davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I opened an account on XX/XX/2018 and the bank representative XXXX XXXX ( XXXX XXXX XXXX ) was easy to work with. I explained my situation as a XXXX  person, who was at the age of XXXX diagnosed with XXXX, and I was looking for another banking option. I chose Bank of America and opened a checking account on XX/XX/2018 and it was the wrong choice. Today, only one day later after having to take time out of my day yesterday as a XXXX person - I was told that my account was closed, and they refuse to say why. Once I entered the branch today ( XX/XX/2018 ) I was NOT greeted in a friendly way -- I told the bank representative XXXX XXXX my situation - he called a number that told him the same thing I was told : " They can't say why they closed my account '' but to call back on my Monday, and they would " mail me my check '' back. I demanded the money but he refused, so I left the building. The fact that the bank can not in good faith indicate why they denied me, and a refusal to do so violates federal law ( I have an NMLS # ), and I am familiar with consumer reporting. I have a clean XXXX report, and they refuse to indicate anything as to " WHY " they closed my account. Bank of America and this branches employees clearly have no issue violating my rights to a consumer report. Keep in mind my account was open, approved, and then the very next day denied and closed for NO reason and they can not say why nor will they give me my money back when requested. I know I being redundant but this is illegal. Please investigate! Demand answers and if needed ( which I believe it is ) send CFPB employees to interview these egregious consumer violations! I will be happy to speak with any of the authorities to provide a detailed account of what occurred. Thank You!
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (MD)

Experian is falsely maintaining XXXX falsely and fraudulently reported accounts that are damaging my credit every day and making it hard to acquire credit. 

Every day this fraud is reported my credit is falsely damaged. 

This is banking fraud, reporting fraud and credit reporting fraud. 

My XXXX account has been canceled because of XXXX  and fraud, due to the fraud on my reporting and this is a problem as well.
Consumer complaint received 2020-10-23
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. (NV)

I received a copy of my credit report after getting a call from a creditor I have never done business with before. After getting my reports from all three bureaus I realized there was multiple accounts and personal info on my report that do no belong to me. I filed a police report and an identity theft report and I also disputed it with all credit bureaus. They have not been removed still.
Consumer complaint received 2023-01-11
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. (VA)

in accordance with fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 ... ... ... ... section- ( 602a ) section- ( 604a ) section2 Equifax information services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc. (CA)

USCB America continues to report erroneous information to credit reporting agencies in violation of the FDCPA. I have contacted USCB several times ( XX/XX/21, XX/XX/21, XX/XX/21 ) and they have not verified or removed the medical collection items from my credit report. This is causing HARM to my family as I can not secure credit. By not removing false information, they continue to be in VIOLATION of the FDCPA. I have provided USCB America with proof of my identity and have given them 30 days to verify the disputed debt, but they have failed to act.
Consumer complaint received 2018-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC. (WA)

On XX/XX/2018, I was at XXXX Bank and one of the employees advised me to apply for a XXXX XXXX XXXX  credit card and had told me I'd be approved. So I listened to the bankers false claim, but to my surprise, I was declined. I am not happy with the fact that due to the banker giving me false hopes with a credit card. Furthermore, now that his false claims are affecting my Equifax Credit Report!
Consumer complaint received 2020-11-25
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

Good Morning, My Name is XXXX XXXX. I been having a problem with Macys due to a cashiers check. I took out a consolidated loan from Credit Union back in XXXX of XXXX one of the checks i received was for Macys in the amount of {$310.00}. I went to the actual store in XXXX Tx to give them the check in which they took ad also received a receipt stating the payment was received. Within a couple of weeks the credit posted to my account, i later verified that the payment was place back on my account. When i called the agent on the line advised me that no payment was ever made so they made me send over proof. I was able to get proof from my bank and had that sent over to them. I waited a while before calling back again and they advised me the information sent over wasnt enough proof so we sent over the actual check where it was showing cashed front and back. They told me to wait for someone to call me but they never did. This was going on for months. It has already been over year dealing with Macys and nothing has been resolved they just keep sending me back to the bank. I spoke with multiple supervisors and managers and no one was able to assist further. I spoke with Credit Union and they gave me a letter head stating that the check was cashed on XX/XX/XXXX, i sent proof of the check front and back and also of the letter in XX/XX/XXXX we just called Macys again since we never received a call about the information we sent and got to peak with an agent in which we escalated to a supervisor due to the timeframe. We spoke with XXXX ID # XXXX Who was very RUDE. Kept speaking over me, and by shutting me up she placed me on hold for over 15 minutes. My wife took over the phone and asked to speak with someone above her and kept denying her the right to speak with someone else and was getting an attitude. When we advised we were going to place a complaint she said its fine like she didnt care. We have been dealing with Macys for over a year with sending multiple proof/calling more than 15 to 20 times to try and get a resolution since were not only paying for interest with Macys but also interest from our bank. I been patient enough for one year and been dealing with alot from them including twice now they are saying i am past due when i am not since the payment was made and the check was cashed. Not only do i like to place a complaint, but i feel that i should be rewarded for the incompetency of the company not willing to assist me when i been a client for multiple years, but also for my time of all the calls i have made, all the faxing and all the fees, and interest i was being charged for.
Consumer complaint received 2020-04-26
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. (FL)

I have written to XXXX XXXX Mortgage three times requesting proof that that I my loan was paid for less than the full balance. All they do is to write me and say that I did not fully pay off the mortgage even though my balance is showing XXXX. They never sent me any pay history showing details ... .That is not sufficient proof. They should be providing copies of every monthly statement for the year XXXX.
Consumer complaint received 2018-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXXeeds Attention Last reported : XX/XX/XXXX {$9700.00} XXXX Days Late XXXX XXXX Last reported : XX/XX/XXXX {$5000.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$4900.00} GoodThe items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-03-19
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. (FL)

The department of education is now showing the account as open and past due. This is not my service provider. I have already provide the proof. They are influencing my FICO scores at two credit bureaus now. One bureau just dropped 69 points. None of information they are providing is accurate. This has been under investigation for 56 days, why have these inaccurate accounts not been deleted? 
_______________________________________________________________________ 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and88 623 - 15 U.S.C. 1681s-2 ( ii ) the information is, in fact, inaccurate.

______________________________________________________________________ 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( d ) Notification of deletion of disputed information. Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) of this section to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information.
Consumer complaint received 2020-07-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lake City Credit (TX)

Filed complaint with credit bureaus and they have continued to contact me from different numbers. They have mailed documents but have not provided all documents I have requested from the credit bureaus. They have not provided the proof the debt that was sent is from original creditor. Did they provide legal documentation of having the right to collect the debt nor shown proof they are able to legally practice debt collection in my state. They have not stated if the original creditor sold the debt to them of did they buy the debt from another collection agency. Also the collection Agency has not shown the amount the collection agency claim I owe them match that of the amount from the original creditor at the time of charge of, and to provide the 1099 form from the company, interest amount, closed date, payment history, and has past SOL.
Consumer complaint received 2021-09-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (MO)

My complaint is about the bill from XXXX XXXX XXXX. XXXX XXXX XXXX defaulted on our agreement. XXXX XXXX XXXX did not provide the service that I was charged for and the claim should be removed from my credit report.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taking advantage of and being ignored of my disputes. In Section 611 ( a ), it plainly calls out that a failure to investigate theses items with in 30 days gives a clear and present reason to immediately remove those items from my credit report it has been over 60 days so the items in question should be deleted promptly. I demand the accounts in question be deleted immediately or I will file for a litigation due to the mental and emotions stress you have caused me. This matter has effect my XXXX and XXXX  wellbeing and I will seek damages if this matter is not swiftly resolved. My information was also impacted by the Equifax data breach.
Consumer complaint received 2015-06-26
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NV)

I have been trying to restructure my mortgage for an affordable payment with Wells Fargo for years. They continue to stall and delay working out a favorable solution. I heard from Senator XXXX XXXX office who is attempting to assist me and they said Wells Fargo told them I have qualified for a restructuring with an interest rate of 3.75 % and a mortgage payment of {$960.00} a month. My previous payment was {$910.00} a month. When I started this process I was looking for a lower, more affordable payment. If I can not afford a {$910.00} a month payment how can I be expected to afford {$960.00}? 
Wells Fargo refused to negotiate with me when the market was down and my house only appraised at {$88.00} but now that the market has recovered they are trying to extort as much as they can from me. 
They are calculating this payment on my current income however I will be loosing my XXXX payments of {$1500.00} a month in XXXX and I start repaying my student loans in XXXX. 
There are several affordable payment options they could use to get me a {$700.00} a month payment but they refuse to even consider them.
Consumer complaint received 2020-04-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I have sent several CERTIFIED letters to Equifax disputing unauthorized inquiries. They keep asking for proof of ID which they already have on file! This is very frustrating because the other bureaus have responded and removed all of the unauthorized inquiries as requested! 
Equifax keeps stalling and playing games with consumers! Asking me for silly proof of ID which they already HAVE!!
Consumer complaint received 2024-03-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (CA)

I had submitted a complaint in XX/XX/XXXX, reference number XXXX. Ally Bank 's response was still rather perfunctory. Hence, this new complaint is initiated. 

In Ally Bank 's response, it included a paragraph " On XX/XX/XXXX, we sent an email to your email address on file alerting you that Changes are being made to our Deposit Agreement. The email also included a link to the Ally Bank Deposit Agreement and Disclosures effective XX/XX/XXXX, with changes as of XX/XX/XXXX. One of the updates included further clarification on how we calculate interest on your account ( s ). Our Deposit Agreement and Disclosures can be found under Legal beneath Terms & Privacy toward the bottom right of our website, www.ally.com. '' However, the problem I raised last time was not really addressed. The interest calculation methodology for my banking account was totally inconsistent from one month to the next starting from XX/XX/XXXX. Either the deposit agreement change went into effect on XX/XX/XXXX or XX/XX/XXXX, that can't explain why the interest calculation methodology was different between XXXX and XXXX, between XXXX and XXXX, between XXXX and XXXX, etc. in the same year. Please stop the perfunctory tactics and provide the honest answer. 

Plus, the interest accruals in the savings account had always been posted on the XXXX of every month through XX/XX/XXXX. Why was my most recent interest accrual was only posted as late as XX/XX/XXXX??????? Let alone between XX/XX/XXXX and XX/XX/XXXX the posting date keep changing again and again. How much more deficient does the bank system need to be before it can be admitted to be a problem?
Consumer complaint received 2021-09-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (LA)

Opening an checking account with XXXX that I currently have had for 13 years and they denied me for 1 ) too many deposit sent back and 2 ) bad banking relationship. 
Im currently with good standing wuth my current banks and never had any complaint. I called and they said to call XXXX I called XXXX they said to call early warning and neither could tell me what was going on
Consumer complaint received 2021-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

To Whom It May Concern, My name is XXXX XXXX, my new capital one account number is XXXX. I have been a satisfied customer of Capital one for over 9 years. 

Capital ones outstanding customer service is the reason Ive remained a loyal customer. Ive always considered it a priority to make all my payments on time. Unfortunately, My account was compromised. Fraudulent charges were made on my account without my knowledge in the month of XX/XX/2019. Sadly, on my credit report it states I was 120 days late from XX/XX/2019 through XX/XX/2019. 

I had been carrying a sizable balance for several months. Then, I finally paid off the full balance in XXXX of 2019. 
I decided to pay off my balance because I knew I would be out of the country for several months to take care of a family member. 
Upon returning to the XXXX I realized my account had fraudulent charges and my card was missing. I immediately reported it to the credit card company. The representative took my claim but unfortunately did not file everything correctly. He had only disputed a portion of the claim. So I had to dispute the fraud charges a couple of times. As a result my claim was resolved in my favor. ( I have attached a copy of the proof with this letter. ) Capital one records will show I had never been late with a payment prior to this unfortunate event. As a long-time customer in good standing and for the integrity of the account, I respectfully requested to remove the late payments from my file as it is adversely affecting my credit report. The reporting of the late payment to all 3 credit reporting agencies should have been avoided by capital one due to them preforming a through investigation which clearly proved the charges indeed were fraudulently made.Thank you very much for your consideration and hope to hear from you soon. 

Respectfully, XXXX XXXX
Consumer complaint received 2021-05-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION (VA)

I deposited check into XXXX XXXX check was fraudulent and funds reversed. I did FOIA request to XXXX asking how many times XXXX received and reversed check from one or both companies on front of the check.. XXXX or XXXX. today XXXX foia denied. FOIA Director called said XXXX not at fault. She told me to file with CFPB. I feel many NF members have experienced the thing and in doing so NF knew or should have known checks members produced for deposit with names XXXX XXXX XXXXXXXX were fraudulent and should not have allowed its members to be subjected to fraud.
Consumer complaint received 2016-02-17
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

I get paid bi-weekly with a check drawn on Wells Fargo Bank, I do not have a Wells Fargo account. How can they charge me {$7.00} to cash my paycheck, something seems wrong to me. Of course it 's free if I change banks and open an account with them instead of XXXX.