davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On Thursday morning XX/XX/year>, I deposited a personal check for {$2000.00} with my brother at XXXX XXXX, whose on my checking account. A hold was placed on unnecessary hold for a week. This caused me a negative account while I needed my money while on a trip. I've been a customer for over 20 years. I feel that the check was put on an necessary hold for interest for the bank and cause unnecessary bank fees.
Consumer complaint received 2023-01-11
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. (GA)

After making a payment on XXXX XXXX XXXXXXXX I have waited 2 weeks to see if my report was updated and the credit bureaus via XXXX XXXX is still not showing the recent payment recently applied to my student loan.
Consumer complaint received 2021-09-15
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: MoneyLion Inc. (FL)

Greetings, My name is XXXX XXXX and im submitting this complaint myself and there is no third party involved. It has come to my attention that your company MoneyLion is making a conscious effort of being willfully non-compliant of a lawful document that has been sent mailed multiple times certified mail, submitted through the CFPB multiple times, submitted the FTC, and submitted through the XXXX XXXX XXXX multiple times. These classified documents. Corporate policy does NOT AND HAS NEVER superseded federal laws of the FDCPA, Truth In Lending Act FCRA, and Title 15. The complete disregard of my lawful documents and rights will not be tolerated. My consumer rights have been violated due to various US Codes and at this point I'm a victim of harassment and abuse by MoneyLion. I will give 10 days as a courtesy for officers/employees/agents/CFO 's at your agency ( MoneyLion ) to review the documents I provided.It would be the MoneyLion legal departments best interest to do their due diligence and to settle this privately.One the enforcement of this lawful document goes into effect there will be NO further negotiations. I need to be contacted immediately regarding this matter. Attached to this complaint is a Validation of Debt, A Affidavit of Fact, Exhibits of violations of federal codes and Invoice that is due on XXXX XXXX.
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

After I requested BofA accommodate my XXXX, they told me they had 30 days to serve the XXXX after the XXXX request equal access. This was confirmed via bank reps and reps at XXXXXXXX XXXX XXXX XXXX contractor. Why cant the XXXX be served the same day as able bodied people? Why do I need to wait just because I am XXXX?
Consumer complaint received 2021-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope you can help me with this issues I am having with the credit bureaus. Back in XXXX of this year I notices on my reports there were some collections that were not mine. I have attached the disputes to this complaint. This is now XXXX and these items are still on my reports. WHY??? I can see that they have me as a mixed file with my mother so why is it taking so long so fix this problem. I am hoping you can make this look into this and remove my mother collections from my reports.
Consumer complaint received 2021-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Greetings! For months I have been disputing these items with the 3 major credit bureaus. I am 100 % sure they are breaking the law and I'm humbly asking that they delete and remove each negative item because I do not recognize or honestly own or will ever accept their errors for the items they can not prove are mine. From Last fall to this year and spring I have been disputing yet they keep breaking the law. They keep saying the items are verified without proof. Since they broke the law multiple times I am ready to file a suite against them. These companies have broken the law and I am humbly asking that you please help hold them accountable.
Consumer complaint received 2018-01-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (LA)

I recently checked my credit report and found a charge for the following company. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not taken out any loans being that I was not working for 5 years at the time of this charge. As far as I can remember military members and spouses are not able to apply for payday loans. Further upon checking my report I noticed a previous address listed as mine was nowhere near where we lived but was near this payday loan company. I want this collection taken off my credit report being as I never applied for it.
Consumer complaint received 2020-11-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

My credit was stolen 5 years ago and I have been working with credit card companies to have the debt removed. Capital One Bank will not contact me to investigate the application fraud that resulted in the {$11000.00} of fraudulent charges that has been negatively impacting my credit report. I have been working with XXXX  each month to get this fraudulent activity removed from my credit report. I have filed a police report, Identity Theft Report and a US Post Office Identity theft report because my mail has been stolen for the last 5 years. I shared these documents with XXXX  and they have shared these with Capital One Bank as well as I have reached out XXXX  multiple times encouraging a investigation to prove that I did not open an account with them and I should not be held liability for these charges.
Consumer complaint received 2020-06-01
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: Experian Information Solutions Inc. (AR)

Experian stated that they will investigate my issues on my credit report regarding XXXX XXXX and XXXX XXXX XXXX  XXXX. They have yet to open a dispute to investigate the issue nor send me proof of the validity of my dispute. They have keep incorrect information on my report for 2 months now. I have gone back and forth with them and have gotten nothing resolved.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CO)

XX/XX/2021 someone ran my credit from Citibank Na, XXXX XXXX XXXX XXXX XXXX. Im not sure if they opened a credit card or not Im just trying to get ahead of it. My XXXX account was hacked and they stole all my information now I cant even call out or text message anyone on my phone. They took my social security number, address, name, DOB and bank info.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX THEIR IS NO WAY POSSIBLE I WAS LATE THE DAYS YOU WERE REPORTING - THIS CAR WAS TRADED IN AT THE DEALERSHIP. THIS IS NOT OUR FAULT YOU HAD NOT BEEN PAID BY THE DEALERSHIP FOR THIS CAR. PLEASE SEE DOCUMENTATION TO SUPPORT MY CLAIM. PLEASE CHECK YOUR RECORDS. I AM GIVING YOU 30 DAYS TO FIX THIS AND IF NOT I WILL HAVE TO PROCEED WITH LEGAL ACTION AGAINST YOUR COMPANY AND THE DEALERSHIP.
Consumer complaint received 2016-08-09
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (WI)

I made a payment to CITI XXXX Credit Card on XXXX XXXX, 2016 using a CITI prepaid Debit Card issued to us from a furnace/air conditioning install. The payment was made over the phone with a representative from CITI Simplicity and I was given a conformation number to complete the call. I never say the payment post to my account so I called CITI back and they said there was no record of a payment being made on the XXXX of XXXX. I then spoke to several departments only to get the same answer that this never took place. I then filed a dispute with CITI XXXX XXXX and also called the CITI rebate card company and they immediately confirmed that the payment had been made and received on XXXX XXXX by CITI Credit Card on that date. We then had them email us proof of this transaction and sent it to CITI XXXX to go forward with the dispute. I received an email showing a few days later that my card balance was at XXXX {$.00} as this payment was for the remaining balance on the card and thought that the dispute had been resolved. Then yesterday on XXXX XXXX I received the email stating the dispute had been denied and the {$370.00} was put back onto my balance owed on the CITI XXXX XXXX. We Then called yesterday the XXXX of XXXX to have them re-open the dispute and I re-faxed the same proof along with a letter of explanation about the dispute to the Dispute Fax number for CITI XXXX and also mailed a copy to the Presidential office in South Dakota. Then after speaking with our furnace installer because CITI XXXX was not helping even after numerous attempts to resolve the matter I am contacting you to help in this case. I am not sure what else to do as this payment was made, it was received and our Rebate Card with CITI is at a {$0.00} balance so the money was received. Please help us.
Consumer complaint received 2021-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pacific Retrieval LLC (CA)

Letter from Pacific Retrieval LL.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX was issued XX/XX/2021 stating that their is debt owed to the client, XXXX XXXXXXXX from a car that I have sold to a private buyer months ago. For an amount of {$1100.00}.
Consumer complaint received 2020-04-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (TX)

I would like to complaint a bout this Debt Collectors companyRESURGENT CAPITAL SERVICES L.P., located in XXXX, SC XXXX XXXX XXXX XXXX, phone XXXX XXXX XXXX XXXX. I've been harassed by them since XX/XX/XXXX, in less than a month they have sent me five notifications about an old credit card debt from the year XXXX for {$18000.00}. I haveverified that the Statute of Limitations for enforcing this type of debt through the courts in Texas has expired.Also, in their notifications, they act like they already have contacted me before the first one dated XX/XX/XXXX, which is a lie. 
I have been responding to all five notificationsas they've arrived because they keep saying if I don't respond to dispute this debt in 30 days, they'll obtain a copy of judgment. In order for me to respond to them, I've to expose myself ( I'm XXXX years old ) and others to this deadly XXXX  XXXX every timeI have to go to print the respond letters, and the Post Officeto mail them.In all my responses I've disputed this debt and I've asked them to stop contacting me at least they want to pursue this matter in court, but they haverefused to do it bycontinuing sending me more notifications.
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fo any reason.
Consumer complaint received 2020-11-25
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. (CA)

I sent out letters to the credit companies ( Transunion, XXXX, and XXXX ) on XX/XX/2020 demanding to see verifiable proof ( an original consumer contract with my signature on it ) they have on file of the accounts they have listed on my credit report. It is XX/XX/XXXX, ( more than 30 days ), and their failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified accounts must be removed and if they are unable to provide me a copy of the verifiable proof, they must remove the accounts they have listed on my credit report.
Consumer complaint received 2020-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (FL)

I have had serval accounts open in my name due to identity theft. I had filed disputes and submitted aN FTC report and still XXXX  had not removed these items! My score keeps going down and down! All the other credit bureaus has deleted these items but XXXX! I need these items to be deleted!! They are hurting my score and keeping me from getting a apartment!
Consumer complaint received 2020-06-01
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3700.00}, {$6000.00}, {$960.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

3. XXXX/XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$960.00} -This is not my account.
Consumer complaint received 2021-03-19
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. (GA)

Hello and thank you for reading my complaint! Since XX/XX/2020, I noticed a few errors on my credit report and wanted to dispute them in accordance with the FRCA etc laws. I have noticed these companies have not verified any negative item that I have disputed and yet keep reporting without proof the way the courts recognized.
Consumer complaint received 2020-12-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (TX)

The insured property address is XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXXXXXX. We are Flagstar Bank Loan # XXXX. 

The fire settlement check came in from XXXX and was overnighted via USPS Priority Mailed 1-day Express on XXXX to Flagstar Bank ( XXXX, XX/XX/XXXX ) to deliver XXXX ( Not sure their XXXX work day schedule ). I conformed to Flagstar instructions on the mailed signed/dated Letter of Intent. 

As I followed-up ( please see the attached emails ), I was told they didn't need anything else from me. 

In further following-up, the story changed. I have talked to many of their customer service staff, as shown on the attached correspondence and handwritten notes. 

I am currently awaiting a supervisor to call me back re : expediting payment processing. I have attempted to consult their legal team, to no avail. 
Our team has contacted the Federal Reserve Consumers Helpline XXXX twice, and I have informed Flagstar of that. XXXX at XXXX told me to contact you as the Flagstar Bank Regulator. Today, I called CFPB ( you ) contact center at XXXX, spoke to XXXX who told me online was faster. 
The Flagstar story is that a 2nd duplicate signed/dated Letter of Intent was required. As of this morning about noon CST, XXXX, the Flagstar customer service contact XXXX # XXXX told me they haven't scanned the 2nd LOI yet, and then the 15-30 days clock starts again. I have also spoken this morning with XXXX ( XXXX ), # XXXX in an attempt to reach a supervisor or legal representative. XXXX has been the best one there, so she gets a gold star for concise info. 

Part of our tenacity on this matter is that we aren't the only ones probably that Flagstar is pulling this on. Flagstar also charged me another mortgage payment on XXXX for the loan that they received on XXXX the XXXX settlement-in-full check. 

We have another loan awaiting the proceeds to pay off, and business expenses ongoing for this investment property. 

I am an educator in the world of learning differences, so this property is an investment diversification for me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-19
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 (IL)

On XX/XX/XXXX I made 2 payment via XXXX bill pay to Wells Fargo Dealers Services. The first on in the amount of {$4900.00} was a payoff of the car loan and second in the amount of {$3000.00} was made in mistake. I called WF to explain what happened that I 'm owed over payment of {$3000.00}. After few calls, they locate that money and said they will issue a check on XX/XX/XXXX. I waited and waited and called them yesterday since it 's been over a month and I have n't received anything yet or seen anything in my bank account. They said that they sent a check to Payment Processing Center, XXXX XXXX XXXX on XX/XX/XXXX. Why I asked they why they sent it there, they had no explanation. It should have been sent either to my home address on a loan or via direct deposit since payment were made through bill pay. I asked them to put a stop payment on a check and issue a new one and send it to my home address. They refused because it was cashed on XX/XX/XXXX. I called a bank 3 times yesterday and they can not locate anything. I asked WF about prof of being cashed but they refused to send me anything. My hands are tied now, bank says they do n't have anything and WF claims the money was sent! What am I supposed to do now? I spend 2.5 hours on the phone yesterday going back and forth and nothing! And XXXX XXXX XXXX? It sounds like scam! If I were late on my car loan, I would have been charged late fees. I not only can not charge late fees on my {$3000.00} that they have but ca n't even collect my money back from them!
Consumer complaint received 2021-04-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (IL)

I opened an account with Binance US  under my name and wired funds as instructed by Binance US web site on XX/XX/2021 in the amount of {$12000.00} the wire was from my XXXX XXXX account transaction ID XXXX XXXX gave me confirmation the wired went through, to date no money has been deposited in my account and After 5 different e-mails as instructed for help from Binanace US I have received no help or direction.
Consumer complaint received 2020-04-06
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)

THE XXXX XXXX XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2022-04-07
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. (NC)

Hello, I have submitted disputes to the consumer reporting agencies and I haven't received any updated information pertaining to my investigation on the consumer reporting agency 's side of things I have given them the proper amount of time-based on law which is 30 days and I have also given them extra time to correspond back to me on the results and I haven't received anything back from them in the mail as of today XX/XX/2022. I first made contact with them on XX/XX/2022 and nothing has transpired since then. The company was Experian. The total process now has been 34 days and counting and I haven't received anything from the consumer reporting agency.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX XXXX  equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX - XXXX