davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

On XXXX Bank of America denied me for a auto loan that they got compensation for by using my credit card that arose from a consumer credit transaction. 

There is no law saying they can deny me my own credit. I am the original creditor and have all the power. 

And they reported a consumer credit transaction that arose from my credit card. This is a violation of FCRA 15 U.S. Code 1681a - Definitions ; rules of construction.

Bank of America is violating FCRA by providing information on my consumer report. 

Below are the following things that should be excluded from my consumer report.

( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Bank of America is also in violation of 15 usc 1682b ( 2 ) Bank of America is also in violation of FCRA for denying me credit. Adverse Action does not say anything about denial of credit. I am the original creditor. What law is Bank of America using to allegedly deny me credit. 

Bank of America has ill will and has a desire to harm me. I have a open end credit plan. Bank of America is being deceitful, fraudulent, hostile. Because they got what they wanted out of me. I only came for a consumer credit transaction. 

Bank of America is acting adverse towards me. Because I am administering and extending myself my own credit. 

This arose from a consumer credit transaction from my credit card.
Consumer complaint received 2017-03-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (ND)

My checking account with Wells Fargo was overdrawn by over {$200.00}. At that point I submitted a request in writing, using the secure message portal from my online profile to have my checking account closed. Wells Fargo chose to leave my account opened for several weeks while charging me excessive fees for attempts made on my account to collect payments. Wells Fargo also processed many of the transactions, putting me further in debt. By the time they decided to close the account, my checking account had been over drawn by almost {$2000.00}, with almost have being attributed to fees. This is a clear violation of what they have vowed to do different after being fined for the same behavior.
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

There were many inquiries on my account that were deleted and reinserted to my credit report without My knowledge. I 'm asking that these inquires be removed. To my knowledge that against the FCRA XXXX credit cards Inquiry XXXX/XXXX/XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX inquiry XXXX/XXXX/XXXX XXXX inquiry XXXX/XXXX/XXXX XXXX inquiry XXXX/XXXX/XXXX XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX Inquiry XXXX/XXXX/XXXX
Consumer complaint received 2015-05-07
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (NJ)

I have paid a {$50.00} annual fee for my US Bank XXXX XXXX Platinum Visa Card and the cardmember benefit statement stated as one of the benefits " bonus award night exclusively for card members ''. I have now learned that this benefit is being removed from XXXX XXXX, 2015 without any fee refund or grace period to use the benefit until the anniversary of the fee having been paid.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Original Balance for pay off amount is {$5700.00}. 
When I called XXXX, they said I owe them {$6100.00}. 
They are adding interest each month for an charge off.
Consumer complaint received 2022-02-11
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. (OH)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2015-08-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have been awaiting debt validation from this company since XXXX 2014. I sent them a debt validation letter on XXXX/XXXX/14, however to date I have yet to receive any documents from them. I have sent a failure to validate debt letter to them too and still no response. The illegal thing is that they continue to report to my credit reports monthly since I have requested validation.
Consumer complaint received 2015-07-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC (IL)

ATTORNEY FOR CAVALRY KEPT CALLING, SKIP TRACING AND SERVICING LAWSUIT TO WRONG PARTY IN VIOLATION OF TCPA AND FDCPA ETC.. 

DEBT OWNER IS ESTRANGED SISTER-IN-LAW.
Consumer complaint received 2022-02-14
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: Experian Information Solutions Inc. (TX)

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

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

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2017-05-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WATERSTONE MORTGAGE CORPORATION (WI)

I started my loan process w ith Waterstone Mortgage wit h the office in  XXXX , WI with  XXXX   XXXX  and  XXXX   XXXX . That office was shut down without notice by  XXXX   XXXX   Branch Manager.  My file was transferred to  XXXX   XXXX  out of the  XXXX , WI office. Documents went missing that had to completed a second time. After a bunch of running around during the extended time frame I was having to try to get IRS transcripts. I am a  XXXX  VET that lives on my  XXXX . I have n't filed taxes in 15 years and they denied me based on this fact. I tried getting the transcripts online for the last  three years  that stated what I did n't file and was n't able to get it. I called the IRS and was on the phone for hours as well as online. When all attempts by me failed as well as  by Waterstone. Th ey came back then and tried to tell me that I did n't disclose a second vehicle so now I was denied based on the debt to income ration. Everything was disclosed to the  XXXX  office. It 's not my fault that that office was shut down without notice and my documents were lost, misplaced, or misfiled. On top of that  Waterstone   XXXX   XXXX  shared my confidential financial information to the listing agent. This created increased stress and tension with the seller.
Consumer complaint received 2022-09-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

BANK OF AMERICA is reporting information on my credit report that is NOT permissible and inaccurate. They have violated my consumer rights under FCRA 15 USC 1692g, 15 USC 1681 ( 2 ) ( a ) ( i ), 15 USC 1681b. 

I have documented XXXX attempt for BANK OF AMERICA to cure the errors. However, they have been unwilling to fix these errors. 

See attached.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

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

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2020-01-11
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. (FL)

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 Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, 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 2022-02-11
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. (OH)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2016-03-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (FL)

I had a suntrust bank account a year ago. However upon getting a check and placing it in my account my account was locked and I was notified by the bank it was because I had place more money in my account then normal and they had to check for suspicious activity. I had no problem with that .i would say about a week or so later I got mail stating that my account was closed due to this and that they were going to reissue my funds. I got that specific check mailed back to me and I was told that I could cash it at another place .i took that check to be cashed at XXXX .where I waited for about a hour for the young lady to tell me that she could n't cash it and no one else would be able to go back to suntrust to cash the check. I was never able to cash it and I 'm frustration I just gave up .fast forward to now I wanted to open a bank account with XXXX XXXX XXXX . I was approved and told I was going to get my card in the mail .before I even got my card I got a letter stating my account was closed .when I called to inquire why it was closed so abruptly without me using it I was told that it was due p fraudulent checks which I was bewildered about because I never had placed any funds into this account and I never obtained a XXXX XXXX XXXX account . I then tried with XXXX XXXX with no avail but being told the same dilemma .while having a suntrust account o never was told of this and now I ca n't open up a account anywhere until the issue is resolved
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (VA)

Equifax dropped my credit score XXXX points for XXXX inquiry from credit plus for a mortgage inquiry. The credit score went from XXXX to XXXX WHY DID MY SCORE DROP XXXX PIONTS FOR XXXX INQUIRY??????? 
I am closing on a home and this has killed my credit!!!!!! 

RESTORE MY GOOD CREDIT!!!!!!! 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX SS # XXXX dob XXXX/XXXX/68
Consumer complaint received 2015-07-04
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

My credit card payment with Capital One is due on the XXXX of each month. While having this card, I 've paid it off XXXX and I 've made all payments before the due date. This month ( XXXX ) I called the credit card company and made the payment from my checking account with a representative. I was informed that my payment was late because of their XXXX cut-off time to receive payments. My problem with this matter is the fact that the credit card company received the funds from my account on the XXXX, they will not post it until the XXXX or XXXX before XXXX. How is it legal for a company to receive the funds for an account and withhold posting to that account?
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX- I would like for this XXXX ( XXXX ... ) account to be removed from my credit report. I have mailed several request for Transunion to do so. I have also called XXXX and they said to dispute directly with Transunion.
Consumer complaint received 2016-05-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (GA)

On XXXX XXXX, 2016, I refinance my auto loan, which had previously been with Ally Financial, with XXXX XXXX XXXX. XXXX XXXX has been great. They acquired a payoff amount and address for payoff, but Ally claims they ONLY has a PO Box , and payoff can only be sent through regular mail, not overnight. It has now been 3+ weeks since my refinance, and 2+ weeks since XXXX XXXX sent a payoff check and a request to release the lien. I have had four ( 4 ) conversations with Ally, all just short of stating that I must make a payment and that I have been sent to collections, and they have not been able to assist me in locating XXXX XXXX 's payoff nor have they been able to to provide me nor XXXX XXXX in anyway with a solution. They will not provide us with a physical address in which the bank can reissue and send another check either. XXXX XXXX will not resend without this.
Consumer complaint received 2020-05-01
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: EQUIFAX, INC. (MO)

Equifax ; XXXX and XXXX  should not be reporting a collection/charge off in the amount of {$1100.00} on the XXXX XXXX partial account number XXXX. This account was sold to XXXX XXXX on XXXX and therefore should be reporting a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item should be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2016-12-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I filing this complaint because TransUnion, XXXX, and XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you
Consumer complaint received 2016-10-03
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: WINN LAW GROUP, APC (CA)

My XXXX saving account was levied by win law group, XXXX receivable went to court on judgement and XXXX XXXX XXXX bought the debt from??? XXXX XXXX is original debtor. the debt is old, over 7 years old and it is not on my credit report. I was not notified at all, I have been at new address 4 years, they say they sent notice to my old address. I have been at same job for 17 years. I have had same phone # for many years. I am XXXX XXXX XXXX. They took all my life savings, XXXX dollars. Is there help for me.
Consumer complaint received 2022-02-14
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my tXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC (MI)

I noticed an incorrect account on my XXXX credit report from 'ACIMA DIGITAL FKA SIMPLE '. I have contacted Acima and also filed a dispute with XXXX. After communicating with them, and reviewing the general complaints and reviews of this company on XXXX XXXX XXXX, it is clear that they do not intend to help me without a fight. 

I reached out stating there was an incorrect charge on my account. They immediately stated that I had alleged identity fraud- which I clearly had not. I believe they did this so that they could tell me to obtain a police report and avoid the legally required investigation process laid out in FCRA 623 ( 8 ) ( e ) ( 1 ).

Their public communication regarding invalid claims is so consistent and unhelpful, that I have to believe they are not interested in resolving claims. They only seem interested in closing claims, no matter the impact to the consumer. 

Acima appears to have several anti-consumer practices in place, and receives a staggering amount of complaints related to inaccurate credit reporting on the XXXX  website. At a certain point, one has to wonder if a creditor themselves is capable of opening an account under a consumers name. It brings to memory some of the practices from a high profile bank that the CFPB investigated in 2016.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I see where Transunion reinserted a previously deleted information on my credit report. This is for XXXX account number XXXX. I disputed this with Transunion and nothing was done. This appeared after the glitch.
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (SC)

I XXXX of XXXX Citi offered a promotion to open a checking account and deposit {$15000.00}. As a reward, they would give me {$400.00}. 

I did this on XX/XX/XXXX. 

Days prior to XX/XX/XXXX, I had satisfied all the conditions of the promotion. On XX/XX/XXXX, I called to discuss the issue. I was told they will deposit the {$400.00} on XXXX. This did not happen. 

I called on XXXX. I was told the deposit would happen on XXXX. This did not happen. 

I called on XXXX. I was told the deposit would happen on XX/XX/XXXX This did not happen. 

I called today, XX/XX/XXXX. I was told the deposit would happen on XX/XX/XXXX. I have no confidence that they will honor their part of the promotion. Please help with getting the {$400.00} that Citi promised me.