davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: American Credit Acceptance, LLC (MN)

It has come to my attention XXXX XXXX XXXX is illegally reporting to my consumer report without my consent or validation of a debt being owed in accordance to 15USC 1692g. This required by all debt collectors after the initial communication in regard to a debt. I have filed the appropriate FTC identity theft report and attached it below. This information is required to be blocked upon 4 days of receipt of this notice.
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (OK)

This company reported my account in a Bankruptcy status I could speak to anyone for a month when I called then they kept telling g my account was in Bankruptcy I told them I was filing bankruptcy because I could not make a payment this made my account110 days delinquent now they have closed my account and it has hurt my credit score. I have called in I was told that it was temporarily closed and once the account became current it would be reopened I have called several trying to speak with the legal department now they are telling there is no legal department then I asked for a phone they are telling they is not a phone to the legal department so I have called three times requesting to speak with a supervisor I have been placed on for 20 to 30 minutes or they tell me a supervisor is not available they have hurt my credit score several times over this whole matter even though they have removed the bankruptcy status my account is removing closed I have never had such a hard time dealing with a credit cared company
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2017-10-12
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. (FL)

I CONTACTED THE CREDITORS AND THE CREDIT BUREAUS ON THE FRAUDULENT INFORMATION ON MY CREDIT FILES.FIRST I WAS EVER LATE WITH XXXX XXXX, XXXX IS A FRAUDULENT ACCOUNT, REGIONAL ACCEPTANCE IS A FRAUDULENT ACCOUNT, XXXX XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX XXXX, XXXX A FRAUDULENT ACCOUNT, WE XXXX XXXX IS A FRAUDULENT ACCOUNT. I HAVE ATTACHED MY POLICE REPORT PROVING THE FRAUD.
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (NC)

Between XX/XX/XXXX, XXXX XXXX, XXXX  Truist Bank , initially charged me XXXX {$36.00} fees totaling {$3900.00}. All the money that enters my account is child support income. Due to loosing XXXX XXXX  in XXXX I have not been able to return back to work.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/24 contacted Chase Bank XXXX XXXX XXXX, XXXX CA XXXX in person, to close a trust account for a family trust at the death of the original Trustee. Chase Bank claimed the account was not a trust then later that next day said it was a trust and asked for a copy of the Certificate of Trust designating the new Trustee. This form was originally presented XXXX but was sent to them several times via email again as the new trustee had by then returned to their XXXX home. 

XXXX XXXX  later without the account being closed yet ... .the supervisor, XXXX , at the Chase Estate Services corporate office in Illinois said she had sent a letter to the new Trustee by mail requesting a form XXXX Chase Trust Certificate that now needed to have a XXXX XXXX XXXX since the new Trustee lives in XXXX . A XXXX XXXX could take XXXX months ... .this is unacceptable!!

This bank is holding this money unnecessarily and needs to close it without further hoops to jump through. This could all have been done in XXXX day as the new Trustee presented all necessary notarized paperwork in person on XX/XX/24. If other forms XXXX were needed they should have been presented at that time!! This is all inept banking practices designed to harass and use others money for their own purposes.
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (AL)

On XX/XX/XXXX, I made a dispute with Wells Fargo credit card division. I explained that I hired someone on XXXX to finished a website. Once I hired this person, I started receiving different emails from XXXX, saying that my account had fraudulently activity. They sent me 5 emails asking for my credit card cvv and the expiration date. I knew this wrong because I knew a company would not ask for that information. They would just disable the account. In the midst of this, I received an email from XXXX saying my information had been compromised on the dark web. As I continued to work with the seller, he kept asking me to send him a code to transfer my domain, as I continued to give him the code over and over, he acted as if he couldn't receive the code. As I kept giving him the codes, XXXX sent me a text message stating not give anyone my code. At that point I knew he was trying to steal my information and access my personal accounts. I cancelled my order immediately and did a dispute with my bank. When I did the dispute over the phone, the man did not request any information nor did he go through the regular routine that they normally do when you file a dispute, that leaves me to think Wellsfargo is a XXXX bank. Once he heard I was XXXX XXXX he did not care through the proper way of doing the dispute. I never heard anything back from Wells Fargo since the day I Initiated the dispute nor did I ever receive my money back. XXXX said they would refund my money and they never did and Although I told my bank that I cancelled my order with the seller and the company was being fraudulent, they never cared to reach back out either.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Subject : Complaint Regarding Delayed Availability of Deposited Funds at Bank of America Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Bank of America regarding the delayed availability of funds deposited into my account on XX/XX/2024. 

On the aforementioned date, I deposited a check from another account of mine into my Bank of America account. At the time of the deposit, I was assured by a representative of Bank of America that the funds would be available for use by the next business day. However, upon reviewing my account information the following day, I discovered that Bank of America had placed a hold on my deposit for a period of five days, until XX/XX/2024. 

Upon further investigation, I confirmed that the check deposited into my Bank of America account had already been cleared from my other account. Therefore, there was no valid reason for Bank of America to delay the availability of these funds in my account. 

I demand that Bank of America immediately release the hold on my deposit and cease the practice of using customer-deposited funds without the explicit permission of the customer. This delay in fund availability has caused undue inconvenience and financial strain on my part. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Bank of America complies with regulations regarding the timely availability of deposited funds and respects the rights of its customers. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: WELLS FARGO & COMPANY (CA)

My husband and I took out a HELOC in XXXX with Wells Fargo. At the time, we were approved and locked in at around 7.87. A few days before the signing the documents, Wells Fargo raised the rate to 8.75 or so. We had no choice because we were purchasing another home that required this HELOC to fund the sale. 
Fast forward with the financial meltdown on our business in XXXX. We found ourselves in a financial crisis in XXXX. We turned Wells Fargo for the next several years to get a modification on our second to no avail. I was getting the runaround from them. Constantly sending documents, faxes and phone calls to Wells Fargo unanswered. Promises made by Wells Fargo and documents list. 
On XX/XX/XXXX my husband and joined in a Class Action Lawsuit against Wells Fargo. Wells Fargo failed to help us in the year XXXX on a modification we desperately needed at the time on a HELOC. Wells Fargo gave us the runaround up into XXXX. When we had no choice but to file XXXX.
Consumer complaint received 2021-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (MI)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Despite the multiple previous written requests for ENHANCED RECOVERY COMPAN, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2024-02-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rocket Mortgage, LLC (FL)

" Quicken Loans '' is harassing me, attempting to manipulate me to refinance my loan to them at a higher interest rate. I did NOT request anything from Quicken Loans nor have any interest in dealing with them. I have informed them, via email, to " Cease and Desist '' but they continue to harass me. 

I fear that " Quicken Loans '' is attempting to hijack my mortgage and/or property. Furthermore, I fear that Quicken Loans is attempting to damage my credit rating in order to force me to switch to them at the higher rates and fees. 

Furthermore, I believe that Quicken Loans is attempting to literally steal my property. 

Attached is the latest email received from them. No matter how much I attempt to " Unsubscribe '' or ignore them, the emails continue.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-02-13
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: EQUIFAX, INC. (MA)

I've recently checked my credit report and noticed some inaccurate and fraudulent account reporting. I contacted the credit bureau and they failed to follow-up with my complaint of multiple unauthorized accounts reporting.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (MI)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account, I C SYSTEM, is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

XXXX I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX , DE  XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-08-23
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 XX/XX/XXXX XX/XX/XXXX I asked for Equifax to show validation and even go more in depth of the chapter XXXX bankruptcy on my credit. They refusal to investigate more in details. I reached out to the courts that Equifax provide me with and I spoke with the court of clerk and I was advise they do not verify anything with the credit bureaus or provide any information to them. How is this account verified?
Consumer complaint received 2017-11-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: VALLEY NATIONAL BANCORP (NJ)

on XXXX XXXX I purchase a XXXX XXXX from XXXX XXXX in XXXX, NJ. On XXXX XXXX, XXXX I paid the loan off in full. As of this date I have not received the original title or letter stating that the loan was satisfied.l The loan was at the Valley National Bank XXXX XXXX XXXX XXXX, NJ XXXX. On XXXX XXXX I called XXXX XXXX and was told title was mailed on XXXX XXXX XXXX and I told them I never received it. I called on XXXX XXXX and spoke with a XXXX and he said title was never sent but a XXXX party was involved my title support XXXX and I spoke with XXXX she said they ca n't help it was the bank that had the title. Called back and spoke with a with a XXXX XXXX XXXX and she was going to look into it because the depart was closed but she said that the title was probably sent out. On XXXX I spoke with a XXXX XXXX XXXX and she was going top look into it but call XXXX party they could help. Called XXXX at XXXX and said for a fee he would send me a letter to get title from XXXX XXXX. Called XXXX back spoke with a XXXX XXXX XXXX and said they do not have title other company has it not in system yet to call back
Consumer complaint received 2017-11-02
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. (FL)

There are several accounts that are past the statute of limitations, duplications and the student loans through XXXX XXXX XXXX XXXX are ALL being re paid and should NOT reflect in a collection status. Please correct these ASAP
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Ever since XX/XX/2023. I have not been able to view anything on my credit report and when my credit report was pulled. I noticed Equifax has my Credit file Blank. Must we be furnished with the reason ( s ) as to why Im not allowed to view an accurate and update copy of my credit report. Theres no way my credit report has not updated since XX/XX/2023 its almost going into a year. I feel my rights as a consumer under the FCRA CONSUMER LAW HAS BEEN VIOLATED. At this point Im about ready to seek arbitration for defamation of character.
Consumer complaint received 2018-05-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (CA)

Im just a Co-Signer on the contract and basically its my dads car. He is not able to pay the XXXX XXXX which negatively affect me. I was wondering if they could just remove me from the contract as a co-signer and just solely put the contract to my dad
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

Equifax has not send any information on why this account keep reapaering on my credit report once it has been removed. Equifax reinserted XXXX XXXX XXXX acct. XXXX which is a voilation of the FCRA. Under policy U.S.C 1861i ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( 5 ) ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) )
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX