davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

BANK OF AMERICA is committing fraud on me .Under 12 CFR 1005.2 ( I ) this is my account as a federally protected consumer and they have placed a {$2500.00} credit limit on my account without my expressed consent which is fraud.Under Regulation Z of the Truth in Lending act banks cant extend credit or loan money.BANK OF AMERICA is deceptively creating the impression that they are the ones funding this account and that this account belongs to them which is fraud and federal violations.
Consumer complaint received 2021-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

A credit report XXXX  shows a a collections account with IC Systems for {$1600.00}. When I called them I was told it was a XXXX XXXX account in XXXX XXXX. 
The XXXX  report says the account was opened XX/XX/2020 with an account # XXXX. 
I have not lived or done business in LA and have not visited in over 10 years. The name on the account did not accurately match mine and the address is one that is not associated with my name in any way. 
I was part of the XXXX breach and have had considerable problems with ID theft since then and have had a credit freeze and monitoring in place. 
I never received a bill, invoice, or collection notice at my legal address. 
I am not personally responsible for this account
Consumer complaint received 2021-04-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NY)

I have sent my mortgage company 3 documented inquiries about eliminating the PMI from my monthly payment, as my loan to value is under 80 % now. It has been a month since I sent the first one, and have received no response other than this : " Thank you for contacting us! Your inquiry has been forwarded to the team of specialists experienced in resolving your issue. Our hours of operation are from Monday-Friday, XXXX XXXX.- XXXX XXXX Eastern time. We will provide you a response as quickly as possible. 
Sincerely, Customer Communications Department NMLS ID XXXX '' The mortgage company is Lakeview Loan Servicing , LLC
Consumer complaint received 2022-04-26
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. (NC)

On XX/XX/XXXX, I contacted Equifax about the following negative accounts ; XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$810.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1300.00} ), XXXX XXXXXXXX XXXX ( Date opened XX/XX/XXXX, Balance {$340.00} ), XXXX XXXX BANK XXXX XXXX ( Date opened XX/XX/XXXX, Credit limit {$3000.00} ), XXXX XXXX  XXXX XXXX opened XX/XX/XXXX, Credit limit {$100.00} ), XXXX XXXX  ( Date XXXX XX/XX/XXXX, Credit limit {$100.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Credit limit {$800.00} ) Its been over 45 days and Equifax XXXX respond to XXXX request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-09-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

My name is XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX. My phone is XXXX. On XX/XX/2020 I purchased a new XXXX from XXXX XXXX  XXXX Texas. I traded my the. Nissan in for the new one and financed through NMAC. I was told by the dealership that they would be paying off my trade-in loan right away. On XX/XX/2020, a draft in the amount of {$740.00} was removed from my checking account. This had been the loan amount of the vehicle I traded in weeks before that was supposed to have been paid off. I called the dealership and was told by XXXX in XXXX, TX that NMAC in XXXX, TX said that they were sending me a check for the overpayment. It is now XXXX and I still havent gotten my money back. I feel they are fraudulently withholding my overpayment. I have phoned them countless times since this took place and they have promised they have sent the check. I called when I didnt receive it and was told they sent it to the wrong address. I verified my mailing address with them. Bear in mind that this is the fourth vehicle I have financed through NMAC. I know they have my address becI receive promotional material from them frequently. The people with whom I have spoken on the phone assure me my check has been sent. However, after numerous promises of payment XXXX havent received it. The dealership in XXXX TX is Nissan of  XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX. NMAC address is XXXX. XXXX XXXX XXXX, TX XXXX. I truly end my money returned to me as promised. This is so unfair and I feel cheated since I have purchased four vehicles loyally fro. The dealership and financed through NMAC. Please help me resolve this. I am getting nowhere with the dealership or the finance company. Thank you!
Consumer complaint received 2021-06-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANKMOBILE TECHNOLOGIES, INC (FL)

The institution tracks the funding via XXXX  XXXX XXXX and personal data is stolen through the third party merchant. XXXX  XXXX used a method of a two security feature that doesn't exist. When the student attempts to answer what possible password sensitive answers they are exposing personal data in which after the merchant and the third party country can intercept and manipulate the funds via School Financial Corruption. I attempted many times to reach out and the the school denies any information on funding. Becoming assertive and aggressive indicting wrong doing within the finical solidification process. In the end the third party merchant never successful grants you access to the account placing restrictions, in which they then use the funds via crypto currency for there agenda. I am sure the system is compromised as it continues with the the procument fraud guidelines.
Consumer complaint received 2020-09-01
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. (GA)

THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE HAD MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian XXXX. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-12-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CO)

On XX/XX/XXXX, I opened an online savings account with Citi. On XX/XX/XXXX, when I attempted to contact Citi to obtain an identification code to be able to access my account, I was told that a code could not be provided for 14 days. It is an unfair, deceptive and abusive practice to permit a person to open a savings account, receive funds from the applicant, but then not permit an applicant to have access to those funds for 14 days. It also seems to constructively be a violation of the Expedited Funds Availability Act. Even though the institution may state that funds are available in the account, if the institution, Citi, has an internal practice that constructively prohibits access to those funds for a time period in excess of the time period permitted by Regulation CC, that would seem to be a violation of law.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IA)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-01
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)

THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE HAD MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (HI)

CFPB : receive monthly social security check and pay bills monthly, however never received bill from barclay card for XX/XX/XXXX but I have received several this week saying credit account is delinquent, The state will be forward to you via US mail. 

we are concern because you recent ruled with a matter with XXXX XXXX   where I was the beneficiary of wife 's account and your tried to rule in favor of no custodial party which we have seen quite often with the ruling authority.
Consumer complaint received 2019-03-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (IL)

IQ Data contacted me verbally and by letter on XX/XX/2018 concerning apartment rental balance {$5800.00} I informed IQ Data due to my spouse and I being separated I was not responsible for the full amount that's owed. XXXX at XXXX offered me half the debt at {$2900.00} if I paid a {$500.00} down payment. This payment was made but did not receive a letter with change in balance nor updated amount at {$2400.00} to all Credit Bureaus as paying as agreed. When I asked for this agreement in writing I was told that all calls are recorded and that's all he could do at this time. I'm very uncomfortable and would like the balance to reflect to Credit Bureaus and receive a letter by mail.
Consumer complaint received 2021-11-03
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: CITIBANK, N.A. (NC)

Upgraded Citicard to platinum card. Company never closed account on regular card even after 3 phone calls to fix each time being told account was closed. Account was never closed then had an old recurring charge of {$60.00} and 4-5 months of {$40.00} late fees even though I never received any billing statements. During this time used and paid {$31000.00} on new upgraded account with ebilling and paying off entire balance each months. How can Citicard take my money on one account then never bill me, charge me 2 times charge amount in late fees, then report me to credit bureaus as 90 days late. Complete lack of follow through closing old account by Citicard.
Consumer complaint received 2020-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (NC)

I've had my credit frozen with all 3 bureaus for over a year. Only unfroze last fall for a few days for an auto loan. Monitor my credit every month, and in XXXX noticed a collection from Southwest Credit Systems on behalf of XXXX XXXX. This is not my account. Talked with rep at Southwest and the address for the account is in XXXX, NC. I live, and have lived for 25 years, in XXXX, NC, and have never lived in XXXX. Not sure how my credit was even accessed with the freeze. Very much want the account taken off my credit to restore my near XXXX credit score.
Consumer complaint received 2017-12-14
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)

TransUnion continues to violate the FCRA by submitting unverified information to my credit file without my knowledge. I have recently had an unverified item deleted from my Equifax credit file and it was reinserted without my knowledge. The information still has not been validated or verified by Equifax, yet they have allowed a third party collection agency that is operating Illegally to submit this information to my file. The XXXX XXXX company XXXX XXXX XXXX is operating illegally because they are not licensed in the State of Texas as a Collection Agency. Despite all of these things Equifax, still reinserts the information to my file without my knowledge, and knowing that it has already been previously deleted for not being valid.
Consumer complaint received 2021-04-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (VA)

XXXX, XXXX, XXXX, and XXXX payments were late due to XXXX pandemic and job loss. After asking what could be done to adjust payment, make exceptions, or offer assistance, the company offered deferment however, late payments would still be reflected.
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Equifax XXXX XXXX XXXX  Account XXXX XXXX Amount {$0.00} This account is showing on my credit report incorrect and inaccurate with Equifax . This account was open in 2014 and paid/close in 2014. I have sent certified letters to Equifax 3 times to remove this account due to inaccurate information and to provide me with proof. They continues to update this account and say it has been verified, but yet to provided me with any documentation. I have also provided Equifax with screenshot of my credit report and highlighting each individual line item with comment that was incorrect, in which I would provide the screenshot in this email also.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I'm requesting your assistance to address remaining inaccuracies in my credit report attributed to fraudulent activities. Despite previous efforts, there are still entries that require removal in adherence to FCRA Section 605b. My preference is to resolve this matter without legal intervention, hence my appeal for compliance with applicable laws. I urge the elimination of the entries listed below, which I assert were established fraudulently, without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Should these items be claimed as accurate and verifiable, I request copies of any documents bearing my signature linked to these accounts, which I believe do not exist. Lacking such evidence, I insist on the immediate deletion of these entries from my credit file. Note, a four-business-day window is provided to rectify these discrepancies as mandated by law. I oppose any automated verification processes, including E-OSCAR.
Consumer complaint received 2020-11-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I got a use car XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX Tel. XXXX. I made a down payment of {$5000.00} to XXXX XXXX they didnt tell me the bank thats will finace the load, but they made me to sign some blanks Finacial documents saying they want to send it to the multiple finance company to see the one that will accepted to finance the loan. Few days later they called me and told me that Wells Fargo Bank has accepted to take the loan, that they will finance {$18000.00} with 3 percent interest rates and the monthly payment will be {$500.00}. I have been making payment on this loan up to XXXX of XXXX. Well Fargo bank also charge me {$600.00} for CPI Insurance for the total of 19 months a total of {$11000.00} base on my calculation. WelllFargo Bank and the car dealership sales me a used car for the price of a new car, they sold the car for {$26000.00} when the actual cash value for the car at the time of sales was {$14000.00}. I have paid a total of {$29000.00} for the car they only finace {$18000.00}. I want Wells Fargo Bank to refund {$11000.00} over charge on the CPI insurance and {$12000.00} over charge on the price of the XXXX XXXX XXXX, Total of {$23000.00}
Consumer complaint received 2019-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (KY)

I previously had phone service with XXXX XXXX. My bill was set up on auto-pay and was taken directly from my account each month. I switched phone carriers, which resulted in a final bill, which was paid automatically on XX/XX/XXXX. I have attached documentation to reflect this information ( my XXXX account was under a previous last name of mine ). 

For some reason, XXXX has repeatedly placed the amount for this final bill ( {$1000.00} ) with multiple third party collection agencies/attorney firms. I have disputed this several times and have even received confirmation that the dispute was closed in my favor. I requested a full validation of debt from the last agency that contacted me in regards to this. I received that validation of debt documentation on XX/XX/XXXX. This documentation clearly shows my final bill and the corresponding payment, reflecting a XXXX balance owed. Not only is this causing unnecessary stress, it is now negatively impacting me. I was recently denied credit because this is reflecting on my credit report and I also had to accept a car loan with a much higher interest rate than I feel I would have qualified for. I responsibly pay all of my bills through auto-pay because I care very much about my credit rating. I am very upset that this is impacting me so negatively and I was actually really embarrassed during the car buying process when this came up. I do not know what I need to do to get it resolved.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2021-01-26
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. (OH)

Incorrect Inquiries on my credit reports. 
Ive sent certified mail disputing inquiries to each credit bureau : XXXX  Trans union XXXX  XX/XX/2020 No reply in regards to the investigation requested. 
Tracking number are available
Consumer complaint received 2020-12-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

on XX/XX/2020, i mailed a letter asking for verification of accounts listed on my credit report because I was recently denied credit. I never received a response so I mailed another letter on XX/XX/2020. It has been almost six weeks since the last letter and I still haven't received a a response.
Consumer complaint received 2022-04-26
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. (NC)

On XX/XX/XXXX, I contacted Experian about the following negative accounts ; XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$810.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1300.00}, XXXX ( Date opened XX/XX/XXXX, Original amount {$1500.00} ), XXXX XXXXXXXX XXXX  ( Account XXXX XXXX, Date opened XX/XX/XXXX, Balance {$340.00} )XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX, Date opened XX/XX/XXXX, Credit limit {$3000.00} ), XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Credit limit {$100.00} )XXXX XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Credit limit {$100.00} ), XXXX XXXXXXXX XXXX ( Account number XXXX, XXXX XXXX XX/XX/XXXX, Credit limit {$800.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.