davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-10
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. (MA)

On XX/XX/XXXX, I traded in my previous lease in which was a XXXX XXXX XXXX, with the dealership, and got a new lease ( XXXX XXXX XXXX XXXX ). The account for the XXXX XXXX XXXX was then closed. I did not have any payments left on that car because I traded it in with the dealership for a new lease. I made the first payment for the new lease in XXXX with the dealership. And of course all of the subsequent months until present. In the month of XX/XX/XXXX, I paid my bill on the XXXX, ( for the XXXX XXXX XXXX ) the payment was applied ( not by choice ) towards the XXXX XXXX account that was closed in XXXX. I do not know if it could have been an error caused by the dealership or the bank. But as stated above, the account for the previous car was closed in XXXX when I traded it in. After many phone calls, and fights over the phone, I spoke with someone that was able to reallocate my payment from the account that was closed and applied towards the correct account, the XXXX XXXX XXXX XXXX. I have all proof needed to show payment was made on time and in the right month. But the Bank did not want to transfer it back to the correct account. This was then reallocated on XX/XX/XXXX ( 2 months later ). I paid every single car payment on time. The bank were the ones who reallocated only on a later date. There is no reason for the bank to report my account as " Delinquent ''. This has impacted my credit immensely. Making it very hard for me to do anything with poor credit, that was once very good. I would appreciate any kind of help to get that off of my credit report, since I have been paying every single on time.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Dear cfpb I am writing to file a formal complaint against Bank of America regarding unresolved repayment issues. Despite numerous attempts to rectify the situation, I have been met with insufficient responses and a lack of assistance from the bank. 

I have diligently attempted to make payments towards my account with Bank of America, but due to unforeseen circumstances, I have encountered difficulties in meeting my repayment obligations. Despite reaching out to Bank of America on multiple occasions to discuss alternative repayment options or to negotiate a manageable payment plan, I have received little to no cooperation from their representatives. 

Furthermore, the lack of communication and support from Bank of America has only exacerbated the situation, leaving me feeling helpless and frustrated. Despite my best efforts to resolve this matter, I have been left in a state of financial distress with no viable solution in sight. 

I believe that Bank of America has failed in its duty to provide adequate assistance and support to customers facing financial hardship. Their unwillingness to work with me to find a feasible repayment solution is unacceptable and goes against the principles of fair and responsible lending. 

Therefore, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and intervene on my behalf to ensure that Bank of America fulfills its obligations to assist customers in need. 

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution to this issue. 

Sincerely, XXXX
Consumer complaint received 2021-09-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OR)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2022-08-11
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: DISCOVER BANK (CA)

XX/XX/2022 - Purchased baseball glove from XXXX XXXX store via XXXX ad for {$91.00} using Discover card via XXXX. ( XXXX only option ) XX/XX/2022 - Received order confirmation XX/XX/2022 - Replied to email on shipping confirmation for status update. Received email delivery failure message. Realized it was a fake site name, opened a dispute with Discover Card and XXXX XX/XX/2022 - Received email from XXXX stating unable to help, contact Discover XX/XX/2022 - Received email from Discover for temporary credit applied to account XX/XX/2022 - Received email from Discover stating case is closed in favor of the merchant and {$91.00} charge applied to account. Email included supporting documents provided by XXXXmerchant with USPS tracking number with delivered status displaying only city and zip code XX/XX/2022 - Contacted Discover via phone to inquire about next steps. Was told by agent to create case with USPS and provide evidence package was not delivered to address listed on order confirmation XX/XX/2022 - Created case with USPS. Local USPS supervisor contacted me via phone and informed me to visit office with proper ID, showing my current address and he would provide image of package with tracking number from XXXXmerchant and full address. 
XX/XX/2022 - Received image from USPS supervisor taken by mail delivery personnel of package with tracking number and full address. ( not mine ) XXXX - Uploaded image to Discover card dispute case XX/XX/2022 - Received email from Discover card stating information provided was already considered and charge was still valid. 
XX/XX/2022 - Contacted Discover and was informed they could not do anything for me, even with the supporting evidence the package was not delivered to the address listed on the order confirmation and XXXX invoice. Agent suggest I use another service to fight this dispute.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2019-03-07
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. (NC)

I recently received a copy of my credit report where I disputed a collection account with XXXX XXXX XXXX XXXX XXXX  the credit bureau stated they had verified the information as accurate however I received a copy of the itemized billing and signed contract today and their are several i issues which require the item to be removed from my credit file 1. The name of the collection company on credit file is XXXX XXXX XXXX however the name on the letter of validation has XXXX XXXX XXXX 2. I also received the same paperwork from another collection company name of XXXX XXXX 3. One set of paperwork have the name and signature for service as XXXX XXXX the other has the name as XXXX XXXX but signature page as XXXX XXXX it is clear this paperwork has been tampered with and or altered 4. Why is two different companies attempting to collect on the same bill it clearly the same account number on all paperwork 5. The signature page doesnt give the collection company any rights to contact or collect from me I do not have a signed contract with them 6.since the original hospital contract states Arbritraction Mediation and Arbiter Mediator ... ..They are in breech of the contract by assigning it to a collection company 6. Also the billing information provided is in violation of the HIPPA policy as the lab work testing and information should remain private
Consumer complaint received 2017-09-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (MD)

I have never entered into a contract with this company. The organization that they are collecting for I have never herd of as well as never attended their program. The address they have on file is not mine and is a XXXX XXXX in another state that I have never lived. The coments states it was included in chapter XXXX bankruptcy. It shows a high/limit of {$380.00}. This is not my account and this collection agency has failed to validate alleged debt.
Consumer complaint received 2022-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

n accordance With the fair credit reporting act XXXX  Account # XXXX has violated my rights. 

15 u.s.c., 1681 section 602A. States I have the right to privacy 15 u.s.c., 1681 Section 604A. A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2021-07-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Account Resolution Corporation (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2019-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2019, I deposited a check with JP Morgan Chase in XXXX, Texas. The check was my payroll check from the XXXX XXXX. The check had a small tear from when we opened it on the bottom perforated envelope, but I included all parts of the check in the deposit. The bank accepted the deposit and I went my way. 


I learned two days later, that Chase had put a 'hold ' on the check. I later, on XX/XX/XXXX, got a letter from Chase- their first correspondence or notice, that a hold had been put on the account because they 'were n't sure the check would be cashed by the issuing bank ''. 

I called Chase on XX/XX/XXXX, a recorded call, and was told the bank was holding the check 7 business days- 12 days in total, to see that it cleared. 

I contacted XXXX on XX/XX/XXXX and explained what had happened, asked them to stop payment on the original check and reissue. They had me fill out a form and went to work on getting me a new check. 

Later that day, XX/XX/XXXX, XXXX sent me a note explaining the check had already been cashed and funded by XXXX, and sent me a copy of the Chase/XXXX  transaction completed on XXXX XXXX the day after I deposited the check. 

I sent Chase a secure message on XX/XX/XXXX noting they had the funds, that their reason for 'holding ' the deposit was moot since the bank had cashed the check before they even mailed me their letter. I asked again, as I did on XX/XX/XXXX, for interest for them holding my monies and that they release the check to my account. 

At this point I am filing a complaint for Chase illegally holding these funds, lieing to me about the process and why and refusing to release my funds. I want my funds, interest and whatever penalty I am due.
Consumer complaint received 2018-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (HI)

I had a XXXX XXXX XXXX XXXX credit card. Due to financial hardship I was unable to make payments which caused my account to go into collections. I have made numerous attempts to reach out to XXXX XXXX to settle my debt. It has been years from when I have opened the card and this still shows on my credit report.
Consumer complaint received 2021-07-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2021-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To Whom It May Concern : I believed BofA had committed a fraud on my EDD Benefit Payments. 

On ( XX/XX/2021 ), EDD had paid me 4 ( {$1500.00} ) and 1 ( {$750.00} ) benefits payments to my BofA Card. On the same day, BofA emailed me that 1 ( {$1500.00} ) and 1 ( {$750.00} ) was denied????

I called BovA, they told me that the rest of the payments will be deposited later because BofA wont allow too high of a payments transferred in one day. 

As of today, ( XX/XX/2021 ), Bank of America, still hasn't direct deposited the missing payments of 1 ( {$1500.00} ) and 1 ( {$750.00} ) from my last EDD payment. 

I checked my XXXX XXXX XXXX  deposit, still ONLY, 3 ( {$1500.00} ) was deposited from the ( XX/XX/2021 ) payments. 

* Missing 1 payments of ( {$1500.00} ) and 1 payment of ( {$750.00} ) have NOT been direct deposited to my XXXX XXXX  account. 

I had received 1 ( {$1500.00} ) deposited ( XX/XX/2021 ) BUT is for this week EDD certification, NOT ( XX/XX/2021 ) payments. 


help, XXXX XXXX
Consumer complaint received 2021-11-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Automated Collection Services, Inc. (TN)

I was reviewing my credit report and noticed that this company has reported that I owe them money. I do not know who this company is and neither have I ever done business with them. I never received any communication from this company prior to placing this on my credit
Consumer complaint received 2018-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (FL)

Lexis Nexis XXXX XXXX XXXX. XXXX XXXX XXXX GA, XXXX I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished Lexis Nexis regrading all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SS XXXX DOB XXXX XXXX This is an ongoing issue I have to file a report with XXXX Ohio Police Dept . I am no longer living in Ohio. Some one has access my personal files and taken out accounts for business in my name..
Consumer complaint received 2018-01-29
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. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I appreciate the time taken to address the fraudulent entries in my file resulting from alleged fraudulent activity. However, there remain outstanding items that require attention. Upon reviewing my updated personal credit report, I observed unauthorized credit inquiries and erroneous personal information persisting. I have already contacted the respective companies to request the removal of these inquiries from my credit profile. Furthermore, I previously requested an investigation into the inquiries listed below on my credit report. I understand your investigation has concluded, confirming my allegations. Therefore, I kindly request the removal of these unauthorized inquiries and the issuance of an updated credit report reflecting their removal. Please send the updated report to the provided address : XXXX : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XX/XX/XXXXXXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- -- XXXX XXXX -- XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- XXXX -- -- -- -- TRANSUNION : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. As per the Fair Credit Reporting Act Section 605B ( a ), you are required to remove any items opened without my knowledge, consent, or authority within four business days, along with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by the consumer; and ( 4 ) a statement from the consumer confirming that the information is not related to any transaction made by the consumer. I will provide my Driver 's License, SS ID, and Proof of Billing as verification of my sole address, along with my new FTC report # XXXX.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (NY)

Account XXXX XXXX Caliber Home loans still reports the account as unpaid and or late. The account was Refinanced by my Ex Wife. Caliber Home Loans refuses to correct my Credit Report to show that the mortgage was PAID IN FULL
Consumer complaint received 2019-03-07
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: BBVA FINANCIAL CORPORATION (FL)

My auto loan with BBVA Compass Bank has missed payments. After some hardship, I caught up on payments and have made on-time payments with no late payments since. I appealed to BBVA Compass to remove the late payment remarks out of goodwill to help my credit. This assistance will help me in building proper credit and continue with my responsible habits.
Consumer complaint received 2017-07-28
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (GA)

My credit report is still reflecting late payment, however, I was modified and have been current on my loan for awhile now. Creditor agreed to remove all late payments with one being a bank error. Creditor keeps delaying the update although they have promised multiple of times.
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have 2 addresses that were never mine reporting to my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX