date, as referenced in the email. 

According to my credit report, XXXX XXXX charged off my account on XX/XX/2022. I never received a notice regarding this action. In fact, I was sent emails informing me of my next due date. 

When I tried to contact XXXX regarding this matter, they stonewalled me and told me they no longer had access to my files and therefore could not discuss this matter. My account should have never been sent to a debt collector. 

It is my belief that this debt violates my consumer rights according to the FRCA. I would like to request that this account be removed from my credit report. Each consumer is entitled to a fair and accurate credit report and this behavior by XXXX strongly violates these statutes. 

Thank you for your attention to this matter. Please let me know if there is any additional information I can provide to assist in your investigation. 



Sincerely, XXXX XXXX
Consumer complaint received 2020-09-10
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)

ALL 3 CREDIT AGENCIES VIOLATED MEDICAL PRIVACY ACT " HIPAA '' REPORTING FRAUD MEDICAL ACCOUNTS, OUTDATE AND NEVER DONE BUSINESS WITH MEDICAL PROVIDER, NOT MY ACCOUNTS
Consumer complaint received 2016-06-03
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Solutions To Portfolios, LLC (TX)

On XXXX XXXX 2016 number XXXX called me back to back XXXX times and when I answered they had me on mute and hung up. They have been harassing me all day. I called back and asked them to put me on the do not call and cease and desist all my numbers. The agent argued with me and told me to go get some education and they would not stop calling me. Now they are still calling me and hanging up back to back.
Consumer complaint received 2017-02-17
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Dynamic Recovery Solutions, LLC (OH)

I am not sure if this company is legit or not. Could be a scam trying to pry personal information from you for criminal reasons. I do n't owe anyone any money so no reason for a collection agency to contact me that is why I am suspicious. Phone # they contacted me from is XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-06
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: DISCOVER BANK (TX)

Discover had a debt collector calling and writing me. I engaged the services of a credit guy and he had me send a letter asking for legal validation. They sent the attached letter saying the statements copies they sent are validation. But as per the law, it was explained statements do not make up validation as per the Fair Debt Collection Practices Act
Consumer complaint received 2015-10-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: DISCOVER BANK (MS)

I received a bill from XXXX XXXX XXXX XXXX at law trying to collect {$10000.00} on an account that there was no judgement on I received a letter from Discover where they advised they were not attempting to collect due to the credit card had XXXX insurances after more than 6 years after the fact I have an attorney writing wanting me to settle on a debt that is not owed and is past the statue of limitations for the state of Mississippi to collect on
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

Dear Consumer Financial Protection Bureau, I am writing to request your assistance in regards to my credit report. There is an item on there that I would like investigated. 

Summary : I made a payment to my credit card company before the due date. The credit card company claims they did not receive the payment and charged off my account. However I have emails showing the due date, the scheduled payment date, and a pdf from my bank showing the ACH withdrawal. My account was charged off even though I made the required payment on the before the due date. 

Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Current owner of Debt : XXXX XXXX XXXX XXXX owed as reported : {$300.00} XX/XX/2022 : I received an email from XXXX XXXX XXXX XXXXXXXX informing me that I had a payment due on XX/XX/2022 for the amount of {$320.00}. 

XX/XX/2022 : I received another email informing me that my payment has been received and scheduled for XX/XX/2022 for the amount of {$320.00}. 

XX/XX/2022 : An ACH withdrawal was debited from my checking account for the amount of {$320.00} by XXXXXXXX XXXX 

XX/XX/2022 : Due date, as referenced in the email. 

According to my credit report, XXXX XXXX charged off my account on XX/XX/2022. I never received a notice regarding this action. In fact, I was sent emails informing me of my next due date. 

When I tried to contact XXXX regarding this matter, they stonewalled me and told me they no longer had access to my files and therefore could not discuss this matter. My account should have never been sent to a debt collector. 

It is my belief that this debt violates my consumer rights according to the FRCA. I would like to request that this account be removed from my credit report. Each consumer is entitled to a fair and accurate credit report and this behavior by XXXX strongly violates these statutes. 

Thank you for your attention to this matter. Please let me know if there is any additional information I can provide to assist in your investigation. 



Sincerely, XXXX XXXX