davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2016 I deposited {$8600.00} into my Bank Of America at the branch in XXXX, CA XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. 

{$8000.00} in cash and a check for {$670.00}. The teller counted the money, gave me a receipt, credited my account for the total. I saw the amount in bank account. A few days later I noticed the bank deducted {$6000.00} dollars from my account. The notice from the bank said that there is a discrepancy on the deposit slip. The total is {$8600.00} but the currency says {$2000.00}. 

I went to the bank branch and ask for an injury to the missing funds. I was denied. The branch manager did not even ask for account information. He refused to help in anyway. I went to the branch I normally deal with, XXXX, XXXX XXXX. They told me that the other branch should review the reports and look at the cameras. 

I called corporate Bank of America to complain. I was told that ONLY the branch can authorize a report or look at the camera. I would need a subpoena to get the branch manager to look at the cameras if he refuses. 

I returned to my regular branch, XXXX and complained again. They said they sent an email to corporate to look into the XXXX branch. The XXXX branch manager refuses to do anything or even look at my account. 

I believe the money was stolen. I think that if the manager sees any error on the deposit slip he keeps the money. No one is going look into anyways. The teller entered the correct amount into my account and gave me receipt. There is a big difference between {$8000.00} and {$2000.00}. It was all $ XXXX in cash, easy to see. 

I believe Bank of America should be accountable for its employees and there should be a check and balance. I believe this is easy to resolve, look at the cameras. Run a report of what the teller entered as a deposit.
Consumer complaint received 2021-10-09
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: CLGF Holdco 1, LLC (CA)

I called XXXX dispute department and was met with hostility regarding followup to a prior dispute against Milestone and Indigo credit cards who were handle by the same processor but sent to collections. I paid the balances to the collections agencies. The CSR for dispute got aggravated with me and stated that I paid the collections agency and not the credit card company which shows as closed as charge offs. I explained that my credit wasn't with the agencies but he said the credit cards will remain as derogatory and not show as paid. That is inaccurate and prevents me from qualifying for a mortgage. There are several paid items showing as derogatory that were paid and should have been removed as agreed.
Consumer complaint received 2021-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OK)

I would like if Experian can removed XXXX XXXX as a collection from my credit report. I recently disputed this company with XXXX and they removed it from my credit report. I would also like Experian to fully investigate this company as they have failed to provide validation that I owe them the amount.
Consumer complaint received 2021-05-21
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: KBR INC DBA RASH CURTIS & ASSOCIATES (NV)

I reveiwed a current copy of my credit report and show inaccruate information. Account name RASH CURTIS & ASSOCIAT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account numberXXXX. is showing as a collection/chargeoff with and open balance of {$750.00} and I understand this is a direct Violation of FDCPA. I understand a charge off account must report {$0.00}. I have disputed this account on a number of time and no reply has been given and its been more than 60 days. Which is a violation of FCRA. Please delete account.
Consumer complaint received 2016-04-04
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America refuses to comply with the Fair Credit Billing Act. 

I mailed a credit card dispute letter to Bank of America. They told me in writing that they got my dispute letter on XXXX.They rejected my dispute and charged my account on XXXX. This is more than XXXX billing cycles. This is more than 90 days. My billing cycle date is the XXXX. 

The nature of my dispute was Billing Error. I demanded clarification. I did not receive clarification.
Consumer complaint received 2021-05-21
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. (CA)

XXXX  has been reporting on my behalf with out my permission. I havent been able to contact them and they have still been charging me late fees. Every tine i try to contact support i can not get through. Since XX/XX/2021 till XX/XX/2021 they have taken money from me and i demand it all be sent back to me. Under 15 usc 1692 c i would like to cease and desist all communication from here on out. Under 15 usc 1681 ( the fair credit reporting act ) all reports need to be accurate and fair. And i am a victim of fraud because so gave no consents for anybody to report or have my information. Any paperwork like the pictures i showed attached are examples of false and deceptive paperwork which is a violation of the fair trade commission ( the ftc )
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/XXXX I looked in my account and only had XXXX in my account. I had {$1000.00} in my account someone hacked my XXXX. I called chase as soon as I noticed and they helped me file a claim and told me it would take XXXX business days to get my money back. The XXXX day comes and I dont have anything. They told me after going under investigation they didnt see anyone logged into my account and that it was authorized. I was highly upset they denied it because I worked hard for that money and thats supposed to go to my car as a down payment. I went to chase bank yesterday to talk to them to get to the bottom of the situation and they called the supervisor of claims so I can talk to him. He went in my account and told me the same thing they told me but he gave me more information. I asked who is the person he said he didnt know because they bank with XXXX XXXX XXXX and he couldnt look into the account. He also mentioned they sent the money as XXXX mortgage loan payment so they wouldnt see the payment as a red flag. Mind you my mother doesnt have a mortgage period. Also XXXX sent me a text message at XXXX a.m asking if I added this person as a recipient and if not to call them. Which I did. He also noted his area code of his number wasnt anything like mine. I told him see u see all the red flags I see so why cant I get my money back? Also I read online that a lot of scammers are scamming through XXXX XXXX XXXX so theres another red flag. I went to XXXX XXXX to the XXXX XXXX to see if they can see if my phone been hacked they told me they couldnt help. The police station told me the same thing. Now I went online looking for other possibilities and seen this website. I just need help getting to the bottom of this situation.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

My credit monitoring service reported an alert from Equifax on XX/XX/XXXX due to a new address - change of address. I called Equifax on XX/XX/XXXX to dispute this information and the person who took my call would not tell me the origin of what triggered this alert. I asked how to receive a free credit report so I can examine the source of this alert and the person instead tried to sell me a {$20.00} per month Equifax monitoring plan. I ended this call and tried to obtain my free credit report from the Equifax website. After I filled out all this information the Equifax website returned an " Oops error '' error that this process can be completed. So I have tried calling Equifax and using their website to obtain a free credit report to understand a possible attempt at identity theft and I am unable to resolve this problem through either method.
Consumer complaint received 2023-03-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (GA)

I am filing another complaint because Wells Fargo Bank continues to misrepresent the truth in my case. The latest correspondence came on XXXX. Again they stated, as per their tape recordings, that I only applied for a {$20000.00} and never asked for a {$10000.00} as I have asserted over the last year. In XX/XX/XXXX, I applied for a {$10000.00} loan with loan consultant XXXX XXXX. XXXX XXXX stated since my house is almost paid for, I should borrow {$100000.00}. I told him that I am a XXXX XXXX  on a fixed income and I can only afford to pay back {$10000.00}. He began to badger me and tried to force to borrow {$75000.00} which I also refused and refused his next offer of {$50000.00}. He continued his rude tactics trying to force me to borrow XXXX XXXX.At that point I informed him that I have a XXXX  XXXX  and he is causing me to have an XXXX XXXX. He continued and told me that. I was not going to get a {$10000.00} loan because there would be no benefit in keeping the loan at {$10000.00} due to the closing cost being rolled over into the new mortgage. This is evidenced in the correspondence submitted dated XX/XX/XXXX on page two, third paragraph. The fact that XXXX XXXX also tried to force me to borrow more than I could afford to pay back is evidenced n the correspondence submitted dated XX/XX/XXXX, on page two, third paragraph, where Case Specialist XXXX XXXX stated that XXXX XXXX recommended the higher amounts to save me on out of pocket closing cost The correspondence today again insisted that their tape recordings prove that I only asked for a {$20000.00} and never asked for a {$10000.00} loan which is totally false. I asked for copies of these tapes as per the Freedom of Information and The Open Records act but my request was refused.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!
Consumer complaint received 2023-03-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

This is the collection Agency : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXX XXXX XXXX TO XXXX PST Email : XXXX Sent a letter requesting to pay a debt without further information. We asked for more information and said we believe this to be wrong and gave the reasons why. They refuse to give us more information and keep acting like this needs to be paid now they are saying its urgent. We thought this was scam because of the unprofessional but it is legit. They have called me asking to pay and we repeatedly say we need to see proof they have no proof. They are being very short and unprofessional not saying anything but the amount we owe. Please see below what we have said to them : " Dear Genesis, Your reply is unresponsive to my email. I accept your reply as an admission that Genesis failed to verify the charges and Genesis does not possess any documents supporting the alleged charges other than the lease agreement. Please note that the lease agreement does not verify or support the charges. Despite our repeated request for verification, we have not received verification for the unsubstantiated alleged charges you seek to collect. 

Regards, XXXX XXXX, XXXX. '' Right after this they asked to pay. They are not legitimate or not doing this properly they should be flagged or audited for poorly doing business according to the law and our rights.
Consumer complaint received 2019-02-23
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MOHELA (MD)

XXXX XXXX, XXXX XXXX and XXXX XXXX from MOHELA continue to send " bills '' even after an Identity Theft Report was filed against them. They continue alleging that I owe a debt. They continue with their Illegal Debt Collection Practices Under 15 USC 1692 ( E ) ( 1 ). I am the creditor as per 15 USC 1692 ( A ) ( 4 ).

They have no license to do business in Maryland. They keep harassing me by phone and mail. Who are they to override the above U.S. codes under the Fair Debt Collection Practices Act ( FDCPA )?
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I filed this lawsuit withthis company and I have never been paid a cent this fruad goes beyond them it includ the Social Security office I have received mail from them to my adress XXXX XXXX XXXX XXXX # XXXX only to find out on XX/XX/XXXX that I had not chnaged my address with them and that all my old mail wa still going to XXXX XXXX XXXX when spreaking with the new tenat at the adress she stated she sent all my mail back to XXXX Florida My entire life is turned up side down The check from XXXX XXXX was mailed in XXXX to the adress at XXXX XXXX XXXX where I nolonger lived but I received mail at the new adress from XXXXXXXX XXXX sarting back in XXXX of XXXX this fraud also includes XXXX XXXX and the Deoartment Of children and families or florida I need help. Although the postalservices in my City stated I never changed my adress from XXXX XXXX XXXX my mail has been fowarded to my new adress at XXXX XXXX XXXXXXXX XXXX # XXXX. I also was receiving emails from USPS XXXX XXXXXXXX XXXX XXXX.
Consumer complaint received 2023-03-22
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. (FL)

It was revealed in my credit report that a collection account is fraudulent that I did not authorize. I would like this accounts immediately remove from my XXXX, XXXX, and Experian credit report : Account name : XXXX XXXX XXXX Acct number : XXXX Date open : XX/XX/2023. THE ACCOUNT IS STATED OPEN BUT IS IN COLLECTIONS. I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation. 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.
Consumer complaint received 2024-01-23
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. (CA)

This is the refilling of my complaint to EXPERIAN. I accept that my data is being abused and detailed as wrong. In my credit report I discovered some slanderous things that I didn't know about. I found late payments which never occurred and accounts with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my written instructions. I have attached the FTC report to support my complaint with the FTC report number XXXX.
Consumer complaint received 2022-07-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2020-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

To whom it may concern, Recently, I had a " delinquency '' status placed on an account that I had recently closed with XXXX XXXX for a car I leased in XXXX. I have always made timely payments on my account, and decided to buy out the lease, which I sent pay off on XX/XX/XXXX before the due date XXXX XX/XX/XXXX XXXX for my usual lease payments. However, I found out through my credit report alerts that my credit score went down by 75 points because of a delinquency status placed by XXXX XXXX. I submitted a dispute with Equifax with supporting documents to prove that I have never been delinquent. However, I found out on my investigation results that they only changed the date of the delinquency status rather than deleting it. They clearly did not investigate this thoroughly and did not look carefully at the documents I had submitted.
Consumer complaint received 2019-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was going through my accounts on XXXX XXXX I noticed there was past information being reported on my accounts on transunion XXXX XXXX XXXX XXXX this was all settled. on XXXX XXXX XXXX  XXXX XXXX XXXX this was all settled as well and I think is the same thing they are referring to. 

The situation Is the government said they would wipe off the debt back in 2017 if anyone has additional questions feel free to call me. I just want this inaccurate information removed from my file.
Consumer complaint received 2015-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I have a public record / judgement on my credit report which does not belong to me. This public record has kept me from financing my home, and has even kept me from getting a job. On XXXX XXXX, 2015 I appeared in court before a judge to clarify the judgement was not mine. On this day I was given a court order specifying that the judgement belongs to an individual with a social security ending in a sequence of numbers which does not match mine. After sending a dispute to Experian I was told the negative listing can not be investigated because I did not include my entire social security. ( I sent my last XXXX, name and address ) This issue continues to keep me from doing the most basic things in life like purchase a car, a home, or even get a job. Please Help! 

XXXX XXXX
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

There have been unauthorized inquiries put on my credit report and after contacting both the bureau and the companies have not been removed. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX