davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Re : Inaccurate account on credit bureaus : Bank of America XXXX To : XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX To : XXXX  To : XXXX  According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see with my own eyes - Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2020-05-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (NY)

I initiated a wire transfer for down payment closing costs on my home at XXXX on XX/XX/29 with Discover Bank. I checked that this wire was for closing costs and I did not expect to have any more wire transfers in the future. I called to verbally authorize the transfer, confirmed that it was for a real estate closing, and was asked to upload my Drivers License and a bill or W2 to validate my address. I submitted those documents at XXXX, at XXXX I get an email from Discover that there was unusual activity in my account and they have frozen the account. I call Discover - was on the phone with them for 162 minutes, got hung up on twice from two different supervisors. They told me it was a " business decision '' to close my account, and they need to investigate the funds which will take 60 days. Then they will mail me a check IF they determine the funds are legitimate. I have banked with Discover for 5 years, never any issues. I have NO idea why my account was flagged, closed, and funds frozen. I was relying on those funds for my down payment, and now do not have access to them.
Consumer complaint received 2023-01-18
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: LEXISNEXIS (TN)

I have been battling this bankruptcy account for awhile now and this haven't been proven whatsoever. The information across the reporting bureaus are different from each other implying that this account have different values and information.
Consumer complaint received 2019-03-04
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: LEXISNEXIS (OH)

I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX  XXXX please delete any other names. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2019-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (MD)

Several accounts were opened with XXXX XXXX using my information and ID. Even though I have submitted documentation that these accounts ( XXXX XXXXXXXX, XXXX XXXX, XXXX Visa ) are fraudulent, XXXX XXXX   continues to contact me for payment. On a half dozen times each, theyve contacted my parents ( both at work and on their mobile numbers ), two of my brothers and they have contacted me at work five times even though I have told them to stop because I can not receive calls at work. They called twice today, XX/XX/XXXX. The first time I spoke to them, I told them never fi call me at work again. They said if I didnt, theyd garnish my wages even though that requires a court order. XXXX has been involved in countless lawsuits over this behavior, yet it continues. The second call of the day was a voicemail. And these accounts arent even mine!!
Consumer complaint received 2017-01-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XX/XX/XXXX CFPB : TARP Fund Recipient Bank of America gave up to {$60000.00} in enhanced relocation assistance to others, but gave me NOTHING! I demand that Bank of America give me {$150000.00} in enhanced relocation assistance, including interest, from their EVICTING me XX/XX/XXXX, stealing the personal property of XXXX Generations of my family, XXXX. 
XXXX, XXXX, a XXXX XXXX XXXX XXXX. My parents built XXXX XXXX XXXX, XXXX, IL. 
XXXX XXXX Real Estate Section reported Bank of America giving up to {$60000.00} in enhanced relocation assistance to others. Bank of America did not dispute that. On one Website Bank of America states : " That 's why Bank of America is excited to offer enhanced relocation assistance. Qualified homeowners who initiate a Preapproved Price short sale ( without an offer ) could be eligible to receive {$5000.00} - $ XXXX in relocation assistance and owe no more on their mortgage with the sale of their property, depending on the investor involved. '' Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXXXXXX
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

My score with Equifax is still showing the lowest, at XXXX compared to experican at XXXX and XXXX at XXXX I have complained before about their reporting my scores, lowering my scores when balance decreased, and this is STILL not corrected, I am attaching screen shots, showing the following items that have not been corrected, where my balances decreased, and/or collections were removed and Equifax either made no change to my overall score or decreased my score : XX/XX/XXXX decreas and collections removed score up - OK this is good but then : XX/XX/XXXX NO SCORE CHANGE collection removed balance decreased by {$150.00} XX/XX/XXXX Balance decreased by {$680.00} and a collection removed no score change why? 

XX/XX/XXXX - XXXX points balance decreased by {$1.00} why? 

XX/XX/XXXX Balance decreased 13 points, and my balance decreased by {$230.00} why?
Consumer complaint received 2019-08-09
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

on XXXX/XXXX/19 at XXXX XXXX  I received an email regarding my costco visa card that said " THANKS FOR CONTACTING US ' I did not contact them! 

Then the y told me me " heres a summary of the recent customer service call regarding your costco anywhere visa. '' THERE WAS NO CALL! 

The email went on to say that .... 

" A card on the account has been reported lost or stolen. '' THE CARD WAS NOT REPORTED LOST OR STOLEN! 
THE IS/WAS IN MY WALLET ON MY DESK 10 FEET AWAY FROM ME. 

When I called customer service all they did was apologize. 

" We're sorry sir it appears we canceled your card because of a security concern. '' THAT SECURITY CONCERN WAS ME TRYING TO USE MY CARD. 
THEY NEVER SPOKE WITH ME THEY JUST UNILATERALLY CANCELED THE CARD FOR NO REASON.
Consumer complaint received 2020-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

A credit card was fraudulently opened in my name around XX/XX/2016 and charged up to XXXX. I was not made aware until I checked my XXXX credit report due to the credit breach. I notified the current account owner CAPITAL ONE BANK N.A. who received my police report and agreed to delete the account from my credit profiles. The account was later sold to XXXX XXXX XXXX, XXXX who then began re-reporting the account. I have been harassed for over two years by this company who keeps giving me conflicting information. Due to my information being apart of the data breach XXXX  has recently removed the collection but XXXX XXXX is still reporting to the other bureaus and refuse to remove all account history no matter what. I would like this to be resolved before I am forced to proceed with legal action due to the negative affect this has caused in my home purchasing process.
Consumer complaint received 2020-04-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I contacted Citizensone loan because of the current situation of the Covid-19 pandemic to see what forbearance programs they have during this time. I am XXXX XXXX and am currently shut down. Citizensone stated that they have a forbearance plan which consists of 90 days and can be extended for an additional 90 days, if needed. At the end of the forbearance period all delayed contractual payments will be due on your next payment due date. How is that helping me? How can I come up with all those missed payments in one lump sum? I have a mortgage with XXXX XXXX XXXX  which has graciously given me 90 days and will extend for another 90 days, if needed and they are extending my mortgage payoff by that amount of months taken. That is what a bank should do. Citizensone is unreasonably taking advantage of the consumer in this pandemic. I know of many other banks like XXXX XXXX that are coming to the aid of their customer, that's helping American people get back on track in this difficult time. I have contacted Citizensone numerous times to try and resolve this issue but they will not negotiate.
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

So basically i had filed several disputes on closed accounts that are on my credit report that are inaccurate and unverifiable. Many times i had to call Transunion, XXXX and XXXX and update them but they failed to make any changes and remove these inaccurate and unverifiable accounts from my credit report. Accounts that do not belong to me are 1. XXXX XXXXXXXX XXXX  2. XXXX XXXX 3. XXXX XXXX.
Consumer complaint received 2021-04-05
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. (TN)

I have requested that the wrong addresses that do not belong to me be removed from my credit report. I have sent letters and go no resolve on the following dates this year : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, Experian and XXXX has not complied with my request I demand these addresses that do not belong to me be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Experian : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Despite sending two dispute letters, via certified mail, regarding two XXXX XXXX XXXX accounts, on XX/XX/XXXX & XX/XX/XXXX and uploading supporting documentation via Experians dispute, showing on time payments deducted from my bank account, Experian continues to state inaccurate late payments that never occurred, are verified. Experians refusal to correct clearly inaccurate information is in violation of federal law, has significantly damaged my credit score and has had significant, unfair and unnecessary financial and emotional repercussions. My credit score has unnecessarily dropped nearly 60 points and I can not acquire needed credit during a catastrophic pandemic. Per FCRA, Experian is required to have a copy of original documentation ( a consumer contract with my signature on it ) as required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ). Furthermore, despite two requests via certified mail, Experian has failed to provide the method of verification under 611 ( a ) ( 7 ). Per section 611 ( 5 ) ( A ), Experian is required to promptly delete all information that can not be verified. Please be advised that this is my third request and final warning that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights, seek relief and recover all monetary damages that I may be entitled to under 616 and section 617 regarding your willful and negligent noncompliance.
Consumer complaint received 2021-02-10
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)

The Credit Bureaus have stated that they have verified a bankruptcy on my credit file as accurate and it was verified with the USBK COURT XXXX OKLAHOMA. Which is incorrect. 

I have uploaded the letters that describe the issues I am having..
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 
XXXX XXXX XXXX.
Consumer complaint received 2021-08-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: KEYCORP (NY)

I took out an additional loan on an existing line of credit with my bank, Key bank in XX/XX/XXXX. I immediately began making payments on the principal amount on this loan because the interest was higher than on the original fixed rate option. I eventually began making additional principal only payments on this first FRO. I met with bank staff early in this process who advised me how to make sure payments went to the principal. Later when checking the balance on the second FRO it became evident the bank was misapplying my principal only payments, usually to the lower interest FRO when I was trying to pay down the higher amount. I had multiple conversations with the bank manager in XXXX where I made my payments. He forwarded my complaint to the Advocacy department. They provided a partial list of my payments in XXXX, XXXX and have yet to provide a complete payment report after repeated requests. From this initial report it showed misapplication of my principal payments at least half the time, random failure to take out my monthly payments and they have been unable to respond to requests for this information. In recent discussions with the bank manager ( a new one ) he indicated the main office had requested they research my payments and he reported the branch appropriately directed my payments to the 2 FROs as requested. They also showed that the initial amount of {$25000.00} was immediately adjusted to over {$26000.00} with no explanation. I paid off the original lower interest amount in XXXX to try to eliminate the problem from continuing. The bank manager told me the pay odd balance. The statements show it was applied then taken away- the bank could not explain, but amount of {$8700.00} was deducted from my checking account. They continued to pull at least one more monthly payment and said I still owed about {$13.00} after I had tried to pay off the loan. They took this from a principal payment to the other FRO later. Current monthly withdrawals/payments are more than the original amount I was told the payments would be on the second FRO. Because of all of these errors and the difference in interest between the two lines of credit I believe they have overcharged me interest on these accounts. They have been unable to offer accurate information, any explanation for these errors, nor any correction to the problems after over 10 months of trying to work with them. I would like a complete accounting, corrections to their repeated errors and refunds of any excess interest charged in error.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LOBEL FINANCIAL CORPORATION (FL)

XX/XX/2018 Lobel financial charged my credit for a auto loan I never inquired or even knew anything about I never made payments and never reached out to the company due to other charges on my credit that I had to make clear to the companies I know nothing of these debt and it had to be someone who has a XXXX Identification like a passport or something which allowing them to make transactions under my credit
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: COAST PROFESSIONAL INC (CA)

To whom it may  concern, I contact XXXX XXXX the loan servicer for XXXX XXXX XXXX of XXXX regarding my delinquent account. I had previously filed disputes with them asking for original account-level documentation however I never received this information. I recently attempted to get a mortgage loan, and XXXX XXXX appeared on my credit report as delinquent. My potential mortgage provider said they require me to get this account addressed before they can offer me a mortgage loan. I contacted XXXX and they told me they could not assist me with credit reporting and I would need to contact the collection agency they assigned my account to called, Coast Professional Inc. I contact Coast Professional Inc and they said XXXX closed the account after only 30 days of the account getting assigned to them, however, I never received phone calls or letters stating the account was assigned to another institution. XXXX nor Coast Professional Inc, never gave me the opportunity to dispute or ask for verification of this debt. 

In the same day, I contacted again XXXX explaining the situation and information I received from Coast Professional Inc. I requested a Manager ( name I did not document ) this manager however was extremely rude and aggressive saying I can't take your word for it we will need to contact Coast Professional Inc to re-open this account and I would have to pay the balance in full so they can assist me with my credit report. I asked if there is any assistance they can offer and she said no there is not. I let her know I would be filing a dispute as I see several state and federal violations here from UDAAP, FDCPA and FCRA in violation and she did not seem to care and said she would respond back to the CFPB accordingly. 

I'm asking for the CFPB to please assist me with this challenging issue as I'm in desperate need to obtain a mortgage loan, however these issues, violation of federal law and unprofessional service are making it quite difficult for me to successfully obtain a mortgage loan. I look forward to hearing from you. 

Best regards,
Consumer complaint received 2021-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter on XX/XX/2021 regarding inaccurate and unknown things on my credit report. To this day its has been over 30 days later I have received a response yet. It has been 47 days to be exact. I feel like im being taken advantage of and being ignored of my disputes. This doesn't make any sense. I don't understand how this able to happen. this is very unfair. Please make it make sense to me. Just plain stupid.