davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We dont have a XXXX XXXX loan number Just a application number from BOA. XXXX. 
We applied for the XXXX in XXXX through Bank of America. We provided all the necessary documents multiple times, ( Before covid we were in the process of a XXXX loan ) We received a confusing letter from BOA on XX/XX/XXXX that they did not have all necessary the documents ... We then were directed to go through BOA intranet service and could see see all the documents. This did not work from the get go. After weeks of back and forth we finally were able to get the application ( see above number ) On XXXX  XXXX we received another letter from BOA stating that the loan application was denied because there is already a XXXX loan affiliated with our XXXX. ( XXXX ). We do not have a XXXX loan we never signed or were given a promissory note nor have any funds related to XXXX been disbursed or deposited into our Bank account. Since then we have been trying to resolve this with our local BOA rep XXXX XXXX out of XXXX XXXX Florida he sent us over to XXXX XXXX which never once returned a call or responded to our emails. BOA reps continue to avoid responding and have supposedly escalated the matter 3 times and is now in California. Most recently I have spoken to a BOA rep named XXXX XXXX from California ID XXXX ( XXXX XXXX ). On XX/XX/XXXX he reached out per phone call. He could not tell us anything other than it is escalated now for the 4th time and that someone would be reaching out typically within 72 hours and no later than a week, It has been over 2 weeks now and we have nothing. 
It seems our XXXX was used by someone else and the funds are locked or something else. Since we can easily verify that we have not received funds we these funds deposited into, our business account immediately. After funds are received moving forward I am happy to do whatever it takes to help resolve this fraudulent case.
Consumer complaint received 2020-08-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NV)

On XX/XX/XXXX my account was deposited {$20000.00} for my paycheck protection loan for my business I was approved my loan was approved and then my account was closed I bought in all of my documents to show that this was my business this is my account but they state because it was a personal account and the funds got approved to my business Ill have to wait
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NY)

I have credit card with citi bank They kept increasing my credit card first from XXXX to XXXX and finally to XXXX. I recieved letter stating there decreasing my credit limit back to XXXX This isnt RIGHT since now im at that limit.. I have never been late or missed any payments and always paid more then what was asked.. Citi said it was cause of my credit report credit report said it was citi Its a big game with them. I talked to a rep and she told me that the manager could over ride this and she even gave me a XXXX credit. 

Mean while now that they decreased my credit limit it shows up on my credit report.. I thought having XXXX - XXXX was good credit To me citi bank is a big fraud and liarers
Consumer complaint received 2023-03-29
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. (TX)

I did not provide the credit reporting agencies with written permission to report any of these accounts I am requesting to be removed. This is a violation of 15 U.S Code 1681b ( a ) ( 2 ).

I did not provide any of the listed companies with consent to share my credit card ( ID, SSN, etc ) with another entity ( I.e the credit reporting agencies. This is a violation of 15 U.S Code 1681s-2 15 U.S Code 1602 ( I ) says any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit is by definition a credit card
Consumer complaint received 2022-01-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Experian. Lets correct this immediately. Experian is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

XXXX XXXX  XXXX XXXX )
Consumer complaint received 2022-01-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OK)

On XX/XX/XXXX, I was on my way to physical therapy when I was hit by a lady who had no drivers license or insurance. The lady was at fault and received several tickets. My insurance company progressive determined that my car was a total lose and issued credit acceptance a payment of XXXX, XXXX on XX/XX/XXXX. On the day of my accident I got a payoff quote sent to me from credit acceptance ( The Payoff Amount owed on the Account is {$13000.00} as of XX/XX/XXXX ) and I notified them of the accident. I also purchased GAP insurance and a warranty when I purchased the car which totaled XXXX, which should take care of the difference. Credit acceptance is now saying I dont have Gap or a warranty and is reporting to the credit bureaus that I am XXXX days behind on payments and owe them XXXX ( the amount keeps rising so XXXX not for sure on amount ). This is the second time reporting credit acceptance the first time was for the FAKE warranty that I purchased and now to find out the Gap insurance I purchased was a scam also. 
I sent a dispute to all three credit bureaus that showed all this and explained the date of the last payment was wrong which according to MY RIGHTS the credit bureaus should have deleted it because of incorrect information instead ignored my request and said it was reporting correctly. This would also be the second time all three credit bureaus violated MY RIGHTS, I am also sending a copy of the first dispute where all three credit bureaus refused to delete incorrect payment information.
Consumer complaint received 2020-08-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Tate and Kirlin Assoc (TX)

this is a debt thats over 20 years old that the company XXXX XXXX removed from my credit report and forgave a long time ago, they keep harassing my parents and this needs to stop, I have already called them and told them to stop and to removed my parents phone number from their list, this is abuse and harassment and have no basis.
Consumer complaint received 2020-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (AZ)

I contacted Midland Funding several times and they confirmed that this account was opened with an alias, not my name but refused to furnish me with the requested information from the original creditor so I can find out how this account was opened. I have disputed with the credit bureaus which state that Midland is verifying this debt but not supplying documentation for this " verification. '' I have requested several times : The identity of original creditor. 
An ORIGINAL copy of the contract between the original creditor and myself ; with my signature. 
The proper and legal assignment contract between you the collection agency and the original creditor ( proof that you are legally assigned to collect this debt on behalf of the original creditor and not just buying debts for pennies on the dollar to collect illegally ). 
Proof that you are licensed to collect debts in insert name of your state ; A line by line accounting of the ORIGINAL account ( transaction history, a full breakdown XXXX Proof that you the collection agency are in compliance within the statue of limitations for the state of Arizona. 
Verification or copy of any judgment ( if applicable ). 

This company as well as the credit bureaus have refused to supply me with this information and it has affected my credit and ability to obtain needed credit. This company also has obtained verification of identity theft from the credit bureau.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aspen National Financial, Inc. (FL)

For years I have been contacting XXXX  XXXX regarding this account. I do not have a mortgage with them as it has been paid off and I have demanded cancellation of this account as it was sold to be under fraud basis. They have blatantly ignored and dismissed my requests. I informed them of Aspen continuously contacting me and they still ignored. I am baffled by the lack of assistance from them even thousands of dollars later. I need this account cancelled.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: American Credit Acceptance, LLC (NE)

The credit bureau is reporting an old closed account that is over 7 years old. The creditor that is reporting this outdated closed account on my credit bureau is American Credit Acce. I have disputed this item several times with the credit bureau and the creditor.
Consumer complaint received 2018-03-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JH Portfolio Debt Equities, LLC (OH)

XX/XX/2018. I realize I was misquoted by XXXX XXXX and since XX/XX/2018 I have reached out on numerous occasions to rectify the issue. I was told the process could take anywhere from a couple weeks that turn into now 20 days to process. We have now gone past that timeline and I still have not been told anything of my {$500.00} credit being returned to me via mail or put back into my account
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (MD)

I am writing to express my serious concerns regarding the handling and distribution of my personal information by XXXX, XXXX, and XXXX, in conjunction with American Express and XXXX XXXX. My complaint is grounded in the obligations set forth by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( a ) ( 4 ), which underscores the necessity for consumer reporting agencies to operate with fairness, impartiality, and a profound respect for consumer privacy.

It has come to my attention that my personal and financial data has been shared without my explicit consent, in direct violation of the principles outlined in 15 U.S.C. 6801. This section clearly states that financial institutions hold a continuous responsibility to uphold their customers privacy and the confidentiality of their nonpublic personal information. Given that American Express and XXXX XXXX operates as a financial institution within the interpretation of this statute, they, alongside the aforementioned consumer reporting agencies, are required to adhere to these guidelines. 

Further to this, 15 U.S.C. 1681b sets forth the permissible circumstances under which my consumer report may be furnished. It is explicitly stated that consumer reports can only be distributed in adherence to the written instructions of the consumer to whom it relates. I have not provided such permissionin written or any other formto XXXX, XXXX, XXXX, or American Express and XXXX XXXX. Furthermore, I am not the account holder on these accounts nor have I given any permission to report these accounts to any of my reports. Accordingly, I hereby revoke any presumed consent for the distribution of my information, irrespective of its form. 

In accordance with 12 CFR 1016.7, I am exercising my right to opt-out of your reporting services effectively immediately. I insist on a prompt review and rectification of these issues, aligning with the stipulations and the spirit of the Fair Credit Reporting Act and related statutes concerning consumer rights and privacy.

The Privacy Act of 1974 ( 5 US Code 552a ) states No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of the individual to whom the record permits neither American Express or XXXX XXXX have never received written or verbal consent from me to report to any consumer reporting agency as I am not the accountholder.
Consumer complaint received 2022-09-13
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. (MI)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (ID)

Equifax and XXXX  should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2022-09-15
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)

XX/XX/XXXX, i called the courthouse asking do they report bankruptcies to the credit reporting agencies. " The courts responded and said they DO NOT report any bankruptcies to anybody and that i can go to they're website and print off the letter they have on the home page stating that they do not report to the agencies. '' So if that's the case how did the credit bureaus certify my bankruptcy as 100 % accurate. They never did a fair invistagtion according to the 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report " mean a consumer report or portion there of in which information on a consumers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 U.S.C 1681.

According to : 15 U.S.C 1681 section 602 A. States i have the right to privacy.

According to : 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 According to : 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.

And i also want to inform you guys that the credit agencies removed one of the bankruptcies the one from XXXX when i originally filed a dispute threw them and then put it back on my report which i will provide proof in the following documents which is also a violation and also put a change on my report as making it seem i just filed a new bankruptcy with a new case number.
Consumer complaint received 2018-07-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (OH)

On XX/XX/XXXX, I initiated a rollover of a 401k to an IRA with the stated intent on taking a one time dispersement for a down payment on a home. I was sure to inform Wells Fargo of this purpose. I was told " a couple of weeks '' for the entire process to be completed. The IRA was created on XX/XX/2018. I promptly submitted the distribution form that same date at XXXX to the email XXXX as instructed with an expedite ticket number of XXXX. I was told it would be fully complete in 5-7 business days. I have had to make multiple calls with Wells Fargo agents unable to locate the form, unable to find the underlying account, and insisting I had to start the process over. In total, 10 calls have been made regarding this. On XX/XX/XXXX, at XXXX, I was instructed to resubmit the form to the same email above and it would be processed within 24 hours. This did not occur. In a call back to voicemail on XX/XX/2018, I was notified that in response to my inquiry they were unable to find any evidence of a submitted form. 

The continued delays, obfuscation, and inconsistent messages are materially interfering in my contractual obligations with the sellers of the home I seek to purchase. A closing date for the home has been delayed 3 times as a result of the incompetence and misdirection of Wells Fargo 's investment services team. This is my money. This should be a routine transaction that is common for 1st time home buyers. I insist they release my funds to me on an expedited basis. Any assistance in securing this result would be appreciated.
Consumer complaint received 2017-08-02
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 has not been reporting my accounts to at least 2 bureaus and i have continuously disputed this issue with the credit bureaus and the company. I have had this account since XXXX 2015 and have never been late etc. XXXX XXXX has n't repoted my account in over 4mnths. They claim the are but the report agencies say they dont see the account. This is a company that is actually hurting my credit by not reporting it. Its been a headache dealing with this.
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

I contacted experian on the XXXX to advise them that XXXX XXXX XXXX agreed to delete account XXXX. I was told to send the letter via fax to fax number XXXX XXXX XXXX. I did so on the XXXX  along with proof of payment. I called Experian today on XX/XX/XXXX because instead of deleting the account as XXXX XXXX XXXX agreed they update the account and give a XXXX excuse that they haven't gotten to the faxes from the XXXX but yet update my account either yesterday the XXXX or today the XXXX. I check my report religiously.
Consumer complaint received 2020-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (MI)

I reached out to Credit Management because they have a paid collection on my credit report 4 yrs old stopping me from buying a home. This is the second time I dealt with them on an issue like this the other was removed. They have listed an account which I paid XXXX $ Back in XXXX   directly to the XXXX XXXX XXXX. The company acknowledges that truth and emailed me a letter stating they acknowledged it was satisfied and if they reported my account to the bureau they would contact the bureaus tI update accordingly. I had no signed contract with this company at any time.