davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-27
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)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have also filed a complaint with the better business bureau and federal trade commission because to my knowledge I do not recall any of these accounts. I need this problem fixed immediately and I should not have to wait another 60 days just to receive a response because is clear you guys are just ignoring my request when you are suppose to assist me as a consumer. I demand these accounts be deleted immediately or I will have to file litigation for the stress you all have caused me. I read under Section 611 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly isnt that what the law states so I dont understand whats going on please help me understand these companies are not being help to comply and I dont need XXXX  and XXXX  to keep asking me to send in correct identification because that is clearly a stall tactic my information is correct and valid identity
Consumer complaint received 2016-09-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I owe a judgement the debt collector liquidated my IRA account in order to collect the debt I owe I notified the financial establishment but they informed me that the debt collector had an order from a judge? I informed them that in AZ it was against the law for debt collectors to collect a debt from an IRA account. 
I had an attorney write the financial establishment NOT to give the $ to the debt collectors .I have lost $ XXXX in financial gain from the stock market and did not have access to MY money for over 90days. 
So far it has cost my {$1000.00} in lawyer fees plus all the time I spent with lawyers who said that could help me and ended up them wanting thousands of dollars to fight or file a lawsuit The debt collector did not inform the judge that the account was an IRA account and falsified the writ of garnishment.
Consumer complaint received 2016-04-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (FL)

My wife and I have had this loan for a number of years. It was issued to us in conjunction with the refinancing of our home. We recognize that the high interest rate makes it difficult to pay down the princple. We have payed consistently on time with no problem. When we have asked to be considered for a lower rate so we can add extra to the payment we are put off with " its not the kind of loan that can be lowered '' or they can perhaps consider it at a later date. I believe that it is because we have a good payment history and Wells Fargo sees us as a consistent payer and it is to their benefit to keep us in the higher interest rate. We are not asking for any reduction in the debt principle we just want a reduction of the interest rate so we can pay down our debt.
Consumer complaint received 2015-12-20
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In 2014 I reported to Bank of America that I had lost my job and sources of income hence encounter financial hardship and could not meet my minimum payments and needed to enroll in their financial hardship program/card protection. I was told by the agent at the time that because I did not have a job i could not enroll in the hardship program and they would be reporting the negative information to the credit bureaus. I then told them that due to my circumstances it would be impossible for me to continue making payments without some sort of arrangement to no avail. Once I began working again I contacted Bank of America again and informed them that I had found another job and was ready to begin making payments and that I wanted to set up a payment arrangement and enroll in their hardship program so that I could pay them and take care of the other bills I had fallen behind on. I was informed that I had the options for payments : 1. ) I could pay {$260.00} for 2 months. 2 ) I could make a payment of {$180.00} for 3 months. Or 3. ) I could make a payment of {$150.00} for 4 months. While the payments were steep I agreed to commit to the 4 month plan to get my life back on track. Then after a string of invasive questions the customer service agent informed me that not only was I not eligible to complete the agreement for the 4 month plan but that the hardship program was not an option for me either after I was initially informed that these options were not available due to my unemployment status. Thus if I did not have the options for a hardship program or particular payment arraignments when I was unemployed or when i became employed then that means the options were never available to me at all. At the beginning of my credit relationship with Bank of America I was falsley led to believe that in the event of job loss and financial hardship that alternative payment options were available to me but under all circumstances this proved to be untrue. Hence I was coerced into a credit agreement with bank of america via misrepresentation of products and services.
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (TN)

Robinhood.com has restricted my account and is not putting in any effort to unlock it they locked it XX/XX/22 and told me it would be resolved by XX/XX/22 they haven't made any progress as of XXXX XXXX on XX/XX/22 I'm currently without power because they can't get a hold of the team that deal with account restrictions by any other means except for email they have laughed at me and hung up on me I'm tired of sitting in the dark
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have been disputing my personal information since XXXX for inaccurate information and they refuse to delete the inaccurate information. I want all inaccurate information deleted immediately. 

Experian is reporting XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Address : XXXX XXXX XXXX XXXX # XXXX XXXX, ca, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ca, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, ca, XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX is the only one that had deleted the inaccurate information.
Consumer complaint received 2023-04-14
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX  XXXX XXXX XXXX : {$790.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2023-04-14
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX Capital One Auto Fin XXXX 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 fumish a account without my written instructions
Consumer complaint received 2020-11-24
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. (TN)

I disputed the bankruptcy that is reporting on my credit report to all bureaus and their claim is that the bankruptcy was verified. I sent a letter to the bankruptcy clerk to ask the reporting guidelines and they responded that the courts don't report to the credit bureaus. So with that being said, the credit bureaus is falsely reporting a bankruptcy on my credit report and that is against FCRA Section 611 Subsection 5a
Consumer complaint received 2016-11-21
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (TX)

Almost a year ago I received a solicitation from Chase Bank to get their XXXX XXXX XXXX credit card. The reason I got the card was a feature where the cash rebate of generally 1 % was increased by 25 % if used to purchase travel. I accumulated about {$1800.00} in travel benefit. I checked on-line a few times and was able to use their on-line system to find hotels and flights, but did n't actually use it because the cost of particular hotels was higher than available through XXXX. Nine days ago I decided I should use the travel purchase feature. However, each time I tried to get on-line over a nine day period, I was unable to get to the travel purchase portion of the site. Each time I got a message saying the feature was temporarily unavailable to me. I talked to XXXX different individuals at Chase, and they were unable to help me access the travel reservation portion of their site. I would like for them to call me and allow me to make hotel reservations as promised.
Consumer complaint received 2023-04-14
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. (CA)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
Please remove these accounts XXXX XXXX XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (PA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( no. 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I'm in the market to buy a home, my friend is a realtor and he advise my to check my credit report ahead of time. By doing so i noticed a couple of items that are not mine on my credit report. I don't understand how this is possible and its kind of sad that i have to go through all this because my identity wasn't protected. I'm doing this on my own behalf and have reached out to the FTC and my local police department. I need these items removed from my credit report. XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Self Financial Inc. (MO)

I've been receiving miscommunication on processes and timelines for receiving my payout for a process that I was told I would be able to " go around '' if I closed the accounts. Today, after multiple phone calls and " escalations '' I received an email after have confirmed multiple times that my accounts were already closed that they are closing them today and that my account is under review AFTER I've submitted their requested documents reluctantly. Today the person I spoke with shared with me that I am wasting my time because there is no timeline in sight for a resolution and if it did take three months to a year, it would have to take that long. I initially educated on a 10-15 day timeline. Once I called back to follow up, I was then given a 1-2 day timeline for their team to review my documents. Now I'm being told there is no resolution in sight. None of this makes sense when I paid off my accounts. I was educated that this process would take 10-15 days and now I'm being told there's nothing that I can do to receive my money back from a service they offer.
Consumer complaint received 2022-08-09
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. (IA)

Equifax XXXX XXXX XXXX XXXX, XXXX Ref XXXX ( XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX balance XXXX ) Dear, Equifax On XXXX, I sent your company my letter with my FTC report regarding the fraudulent account ( s ) listed above outlining how your company has violated my rights as a consumer under 15 usc 1681. The subsections you violated are as follows. 
.15 usc 1681- ( a ) ( 1 ) .15 usc 1681- ( a ) ( 2 ). 15 usc 1681- a ( 3 ). 15 usc 1681- a ( 4 ). 15 usc 1681b. ( 2 ) .15 usc 1681c-2 And many more. For your convenience, I have attached the letter that I sent you before with this letter, your company responded XXXX alleging that the accounts in reference were verified. Now I am exercising my right under 15 1681i ( a ). I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was verified as you claim that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this is an investigative consumer report I am also exercising my rights under 15 usc1681a ( e ) I want to know exactly who you spoke with, and the method you used to speak with them I also would like the name and the employee number of the employee whom you spoke with the company who furnished this information. Pursuant to 15 usc 1681a ( e ) I am demanding the following :. Which neighbor did you speak with? 
. Which associate did you speak with? 
. Which friends did you speak with? 
. Which acquaintance of mine did you speak with? 
. Was the information that you received factual? 

Please keep in mind that you only have 15 days to respond to this request. If you do not respond in time this information must be permanently removed from my consumer report. 

Best regards,
Consumer complaint received 2021-06-05
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/2020This is not mine.

2. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2020This is not mine.

3. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine.

4. Identity Theft CAPITAL ONE Account Number : XXXX**** This is not mine.

5. Identity Theft CAP ONE AUTO Account Number : XXXX**** This is not mine.
Consumer complaint received 2023-04-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX  XXXX Date Opened : XX/XX/2017 Balance : {$220000.00}. Please update this account ASAP.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I have asked the credit bureaus to stop reporting wrong or mis-leading information on my credit report. My name is XXXX XXXX and my address is XXXX XXXX XXXX, XXXX, NC XXXX. I sent in a copy of my license with the correct spelling of my whole name and date of birth. 

I also sent in a copy of a bill to show my address. I do not know any of the other addresses, nor am I associated with any of the other addresses that's being reported. 

I have asked the credit bureaus on numerous times to please validate, as well as investigate the accounts that they're reporting to be mine and delete the ones that are not mine. I also asked for the validation procedure because I have not heard of these accounts.
Consumer complaint received 2017-03-11
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America 's CEO, President, Attorney XXXX has the background of our XXXX rooted mortgage XXXX situation, involving IRS estate tax time window whereby, millions were lost needlessly, affecting BofA mortgage XXXX, its collateral, XXXX, XXXX, not intended to be sold, if Winchester commercial realtors performed as hired. 

DOUBLE DIP -- BofA, by involving smaller lenders, rewinds the mortgage clock, to day one. 

My siblings and I, through our parents ' estate have already, since XXXX, paid in approximately $ XXXX in lump and other payments, to XXXX. This is $ XXXX out of about a $ XXXX or thereabouts purchase price. 

Compassion and humanitarian perspective needs to be heightened, as I have XXXX siblings, approaching senior years, who have lived life with XXXX, believed to have been due to exposure to DDT as infants, in agricultural area. THIS XXXX. HOUSE WITH OTHER PROPERTIES ARE OUR BACKUP PLAN TO WELL-BEING. GRATEFUL FOR XXXX, XXXX, XXXX, BUT THESE PROGRAMS ARE IN THE FINANCIAL RED, MAY OR MAY NOT BE THERE LATER. 

PLEASE ASSURE BOFA UNDERSTANDS, we can not afford " double dip, '' as after paying in approximately $ XXXX, another $ XXXX, rewinding the mortgage to day one, would have a house worth about $ XXXX on the market today, THEORETICALLY COST ABOUT $ XXXX! THIS SHOULD BE A VIOLATION IF ANY BANK CHARGES DOUBLE FOR A HOUSE, IN REALITY FIGURES. 

In XXXX, BANK OF AMERICA SETTLED $ XXXX IN MORTGAGE VIOLATIONS, WITH CONSUMERS. 
MAY OR MAY NOT HAVE BEEN GIVEN THE SAME OPPORTUNITY THROUGH USDJ/BofA Stipulated Settlement on XXXX. 

I wish for BofA to understand that my family and family estate can not be victims to smaller lenders. We need to work with BofA exclusively and inclusively, as it has the best online banking services and best long term customer service for business and personal. 
Above all, we can not afford double dip into our mortgage payment plan, where a house begins its price tag at $ XXXX or thereabouts, there are payouts close to $ XXXX with improvements, then, a smaller servicing lender, BofA hands the loan off to, rewinds the mortgage to $ XXXX, day one XXXX, figures. THEORETICALLY, BECAUSE OF INTEREST, THIS CAN END UP MORE THAN DOUBLE DIP, as just taking payout approximate amount with improvements being close to $ XXXX, adding the rewind $ XXXX XXXX figure, Equals about $ XXXX -- possible unjust impoverishment case for any homeowner, especially, if house markets in XXXX, at $ XXXX. 

LARGER BANKS HANDING OFF LOANS TO SMALLER LOAN SERVICING PROVIDERS : SMALLER LENDER HANDOFF GOUGE SHOULD BECOME A CONSUMER PROTECTION LAW, INCORPORATED INTO HOMEOWNER BILL OF RIGHTS LAWS -- LIKE CALIFORNIA 'S XXXX. 
LEGAL SAFEGUARDS TO PROTECT AGAINST UNJUST IMPOVERISHMENT OF HOMEOWNERS.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The following hard inquiries are inaccurate and I did not authorize on TRANSUNION CREDIT REPORT after I notified them and sent report back in XX/XX/XXXX and kept following up with them : XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Hotel and travel ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Bank ) XX/XX/XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX
Consumer complaint received 2022-02-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (CA)

Credence Resource Management calls every day up t 26 times a day. No message is left. They use different numbers : XXXX, XXXX, XXXX. XXXX, XXXX I contacted them and asked them to stop calling. I keep blocking each new number. I do not have any outstanding debt with them. I have never received any communications via mail, so I do not know the nature of their harassment. They have been calling for about 6 months incessantly.
Consumer complaint received 2016-08-16
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Echelon Financial, Inc. (MA)

The company XXXX use my credit card for XXXX for 3 months and have all my information I never give them my information or buy their services. I cal them 2 times to explains what was happened and they say that the XXXX will go back to my credit card and all my information will be delete from that company I never received the money back to my account and also start to received a lots of calls and email offering loan and other credit card all this email have my information I never give to any of this companies.