davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2021, I received a text alert from Bank of America ( BOA send text messages to its client ) asking me if I had deposited XXXX to a XXXX XXXX account. I reply NO then they send another text asking if I want to speak to a representative I reply YES. Someone called me identifying as BOA representative, the caller ID said BOA and it was the same number on the card. The representative had all my bank account information. amount, account numbers, business account, my husbands name and my name, social security numbers everything! This person instructed me to do some transaction between my accounts and told me to use my email address. There were three different transactions from two different accounts. my personal and my business. while I was talking to this person I called the Bank and told them what was happening, they told me to stop any transactions if I can but apparently it was too late. I went to the police station and made a report, I have called the bank several times, but the bank is not responding at all. All they said is because Id id the transactions by XXXX I am responsible for. The thing is that when people send me money through XXXX  they send is not immediately. They have been very rude and not taking responsibility of anything. I have been banking with this bank for years but this is not right. I have a police report and the bank not even ask for it. All I have heard from them is you did the transaction you loose the money. This is a fraud by a bank employee. There is not way someone will know exactly how much money including cents  I have in my bank account. The bank told me to allow them 90 days for investigation, I called them a few times within that time and they have told me already that they cant do nothing. The bank is not taking ownership, we are both partnering they said this is a fraud someone did to me that it was not them but the fraud was not only to me but to them too because they are included in this. This is the bank issue. this fraud transactions comes from people that works there, it is too strange for someone to have all my cents information from each bank. I lost {$13000.00} and the bank is not responding for any? something is wrong here. I need a full investigation and want to feel protected when I deposit money at the bank.
Consumer complaint received 2021-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SinglePoint GI (VA)

according to my credit report, General Revenue Corporation ( GRC ) has stated on my credit report through the Consumer Financial Protection Bureau, that I settled this debt for a lesser amount. That is not " TRUE ''. This company has engaged in deceptive practices. XXXX XXXX University told me what was due based on my student loan. The bill was paid. see attached. Now GRC wants to put on my credit report that I settled this debt for a lesser amount. 
GRC can not think that reporting misinformation about a consumer credit report, is with the Guide Lines of the Fair Credit Reporting Act. Fair Credit Reporting Act, requires that all information must be accurate. It is my understanding from XXXX XXXX that they have tried to reach out to GRC but no reply. See Attached Lastly, GRC has failed to mention that I responded back to them within their 30-day time frame back in XXXX, letting them know that it was not a valid debt, that they had received. I never heard anything from them.
Consumer complaint received 2021-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX, TRANSUNION, AND XXXX  ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Consumer complaint received 2021-05-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: BBVA FINANCIAL CORPORATION (TX)

I have an installment loan with the company BBVA, I made a payment on XX/XX/2021 and was told prior to the payment that I qualify for a loan modification to receive a lesser interest rate. The original interest rate for the loan was around 18 %. I agree to the modification and was told that I need to make three months of payments based on the new modification amount, In which idea. I was told that the three modification payments covered XXXX, XXXX, and XXXX. Once the modification was complete it in XX/XX/2021 I received my documents from BBVA stating that my first modification payment was due XX/XX/2021. I spoke to a representative and ask for a payment history on my account, I noticed that nine of the payments that were made prior to the modification all went towards interest none of the payments that I made and Full was applied to my principal balance. In addition BBVA told me even though I was modifying the loan and had made the three payments they had given me until the modification had been completed They would still report late payments to all creditors to ruin my credit history.
Consumer complaint received 2021-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (AZ)

I received a letter in the mail that someone tried to obtain a PayPal credit card through synchrony bank on XX/XX/2021, I do believe this is the same criminal who has filed fraudulent charges in my name on different accounts as well as fraudulent unemployment, this person ( s ) is attempting to and has been opening accounts in my name. My credit of froze with fraud alerts and Ive filed police reports.
Consumer complaint received 2023-02-15
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. (NY)

I never gave this company consent, your company is violating my federally protected consumer rights. This means this company is breaking the law! Pursuant to 15 u.s.c 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate. After carefully examining my consumer report, I noticed that my consumer report is inaccurate. Pursuant to 15 U.S.C 1681b ( g ) this company does not have permissible, also pursuant to 15 U.S.C 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) a financial institution may not disclose nonpublic personal information to nonaffiliated third parties
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I have called and tried to resolve the issue of missing credit information over 2 days since the erroneous report was tendered to XXXX, causing them to deny credit. 

The telephone numbers online, sent me to an overseas site that hung up on me three times, while attempting to transfer me. I finally reached a party in the US that said missing information was my issue and I had to call each credit card company to ask them to report to Experian. 

I pulled the Credit reports from XXXX  and XXXX  and all data is contained in these reports. 

The Experian representative said that I had to buy their monthly services and apply for a credit card from them to process my dispute.
Consumer complaint received 2021-01-04
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: Experian Information Solutions Inc. (NY)

XXXX, XXXX and Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.
Consumer complaint received 2022-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

Ive been trying to dispute information on my credit with Experian they keep replying back within one day of my dispute updated. I have never received proof or validation of account and will like my accounts removed as to showing my prove for XXXX XXXX and XXXX account paid off never late A collection for XXXX was never verified I was never giving proof or validation from creditor or credit bureau I feel like they not following the proper guidelines and are failing to do to proper investigation as to the fair credit act I will like validation from all my disputes immediately verifying validating these account
Consumer complaint received 2020-11-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY (OH)

On XX/XX/XXXX, My husband and I did a wire transfer in the amount of {$57000.00} from XXXX XXXX  with a Personal Banker by the name of XXXX XXXX. NMLS ID : XXXX XXXX XXXX Financial Relationship Banker Phone : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Ohio XXXX This was sent to XXXX XXXX  with the Wiring Instructions sent to Wells Fargo to help my aging mother and father in law to pay off a mortgage that they have outstanding. XXXX sent the wire and negligently forgot to add one piece of information which was the XXXX Text Information that apparently Wells Fargo requires to pay off the loan. I have called XXXX since they are claiming that they can not find they {$57000.00}. My last 3 phone calls were on Friday XX/XX/XXXX in which I get them the  XXXX Wire  transfer number so that they can pull the payment and apply it to the loan. I haven't gotten any guidance on the time it will take to find this money and pay off the mortgage and now I am worried as to where the money is. The XXXX customer service team has not been able to help me find these funds or provide a timeline for payoff. I have asked to speak to a manager and they told me that one will call me in 24/48 hours. I am worried that now there is a late fee assigned to this loan and also if I make the mortgage payment for my father in law that this will throw everything off. 
I need help and am not getting anywhere. One customer service rep XXXX NMLS ID when asked she would not provide this for me. What can I do to find this money, avoid any more fees and get some guidance. 
Two Banks that I am having issues with are : XXXX XXXX XXXX  ( who sent the wire transfer ) XXXX ( servicer and recipient of the money to pay off the mortgage ) Receiving Bank : Wells Fargo, XXXX. XXXX XXXX CA
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX Equifax : XXXXXXXX XXXX XXXX XXXX Equifax : XXXX, XXXX / XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax : XXXX, XXXX Equifax : XXXX, has violated my rights. 

I have already disputed these accounts but the bureaus did not remove them, nor prove validation.

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 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX REQUEST FOR REMOVAL AS AUTHORIZED USER OF CREDIT CARD A/C TITLE XXXX XXXXXXXX XXXX, ACCOUNT NO . XXXX I hope this letter finds you well. I am writing to formally request the removal of my status as an authorized user of the Credit Card of Account No. XXXX titled as XXXX XXXXXXXX XXXX  XXXX 

After careful consideration and review of my financial circumstances, I have decided that it is in my best interest to discontinue my status as an authorized user on the aforementioned Credit Card. I greatly appreciate the opportunity that XXXX XXXXXXXX XXXX has provided me, and I am grateful for the positive experiences I have had as an authorized user.

I understand that there may be necessary administrative processes to complete to remove me as an authorized user. I kindly request your assistance in initiating these procedures to ensure a smooth transition. 

I am committed to ensuring that this transition is carried out in a seamless manner and would be more than willing to cooperate with any requirements from your end. I recognize that there may be a timeframe required for this request to be processed and implemented, and I appreciate your understanding in this matter.
Consumer complaint received 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (GA)

Amex Platinum charges additional fees for cardholders. When I originally signed up, you could have 3 additional cardholders for XXXX. Now on my latest statement each additional cardholder fee is XXXX. I called to cancel the cardholders and they informed that I had 30 days to cancel the charge. I called in the 38th day. Seems to me that under Reg E if you have 60 days to review account statements that should be the same in change in fees. The additional cardholder has not used the card in 60 days so there has been no utilization at all in benefits as an additional cardholder. Shame on Amex. They are gauging fees in a way that is unconscionable.
Consumer complaint received 2021-01-03
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. (TX)

XXXX XXXX did not have authorization nor permission to access my credit report. They had mentioned the inquiry would be removed but it is still on Transunion credit report.
Consumer complaint received 2020-10-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (IN)

Status and information is incorrect. 

Credit Acceptance was granted a judgement against me for the balance of my loan in 2015. The debt is 7 years old but they just recently started reporting new late payments to credit reporting agencies. 

The company agreed to settle the account and remove the debt from my credit reports after the settlement was paid. I paid the amount agreed upon in a lump sum but account has remained on my Credit Reports.
Consumer complaint received 2021-09-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (PA)

Please see the attachment. The Credence company sent me a debt collection notice on behalf of XXXX XXXX XXXX regarding a due bill that was incorrect. I followed up via phone and asked for the details of the due bill and they promised to email me the detailed bill right after the phone call. however, I never received any emails from them.
Consumer complaint received 2021-12-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had a reduced payment plan with capital one and my final payment on the plan was due in XXXX that regular payment was suppose to go back to XXXX. The amount of XXXX I paid the amount.capital one claims that I owe XXXX XXXX more and that Im 13 plus days past due I have spoke. To multiple supervisors and they documented that I should not have a past due balance that I complied with my end of the payment plan agreement on.
Consumer complaint received 2021-07-16
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. (NJ)

Ive sent a letter on XXXX to all 3 major credit reporting agency regarding some inaccurate accounts on my credit report. its been 3 month and I have not gotten a response yet. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. within 30 days 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.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

EXPERIAN, XXXX, XXXX HAVE STILL. AT THIS TIME HAVE NOT DELETED THE XXXX ACCOUNTS, on my CONSUMER REPORT, already admitted my XXXX XXXX OF BEING MY INFORMATION BEING RESOLD AND WITHOUT MY CONSENT. at this time it is now demanded to remove any accounts in connecting with XXXX. The federal violation. For these matters will be address, pursuant to 15 US CODE 1692k civil liability XXXX XXXX, Experian XXXX and XXXX are all liable for {$10000.00} in privacy fraud. XXXX XXXX CASE NUMBER XXXX would like the information sold to all XXXX, bureaus without my consent, causing turmoil for almost XXXX years. XXXX XXXX HAS ALREADY ADMITTED TO SELLING INFORMATION THAT IS NOT ACCURATE TO THESE XXXX BUREAUS
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (CA)

It 's a old cable bills XXXX XXXX {$210.00} XXXX that I was n't aware of. Recently found out it was showing outstanding in my credit report, immediately paid off but it 's still shows. I 'd like it to be removed, it 's affecting my credit score.
Consumer complaint received 2023-01-22
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. (PA)

XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, those 2 accounts Were sent to collections which means it is illegal for XXXX to have reported this information on my credit report pursuant ( 15usc 1681c 4 ) Which says that accounts placed for collections is excluded from credit reports. Each one of those accounts were sent to collections.
Consumer complaint received 2022-04-07
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. (FL)

XXXX, EQUIFAX, XXXX HAVE STILL. AT THIS TIME HAVE NOT DELETED THE XXXX ACCOUNTS, on my CONSUMER REPORT, already admitted my XXXX XXXX OF BEING MY INFORMATION BEING RESOLD AND WITHOUT MY CONSENT. at this time it is now demanded to remove any accounts in connecting with NFCU. The federal violation. For these matters will be address, pursuant to 15 US CODE 1692k civil liability XXXX XXXX, XXXX equifax and XXXX are all liable for {$10000.00} in privacy fraud. XXXX XXXX CASE NUMBER XXXXI would like the information sold to all 3, bureaus without my consent, causing turmoil for almost two years. XXXX XXXX HAS ALREADY ADMITTED TO SELLING INFORMATION THAT IS NOT ACCURATE TO THESE THREE BUREAUS
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 70 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly started that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 70 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.