davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I am still having a problem with Bank of America remodifcation loan applied due to medical conditions 100 % XXXX Veteran. I have all documents sent numerous times via fax and XXXX never processed. 
Promissory estoppel Appelliate Case Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Document XXXX Filed XX/XX/2016 CFPB Complaint Number XXXX XX/XX/2016 Bank of America account ending XXXX.
Consumer complaint received 2017-02-13
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo Bank has refused to reimburse me for monies that were stolen via the ATM using my savings account and presumably a pin. At no time did I authorize anyone to continuously use a debit card to withdraw money from my savings account nor was pin written down or given to anyone. This fraud was done sometimes 2-3 times a day on different debit cards. Since the fraud also happened on my checking account with illegal purchases, after reporting the fraud on my checking account to Wells Fargo and since these were for purchases, Well Fargo reimbursed me. So I would keep getting new debit cards. Since I never used my debit card to withdraw money from my savings account, I did not notice that fraud was also be used against my savings account slowly draining my account. I understand Wells Fargo policy of how many days I had to notify, etc. and although there was over {$2600.00} worth of money that was taken against my account, I was not expecting the entire amount. However, Wells Fargo still insisted that these were done by me or someone I knew and have refused to reimburse my account. Thus, over {$2000.00} of my money has been stolen and Wells Fargo ( because they ca n't prove otherwise and presumably their fraud insurance does n't cover this ), had just shut down my account leaving me to find a new bank. This all took place in 2016.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXXXXXX, I deposited my payroll check with Bank of America because my direct deposit was caught up in a transition between accounts. Bank of America put a 5 day hold on my check stating it would be released at XXXX XXXX  on XXXX/XXXX, in writing. No probably or might be extended. The funds were not released and I called my bank and while on hold at XXXX XXXX on XXXXXXXX, I called the bank and checked my email and found an email stating they decided to put a hold until XX/XX/XXXX. This is a payroll check from the XXXX XXXXXXXX XXXX XXXX in the city, I can not pay bills, buy food or anything because they have held my money for this long. Their response is oh well, even when I stated I would file that complaint. 3 supervisors pretty much state that it is not their problem. 

This is on top of having funds that they stated were returned to another party sitting in my closed account stating they didn't have it the week before. While that was resolved there seems to be a pattern of holding deposits and not letting people have access.
Consumer complaint received 2021-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/2021 I sent a letter to Portofolio Recovery Associates letting them know that the statue of limitation has past on account # XXXX and that I do not want to be contacted no more about this debt I will attach this letter that I sent to this dispute. My dispute is because Portfolio Recovery Associates has ignore my letter and break federal law and violate my rights under the FCDPA by sending me unrequested letters of validation every other week.
Consumer complaint received 2017-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have paid all my debt, accounts that were past due or closed. some were removed but others were n't. i wrote to the credit reporting and sent them copies of the letters I received that shows they were paid but nothing has changed
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I financed a car with Toyota finance for {$28000.00}, All payments were made on time. Car had XXXX XXXX XXXX and Toyota finance was co-insured on the policy. Car was totalled on XX/XX/XXXX. XXXX XXXX advised Toyota that the insurance was in force and Toyota sent the case to their total loss unit. Because of Covid-19 all of the toyota and XXXX XXXX people were working from home or part time and it took a few months for XXXX XXXX to issue payoff check to Toyota. On XX/XX/XXXX XXXX XXXX filed a chapter XXXX business bankruptcy. On the filing lawyers for toyota immediately file a proof of claim even though Toyota had already agreed to have loan paid by XXXX XXXX as a total loss. In XX/XX/XXXX the Toyota remaining balance was paid in full by XXXX XXXX. In XX/XX/XXXX Toyota withdrew their claim. The bankruptcy was voluntarily dismissed-no creditors claims were discharged. the Credit report continues to show " involved in Bankruptcy '' even though bankruptcy was dismissed without any order of relief or adjudication. 15 USCS sec 1681c bars disclosure of a bankruptcy case except from date of entry of order of relief or adjudication. the Toyota XXXX, XXXX XXXX report is false in that it claims the " account included in a chapter XXXX consumer bankruptcy. " This is a false statement for 2 reasons ( 1 ) before the bankruptcy XXXX XXXX had already agreed to pay Toyota the claim as a total loss, which was legal and binding because Toyota was an additional insured and therefore a direct beneficiary of the State farm insurance, and ( 2 ) no report of a bankruptcy case is allowed that is dismissed because there is no start date possible for the ten year reporting period because dismissal means you can not have either an order of relief or an adjudication.
Consumer complaint received 2017-12-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc. (CA)

I had cellphone service through XXXX XXXX AKA XXXX XXXX. I called them back in XXXX/2014 I am not exactly sure, and I requested the service to be cancel, because I start a new service with XXXX XXXX XXXX. I paid over the phone what they told me it was my outstanding balance, and then, a few weeks later I received a new bill which I dispute with them, but they never resolve, and instead the send me to a collection company ( MCCARTHY, BURGESS & ) who harassed me for several months. I will not accept this charges, because they gave me a payoff amount when I contacted them to close the service.
Consumer complaint received 2017-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

.On XXXX/XXXX/XXXX I used XXXX to retrieve all my credit reports. I was not able to get my annual free report from experian and XXXX. XXXX also does not allow me to freeze my credit without making an account with them online.
Consumer complaint received 2024-09-20
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 reviewed my consumer Report regarding XXXX XXXXXXXX XXXX XXXX, account # XXXX and notice that I had a few inaccurate late payment report on an account that I paid off and closed. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. The payment history showing on both credit report agency Bureau are inaccurate. Please investigate and provide proof with statement showing that this payment history accuracy & remove it from my XXXX Report.
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (OR)

Last XX/XX/2018, my credit card limit was only {$1000.00} plus the interest of about {$100.00}. I had used my credit card limit of {$1000.00} only plus the interest of approximately {$100.00}. In XX/XX/XXXX, I could not pay the full amount of interest. Then at the end of the month XX/XX/XXXX, Wells Fargo decided to charge my credit card of approximately {$2500.00} out of nowhere. I called customer service in mid XX/XX/XXXX, spoke to a XXXX, who was of no help. He could not explain the jump of {$1500.00} added on my {$1000.00} credit limit. And every couple of weeks or so, {$100.00} was added and it keeps adding. In mid XX/XX/XXXX I spoke with a couple of women on the phone, last XX/XX/XXXX and XX/XX/XXXX, who kept telling me that I had a credit limit of {$2500.00}! I explained my credit card limit of was {$1000.00}, it made no difference to them. They said that I had charges of {$2500.00}. I asked to send me the so called charges. They sent confusing pages of mostly charges and fees. Then recently last XX/XX/XXXX, I spoke to another Wells Fargo representative, who could not help me because he didn't know what to say. I'm wondering if they mixed my account with someone elses account. My credit card account was closed about five months ago. But Wells Fargo keeps charging my closed account with fees and charges. Now, my credit card has a balance of {$3000.00}! Now, I have {$2900.00} in charges that I do not owe. 

I am a senior citizen on a fixed income and I would never agree to a {$2500.00} credit limit. I only agreed to a {$1000.00} credit approximately over three years ago. So either Wells Fargo is having a computer glitch, my account was switched with another account, or I am the victim of identity theft.
Consumer complaint received 2017-09-30
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. (NC)

The recent breach of Equifax has allowed someone access to my personal information, and XXXX of my credit cards was used for unauthorized purchases. I never consented for this or any reporting agency to have my information in the first place. Now it has been stolen because of their poor security.
Consumer complaint received 2022-09-08
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc (DC)

My former landlord The XXXX at XXXX XXXX, MD reported an outstanding balance to a debt collector agency called Hunter Warfield. The landlord has not contacted me for the payment before. But the amount is correct and I am happy to make the payment. 
But their collection agency sent me a mail a month ago. They said they will contact for instructions on payment via check. But instead of sending me the instructions, they have been harassing me on the phone. I never received any instructions by mail. One person who called me from the agency forced me to provide my credit card details on the phone. And he threatened me for not paying by credit card. I told him many times that I am happy to pay via check. He refused and hang up on me. 
Thank you for your help.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX - XX/XX/XXXX - {$2000.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2700.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX XXXX {$290.00}
Consumer complaint received 2019-10-26
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: EQUIFAX, INC. (LA)

Here we go AGAIN with XXXX XXXX, XXXX, and XXXX, otherwise known as XXXX, Equifax, and XXXX!! 

While one company corrects the false information reported, they put other old information they had once removed back on there or their XXXX XXXX counterpart puts it back on their site and instead of my score going up like it should it continues to go down which makes NO SENSE!! Their explanation to me is Pay your bills on time blah blah blah except this is from accounts that are either not mine or from accounts that have been closed for 8 years and were paid 100 % on time.
Consumer complaint received 2017-07-06
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I would Like to file complain against Transunion and XXXX which are credit report company. I called them to dispute hard inquires on my credit reprot and they want me to call each company on my report. I did call some of them and some companies will send letter to dispute and some will not. My name is XXXX XXXX Email address is XXXX.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

XXXX Chase - XXXX XX/XX/2023 there were 2 charges from " XXXX XXXX '' for {$74.00} and {$69.00} on the same date and time, from a location in XXXX, XXXX. They are fraud because I did buy or receive from a place with that name for that amount. I tried to get more details from the credit card company but they did not want to give me any details and just denied it. They would not give the merchant information.
Consumer complaint received 2019-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2017-09-13
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: EQUIFAX, INC. (NC)

In my opinion, the mechanisms provided by the credit bureaus to consumers that allow us to protect our private and sensitive data are inadequate due to a fundamental flaw in the existing credit system. All US consumers who have any credit history or want to participate in the credit market ( CC, mortgage, auto loan, etc. ) have no choice that their most confidential data is provided to these companies. We are not customers of the credit bureaus, and we have no means by which to take our business elsewhere if we believe they are inadequately protecting our data. As a result, the companies have no incentive to improve their security and will likely continue to maintain a poor security posture and rely on outdated, unpatched and vulnerable software.
Consumer complaint received 2022-03-10
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)

XXXX XXXX XXXX illegally furnished information to my consumer report on DATES XX/XX/2021, XX/XX/2021. Every condition under 15 USC 6802 was not met to publish my non public personal information. My rights as a consumer, to protect my non public personal information, were violated by XXXX XXXX XXXX. 
Under 15 USC 1681b ( A ) ( 2 ) a consumer reporting agency can only furnish my consumer report if it has written instruction from me the consumer. I have not given consent to any consumer report agency to furnish my consumer report.

Under 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy
Consumer complaint received 2019-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (NC)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that BARCLAYS BANK DELAWA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On or about XX/XX/XXXX capital one offered me a new master credit card, I already had master card with capital one in great standings> I was told the new credit card will not have an impact while running mt credit. In other words in ll be a SOFT inquiry not a HARD one. I agreed and I was approved for a 2nd master card. In mid XXXX I received a letter from Capital one regarding financing my existing auto loan and also this process will not effect my credit as the process will be ran with a SOFT inquiry not HARD. I did apply for the refinance loan, I got approved however I did not go ahead with the finalization with the loan. On XX/XX/XXXX I looked at my XXXX credit report and I found out that Capital one was not honest about the soft inquiry with the master card but was honest with the soft inquiry regarding the auto loan. I was not happy to say the least. I immediately contacted capital one supervisor to understand the misinformation I was given and why Capital one would do a soft inquiry on a $ XXXX loan and a hard inquiry on a {$1500.00} loan credit card??? The supervisor had no answer for and made it clear she can not speak for the auto loan credit department and gave me no one to speak with further except she did offer me to file a complaint against capital one. I am attaching a copy of the hard inquiry with XXXX along with a copy of the auto loan offering showing no impact on my credit. If I had known the 2nd master card will be ran with a HARD inquiry I would not had accepted the offer. I already had a higher credit master card and certainly did not need the 2nd card.
Consumer complaint received 2017-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have sent certified letters to the company repeatedly and XXXX XXXX XXXX refused to investigate my request listed below. I have already filed a complaint with the Texas Office of the Attorney General. 

Listed below is the request I send to the company again with proof and I received a response letter stating, we will not reinvestigate this request again. Plus, this letter was signed by XXXX XXXX XXXX. 

THIS LETTER IS IN RESPONSE TO INACCURATE INQUIRES AND MY PERSONAL INFORMATION LISTED ON REPORT. ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426- CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. 

PLEASE NOTE, THIS IS MY FINAL COMMUNICATION IN REGARDS TO these INACCRATE ENTRIES BEING REPORTED. 

As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act