davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have an open balance transfer with Bank of America, on my credit card. Due to the promotion, it will not accrue interest until after the original promotion period. However, the BofA website does not provide this information in any meaningful way. It is opaque and designed to confuse customers so that they are not informed of the deadline, at which time they will face an XXXX  amount of interest. This is absolutely XXXX
Consumer complaint received 2022-02-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CATHAY BANK (TX)

I was allegedly part of the XXXX acquisition to Cathay Bank on XX/XX/XXXX. I received no notification or correspondence of this transition, nor gave any consent for my personally identifiable information and funds to be handed over. I can confirm that XXXX had my correct mailing address as I had received something unrelated only a week ago XX/XX/XXXX. I simply logged into XXXX on XX/XX/XXXX and was shown my accounts were suspended and closed without explanation. XXXX did nothing to help me and Cathay Bank is unreachable. They have no chat support, no email, only one phone number XXXX. I've been on hold multiple occasions for several hours only to be hung up on. Voicemails unreturned. I have no access to my money, no account numbers, literally nothing.
Consumer complaint received 2015-10-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

Creditor says the filed Letter Of Completion months ago. The credit account was fraudulent to begin with according to Colorado State Law. I have attached a copy. Please remove from my credit history/report. XXXX XXXX admitted to filing the collection incorrectly because they did not provide me with an invoice explaining why I did not receive my deposit and why I owed extra money. 

I have been told this was filed with the Bureaus a while back but it continues to be reflected on my credit report.
Consumer complaint received 2016-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

XXXX Card : It is an account that has more than 7 yrs of age, it was mentioned that it was going to be taking off the bureau. I have already disputed such account so the error could be fixed but no respond. Please remove account from my report, thank you.
Consumer complaint received 2023-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

We had a mortgage forbearance during XXXX. 

When the XXXX forbearance ended, we resumed making mortgage payments and have {$1200.00} left on the original loan. 

Wells Fargo says that we owe the forbearance amount of {$27000.00} as a lump sum. We applied to get the terms changed so that we can make monthly payments on it. Their underwriting department denied the application because we make too much money to qualify for mortgage assistance. We do not want assistance paying our mortgage ; we want to continue our monthly payments in order to pay back the {$27000.00} Wells Fargo and XXXX XXXX have both told us that we have no option except to give them the lump sum and that we can't mortgage the {$27000.00} or pay it back in installments.
Consumer complaint received 2016-06-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (OH)

Was told that an inquiry, although was never authorized, and the company that pulled it without my authorization said in an email they would remove it after Experian received my dispute. I contacted Experian and they said " it is our policy that the company pulling must contact us to remove it ''. I said " what sense does that make if the company that pulled it illegally has to give permission? ". The case is still not resolved and I have an inquiry on my record.
Consumer complaint received 2016-03-10
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WINNPOINTE CORPORATION (CA)

A company called Winnpointe is engaging in deceptive mortgage practices. They are advertising a 2.875 % fixed rate for the life of the loan without clearly stating whether it 's a 30-year loan or a 15-year loan. This is trapping consumers into calling thinking this advertised rate is for their 30-year loan and is against TILA regulations.
Consumer complaint received 2019-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (MI)

Tried to utilize my credit card in XX/XX/XXXX, card declined, I noticed the card was expired, called to have a new card sent out on XX/XX/XXXX, was advised to allow seven business days. Upon ordering this replacement card, i was advised one had been sent previously in XX/XX/XXXX, rep assured me it wasn't activated so everything was fine. Received a letter dated XX/XX/XXXX advising they can't send a replacement card because the account was closed. I called customer service yet again on XX/XX/XXXX and rep advised at that time that i was sent an email dated XX/XX/XXXX advising me the card had not be utilized and that could result in account being closed ; i never received that email and even when back to view my email account after rep verified the address, that email was not located, asked rep if he could resend for verification he stated no and advised i should have received a letter in XX/XX/XXXX about the account inactivity, advised i didn't receive that either as i try to make sure i utilize each of my credit cards/debit cards at least once a year. I asked rep how can i appeal this he advised he would escalate to the office of the President at the organization and i should receive a letter in approximately seven business days of the determination, we verified the address and thus far nothing has occurred. Closing of this account has caused my credit scores to drop over 20 points. I work hard to maintain a great credit history and believe companies, especially those where members are long standing and in good standing should have to validate/approve for an account to be closed before companies close an account for due to inactivity. that 20+ points is very quickly loss, yet very difficult to recover.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I have made several attempts to correct this inaccurate reporting with no success. I would like to opt out of the following reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I am invoking The Privacy act of 1974, Fair Credit Reporting Act and FERPA because XXXX, Experian, and XXXX are not maintaining reasonable procedures to insure accuracy of the information they report. I am opting out of these reporting services.
Consumer complaint received 2022-09-04
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX agreement with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 

XXXX XXXXXXXX XXXX Installment sales contract with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 

XXXX XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$5100.00}. 

XXXX XXXXXXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$590.00}. 

XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 

Collection account from Unknown with account # XXXX and a balance of {$730.00}. The original creditor is XXXX XXXX. 

XXXX with account # XXXX and a balance of {$170.00}. The original creditor is XXXX XXXX XXXX. I paid off this account but its still showing that I owe a balance. 

XXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$4700.00}. 

XXXX XXXX company with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I was never late on this account. I have made all my payments on time. 

XXXX XXXX XXXX Real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 

Collection account from XXXX with account # XXXX and a balance of {$830.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

In mid XXXX I noticed that my Equifax credit score dropped dramatically when there had been no change in my account activity. I logged in to see what was going on and noticed that 1 ) My first name was now misspelled, and 2 ) An address where I never lived had been added. I filed a dispute on both counts, uploading a passport and drivers license to confirm my identity. 

I filed a dispute in mid XXXX and received a notice earlier this week that it had been corrected. When I logged in yesterday, neither error had been corrected. 
I filed a new dispute and received notification today that the correction had been made The dispute numbers are : XXXX XXXX I called this morning to alert them to the problem and an incompetent call attendant did not understand the problem, then told me I had to upload my social security card -- when the instructions did not say it was a requirement. She then claimed she corrected both issues, but did not understand why I was concerned that this incorrect information was now in my file. I asked to speak with a supervisor, and she said yes then disconnected me. When I logged back in the errors were still in my file.
Consumer complaint received 2022-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (TX)

1 ) INDIGO the company mailed me a letter dated XX/XX/XXXX regarding a renewal fee of {$120.00} on XX/XX/XXXX. Then INDIGO goes on to tell that If i want to avoid paying the {$120.00} fee I must notify them and close my account with in 30 days. It's impossible to notify them within 30 days since they just mailed a letter XX/XX/XXXX. They are crooks! That would have only given me 3 three days to notify them. I just received this letter today XX/XX/XXXX. I want INDIGO to close my account effective the date you mailed me the of XX/XX/XXXX not XX/XX/XXXX. I WILL NOT PAY THE FEE CLOSE MY ACCOUNT IMMEDIATELY. I filed another complaint with the Attorney General Office. I will pay my balance on my account of {$420.00} and close my account. I refuse to pay the renewal fee of {$120.00} that I just received on XX/XX/XXXX. 
YOU MAILED ME A LETTER DATED XX/XX/XXXX DENYING ENROLLMENT INTO A DISASTER RELIEF PROGRAM THAT I NEVER INQUIRED ABOUT, TALKED ABOUT, CONSIDERED, NEED, OR CONTACTED YOU ABOUT. SO HOW IN THE XXXX I GET THIS LETTER? 

2 ) I have Not contacted INDIGO to enroll in their Disaster Relief Program. Where INDIGO is getting this fraudulent request from because it was NOT me? For real who is fraudulently accessing my information and discussing disaster relief plans with INDIGO? 
I DID NOT CONSENT or AUTHORIZE an application to enroll in a Disaster Relief program. I did NOT contact INDIGO discussing my finances never. I NEED INDIGO TO SHOW ME THESE alleged applications, calls, or letters. INDIGO can NOT because they do not exists. this will make 4 different ones on four different violations you the CFPB and an ATtorney General report.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVE REASON TO BELIEVE THIS HAPPENED WHEN I WAS IN THE XXXX AWHILE AGO. THERE ARE SEVERAL ACCOUNTS REPORTING ON MY CREDIT REPORT THAT ARE FROM THIS INCIDENT. PLEASE HELP ME WITH GETTING THESE ITEMS REMOVED. I'VE FOLLOWED EVERYTHING THAT I WAS TOLD TO DO FROM ON THE XXXX WEBSITE.
Consumer complaint received 2022-09-04
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. (NC)

I am a natural person, I am a living human being, I have the rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-03-27
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. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-06-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (FL)

I went online to the site where you order your free yearly credit reports, as required by law. Both XXXX and XXXX complied immediately online with no problems. Experian, however, did not, and has yet to provide my yearly credit report. Additionally, I have gotten at least XXXX negative credit rejections within the past 4-6 weeks, all based on information provided by " Experian '', of course, so I can not even see what they are reporting. This is unfair, and they should have to comply the same as XXXX and XXXX. Please help me get my credit report from Experian. 
Thank you for your anticipated assistance, Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally dispute the accuracy of information contained in my consumer report. It has come to my attention that your records reflect a missed payment on the account associated with Account Name : XXXX XXXX XXXX XXXX, under the Fair Debt Collection Practices Act. 

I wish to emphasize that I have never missed a payment on this account. Upon thorough review, I have verified that all other accounts are marked 'Paid as agreed ' on my credit report. Therefore, it is imperative to rectify this discrepancy immediately. Under the provisions of the act, it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participatng in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

Such misinformation is not only unlawful but also damaging to my credit standing. If this error is not corected promptly, I will have no choice but to seek legal action to ensure the accuracy of my consumer report. 

I trust that you will address this matter with the urgency and attention it warants. Thank you for your prompt cooperation. I expect a prompt response to this dispute within 15 days, in accordance with the timeframe stipulated by the Fair Debt Collection Practices Act. Failure to provide adequate verification or to rectify any inaccuracies XXXX result in further legal action.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Experian makes finding the freeze/unfreeze option on their website extremely difficult, even for a young tech savvy person. Instead, they push their monthly subscription or 1 time fee services ( scans and locks ) continually.
Consumer complaint received 2016-05-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AR)

I had a XXXX in XXXX 2015 while living in XXXX XXXX, Iowa in preparation for a year-long XXXX trip to XXXX. I left the country in XXXX 2015 and do not have any reliable way of receiving forwarded mail in XXXX. XXXX, medical bill for a small amount was not accounted for ( {$140.00} ), and this was turned over to XXXX XXXX XXXX , XXXX of XXXX XXXX, Indiana. While I changed my USA address with my former employer ( XXXX XXXX ), insurance company, and the medical providers I was currently receiving bills from, the bill collection agency ( XXXX XXXX XXXX ) tracked my new address down, but the small bill 's medical provider did not and thus I did not know of this bill until the collection agency had already filed a derogatory credit item against me. This balance was immediately taken care of and the derogatory removed from my credit report, but the XXXX point hit my credit score took has not been reversed. 
I would like this collection report removed from all of my credit reports since it was the result of a 2 month later billing and a lack of due diligence on the part of the medical provider.
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (TX)

On XXXX XXXX, my wife and I sent a letter to Experian that requested that they investigate errors on our credit report. My wife has already received her portion of the response from Experian, listing the corrections made. Unfortunately, I have not received a response to my portion of the request, and more than 30 days have transpired.
Consumer complaint received 2024-05-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I am not liable for this debt with XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX., I do not have a contract with Portfolio Recovery Associates LLC, they did not provide me with the original contract as i requested.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payments from XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( XXXX ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Consumer complaint received 2015-03-31
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (TX)

My son has had theft of ID/stolen identity with this bank accounts/Debit Card at Wells Fargo. We believe my son is a victim of organized, sophisticated, organized network of criminals who are responsible for stealing money from his bank account using duplicate or cloned Debit cards with my sons # to make transactions. It is believe that the criminals conducted these charges at locations where individuals could assist them with their theft. 
We have been attempting to resolve with Wells Fargo since before XXXX. There has been no resolution as Wells keeps denying claim that anything fraudulent was done in spite of evidence to contrary.
Consumer complaint received 2023-03-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX date reported to Experian credit reporting XX/XX/XXXX. 
I filed a dispute according to the law it states that any related medical debt under {$500.00} not be reported to any credit monitoring company. The total amount reported by above said company is {$250.00} Experian blindly ignored this law that took affect XX/XX/XXXX that I pointed out and also was inacted XXXX. Above said company reported it in XXXX. After I filed a dispute and pointed this law out XXXX choose to ignore it which is now hindering my credit score.