davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My complaint involves Bank of America reporting a closed savings or checking account ( I believe ) for suspected fraud activity although I have reported to them that this account is not mine and must be the result of ID theft. When I found out about this reporting I alerted XXXX  via online dispute and Bank of America sent a one page internal screenshot of a form with my name typed into it. So XXXX  marked as verified although I am not sure how that verified anything. Subsequently, I called Bank of America and after several hours I finally got to report the account as fraudulent and I was sent a Uniform ID Theft form to be filled out, signed, and returned with a copy of my ID ; which I did. A couple of weeks later I receive a letter from Bank of America saying that no ID theft was detected and this blemish remains on my consumer reports ( i.e. XXXX, XXXX, etc. ) although Bank of America has amended to include SETTLED IN FULL in the Closure Status line. How is this legal, moral, just, or ethical? Bank of America has yet to tell me why this was even suspected of fraudulent activity. All I have received from them is that one page mentioned earlier. Nothing that I signed, no real account info, nor any kind of insight into why they are refusing to remove this against proper procedure and various consumer protection laws. I have been forced to postpone the opening of a law practice and other business ventures due to this incorrect and fraudulent reporting. I can not obtain a proper business bank account and take advantage of business banking offers, etc. Moreover ( and more importantly ), I have no chance at being able to open an XXXX account for my law practice, thus costing me substantially. Not to mention as an attorney and seeking employment, having a suspected fraud negatively reporting on my consumer reports is long dead end road that I did not even know I was on. I have even sent Bank of America a verification page that my info/data was stolen in the XXXX Data Breach of 2017 among other numerous data breaches. This account is not, was not, and will never be mine. I don't know what else to do to get Bank of America to understand this. It seems to be some one of those internally started accounts probably for some promo for sales people or something. I DON'T KNOW! ALL I DO KNOW IS I ( THE PERSON THEY ARE NEGATIVELY REPORTING IT AGAINST ) HAD NOR HAVE NOTHING TO DO WITH IT AND IT'S NOT RIGHT THAT THIS BIG BANK WHO GLADLY RECEIVED OUR BAILOUT FUNDS CAN NOT HAVE PROPER PROCEDURES IN PLACE TO ENSURE THESE THINGS DON'T HAPPEN AND WHEN THEY DO MAKE SURE THEY ARE NIPPED IN THE BUD AND NOT AFFECTING THE LIVES OF EVERYDAY PEOPLE JUST TRYING TO MAKE IT. IT'S DISGRACEFUL, DISGUSTING, SHAMEFUL, AND UNJUST
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : The account information is below : Capital One Auto Finance
Consumer complaint received 2021-12-02
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: Uplift, Inc (MA)

These accounts do not belong to me. Please remove the negative items as soon a possible, because they are hurting my credit. 

1. Identity Theft XXXX  Account Number : XXXX**** This is not mine.

2. XXXXXXXX XXXX UPLIFT INC. 
Account XXXX : XXXX This is not mine.
Consumer complaint received 2021-02-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (MO)

On or about XX/XX/XXXX Title Max repo my and my spouses XXXX XXXX XXXX the vehicle loan was in my name only and NOT my wifes therefore she has rights to said vehicle in that she is NOT a co-borrower she personally contacted Title Max on XXXX XXXX in XXXX Mo and advised them she intended to pay Monday XX/XX/XXXX and the Manager at said location said ok and verbal agreement was entered. However the highway robbery XXXX company Title Max lied and repoed said vehicle in my opinion stole it and violated Missouri Law and possibly Federal Laws in that my spouse was under No obligation and it is half hers therefore she has legal claim to said vehicle she is seeking a court order stating this and she will be filing a lawsuit against Title Max in that she has phone record of said verbal agreement and has legal claim to vehicle.
Consumer complaint received 2022-04-27
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. (NV)

I HAVE SENT SUPPORTING DOCUMENT TO TRANSUNION MULTIPLE TIMES VIA CERTIFIED MAIL PERTAINING TO A BANKRUPTCY THAT DOES NOT BELONG TO ME. I CALLED TRANSUNION ONLY FOR THE XXXX XXXX IN THE FRAUD DEPT TELL ME THAT HE WILL NOT REMOVE THE BANKRUPTCY EVEN THOUGH I SENT IN THE SUPPORTING DOCUMENT. THE XXXX XXXX GOES TO STATE THEY DID NOT RECEIVE ANY DOCUMENTATION. I TOLD XXXX THAT I SENT IN DOCUMENTATION IN XXXX XXXX  CERTIFIED AND TRANSUNION SIGNED FOR THE MAIL, ALSO I HAVE SENT IN DOCUMENTATION THROUGH CFPB THAT TRANSUNION CLAIMED THEY NEVER GOT. I CALLED US BANKRUPTCY COURT AND I REQUESTED HOW THEY VERIFY DISPUTES WITH CREDIT REPORTING AGENCIES. I WAS TOLD US BANKRUPTCY DO NOT VERIFY OVER THE PHONE NOR DO THEY VERIFY ANY INFORMATION WITH THIRD PARTY COMPANIES OR CREDIT REPORTING AGENCIES SUCH AS XXXX, TRANSUNION, OR XXXX, ALSO ONLY THE LAST XXXX DIGITS ARE SHOWN FOR A BANKRUPTCY NOT THE FULL SOCIAL. I HAVE NOT FILED BANKRUPTCY! TRANSUNION HAS NOT VERIFIED WITH THE ORIGINAL FURNISHER WHICH IS THE BANKRUPTCY COURTS! IF CFPB IS SUPPOSED TO SEND MY ATTACHED DOCUMENTS WITH MY DISPUTE THEY HAVE NOT BEEN DOING SO! TRANSUNION STATED THEY HAVE NOT GOTTEN ANY DOCS FROM CFPB SO SOMEONE IS NOT DOING THERE JOB! NO CONSUMER SHOULD HAVE TO SHOW BURDEN OF PROOF WHEN THEY CLEARLY IS UNAWARE OF SOMETHING ON THEIR CREDIT THAT DOES NOT BELONG THERE. I WILL ALSO BE COMPLAINING TO FTC ABOUT CFPB NOT SENDING SUPPORTING DOCUMENTATION WITH DISPUTES FOR CFPB! I HAVE SENT IN A COPY OF MY PASSPORT, MY BANK STATEMENT FOR ADDRESS CONFIRMATION, AND THE LETTER THAT STATES, " THE BANKRUPTCY WAS NOT VERIFIED ''. AND TRANSUNION STILL REFUSE TO REMOVER ERRONEOUS BANKRUPTCY! TRANSUNION IS A LIE! THIS IS MERELY A PAPERTRAIL FOR ME TO PRESENT IN COURT! I HAVE HAD ENOUGH! REMOVE THE BANKRUPTCY IMMEDIATELY! I TAKE MY CREDIT SERIOUSLY! I HAVE ATTACHED DOCUMENTATION FOR THE LAST TIME!
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have paid my account as agreed but the company keeps reporting an inaccurate information on my account, they marked it as late payments. On XX/XX/2020 I wrote to the credit bureaus and requested information about an account they are reporting on my credit report but they never responded. I advised them that if they failed to respond and/or comply with the law, then they would be subject to fines and damages, per the FCRA.
Consumer complaint received 2021-02-05
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. (TN)

Was never able to get in contact with the original creditor about the alleged debt before it got sold to XXXX. A affidavit was sent a long time ago but XXXX XXXX XXXX, Chooses to ignore it. They bought the debt from another creditor and I never seen a letter from the original creditor, never even heard of the company. The original creditor failed to contact me. I was never notified from the original creditor not even a demand letter
Consumer complaint received 2024-03-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: JPMORGAN CHASE & CO. (CA)

Couple of my mortgage accounts with JP Morgan Chase were in forebearance between XX/XX/XXXX- XX/XX/XXXX. When the forebearance neared the end, Chase didn't act on time and asked me to make XXXX month of payment on both accounts to defer only 12 months of payments to the end of the loan. I made the payment. Chase sent me the deferment offer letter for both accounts. I accepted the deferment offer on both accounts on XX/XX/XXXX by calling the number provided on the letters. XXXX of the accounts became current right after that and I was able to resume payment on XX/XX/XXXX. I followed up on the status of the other account XXXX and I was told that the deferment is under process. I again followed up on XX/XX/XXXX when I couldn't make payment on this account. I was told by the agent that it is still under process and I'm protected by the forebearance law until the processing is completed. On XX/XX/XXXX, I received alerts from the credit monitoring services that my XXXX XXXX dropped from XXXX to XXXX due to a delinquent mortgage account with more than 180 days late payment. I called Chase to investigate on what's going on with the deferment processing and why the protection was removed. There is no clear explanation from Chase on what happened and why I was penalized for following everything I was asked to do. Later, Chase told me that due to a missed workflow in their processing, my deferment got stuck in a limbo and they found that on XX/XX/XXXX. I was told that the deferment processing has started again but due to their mistake, there was no forebearance protection between XX/XX/XXXX and XX/XX/XXXX. I requested them to reverse the credit reporting which they refuse to make by saying it was appropriate even though they made the mistake. Please note that there was no communication made to me during this time.
Consumer complaint received 2021-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

The money in the estate account that I controlled was removed with XXXX fraudulent checks between XXXX and XXXXXXXX XXXX because the XXXX fraud protection had collapsed. There were many indicators that the checks were fraud but due to XXXX 's carelessness they made unauthorized payments to XXXX XXXX. The XXXX resolution after the initial dispute process was that one check would be given credit and the other checks were denied because of bank policy. The care management team is for the care of XXXX and not the customer. That is why I am reaching out to the Consumer Financial Protection Bureau for help because they are not operation fairly. The important issue is that all the money in my account was stolen while it was in their care. I was trusting them to keep it safe. There was a crime and the law was broken.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

AGAIN EXPERIAN SAID MY ADRESS HAD RECENTLY BEEN UPDATED AND FIXED BUT WHEN I LOOKED THEY PUT THE WRONG ADDRESS ON MY PERSONAL INFORMATION, I AM VERY UPSET THIS IS ALREADY THE 5 TH WEEK AND LIKE 20 DISPUTE AND THE RESULTS ARE STILL WRONG
Consumer complaint received 2020-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NY)

I am a victim of identity theft. I contacted XXXX XXXX XXXX and notified them that the account they are trying to collect is a result of the theft. 
It's now more than 30 days later and the account still appears on my credit files.
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, Bank of America decided to close my credit card without prior warning or reason. The notice which I received from Bank of America was emailed to me on the day it was closed, XX/XX/XXXX. Bank of America subsequently mailed me a letter that was intended to " explain '' why they made their decision. However, when the letter arrived it provided no specific reasons. Instead, it simply listed a list of possible reasons as to why a credit card would be closed. It provided no clarification or evidence that went into the decision of my card being closed. 

Upon reaching out to Bank of America by phone, the associate I spoke with said that they would send me more documentation in order to help provide more information and details. However, despite having that phone call, I never received that letter. 

It is now XX/XX/XXXX, nearly four months since they closed my account - an account which I held with them for nearly 7 years, and I have no idea why. I maintain a very, very strong credit score and had a dependable record of monthly payments for the card in question. And so I feel compelled to assume that Bank of America closed my account for unjustifiable reasons and is trying to avoid addressing and fixing this issue which I know to be a mistake.
Consumer complaint received 2019-08-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (WV)

This started with the XXXX  credit bureau. On my credit report it detected a DORMANT Macy 's activity on XX/XX/19. I think it started out with only {$78.00} and change. It's now up to XXXX and change. Like I've told them, it's no problem for me to pay if it were my bill, but it's not so I'm not paying it. I have shouted to the rooftops over and over to this day that I do have that card and have never used it at all. I began a dispute with all three credit bureaus the very next day XX/XX/19 and since I'm new with that, my first mistake was including cleaning up everything else in the reports so they ignored my Macy 's dispute. I finally filed a FRAUD report on XX/XX/19 on Macy 's. They did what they're supposed to do, locking my account for one year and letting me know I can extend it to seven years, etc. BUT no investigation. I had to file disputes against Macy 's at least 3 times or so and each time it came back however the results say that I'm responsible. I went to Macy 's and had a chat with them 2 different times ( I'm deaf ). I saved the transcript, faxed them to the credit bureaus and nothing yet but XXXX seems like they do want to help. They wrote back and said my fax was too blurry and asked me to send everything by postal mail which I'm going to do today. It would've been much sooner had I not have so many health issues , dr appointments out of town and in town, and so on and so forth. But today is the day I'm getting everything printed, copied and mailed. I just happened to see your site and this is hopefully my nail in the coffin with all my hard work since this all started in XX/XX/XXXX. Macy 's is very uncooperative. They refuse to tell me any type of paper trail of how the transaction occurred, who paid any bills, etc. They did manage to tell me the transaction in XX/XX/XXXX was for a pillow! I said no way would I ever purchase a pillow online,, that is something I need to purchase right there in a store, to feel it to see if it's comfortable, etc. The chat agent hurried up and disconnected before I had a chance to tell her no, I can not call that number I am deaf. Then I inititated another chat right away to say just that and the next agent did the very same thing, cut me off while I was saying hey don't do that to me! So the credit bureaus were NOT investigating at all, just going by Macy 's word, and Macy 's never cooperated and still isn't. Meanwhile, my credit score has taken a major plunge. This has been a total nightmare. I had just built my credit score up to close to 700, now it's down somewhere in the 500 's, I don't even want to look at it, it makes me sick.
Consumer complaint received 2017-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (SD)

Loancare has used my escrow account and depleted it and is trying to charge me additional money to reimburse the escrow account. It is the first year of owning my home and they have not even paid ANY taxes our the escrow so it is not possible to have an increase. Also my house insurance rate went DOWN, so again there is no possible way this should have been increased. I have called on multiple occasions to ask for an escrow review and they have not responded or fixed this. They need to do a review of my escrow account and the illegal charges they have charged me. I need to reimbursed for the additional fees they added to my escrow account. They are trying to ILLEGALLY increase my mortgage payments by {$82.00}.
Consumer complaint received 2022-04-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2021-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY (NC)

I received an email on XX/XX/XXXX that my new credit card was being shipped to an address I was not familiar with and should arrived in 3 - 5 days. I had no prior contact regarding this action. 
When I called the individuals name was provided which was foreign to me. My credit card was cancelled and a new one is being issued. When I asked how they could issue a card without first contacting the principle account holder to confirm, I was told that if the full card information is available they will add the individual and send out the card. I asked if the last four digits of my social security number was provided since that is always requested of me. I did not get a direct answer. 
At my request, I was transferred to the Fraud Department who could add no further detail but did mention that the information is easy to obtain on the dark web. 
When I went to Florida in XXXX I conducted some business with the bank through my XXXX. The next day I got an email indicating my account had been accessed from a different device and that no action was necessary if it was me. 
I believe the policy that allows a credit card to be issued without checking with the principle account holder abets fraud. It is unimaginable that with the ease of acquiring personal information that this would be permitted. 
No financial loss occurred so the Sheriff 's Department closed the case but did establish a record. No answer as to whether or not the bank would initiate any action. 
The company is Wells Fargo. It begs the question as to whether or not representatives get a stipend for new cards issued.
Consumer complaint received 2021-02-05
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. (NY)

I sent letters to all Transunion, XXXX  and XXXX  about unauthorized reporting on my credit report.I first disputed on transition and they was able to take it off. The other bureaus have not responded to my letters yet and it has def passed the 60 day mark.These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA
Consumer complaint received 2021-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

On XX/XX/2021, I visited an XXXX store in XXXX, New Jersey. I was interested in financing the purchase of a new XXXX. I submitted an application, however, the application was declined. I received an email from the bank informing me that there was unsatisfactory experience with a creditor. upon checking my XXXX XXXX report, I have noticed that there are a total of XXXX negative marks on my credit file. I submitted a complaint against XXXX XXXX for an accurate information. On XX/XX/XXXX, I spoke with a representative from the bank, who informed me that XXXX held the specific information, and that I would need to deal with them. I again reviewed the information contained in my XXXX XXXXXXXX file for XXXX and found no negative information. As a consumer, it is very disheartening to find out that there is information being hidden from me, and is causing me to be declined for credit. on previous occasions, I have asked each of the credit bureaus to provide evidence of a valid negative XXXX, to which they have either not responded, or simply not provided the requested information. as a consumer, it is extremely frustrating to know that I have to continuously pay for credit monitoring services, or the ability to receive my credit report, in order to receive all information. The credit bureaus claim that I have the right to know what information is in my credit file, so why is information being hidden from me, or being placed behind a pay wall. According to my XXXX XXXX file, I have no late payments with any financial institution. I have a 100 % on time payment history with all of my creditors.