davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/2021 I was trying to connect XXXX XXXX to my new TV and in doing so I was given a code to put into my phone in which I did and was prompted to call this number XXXX. I called the number and was told to download the app XXXX  and then these scammers took control of my phone. My bank card was connected to XXXX XXXX and the people started sending money to themselves at cash tag XXXX XXXX and XXXX XXXX. They told me they had to access the card on my XXXX  account which was XXXX XXXX. They also took XXXX $ off my XXXX account which was on my Bank of America account but they returned that money but not the rest. I had just cashed the money out to put in my bank account why would I take it back out that soon. I contacted my bank and XXXX XXXX as soon as I realized what happened closed the bank account and reopened another one and never put another dollar into XXXX XXXX. I don't understand why they returned the money sent through XXXX which was definitely fraud but will not return XXXX . I have sent thousands of dollars between XXXX XXXX and Bank of America and I don't understand why no one will help me get my money back. I will never trust a bank again because fraud happens and you should have your customers back. I never been through anything like this before.
Consumer complaint received 2022-01-18
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I found a XXXX  check for the collateral balance remaining from my secure credit card I had with Wells Fargo. The cashiers check and letter are dated from XXXX, but I had just found the document on XX/XX/XXXX. I first tried to call to verify that it would be able to be cashed at a branch, I got no response from any customer service agent at Wells Fargo. I then tried to cash it at a local branch, they said they could not and told me to contact customer service. After many attempts to get this issues resolved, after several agents continuously transferring me to department after department within Wells Fargo customer service I still have no resolution to getting my funds which Im legally entitled to. I have the letter and the check number but yet anytime I speak with Wells Fargo over the phone I am either transferred to the incorrect departments or hung up on.
Consumer complaint received 2021-08-10
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 — Investigation took more than 30 days
Company: Verisk Analytics Inc (NY)

In XXXX of XXXX I noticed that Bankruptcies ( 3 ) were being reported on my credit reports. I contacted each crediting agency and disputed these incorrect negative items that XXXX - XXXX XXXX XXXX XXXX and other credit reporting bureaus were reporting on their accounts that they held under my name & social security number. I was informed of that this information of these 3 negative items was being reported to these credit reporting bureaus by this company called LCI Consumer Center whom is owned or affiliated with Verisk Analytics / Verisk Financial/ LCI . I was told that I could contact them for my report that they held, to get a credit report freeze & to dispute all incorrect negative information they had on me under my social security number. I sent a Certified USPS Postal Service letter to dispute these incorrect negative items from US BANKRUPTCY COURTBROOKLYN of Bankruptcies ( Dated XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) that they were reporting on me to these credit bureaus on XX/XX/XXXX USPS Tracking # XXXX & a LCI Consumer Center Repersentative Signed for the letter on XX/XX/XXXX XXXX XXXX. After that I didnt not receive any response to my letter what so ever or my phone calls to there contact number ( XXXX ) where I left more messages than I could count to no response what so ever. I wrote a second letter on XX/XX/XXXX USPS Tracking # XXXX after more than 30 days had pass & even more tha 45 days had passed with NO reply to any thing ( My Calls or My Letter )!
Consumer complaint received 2020-07-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I originally opened a credit account with XXXX XXXX XXXX. During that time, I made regularly scheduled payments with automatic bill pay for this account. My payment history was exceptional, so I received a credit increase. However, the account was closed shortly after I made a full payment on the balance. The only remnants of an account is this collection placed by the company.
Consumer complaint received 2017-05-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (NC)

Recently while conducting a monitor of my credit report I discovered t hat PHOENIX FINANCIAL SERVIC #   XXXX  has furnished some items that have unverified information. I believe under the  Fair Debt Collections Practices Act, I have the right to request that you allow   me to validate the alleged debt. I am aware that there is a debt from   XXXX   XXXX   XXXX   but I am unaware of the amount due and your bill does not include a breakdown of any fees.   Additionally, I am allowed under th e HIPAA l aw [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF    1996 ], to pro tect my privacy and medical records from third parties. I do not recall giving permission to   XXXX   XXXX   XXXX   to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but it is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt,  and HIPAA  authorization.     1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.
3.Cease any credit bureau reporting until debt has been validated by me.
4.Please send this information to my a  ddress listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.   Please note that falsification of the information you received from any medical provider can be percieved a  s a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a    collection agency
Consumer complaint received 2022-07-19
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: Experian Information Solutions Inc. (NY)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-18
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc. (AZ)

I XXXX of XXXX I started a loan modification with round point mortgage. After I signed and returned the document in XXXX of XXXX my loan was sold to BSI financial Services. They in turned started their own loan modification. As of this writing ( XX/XX/XXXX ) the loan modification has not closed. they list me as XXXX XXXX  behind because they have not melded the two account, they also list me as being XXXX behind, and have reported me twice as being delinquent to the credit bureaus. Because of their reporting I am unable to qualify for any other loans. They are using this modification to suppress my ability to remove my loan from their institution. Even with Covid it should not take over a year to complete and Modification. Their slow walking the modification has cost me thousands that I could have saved with a better rate, and their reporting a thwarted my ability to get out from under their control. Or qualify for better rates on all my credit needs.
Consumer complaint received 2022-08-09
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. (GA)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to XXXX and TransUnion dated XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the account to be authenticated ( A ). I will take legal action against XXXX and TransUnion if they do not validate the account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Balance : {$7300.00}
Consumer complaint received 2023-03-30
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. (LA)

Hi, I have been trying to dispute incorrect reporting on my credit report for over two years. I have contacted XXXX via certified mail on XX/XX/XXXX and all three of the credit bureaus on XX/XX/XXXX. I reached out to XXXX to exercise my right to a reasonable investigation of my dispute, correcting any inaccurate information, or even removing the disputed debt from your credit report. I reached out to XXXX, XXXX and Transunion over three time the last time via certified mail dated XX/XX/XXXX. I enclosed in the letter a copy of my credit report and the variance in the reporting across all three credit bureaus chase XXXX is reporting to. I asked XXXX, XXXX and Transunion to verify with XXXX the accuracy of their reporting and to asked them to validate that I am indeed responsible for XXXX Account # XXXX through a signed contract and with proof of a wet signature or signed written agreement. The credit bureau failed me and did not conduct a proper investigation. XXXX responded to my dispute with a copy of statement but no a copy of an agreement of a settlement or a signed agreement with my signature of the credit card account. This information did not validate anything! I have experience damage from the inaccurate reporting since XXXX. I have been denied credit amongst the biggest denial was for a student loan. I received a response from Transunion, XXXX and XXXX stating that they account was validated. A proper investigation was not performed according to the Fair Credit Reporting Act. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( ii ) Banking agencies ( I ) In general If a financial institution is supervised by a Federal banking agency, the financial institution shall seek written approval concerning the terms and conditions of the loan rehabilitation program described in clause ( i ) from the appropriate Federal banking agency.
Consumer complaint received 2022-08-09
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)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax and XXXX dated XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the account to be authenticated ( A ). I will take legal action against Equifax and XXXX if they do not validate the account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Balance : {$7300.00}
Consumer complaint received 2024-02-09
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 (NY)

Capital One Bank charged off my account in XXXX and then sold my non-public personal information to a debt collector, XXXX XXXX XXXX, XXXX in XXXX. Capital One discharged this debt in XXXX and yet XXXX XXXX XXXX has been reporting negative items to my consumer file for the past 3+ years. This has caused a great deal of harm to my quality of life. The law states that once a debt has been discharged, the debtor is no longer liable for the debt and the lender can no longer pursue the collection of the debt. XXXX XXXX knowingly sold my non-public account information after discharging the debt. Not only is this is a violation of the Privacy Act of 1974, but Both companies colluded to commit securities fraud against my SSN and admitted to doing so.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

I have received a hard inquiry on my credit report after applying for a credit card with XXXX XXXX Bank on XX/XX/2021. I am a victim of identity theft and did not give permission for these assumed credit reporting agencies to have access to my information. Under 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' Please have this inquiry removed from my credit report.
Consumer complaint received 2021-11-29
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. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Equifax Credit bureau has failed to respond about the removal of the erroneous information about my inquiry. Sending them the last complaint dated from XX/XX/2021 to the present, I have not received any response up to this date. On the other hand, inaccuracies about my inquiry are continuously reported on my Credit Report. Therefore, Equifax failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned inquiry that is still reporting on my reports : XXXX Inquired on XX/XX/2021 XXXX
Consumer complaint received 2022-07-19
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. (NY)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-09
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. (NC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2022-07-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (NJ)

I, as a federally protected consumer, I have reached out to One Main Financial via certified mail requesting information in which I have yet to receive the actual information and documents in which I have requested. The certified mail is posted as received on XX/XX/2022 @ XXXX am.
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION (TX)

I have been trying to get my home refinanced with Regions Bank since XX/XX/XXXX and I continue to get the run around. I have provided them with all the information they asked for within 48 hours of asking but I still haven't gotten my home refinanced. hey continue to stall using all kinds of excused from COVID-19 to employees resigning but I still haven't gotten a loan. They are going into my bank statements, questioning my spending habits and asking why I am spending money on different things. I don't believe its any of their business how, when and why I spend my money and I believe that is a direct violation of my privacy. I also don't believe they do it to anyone else. I believe there is some discrimination going on here. I want to know and see if they do this to everyone that applies for a loan from them. I don't believe that they do. I have a hard money loan with a balloon payment that is way past due. Dealing with Regions bank has caused my incumbent lender XXXX XXXX XXXX to accelerate my note as of XX/XX/XXXX. They have put my house up for foreclosure and auction as of XX/XX/XXXX. Now I have Regions Bank asking for my mortgage history for the third time after I have already supplied it to them. They know my note has been accelerated and I am not allowed to make monthly payments as of XX/XX/XXXX. That means I got late payments now and they can withdraw my application. They are trying to force me to sign a document that would give XXXX  my loan information. Then XXXX  will publish that information with the credit bureaus and this will ruin my credit. I asked them several times will this get reported to the credit bureau 's and what is the ramifications of signing that document and they won't tell me. I gave them two different payoff docs from XXXX XXXX showing what my payoff is and they won't accept it. I have a loan with a hard money lender because I don't want that information on my credit report. I should not be forced to supply it to a third party vendor like XXXX. That is wrong and I believe it violates my rights. I wouldn't have any lates if they would have processed my loan in the 90 days that is customary. They are just looking for a reason to cancel the loan application. It is not my fault and all theirs and I want something done about it. I believe they have really crossed the line with discrimination when it comes to this application and the use of the Dodd Frank Act and I want something done about it. I would like for you to look into my issues and make them prove that they treat every borrower the way they have treated me. I find it hard to believe that they give everyone this complete run around and everyone has to wait 7 months or more to get their refinance loan processed. Especially, when Regions Bank already has a active HELOC in place on the home with me. By the way, I have never used the HELOC. Regards, XXXX XXXX
Consumer complaint received 2022-07-19
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. (NC)

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the XXXX and TransUnion Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/2022 ; 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 XXXXXXXX XXXX