davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I filed a complaint against Bank of America with the CFPB # XXXX. The problem I always have with this bank is that the employees try to strong arm you into dropping your dispute. They create so many obstacles most people would just give up. 

In this case, I filed a dispute against XXXX and I got into a very heated argument with a Bank of America employee @ XXXX XXXX. She reported to the consumer financial protection bureau that I no longer needed assistance from Bank of America for case # XXXX. Now, that statement is light years from the truth. 

I faxed all the documents to them that was requested of me and before the deadline. So why did this lady report false information to the CFPB? I hope Bank of America will go back and pull our phone conversation that accrued on Monday XXXX XXXX,2017.
Consumer complaint received 2017-11-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American Collection Systems, Inc. (OH) (DC)

The latest date was XX/XX/XXXX ; however call several times daily and weekly looking for daughter. 

Have shared there is no additional information we have to offer and that we do not have contact information. 

Made repeated requests for caller to stop calling. 

Callers also identified that daughter was " running a business out of home connected to number ''. This information is false, inaccurate, and did not request to know nature of call - however this was provided.
Consumer complaint received 2017-11-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

An initial dispute of the items on my XXXX report was made on XX/XX/XXXX. Included in the results of that dispute was an account for Bank of America showing that I owe XXXX. The only validation made for this account is a statement made by the bank that " additional negative activity took place increasing the balance to {$470.00} at the time of charge off. '' On XX/XX/XXXX, a 2nd letter was sent to them asking for the documentation supporting that statement. Their response ( received on XX/XX/XXXX ) is attached ; however, again, no proof of the debt was included ; they simply restated the same thing. Please delete this account from my report in compliance with Section 611 of the FCRA which states unverifiable or inaccurate information must be deleted from that file of the consumer.
Consumer complaint received 2021-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (OR)

On XX/XX/2021 fraudulent purchases and withdrawals were made using my debit card number in XXXX, FL at various ATMs and business '. I was at work at Oregon Dept. of Fish and Wildlife in XXXX, OR at this time and did not make or authorize these transactions. There were 7 transactions in rapid succession. Two withdrawals for {$300.00} and one for {$400.00}. Two purchases were made for {$400.00} and two for {$410.00} and {$410.00}. When the fraudulent charges began happening, I received a call from a person pretending to be the Wells Fargo stating they were calling about the said charges. They attempted to ask for personal information, which I did not give them as I was suspicious having not placed the call myself. When I saw further charges being made, I turned the debit card off using the Wells Fargo mobile app and they ceased happening. I immediately called Wells Fargo and reported the fraudulent charges to open a fraud claim and Wells Fargo stated they would give me a decision in 5 to 10 business days. I then filed a police report with the XXXX Police Bureau and submitted the case number to the Wells Fargo fraud department. The officer who took the report to state the card was most likely skimmed at a gas station or other business recently to obtain the card number and PIN. On XX/XX/2021 I received and email from Wells Fargo stating they had closed my claim on XX/XX/XXXX and mailed a letter with their decision. On XX/XX/2021 I received the letter from Wells Fargo stating their investigation found that the charges were made by me or someone with my permission as the reason they were closing my claim. This was obviously fraud and my card information and PIN were obtained fraudulently and used without my permission to make these transactions and purchases. The speed, location and way in which these transactions happened are clear evidence of this.
Consumer complaint received 2021-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TN)

National Credit Systems has placed a collection on my credit profiles claiming that I owe {$190.00} to XXXX at XXXX. I have never had an account with XXXX at XXXX and this claim is erroneous. I have contacted them 3 times via phone and certified USPS letter asking them to verify this erroneous debt. They have failed to do so. They have not verified it because they can't verify because the debt is not mine.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-31
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 2021-07-06
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. (MA)

On XX/XX/2021. I sent a letter, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-11-20
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: EQUIFAX, INC. (NC)

Sent to Equifax : Thank you for offering Trusted ID, since my information was compromised. I am having a few problems and I ca n't seem to get anyone to help me. 

When I log in to Trusted ID Premier, underneath Credit Lock Status, I see that an error has occurred, and I am told to email customer.care. I get no response. 

When I click on my credit report, I see a few items that I have disputed, but no changes have been made. I have made 5 requests - I ca n't log in because of the error, but I call at least once a week. I have mailed and faxed repeatedly, and whenever I call, I am given a different fax number. Some numbers I have been given never answer. I have been put on hold for hours, been hung up on, and been told to fax additional documents, which I have done, but there is still no resolution. 

I paid {$500.00} to get my home appraised, and my refi was declined because I have all of this outstanding debt - which is not my debt. I understand that companies have 30 days to fix errors, but what if the mistake belongs to the credit bureau? I have been trying for months. 

The specific items : XXXX, XXXX - this is not my loan in Texas. It belongs to a person named XXXX XXXX. My mortgage is with XXXX XXXX : XXXX - this is not mine XXXX XXXX - not mine XXXX XXXX : XXXX - not mine - I do n't have a car loan, but my prior loan was with XXXX XXXX XXXX : XXXX - not mine XXXX XXXX XXXX : XXXX - this is not mine If you scroll down to associated addresses, I have lived in the NC locations, and a person, who I have never met ( XXXX XXXX ) lives in Texas. Please remove those Texas addresses. 

My social security is : XXXX XXXX XXXX 's social is : XXXX My birthday is XX/XX/XXXX XXXX XXXX 's birthday is XX/XX/XXXX I have fax confirmations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I do n't have receipts from mailing documents as I assumed this would get fixed.
Consumer complaint received 2022-03-31
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX  Account NameXXXX XXXX XXXX Account # XXXX Account NameXXXX XXXX  Account # XXXX, Account NameXXXX XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX XXXX Account # XXXX Account NameXXXX XXXXXXXX XXXX XXXX Account # XXXX Account NameXXXX XXXX XXXX XXXX Account # XXXX Account Name/ XXXX 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 2017-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (WA)

Account and all access to MY funds have been locked. I am XXXX in the middle of the XXXX XXXX XXXX XXXX XXXX. They lock my account and say 'call me ' ... there is XXXX reason to have account locked. Internet is extremely spotty but it is not incorrect!! They are either completely XXXX ... .Deonis or extemely rude and arrogant and do n't give a XXXX XXXX  whether you are stranded halfway across the planet because of their error ... that would be the lovely XXXX XXXX . She has mastered the phrase we do n't care 'ma'am ' nicely. They refused to do anything or even give a reason as to why access to my money was locked. They they act like it 's theirs and basically it is because they have stolen it. I told them I would report them and they acted like ... .go ahead ... .you ca n't do XXXX about it ... .you 're XXXX. HA HA ...
Consumer complaint received 2017-11-20
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: FORD MOTOR CREDIT CO. (MD)

I was shocked when I reviewed my credit report and found late payments on the following dates : *XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened. I believed that I had made my payments to you when I received my statement. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TX)

This company said I opened an account with them on XX/XX/2021 which is totally false and I believe is fraudulent. I have not entered into any contracts, signed any agreements or promise to pay any debts with the company listed. I need this debt removed from my credit report and to cease any further attempts to collect this fraudulent debt.
Consumer complaint received 2017-11-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION (MD)

On Friday XXXX XXXX, 2017 I received three letters concerning three accounts I have with M & T Bank- that they are going to close all my bank accounts- including a personal credit card, my personal bank account, a company bank account and my 401K retirement account in 30 days and I must take all my accounts to another bank. They have not given me any reason for this and state they will not give me a reason. I have a XXXX credit score and never had a returned charge. Also, the 401K bank account took weeks to set up and I can not switch this account to another bank at this time and possibly not at any time in the future. Some banks do not open accounts like this and it is a very long process to open this type of account. The bank has required me to keep {$5000.00} on deposit for my 401K accounts and I have done that. Why would they not want to keep this account since there is no expense for them to hold and maintain this account? Why do they do this to a very good customer with a very good record and credit score? I can not move these accounts at this time because I am a XXXX for a XXXX XXXX XXXX program and have too much work to do in the last 4 weeks of the session to spend on setting up new accounts with another bank.
Consumer complaint received 2021-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (FL)

My Stafford Loans with U.S. DEPARTMENT OF EDUCATION XXXX XXXX ) is handled by Great Lakes. On XX/XX/XXXX, My student loan principal amount was {$40000.00} and the accrued interest {$12000.00} ( which is excessive. ) At the time, Great Lakes offered me a standard repayment plan ( No salary-driven or subsidized in any way ) of {$240.00} a month. Such payment was supposed to start reducing my loan principal immediately. This week while taking a look at my account summary, for my surprise, the balance of my loan instead of have been decreased, it has risen to {$53000.00}. Ever since I setup my payment plan, I haven't missed one single payment ; for the contrary, I have made greater payments than what I was supposed to. From the date of the payment plan was set, I have paid the total amount of {$5500.00} which has been allocated in its entirety to interests. Furthermore, in XX/XX/XXXX, I had a payment due of {$630.00} which corresponded to some accrued interests regardless of the Cares Act ( Interest Great Lakes is not able to explain to me. ) My loan has been overcharged, excessive interests have been capitalized and payments have not been applied as agreed since the beginning. When I called Great Lakes, they do nothing to help but sustain that the balance is correct. I really need someone to help me.
Consumer complaint received 2017-11-20
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: Diversified Consultants, Inc. (CA)

upon terminating my account before relocation XX/XX/XXXX, I entered into a early termination agreement with XXXX to pay {$20.00} per mo. until balance of {$330.00} was paid in full. I have honored that agreement with payment receipts up to XX/XX/XXXX ( please see attached XXXX 's payment record ) The remaining {$110.00} I mailed to XXXX XX/XX/XXXX in the exact same way as I had the many payments before. In the form of a money order, the exact same address as before. ( please see attached money order copy for {$110.00} ) On XX/XX/XXXX my credit report shows this {$110.00} listed as in collection. ( please see attached, my letter to XXXX dated XX/XX/XXXX making them aware of there violation of my rights under the Fair Debt Practices laws ) XXXX & Diversified Consultants , Inc . Response : ( please see attached letters dated XX/XX/XXXX & XX/XX/XXXX ) XXXX says they had not received my payment, and advises me to contact the money order company to see if money order had been cashed. ( please see attached XXXX letter dated XX/XX/XXXX & money order copy ) Diversified Consultants, Inc. letter confirms the debt I owe. ( please see attached letter dated XX/XX/XXXX ) The violation is that this letter of first communication is four months late. Therefore denying me the right to dispute the debt if I owed it, under fair debt protection law. Please note that XXXX 's own payment record shows that I was payment current as of XX/XX/XXXX ( please see attached XXXX payment history record ) This shows there was no reason to report collection on my credit report. Because the grace period between payments had not expired. Record shows first report to my credit report was XX/XX/XXXX. ( please see attached letter dated XX/XX/XXXX making XXXX aware of the violation of my rights ) XXXX has yet to respond to this letter dated XX/XX/XXXX where I 'm still trying to settle this matter. I tell them that I took them advice and contacted the money order company, and found that the money order had not been cashed. and explained that XXXX XXXX money order refund would take up to 45 days. and as my letter goes on to say. I would send another {$110.00} to XXXX in return they remove the collection from my credit report that according to evidence should not have been placed there anyway. Know response from XXXX as of present, but I have received refund from XXXX XXXX less {$18.00} fee for refund. ( please see copy attached ) Please investigate and have removed from my credit report. Thank you for your time in this matter. for it appears they are parking the debt on my credit report.
Consumer complaint received 2017-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

Ever since late XX/XX/XXXX, USAA has been letting me transfer money from my XXXX XXXX XXXX XXXX account to put money in my USAA checking accounts. But starting about 2-3 weeks ago, XXXX start reshuffling the way they process transactions, and I called them out on it, because it was obvious they were doing it to charge customers overdraft fees. They quietly fixed things and refunded the fees they charged me. However, when XXXX was doing this, it kept causing Returned Items on legitimate money transfers with funds fully available, but then XXXX would recall the money. This set off alarms with USAA, and I was able to fix the problems with both banks ... well, I fixed it with XXXX. USAA restricted my accounts to the point where I ca n't perform transfers, or even use my debit cards. I 've called and faxed USAA and I 've even included the XXXX XXXX XXXX XXXX statement apologizing to me AND USAA for the " honest mistake that should have no reflection on [ my name ]. '' But USAA wo n't do anything for me, and after asking a banking rep how long it takes to return to normal, they replied " weeks to months. '' I have deposits coming into both my accounts from my small business and from family providing money to me, and I ca n't access it. I can look at it on USAA 's website, but they wo n't let me access my money.
Consumer complaint received 2022-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (PA)

Issues with Home Point Financial, XXXX XXXXharging us for additional insurance coverage that is not needed and a duplicate coverage for a condo located in XXXX, XXXX. They started charging us in XX/XX/XXXX. Weve spoken to the mortgage company and they admitted their mistake and stated they would refund and correct our monthly payments. Its now XXXX, and theyre just giving us any silly excuse to not pay and correct their mistake.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently received a copy of my credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that credit agencies shouldn't be allowed to put an inquiry on my file unless I have authorized it. Transunion refuse to have these inquiries removed from my credit file and it is making it very difficult for me to acquire credit. Transunion have not provided me with any information on how they verified these items. 

If they do not have any documentation in their files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

The FCRA states that the only permissible purpose for pulling someones credit is for : Firm Offer of Credit Insurance Employment Court Order The following credit inquiries are related to none of the aforementioned permissible. 

If these inquires are not removed i will be forced to file a XXXX Complaint, and pursue litigation against Transunion for violation of the FCRA.
Consumer complaint received 2017-11-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (LA)

This company is attempting to collect a debt that I do not owe them. This company is claiming that they know for a fact that I am who owes this debt. I have never lived at the address that they 're claiming that this debt was made. I have asked this company to validate this debt that I owe, but all they have sent me is statements, but this is n't properly validating this debt because anyone can get a credit card in my name if they have the proper information to do so. I have no contract with this company and neither have I ever heard of this company. I ask that this company provide me with an agreement with my signature on it stating that I agreed that this debt is mine. If this company ca n't properly validate this debt as I asked them they should REMOVE this debt from my credit reports. I feel as if I have been treated unfairly because this company is n't trying to properly validate this debt. They simply said that they have provided the documents that I asked for when I never received a copy of an agreement with my signature on it. I will also attach an identity theft report that I filed with the Federal Trade Commission.