davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

So I sent a letter to the credit bureau to remove personal information that I dont want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.these are clear violations of my federally protected consumer rights.
Consumer complaint received 2020-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020, a check for the amount of {$8600.00} was withdrawn from my account with a stolen check and a fraudulent name that was added to the check without my prior permission or knowledge. 
I contacted Bank of America and the police and so far BOA has done nothing to remedy the problem. They have closed of my account by placing a pending debt hold of {$880000.00} without notifying me, they have also not done anything to get my money back. I have been calling for over a month and every time they would tell me a different resolve date and tell me someone would get back to me within 24-72hours and to no avail! 
I need this fund back in my account for a very urgent transaction and as its such a large sum and I can not just withdrawal it from somewhere else. 
Bank of America has completely ignored my issues and kept postponing the date and the process. Initially they told me it would take two weeks, then it became 30-60days,  upon my last conversation with them, it has gone up to 120day or more!
Consumer complaint received 2020-08-28
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)

XXXX XXXX XXXX  is not my account this was proven to be a part of the XXXX  data breach it was deleted by XXXX  from my XXXX  credit report
Consumer complaint received 2024-02-14
Product: Credit reporting 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. (IL)

There are too many inquires on my consumer report that is there without my permission. XXXX has XXXX inquiries, Equifax has XXXX and XXXX has XXXX. I have asked constantly that they take these off because they are there without my permission and they refuse to do so consistently. Please have them do so immediately because I have sent them letters with written instruction on what needs to be deleted from my consumer report for months of XXXX and XXXX and they are not complying. They Violate my rights often as they can. please help.
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: EQUIFAX, INC. (NY)

It has been far too long that I have been dealing with the inaccuracies and errors that the agencies continue to report. While I have worked hard over the past many months there has been no reprieve from the endless fraud that the agencies have continued to report. I am now leveraging my rights under the FCRA and FDCPA to correct this once and for all, since the agencies continue to want to violate laws and report inaccurate information
Consumer complaint received 2021-11-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX I received a credit report alert that a dormant account was utilized. In reviewing the account, I recognized the amount charged. The amount was disputed in the prior year ( XX/XX/XXXX ) and the dispute was found in my favor and charges reversed. The merchant recharged the disputed amount on XX/XX/XXXX. I reported this to Brand Source Card and was transferred to various departments. It doe snot seem Brandsource has the appropriate controls ( as I did not receive an alert from them ) to detect that this was XXXX ) conducted on a dormant account and 2 ) the amount was disputed in the prior year. The third party ( XXXX XXXX ) is attempting to collect money that was already resolved under the Regulation Z process from XXXX to XX/XX/XXXX. I attempted to discuss with Brandsource, but kept getting transferred- the fraud department stated disputes handles the claim and the dispute department sends me back to fraud. This is clearly merchant fraud, trying to bypass Regulation Z error resolution requirements by re-charging the disputed amount, resolved in XXXX. I have attached reference to the dispute in XXXX along with my original complaint.
Consumer complaint received 2021-11-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (NC)

BBVA has not provided me with a closing statement with my available funding for the month of XXXX, and XXXX and they're claiming that I had {$15.00} in my account when in fact, my available balance should have been around {$3000.00}. There are multiple laws that they broke during this process and I'm suspecting fraudulent activity within BBVA bank 's system since they're not providing me with clear story of what happened, nor has given me closing statement balance.
Consumer complaint received 2021-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (PA)

Over the last few months I have disputed this account with your company ACIMA CREDIT XXXX XXXX with XXXX. Each time XXXX come back and tell me this debt has been verified. XXXX claims that your are verifying the debt in which I know this isn't true. If it is is true you are negligently and willfully violated the Fair Credit Reporting Act. 
ACIMA CREDIT XXXX XXXX is negligently and willfully failed to ( 1 ) conduct a proper investigation of my dispute, ( 2 ) review the information provided by the credit reporting agencies, and ( 3 ) direct the credit reporting agencies to report accurate reporting. I am asking this company to provide me a complete history of this account in its entirely if and you can not supply that and report accurate information to XXXX that they need to remove this from my credit report. Negligence will be brought into a lawsuit against this company for violations of the Federal Credit Reporting Act. Please also, give me information on when the last time XXXX sent over to you to do an investigation of the account that I am questioning as well as they may be liable for not investigationing my claims per XXXX Credit Reporting Act.
Consumer complaint received 2020-07-04
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: ALLY FINANCIAL INC. (NV)

XX/XX/2020 ally bank uses a fake consumer reporting agency called XXXX XXXX.  They have my credit score as XXXX. I have XXXX with XXXX  h XXXX  XXXX with XXXX  and XXXX with XXXX  this resulted in a much higher than should have been interest rate. Didn't even know this fake credit reporting was legal.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I sent my letter off. I told the credit bureaus to " Names, Addresses, and Phone Number '' on my credit report. I have listed below. Also I have attached the letter I sent out.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.
Consumer complaint received 2021-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AK)

My mother passed on XX/XX/XXXX this year. She originally had her mortgage with XXXX XXXX XXXX. I had issues getting confirmed as successor in interest, and opened a CFPB complaint # XXXX. In XXXX 's response to the complaint I was XXXX  records indicate that on or around XX/XX/XXXX, Mr. XXXX was added as the Successor in Interest to the Loan originated by his mother, XXXX XXXX ( Ms. XXXX ). After this pocess, I started to work on assuming the loan and bring it current with XXXX XXXX during XX/XX/XXXX, I found out they had sold the loan to Carrington Mortgage Services LLC in XXXX. I received a welcome packet on XX/XX/XXXX requesting documents to prove I'm the successor in interest. Carrington is claiming they did not receive any paperwork from XXXX XXXX XXXX showing I was approved as the successor in interest. I don't believe it is on me to AGAIN prove I'm the Successor in interest on this account. After many calls to Carrington, they still won't provide the opportunity to assume my mother 's loan or bring it current with a payment.
Consumer complaint received 2021-11-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (WA)

I make advance payments on my auto loan every two months. Every month, I get a collection call from Chase Auto Loans saying that I haven't made my payment. I say that I paid for two months, and they say that the second payment was applied towards the principal, and I am still late. After complaining, they tell me that they will fix it. Then they call a week later and tell me my payment is late. They then threaten my credit and try to levy a late fee even though I am actually a month ahead in payments. I have been given multiple excuses for the reasons for this, and been repeatedly assured that it wont happen again. Then the cycle starts again. 
When I finally got tired of it, and wasn't given access to a manager, I requested information about filing a complaint with the Federal Reserve. They refused to give it to me.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

The law states all items must be reported accurately and truthful 15. u.s. code 1681c-1 identity theft blocking information and 1681 s 2b 15u.s code 1692j s 2b cra must block the information within four days and notify thee furnished of the report of the fraudulent data block all current and future reporting. 


1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, you should respect my consumer and privacy rights and immediately remove the damaging trade line from my credit reports. 
I demand that you show me a copy of the items listed in this letter and stated below if you can not produce these items, you must delete them. 

2. 1. Validation of the debt-that is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
XXXX. Please provide the original docurse and wet signature if you can't provide these items Delete them.
Consumer complaint received 2021-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC (PA)

XXXX account # : XXXX. Looking over my credit report, I saw your company reporting the collection account referenced herein. Following the Fair Debt Collection Practices Act ( FDCPA ), I am notifying you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information. Original contract agreement, clause in the original signed contract that authorizes the third party like yourself to collect on this debt, statements from the original creditor and itemization of monies owed, copy of bill showing last default date, proof that the debt is valid and collectible and within the statute of limitations for this state, proof that you are licensed to collect in my state of residence and a agreement between your company and the original creditor that authorizes you to collect on this debt. I am allowing you 30 days to give me this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.Your failure to act will result in this matter heading to small claims court for violations of the FDCPA.
Consumer complaint received 2023-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (MO)

Applied for XXXX credit cards with XXXX XXXX  received a denial based on information in a consumer report which violates Federal Equal Opportunity Act ( Regulation B ) and XXXX XXXX- XXXX XXXX. Principal received no benefit of the collateral security ( Application ) by withholding such principal securities, which is Breach of Contract by company not upholding their fiduciary duty and obligation to the Principal and contract.
Consumer complaint received 2020-08-25
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: Amsher Collection Services, Inc. (WI)

I have a loan with AMSHER COLLECTION SERV, XXXX XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, AMSHER COLLECTION SERV, XXXX XXXX XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2022-08-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am highly upset the credit bureaus have not responded back to me about my investigation. 
This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$8800.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I have sent letters to Credit Acceptance Corporation located at XXXX XXXX XXXX, XXXX, MI XXXX almost every two months, starting in XXXX of 2020. There are numerous inaccuracies on all three credit bureaus being reported as far as the late payments and past due dates. There has been no changes in the way its being reported and is affecting my credit very badly.
Consumer complaint received 2024-02-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (KS)

On XX/XX/XXXX, I modified ( refinanced ) my loan with Ally Financial. I was informed by Ally due to me modifying my loan that I would need to call and cancel the GAP insurance because it would not extend to the new loan. Once the old loan was terminated the GAP should have been returned to me in full for {$790.00} which was fully applied to my Ally account on XX/XX/XXXX. I called XX/XX/XXXX and asked for the refund, however I was told by Ally that due to a payment being currently owed of {$590.00} they wouldnt issue a refund for that amount, but that they would reverse the additional fees of XXXX. I was given case number XXXX, I was told to follow up in 1-2 business days. I called back XX/XX/XXXX and spoke with supervisor XXXX whom informed she didnt see any updates but would create a follow up on the case. She gave me follow up case number XXXX and told to call back 1-2 business days. I called back XX/XX/XXXX and spoke with supervisor XXXX whom said she would email the credit dept directly to get an update, she again said to call back in 1-2 business days. I called back XX/XX/XXXX and spoke with another XXXX whom said that they will not refund the money due to the loan not being paid off. I tried to explain that the loan was modified/refinanced so the previous loan was closed and the GAP dosent belong to them period. She refused to assist me any further. I want my full refund of {$790.00} at this point because Ally is NOT entitled to my funds by any clause in the modification/refinance.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I have multiple accounts on my credit report that don't belong to me. I discovered them XX/XX/2020 and filed disputes with all three credit bureaus in XX/XX/2020 as well as filed an identity theft report.
Consumer complaint received 2020-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have sent 4 letters by the US postal service and the last two letters were sent certified and signed on XX/XX/XXXX and XX/XX/XXXX. I have requested for debt validation that the debt is indeed actually mine, the only response I have received is that have completed their investigation which established its validly. Nothing has been sent for my review or to investigate. This is an invalid debt that Portfolio Recovery Associates, LLC claims that I owe. I have never had a account with this company or who there so called client.
Consumer complaint received 2015-04-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Completed Trial Mortgage Modification with Bank of America. Informed by Customer Representative additional money would remain in Partial Balance until full payment was transferable as payment. Received call on XXXX XXXX, 2015 from new Customer Representative asking about XXXX payment. Informed her that I would like money transferred from Partial Payment used as XXXX Payment. Customer Representative and I spoke to a couple of people, before we were informed that the money had been applied to Principal. I questioned why this was done after adjustments had been made after Trial period and requested to have money moved back. Heard circular reasons and Customer Representative being on the account as to why it could not be done. Customer Representative said she would speak with her supervisor. Requested she explain my concern, when she was not able to adequately explain my concerns, I requested her Supervisor 's name and number. Left message for Supervisor that was never returned. Customer Representative called on XXXX XXXX for scheduled follow-up. She apologized for prior Customer Representative giving me inaccurate information, but money applied to Principal was not able to be transferred back until XXXX payment was made and she was removed from account.
Consumer complaint received 2021-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Case was originally opened under CFPB Case : XXXX and Capital One Case : XXXX. I received an letter which was also uploaded into this cfpb system stating that my accounts were eligible for SCRA benefits and we enrolled. I called to pay off the remainder of the debts to be determined following a recalculation of the new amount due only to find that Capital One only applied SCRA benefits on the account ending in XXXX. The account ending in XXXX was not recalculated and the file was documented as " no adjustments to be made to account. '' I am a Ohio resident and SCRA applies to all debt prior and during military service. The interest rate for this account should have been capped at 6 %.
Consumer complaint received 2024-02-14
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: EQUIFAX, INC. (MI)

I XXXX XXXX a consumer is having problem with the major credit bureaus deleted inaccurate and incorrect information on my credit report ( XXXX credit cards that don't belong to me due to identity theft. So, I'm requesting that account number XXXX XXXX be deleted from my credit report. 
Additionally, under FCRA rights as a consumer and due to having this requested this be done on more than XXXX occasion.