davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Today, XX/XX/2020 I deposited a check for the amount of XXXX dollars from XXXX XXXX. I deposited the check in the BANK OF AMERICA ATM in XXXX, MA and the funds were coming from a LOCAL bank, XXXX XXXX XXXX, in XXXX MA. I was told by my banking institution BANK OF AMERICA, that the check would be delayed for 6 days until release and no part of the check would be deposited before that day. i asked why that was as this wasnt bank policy before and they told me they just changed their policy and refused to notify any of their patrons for verification and acceptance. Aside from this, they are apparently breaking a federal law which is as follows : According to XXXX, federal regulations require that local funds deposited via an ATM must be made available no later than the second business day after the deposit, as long as the check was deposited on a banking day ( mine was ), and the check was deposited in an ATM owned by the depositors bank ( it was ). Non-local checks can be held for five business days, but not a day longer. 

Again my check was local and deposited into an ATM used by my bank. I tried to resolve this issue with my bank but was unsuccessful
Consumer complaint received 2020-05-18
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I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion report file. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavi
Consumer complaint received 2020-09-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (HI)

There was no category for coercing payment. I was trying to buy a home, I was pre approved. When trying to finish my application after my offer was accepted, a collection reported on my account. I was told it must be paid and cleared for my mortgage to go through. I called TransWorld Systems Inc. to verify the debt so I could pay it later as I was buying a home. The agent then pressured me to pay that day under the promise of removing it from my report so I could then go forward with my mortgage. I was promised total account deletion by TransWorld Systems , INC for full one time payment within 90 days of collection being opened. I did not get anything in writing, not the debt or the promise to delete for payment. I Contacted the company Several times to remind them to remove it from my credit as I was trying to buy a house. I was then told that unless I have an email or letter, they will not remove anything. I contacted the original creditor and they told me they had expedited the account for deletion by their collection representative because I did pay immediately in full. It has been 2 months and its still ruining my credit and I lost my ability to buy a home. I only paid that day ( XX/XX/2020 ) without proof because the company promised to delete the collection and I needed it gone to buy a house. I was coerced to pay an unverified debt because they knew how impactful their collection would be in my ability to obtain financing.
Consumer complaint received 2017-09-13
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CFS2 Inc. (GA)

XXXX XXXX has called my job where I work in a call center. So any of my coworkers can get the call and they are trying to track me down. The problem with this they number they are calling for my job they are not supposed to call that number because they number is for internal use only. When I explained that to XXXX he continued to talk over me in a very rude and condescending manner. He basically told me it 's their job to track me down and they have a right to call my job if they can not reach me on my personal number. I asked him to stop calling my job and to take my jobs number out of their system. He would not provide me proof of this and continued to be condescending to me. They can cause me to lose my if they do n't stop calling my job. It is adding stress to me that I do n't need.
Consumer complaint received 2023-05-15
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. (DC)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX  XXXX XXXX  XXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX  XXXX XXXX XXXX : {$210.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : {$71.00} XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00}.
Consumer complaint received 2020-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CA)

LVNV Funding, LLC is pursuing to collect an unsubstantiated debt. They have failed to confirm the origin of the debt, and have continued to report on my personal credit report. 

Listed on this personal credit report is an initial date of XXXX, which is far beyond the allowed time to pursue a debt in the state of California ( see below ).

California has a statute of limitations of four years for all debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts like credit card debt, lenders can not attempt to collect debts that are more than four years past due. 

Not only has LVNV Funding failed to provide proof this debt is even valid, they have continued to report inaccurate information to XXXX and XXXX
Consumer complaint received 2017-08-08
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. (MD)

I contacted All 3 credit reporting agencies via email, fax and online disputes regarding a dismissed and discharged bankruptcy on my report as well as XXXX XXXX and other agencies to remove the bankruptcies from my reports. As of XXXX XXXX, 2017 with the new law that came out, bankruptcy should not be on my report because it does not include the information as allocated by law being my name, date of birth AMD social and according to my bankruptcy court they do not disclose public information to credit reporting companies..after several attempts, disputes and efforts. It still has not been removed and this is clearly a violation and inaccurate information.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

On my credit re port I have balance of over {$6000.00}, that I owe to credit cards. It's incorrect. The only balance I have it's on my XXXX XXXX card and it's over {$800.00} and it will be paid by the due date The delinquency problem with XXXX XXXX was created by XXXX XXXX. Since last XXXX I had unpaid balance on XXXX XXXX card for {$42.00}. All statements XXXX XXXX were sent to the wrong address. I live at the same address for over 30 years and never moved nor applied for change of an address. Not once XXXX XXXX  contacted me by phone or email to inform about the problem with my address. The balance were paid off and yet it's in my data. I totally oppose to have as delinquency, because of XXXX XXXX irresponsible actions. 
My monthly income amount shown in my report also incorrect. 
There XXXX addresses in my credit report and 2of them are incorrect. 
I never lived at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. That's a commercial address for XXXX XXXX. 
The address for on XXXX XXXX is incorrect. The correct address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX. That's the address, where my mother used to live and was a co-owner. Last XXXX my mother passed away and that apartment will be sold.
Consumer complaint received 2020-09-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INVESTORS BANK (NJ)

This complaint is in relation to the loan process for my residential condominium mortgage with Investors Bank. I embarked the mortgage journey with Investors Bank at the end of XX/XX/2020. I received the approval letter nearly 3 months later, on XX/XX/2020. 

Investors Bank attributed the failure to deliver timely underwriting to the bank 's lack of operational capacity. The Bank 's operational limitation did not hinder it from making sales pitches that promised me, its customer. As a result of the delay, we, the customer, are bearing financial costs including lease extension and duplicated moving costs. Investors Bank should lack of accountability for its failure to provide promised service. 

Certain incidences that caused the significant delay include : 1. While the process formally kicked-off beginning of XX/XX/2020, the file was not reviewed by Mr. XXXX and team until XX/XX/2020. 
2. While we submitted Home Insurance to Investors Bank at the beginning of XX/XX/2020, Investors Bank failed to incorporate it into our package. Resulting in a delay. 
3. Investors Bank sent the Condominium Questionnaire to the wrong Association. Consequently, Mr. XXXX erroneously told us our condominium is unwarranted. I had to personally review the questionnaire to advise him of his mistake. Resulting in considerable delay. 
4. Investors Bank appraised the property twice, resulting in a duplicated charge. My fianc and I subsequently discovered this error. 
5. Investors Bank requested the building manager for Master Deed, bylaws and followed-up today ( XX/XX/XXXX ). However, the building manager confirmed she already submitted the documents on XX/XX/2020.  Resulting in further delay. 

I escalated this matter to Mrs. XXXX XXXX on XX/XX/2020. It is unclear why the loan continues to be delayed. When I questioned Investors Bank around its lack of accountability, one of its SVP proceeded to insult my integrity. I am questioning if it is the banks capacity issue resulting in deterioration in service quality, or the delay demonstrated ethnic discrimination against XXXX. 

Thank you.
Consumer complaint received 2020-05-18
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. (LA)

I filed a dispute letter in regards to incorrect items on my credit report. Its been a week over the 30 days and i have not received information regarding dispute.
Consumer complaint received 2020-09-21
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. (CA)

On XXXX XXXX I paid my loan in full and received document that the account was " PAID IN FULL " from XXXX  XXXX XX/XX/XXXX on XX/XX/2019. Upon checking my credit report they reported me 30 days late on this specific account for XX/XX/2019. 

I follow-up with XXXX XXXXXX/XX/XXXX and Trans Union to try and resolve account amicably and they do not want to resolve this 30 day late when I have provided them documented proof they actually issue for final payment. 

XXXX  XXXX XXXX replied as reported late although I have paid the loan in full. 

It appears that these consumer disputes only go one way from DATA FURNISHER to Consumer reporting Agency. THE CONSUMER HAS NO RIGHTS.
Consumer complaint received 2023-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

I lost my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX during the years XXXX to XXXX. The home was in the Town of XXXX XXXX XXXX XXXX, State of XXXX XXXX. Wells Fargo forced me into foreclosure XXXX XXXX  Bankruptcy. They consistently failed to provide me a loan modification. I am told I am part of a minimum {$24000.00} settlement. My name at the time was XXXX XXXX XXXX. I have since married and am now known as XXXX XXXX XXXX. The attorney for Wells Fargo, XXXX XXXX was cited for foreclosure fraud.
Consumer complaint received 2020-05-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (KY)

The 2 student loans were through sallie Mae then transferred to Navient, who has added obscene charges and refused to work with me while I was on XXXX XXXX in the XXXX from which I was XXXX  XXXX and put on XXXX. Navient has and continues to report false information to credit bureaus. Stopping me from useing VA loan to buy a house.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

According to the FCRA, I have the right to dispute any information on my credit report that I believe is inaccurate. I will not stand for any misinformation being associated with my name and financial history. If there is something on my credit report that doesnt seem right, I will take action to get it removed. I request that you investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from my credit report. 
The information you provided is inaccurate and does not meet the minimum standards for accuracy. I demand that this be fixed immediately or else legal action will ensue! Inaccurate, imperfect information has no place in your database or on my credit report so please delete it now.You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, XXXX, MI XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.
Consumer complaint received 2023-01-19
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)

The below listed below accounts are on my credit report but do not belong to me. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-21
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. (FL)

Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2022-04-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (TX)

My husband and I bank with XXXX, but our car loan was with Wells Fargo. We decided to pay off our car loan but werent sure how to go about it. We contacted Wells Fargo first but were told we could not pay $ XXXX by phone and that we would first need to increase our credit limit and visit a WF branch in person to make a payment abs we could use a debit card to do so. Next, we called XXXX and explained that we wanted to make a $ XXXX pmt on our WF loan and asked what we needed to do. Their only helpful suggestion was to increase our credit limit for the day. My husband then went into the WF branch to make the pmt. His banker was a young girl ( XXXX XXXX on receipt ) who seemed new and didnt know how to process his large pmt. My husband offered to go to XXXX to get a cashiers check and speed up/simplify the process. The banker said she would get her manager to help her. The manager then did over rides and told my husband, let me try this after asking for his debit card. A day or two later, we noticed a non ATM fee of almost {$900.00} charged to our account. Not once were we ever advised of the possibility of a bank fee if we allowed our debit card to be used to process our $ XXXX pmt. We opened complaints with both WF and XXXX executive depts. WF stated the bankers who assisted my husband claimed to have informed him they were processing a cash advance and advised him of possible fees-this is a complete lie. The signature line of his receipt is blank. Nothing was explained, she did over rides on everything and nothing was explained. I followed up with XXXX from the executive dept on XX/XX/22, to ask for a resolution. XXXX informed me that a notice was sent via mail and the manager denied any misinformation. XXXX went on to say that if he was in my position, he would have done more research before making the payment because there was no need to make a $ XXXX payment right away. I am absolutely blown away by the lack of tact, professionalism and compassion. We do not have to disclose our family dynamics nor finances to XXXX. We simply need our money back and for Wells Fargo to chose to assist their customers, rather than protect employees who have made grave mistakes and caused us to lose our mortgage payment because of fees. 

As for XXXX, they said despite failing to disclose or inform us of fees by phone-their bank fee schedule is available online so that protects them from needing to assume responsibility for failing to disclose a fee to us. Please help. We need our {$900.00} back. That was our mortgage payment for XXXX. 

Please see attached receipts which have a blank signature line.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BROKER SOLUTIONS, INC. (MA)

New American Funding performed a hard inquiry on my profile without my permission. There was no sort of intimation at all. I would like the deletion of this inquiry from my report since I didn't authorize it.
Consumer complaint received 2023-01-19
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/XXXX there was transcations that i did not authorized for a total of XXXX on my unemployment debit card. I called bank of America to file a claim. They did nothing to help me they are saying i authorized the charges. I did not authorized the charges.
Consumer complaint received 2021-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (KY)

On XX/XX/2020 I had a balance of {$50.00} in my XXXX account. I was in the process of switching bank accounts due to likely fraud and mistakenly tried to deposit it into the account I had just closed at Chase bank. My account number is XXXX. When contacting the bank to see how I could recover the funds they said that I should contact XXXX. When contacting XXXX they said that I should contact the bank. The {$50.00} is completely missing and I have not received a check in the mail for it being in a closed account from the bank and I do not know how to get it back. Somewhere, the {$50.00} is still out there, but I dont know how to recover it. Can you please help?