davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I've been having problems with over draft fees and account problems for over five years and have paid off the fees no problem with fraud issues throughout that time. in beginning of XX/XX/2020 with the coronavirus pandemic. I opened up a credit card to protect my id and towards the end of XXXX I closed it down. I asked Bank of America how can I cancel my card. I went into a branch office to close this account and spoke to a consultant they said pay off the balance and close the account, so I did. anyways XXXX or XXXX of 2020 I got an email from this account saying i am delinquent in my payments so i called the fraud department at bank of america to talk to them about my credit card account and explained it to them for 2 and a half hours on the phone to talk about my issues. the fraud department said they would look into it and call me back or send me a text message regarding the problems with my credit card account i closed in XXXX. in XXXX or XXXX of 2020 I got an email telling me that they sent me to collections. well my dad sold his house. i was trying to rent a house/apartment. i passed the background check and also had the income to rent the property. So I was denied credit. meanwhile I live with my dad and my XXXX children. so with my bad credit I was denied housing. so now I have to file a identity theft complaint and credit card theft so i can get my good name back. this problem needs to be solved. thank you. XXXX XXXX
Consumer complaint received 2022-07-20
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)

1. In accordance with the Fair Credit report Act 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 is also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  and TransUnion are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to XXXX and TransUnion since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UMB FINANCIAL CORPORATION (GA)

My employer is moving its XXXX XXXX to XXXX from XXXX. There was a form to fill out and a procedure to follow to make this transfer of my funds to the XXXX account happen. I followed the instructions to the letter. I have been waiting to see when this would happen and it has not. Next I get the attached letter from XXXX informing me that I can keep my funds with them. I DO NOT WANT TO KEEP MY FUNDS With XXXX  They are an administrative mess and run their company like a third world government agency. Please assist.
Consumer complaint received 2020-11-04
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. (OR)

Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Consumer complaint received 2021-05-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CT)

Mortgage interest rate increased to 6 % from 3 % which increased my mortgage payment from XXXX to XXXX a month. 
I have even trying to work with Fay servicing since XXXX 2021 but they have offered me a deed in lieu ( 3 different times ) after they increased my mortgage payment. 
I am working a second job and reduced my expenses but I am struggling. 
I need some help for a reduced mortgage payment Please help me as I can not sleep as I worry day and night to keep my home. 
Help please!
Consumer complaint received 2020-06-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (OH)

I received a " Derogatory Mark '' on XX/XX/2020, on me credit report from " MIDWEST RECOVERY SYSTEMS '' for {$98.00}. It says the original creditor from credit karma is " XXXX XXXX XXXX XXXX '' I have paid all of the bills that I know of from XXXX XXXXXXXX XXXX. I never received anything in the mail and got no notifications related to this, so I don't what it is for. The company info is below, MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
Consumer complaint received 2018-07-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (NC)

I opened a bank account with Ally bank on XX/XX/2018. That same day, I deposited a check from my employer into the account. The check went through and the money was available. On XX/XX/XXXX, my account was locked. I hadn't spent any money or messed with the account at all. I called the bank to figure out what was wrong. An agent asked me to email my passport and a utility bill to XXXX. I sent this information on XX/XX/2018 which was the next day. 
On the same night of the XXXX, I received a phone call from a woman from the bank. She said that none of my information was able to be verified. I was confused and ask why? She said she was unable to answer the question and just that they have their own ways to verify and that my documents were not good. I was still confused and pressed why and asked what I could do. She said I could send in more documentation. While I was preparing to send, I was still very confused about my passport not being good as I have traveled with it and used it for ID many times. After going back and forth, I asked if I could just somehow get my money out. She quickly put me on hold and came back to tell me she has decided to close my account. I asked why she called for more documents if she wasn't giving me a chance to even submit them anymore. I asked if there was any way to keep it open. She said no and this was just a courtesy call to tell me they were closing the account even though she started the call asking for more documents. 

I asked how I would get my money which was XXXX {$4800.00}. I had no fees as I had never used the account yet other than depositing my check. She said I would not get my money back. 

This is the start of my complaint. Why will I not get my money back? She says the bank will give my money to my employer and it is up to them if they want to give it back to me. She said the bank is not responsible to give me my money back. I asked if she could email me some documentation that I could show to my employer to prove that my money was sent to them but she said no. I asked if I could have anything written to prove this conversation happened at all, she said no. 

This is a lot of money for a bank to just take, or to give back to my employer with no proof that they gave it back or that my employer received it. 

I was under the impression from my limited research that when banks close accounts, they must return the money minus any fees to the account holder. I didn't owe any fees, so I think I should be returned my money in its entirety. 

As of now, the bank no longer answers any emails I send and the customer representatives say my account belongs to a woman and I can only talk to her about it. She does not answer the phone and voice mail is not available. 

They have locked all access to my account so I have no way to access any statements or account numbers. All I have is the original check that I deposited and the emails the bank sent me.
Consumer complaint received 2020-08-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (NJ)

XX/XX/2020, received a letter in the mail that I owe {$5300.00} for XXXX XXXX XXXX Letter did not have XXXX account # or any details about why I owe this debt? 
Looked on Internet, and they are scam company, who drums up these false debts, report to your Credit Score, and ruin you r credit while demanding $ $ $ to repair the Credit Score. 

This is from my credit score : Status Date Reported XX/XX/2020 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name SOURCE RECEIVABLES MANAG Original Lender XXXX XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$5300.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX  XXXX XXXX, NC XXXX ( XXXX ) XXXX Remarks Placed for collection.
Consumer complaint received 2018-03-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (AL)

I received a payday loan with easy money in XXXX Alabama for XXXX dollars. The pay back amount was XXXX. The amount was to be paid back by the XX/XX/XXXX or it would come out of my account. The transaction appeared on the XX/XX/XXXXof XXXX and my bank contacted me to approve the transaction, which I did and it posted on the XX/XX/XXXX. XXXX was deducted from my account. I assumed the debt was paid. I'm XX/XX/XXXX, I began to receive voicemails and letters stating that the debt of XXXX was owed. When I asked about the amount, I was told " that's the amount I would have to pay ". No explanations. I continuously contacted the cooperate office and received the most unprofessional treatment. Today ( XX/XX/XXXX ), I finally spoke with someone who seems unsure of why the balance remained when it shows that it's been paid, but insisted I pay the remaining XXXX dollars. When I refused and asked what the XXXX dollars was for she refused to give an adeqaute explanation. She repeatedly stated that the XXXX dollars was assessed because the records show the payment was not made until the XX/XX/XXXX and that the payment takes days to post. I understand that transactions take a few days to post but she stated their system takes 7-10 days. I don't understand how I am being charged a fee when their system is why the fee is assessed and when I asked this, she raised her voice at me and hung up. When I called back to speak to a manager the person hung up before I was connected. I'm really disappointed in this company and outraged considering I've paid my debt and they're trying to collect more funds.
Consumer complaint received 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Inquiries : Date : XX/XX/XXXX Credit Name : XXXX XXXX NA Disputed numerous times Date : XX/XX/XXXX Creditor Name XXXX XXXX XXXX Disputed numerous times Date : XX/XX/XXXX XXXX XXXX  Disputed numerous times XX/XX/XXXX XXXX Disputed numerous times XX/XX/XXXX XXXXXXXX  Disputed numerous times XX/XX/XXXX XXXX XXXX Disputed numerous times
Consumer complaint received 2021-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2022-08-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$54.00}, XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}
Consumer complaint received 2018-02-02
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)

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

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2020-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

Date : XX/XX/2020 Amount : {$2700.00} Action : I sent a letter and I asked for a request for proof of a contract to substantiate your claim. I asked to provide me with a certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is, in fact, a copy of the original paper contract in question. I did not request for an accont validation, and they sent me a account validation.
Consumer complaint received 2020-08-22
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (FL)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX  score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2019-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Texas Guaranteed (NM)

Trellis Company  is the problem;1. They claim I had student loans when I wasn't in school.2. They claim that I was somehow able to borrow more each year than the legal limit.3. I am a XXXX in a district that is considered a low income school district and somehow I am unable to receive debt forgiveness. I have never been given a reason why I do not qualify.4. Trellis  garnished my wages without my knowledge. The letter they sent to me was dated XX/XX/2019 but they garnished wages in XX/XX/2019.5. The federal promissory note that Trellis  has;   a. Is Not signed by me (It has someone else's signature)   b. an address that belongs to my mother, an attorney, in Texas that was dealing with Trellis  last year.  c. missing information
Consumer complaint received 2020-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo is trying to liquidate my home and not help me because of their own self inflicted financial problems. WELLS FARGO MUST RE-INSTATE MY MORTGAGE. THIS ARTICLE IS EVIDENCE THAT THEY NEED TO LIQUIDATE ME AND NOT HELP ME. THIS ARTICLE APPEARS ON LINE TODAY XX/XX/2020 IS EVIDENCE THAT THEY ARE IN TROUBLE. THEY MUST PROVIDE ME WITH A SOLUTION XXXX XXXX Wells Fargo cuts jobs as the pandemic and penalties for past scandals take their toll XXXX XXXX XXXX hrs ago Inside XXXX XXXX, XXXX XXXX Virtual Hearing : What We Learned XXXX XXXX 's son, daughter die weeks apart XXXX logoWells Fargo cuts jobs as the pandemic and penalties for past scandals take their toll Wells Fargo is resuming layoffs, as the beleaguered bank looks to cut costs to cope with the coronavirus pandemic and long-running regulatory issues that have hampered its growth. 
Wells Fargo has set aside billions of dollars to account for loan losses exacerbated by COVID-19s toll on the U.S. economy. Additionally, the bank is constrained by a {$2.00} XXXX asset cap imposed on it by the Federal Reserve. That asset cap was imposed as punishment for a wide range of misbehavior that emerged at the bank in the late XXXX, most notably a scandal in which employees opened hundreds of thousands of fake credit card and deposit accounts in customers names. 

The asset cap has hindered Wells Fargos ability to keep up with its competitors among major banks. Most recently, the bank has had to sell hundreds of millions of dollars in assets to stay under that cap even as competitors expanded their corporate lending in the coronavirus crisis. 

The latest moves come as Wells Fargo CEO XXXX XXXX looks to conclude a strategic review of the company that he launched upon joining the bank last fall.
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BBVA FINANCIAL CORPORATION (WA)

There was a purchase out of XXXX made on XX/XX/2020. I called BBVA mid XXXX ( per their notes ) and stated the card was used without my knowledge and they issued a new card with a new card number. They have since dinged my credit, lowered my available credit on the card ( causing utilization issues ) and have sent many, many, collection notices. I called today ( XX/XX/2020 ) and they told me they closed the dispute because " I lost the card and am responsible '' for the charge. I have the card in my possession and never did I claim to have lost it. I have already disputed the card on all three credit reports and have had a fraud consumer statement put into place. They told me they can not open another dispute but can " file a complaint '' with my " new '' information I am providing. That resolution is unacceptable and I refuse to pay for a fraudulent charge.
Consumer complaint received 2020-05-26
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. (AR)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw 2 unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$3500.00} XXXX XXXX {$6000.00} DEPTOFEDUCATIONXXXX   XXXX {$3500.00} DEPOFED XXXX XXXX XXXX {$3500.00}