davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/19 I visited a bank of America branch located at XXXX XXXX XXXX XXXX XXXX NC XXXX at approximately XXXX. I attempted to make a cash deposit for {$600.00}. The atm malfunctioned and attempted to take my cash. I was able to get {$140.00} back out of the atm the remaining {$460.00} was sucked into the atm. immediately a message appeared stating we can not process your transaction. No receipt provided, it just took my money and said error. 

I immediately called into the disputes dept to file a claim. The representative asked for an ID number for the ATM. I told her as I had no receipt all I can tell her is that it was the atm in the middle lane as this location has 4 ATMs in its drive thru. 

The representative advised she saw the atm that had malfunctioned around the time of my call and stated that was the atm she would make the claim for. I asked her how she could be sure she was filing the claim with the correct atm, she assured me that she had the correct one because the system could see which one had an issue. 

A month later I get a letter stating my transaction was located but no cash was found. I would be debited {$460.00} on XXXX. 

I escalated the issue to the CEO 's department and I was told that because my money was not located they could not credit me. I asked what means were taking to investigate. I wasn't given any details except that a cash count was performed. I asked on which day? they couldn't tell me stating Bank of America proprietary information. 

I was never given a transaction ID to prove that they actually located the transaction. I was never given any description of how they went about looking for my money. 
I told the representative to pull the video tape of me making the deposit. 
She stated she was unable to see what went into the machine. 


The representatives at Bank of America are telling me that my money is gone and theres nothing they can do about it.
Consumer complaint received 2021-09-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have requested and disputed inaccurate information reported to credit bureaus by XXXX XXXX XXXX since XXXX  and asked them to validate the debt. I filed a CFPB several times since XX/XX/XXXXand have received no response. I have also filed several disputes with Transunion who also refuses to provide any documentation to validate the debt. According to FDCPA, Since both XXXX and Transunion failed to respond to these validation request within 30 days fromXX/XX/XXXX, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Also, since every action XXXX & Transunion has taken is considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This will include any listing of any information to a credit-reporting repository that could be inaccurate, invalidated or malicious. Since XXXX I never received any notification from XXXX that is required under FCR guidelines. Also at that time they reported that the debt was owed to XXXX XXXX ( I paid the surety bond directly before move in ). Once I disputed with XXXX, they updated the original creditor from XXXX XXXX ( never made any collections attempts ) to XXXX XXXX XXXX AFTER XXXX XXXX XXXX received XXXX XXXX XXXX payout. This collection tactic is deceitful. I have attached the copy of my XXXX  credit report as proof that XXXX and Transunion switched the original creditor from XXXX XXXX to XXXX XXXX XXXX on my credit reports.
Consumer complaint received 2020-08-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Re-finance loan application with Wells Fargo stuck in limbo. 

Overall ask : Where do I go to issue a formal complaint against Wells Fargo? Refinance loan process over 120 days now, and no end in sight. This is for a 2nd Rental house. Primary residence and 1st rental property mortgages serviced by Wells Fargo as well. Thought it would be easy to get all mortgages under 1 roof. Wish I had thought differently. 



Started the process in XXXX. Application formally submitted XX/XX/XXXX, ~ {$700.00} paid for Appraisal / Processing fees All key requested documents Tax, Bank, Retirement, Insurance, Pay Stubs submitted XXXX conditional approval received, XXXX closing date promised, additional docs requested all key documents submitted XX/XX/XXXX additional documents requested and submitted. XX/XX/XXXX closing date set. Title company reached out for details. 
XX/XX/XXXX informed that due to COVID, underwriters are busy and I should re-submit bank statements. No closing date promised. 
XX/XX/XXXX informed me that my rate lock period has expired. Theyll wave the fees if I agree to stay patient thro the process. No clarity on closing date. 
Last few communications the bank keeps asking if I want to cancel the application. Unsure why. The {$700.00} is non-refundable. 

Ive been stuck with these guys for 4+ months. Can not look for other investments Isnt there a time threshold to either process or decline a Loan application. Seems like they are asking me to withdraw the application. Why?
Consumer complaint received 2019-03-18
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. (GA)

I'm in the market for a home and my realtor ask me how's my credit i was thinking it was pretty good until i actually checked it. Upon checking my credit report i saw a couple of items that are not mine. I need these items removed from my credit report XXXX, XXXX, XXXX XXXX, XXXX.
Consumer complaint received 2019-03-18
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: EQUIFAX, INC. (GA)

I'm in the market for a home and my realtor ask me how's my credit i was thinking it was pretty good until i actually checked it. Upon checking my credit report i saw a couple of items that are not mine. I need these items removed from my credit report XXXX, XXXX, XXXX XXXX, XXXX.
Consumer complaint received 2018-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

i deposited a check in to my Chase account for {$21000.00} on XX/XX/XXXX, XXXX the check was from XXXX XXXX XXXX . the amount showed up in my Chase account and the value date is 2 business days. After, Chase decided to put a hold on the check and when i called several times to ask why, they had no answer for the next 11 days. i saw that the amount was already withdrawn from the XXXX XXXX XXXX Account the same day as my depositing the check. No explanation from Chase Bank as to why the hold in the first place. and after 11 days of me asking the same question over and over again, i got nowhere. Only after complaining to the executive office of the customer service, that someone called and told me the hold is off. after 11 days from depositing, with no explanation other than telling me the funds are available NOW, the XXXX of XXXX. I also asked them as to why the Hold? and no explanation. I also asked to have some sort of a paper stating when exactly the actual funds were available, they said they can not provide anything like that and that the funds are in my account off of hold as of today, XX/XX/XXXX, XXXX i would like to know why they put a hold on my deposited check? i would like to know why the funds were not available in my account for my use for 11 days? Knowing that the check amount was cleared from XXXX XXXX XXXX. And what do i do if this happens again, as it has previously.The company never provided me the date of when the money came in and why it was being held, the company also open a case on XX/XX/XXXX.
Consumer complaint received 2021-02-26
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: EQUIFAX, INC. (AL)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (MI)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that AMERICAN EXPRESS has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-28
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. (TX)

XXXX  is reporting incorrectly a balance due in the amount of {$4800.00} on the XXXX  - partial account number XXXX. Experian and XXXX  are reporting correctly a {$0.00} balance due on the XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) The vehicle was sold at auction and sold for more than the outstanding balance due and consequently there is no balance due. This account needs to report a {$0.00} balance. This incorrect reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-09-22
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-03-18
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: EQUIFAX, INC. (WI)

I contacted Equifax to dispute 3 accounts with no creditors listed that were reporting on my credit file with Equifax. They were informed about the missing information on several occasions beginning in XX/XX/XXXX/XX/XX/XXXX & again from XX/XX/XXXX to XX/XX/XXXX. 

The accounts are as listed : XXXX for {$220.00} XXXX for {$240.00} XXXX for {$120.00} After disputing these accounts with Equifax they sent a report that stated all the accounts were verified but haven't stated who the credit is supposed to be not even a Name or Address of the creditor 's who I supposed to be in debt with. 

All accounts that are listed are violations for that reason so I would like for those accounts to be immediately removed from my credit file and to receive an updated credit reflecting those changes.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MI)

i have contacted all XXXX credit bureaus as well as XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off and it is also reporting a credit limit and a high credit... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX year history it is not uniform across the board which it should be...
Consumer complaint received 2019-03-18
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ameritech Financial (NY)

I am one of the victims of Ameritechs fraudulence. They claimed they would lower my repayment and acted as a go between on behalf of myself and my government loan. I paid them {$89.00} a month for over a year. I must have paid them a couple thousand dollars, for no reason. When I tried to end business with them, the representative on the phone pressured me to stay with them, otherwise they said I would be making a mistake.
Consumer complaint received 2018-02-20
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: EQUIFAX, INC. (CA)

Yes, I am a victim of a mistake by XXXX XXXX XXXX XXXX. They made a mistake on my case by explaining how their arrears dates work. I was under the clear impression that I was only one month behind on Child Support because I made my payment on XX/XX/2018. However, it was never explained to me that if the payment does not get into their system by the first of the month, it automatically goes into arrears! 
It takes my XXXX XXXX autopay about 4-5 days to go through their system. They went ahead rudely and illegally submitted my case to collections which hit my credit report- lowering it and causing a huge problem now with getting the collection off. I immediately called them and put thebalance on my credit card and paid them up in full but now I have a mistake on my credit report! I need help with this.
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

For the dates of XX/XX/XXXX thru XX/XX/XXXX totaling in the amount of XXXX was all fraudulent transactions. In the month of XX/XX/XXXX I notice these fraudulent chargers. I then found out that a friend of mines, XXXX XXXX, had stolen my card. As months progressed he ended up stealing 6 credit cards. XXXX is the only credit card company that Im having trouble with pertaining to my credit cards. Its an insult for me to received a letter stating that I participated and benefited from his transactions. Ive been dealing back and forward with XXXX since XX/XX/XXXX. The first time ( XX/XX/XXXX ) and last time ( XX/XX/XXXX ) they told me that I couldnt dispute because its someone that I know. In the month of XX/XX/XXXX they credit my account XXXX but when I question them about the portion credit they again reopen my claim. Two months later they put the transactions back on my account. XXXX is not honoring the zero fraud liability policy. XXXX XXXX was arrested on XX/XX/XXXX for theft of my credit cards
Consumer complaint received 2019-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (FL)

I attempted to get internet service with XXXX XXXX, but after several attempts to start my service they were never able to secure my connection. Therefore being in the 30 days window of service, I cancelled the service due to failure to secure a internet connection at my residence. I call XXXX ( XXXX ) and got a confirmation cancellation.
Consumer complaint received 2019-03-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

Portfolio recovery services calls me multiple times a day claiming I owe XXXX dollars for a credit card opened in my name. I was a victim of identity theft. They call sometimes 5 times within 10 minutes from different numbers. I already informed them of the identity theft but they dont listen to me. They called me Sunday night at XXXX and have called before XXXX and after XXXX multiple times.
Consumer complaint received 2022-05-01
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. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

I was transported via ambulance from XXXX XXXX XXXX to XXXX XXXX by XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX aka XXXX XXXX XXXX, aka XXXX XXXX XXXX on XX/XX/XXXX. They are an out of the network provider. Their services were selected by unknown person ( s ) at XXXX XXXX XXXX without my specific knowledge. I was billed {$1500.00}. XXXX insurance covered amount {$1100.00}, leaving a patient responsibility balance of {$200.00}. The {$200.00} balance was paid in full through XXXX 's payment processor, XXXX, on XX/XX/XXXX. I have an online receipt available through XXXX. There was a disallowed amount of {$160.00} as referenced on the XXXX EOB : " XXXX - XXXX XXXX XXXX : THE SUBMITTED PROCEDURE CODE IS DISALLOWED BECAUSE REIMBURSEMENT IS INCLUDED IN THE PRIMARY SERVICE. Since then I have been repeated harassed by telephone by Wakefield Associates, XXXX TN claiming an outstanding balance due of {$360.00}. During several phone conversations in XXXX, they were informed that the debt was paid in full to the original debtor and to stop harassing me for a debt that is not owed. Their latest phone voicemail was left on XX/XX/XXXX at XXXX AM EST. They continue to phone my mobile number on XXXX and leave a voicemail " ... call so-and-so at Wakefield Associates '' without a mentioning a reason for the call or identifying their identity as a debt collector.