davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX at around XXXX I received a text message claiming to be Bank of America asking if I tried using my debit card at XXXX for {$10.00}, GTL for {$25.00} or XXXX for {$1500.00}. I said NO and I received a called from some one claiming to be XXXX from BofA. He sounded like a rep, although questionable, however, he caught me at the worst time. I was rushing between doctors appointments and his urgency was that I needed to change my password immediately. So I pulled over to do so. When I logged into my account, he had me go to XXXX and asked me to send funds to myself as that was the only way to get my money back. I hadn't used XXXX in a very long time, so I couldn't remember what the deal with it was, but ultimately he had me enter in a phone number XXXX and put in my First name but not my last, instead use my initials AH multiple times and asked that I transfer money quickly to stop money from transferring out. Again, panicked and confused I listened. I really believed he was from the fraud department at Bank of America. Thus " XXXX '' convinced me to send three amounts. {$1500.00}, {$990.00} and finally {$1000.00}. When my XXXX maxed out with the amount of money I could transfer, the person said that he would call me the following day at the same time. Immediately after I hung up I realized that this person had scammed me. I called BofA right away, after hours of trying to get a hold of some one in the XXXX fraud dept. Finally after getting a hold of some one, I was able to file a claim. That person was very empathetic and explained that this type of scam happened very often and assured me that BofA would investigate and work towards retrieving my money. I was told it could take from 10-45 days to investigate. So after two weeks I called and was twice, first my case was still pending and then the second time a few days later, today on XX/XX/2022 I was told that my case was closed and that BofA had determined that the number associated with this account was indeed a CHASE account but that they were not going to refund the money. Of course I was upset and asked for a better reason. The rep was unable to clarify. Said it was what it was and asked why I didn't file a police report. After telling her I wasn't dumb and that I never had had to do that before for any credit card fraud, etc, she simply tells me she's sorry. At one point she lied to me about escalating my complaint but then later in the conversation said she could not. Eventually I'm transferred to a supervisor who reiterates the same information and tells me to file a police report. I asked how this would work since I don't know what city the person lives in and how the police would respond knowing that they wouldn't. In the end she gave me an email to her supervisor. I want my money back. It was stolen and it's unacceptable that the banks and XXXX are playing this game with their costumers.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Texas Office of Attorney General Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX  XX/XX/2012, Account # XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights, 15 USC 1681 section 602 A states I have the right to privacy and it also states a Consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-03-30
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: AMA Advisors, LLC. (HI)

- XXXX XXXX XXXX XXXX XXXX XXXX is I guess released - XXXX XXXXXXXX we purchased our home financed with Homebridge Mortgage Company ( HB ), we were required to get flood insurance which we did with XXXX XXXX XXXX XXXX  ). 
- XXXX XXXX HB sent XXXX-home insurance branch a notice stating that the loan had been refinance. 
- XXXX XXXX we refinanced our loan with Homebridge, the loan stayed with HB. 
- XX/XX/XXXX HB sent a letter to XXXX-flood branch that the loan had been paid in full and to remove them from the account. It had not! We continued our mortgage with HB until they sold it to XXXX in XXXX of XXXX. 
- XX/XX/XXXX we get a bill from XXXX, we call XXXX to confirm if payment is required, they stated no, HB has payed it you don't need to worry about the bills your escrow account covers it. 
- XXXX XXXX annual flood insurance premium was payed by HB to XXXX. Insurance is now good from XXXX - XX/XX/XXXX we get a letter from HB stating our mortgage has been sold to XXXX. But that all insurance companies will be notified. 
- We make a XX/XX/XXXX payment to HB. In the escrow disclosure it shows they had the annual amount ready, it was never transferred. 
- XX/XX/XXXX we get a call from XXXX stating as such. The last day of the window. Even though all the correspondence we have from them states " Premium Payment Penalty- To avoid a lapse in coverage, payment must be received within 30 days of the expiration date of the policy. If payment received more than 29, but less that 90 days after the expiration, the policy will be reinstated with a 30 day waiting period. The new effective date of the policy will be 30 days from the receipt of payment. If the Alternate Coverage is selected a 30 day waiting period may be required. '' - XX/XX/XXXX XXXX XXXX goes into effect. 

- XXXX is saying it is HBs fault for not updating the paperwork correctly for the Flood policy. And HB is saying it was never sent a bill for the insurance even though they should have paid it with the XXXX XXXX release of funds. XXXX  won't follow their own policy blaming XXXX because now we MUST have a new policy ( which contradicts the legal disclosures on paper correspondence ) and our new mandatory flood policy with XXXX is not {XXXX} per year, but an additional {XXXX} per MONTH. We are not being given any other options, neither HB or XXXX  are disclosing communications they have had with each other to us the person paying the bills. 

No one disclosed this to us. XXXX lawyers and communications department did no outreach to effected consumers. HB filled bad paperwork and now my family is being punished for not knowing the rules of the game. How is this legal and fair practices? The XXXX XXXX states that increases are to be done gradually. This is not gradual. We understand that this is coming but we can not afford this insane of an increase right away. Please help us. We need time. The only policy documents that explain our flood policy in detail are dated XXXX which does not reflect the XXXX adoption of XXXX XXXX XXXX.
Consumer complaint received 2022-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

i sent dispute on XXXX XXXXi have not got the results. my report have a lot of inaccurate. can someone please look at it
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I recievied a letter from Bank of America saying that I had suspicious activity on a credit card ending in XXXX, that I do not have or never opened an a account..
Consumer complaint received 2022-07-02
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. (TN)

Received copy of credit report due to XXXX. Account with XXXX credit limit {$1500.00} is an open account that I did not authorize. I am a victim of identity theft this account by XXXX XXXX, Account # XXXX is a result of fraud. I have notified XXXX XXXX  and they have failed to properly investigate and resolve the issue. I believe XXXX is opening accounts in people 's names illegally.
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX balance {$1000.00}, XXXX XXXX XXXX Account # XXXX balance {$950.00}, XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX balance {$1700.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (HI)

I do not owe this company any money, Nationwide Credit Inc. 
they are harassing me, calling me, being threatening to me if I don't pay them, I want this company to stop all communication with me and stop harassing me for money I don't owe them, I have no contract with this company, and had no services or bought any products from them.
Consumer complaint received 2021-08-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (OK)

A new item appeared on my credit report, so I called the debt collector on XXXX XXXXXXXX XXXX at approximately XXXX : XXXX eastern standard time listed number on the credit report. They had no information to give me concerning the debt, they could not verify the date of service or that I in fact actually received any services or products that would oblige me to any debt.
Consumer complaint received 2021-11-07
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. (TX)

I notified Equifax that there was an account located on my profile that did not have any information on it. Nothing about the alleged creditor/collection company. When I asked Equifax to validate the account, Equifax responded with the account was verified. How is a number verified? There is no information on this account. I have a right to know who my accuser is. Equifax is not behaving in good faith nor are they assisting me with having a fair and accurate consumer profile.
Consumer complaint received 2022-06-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio calls every day from different numbers. They refuse to provide accurate information regarding the debt and insist I make payments. They refused a settlement amount which has resulted in me having to seek medical care for the harassment. This company harasses consumers and makes it impossible to come to a resolution.
Consumer complaint received 2021-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

PLEASE BE ADVISED, I'VE BEEN A VICTIM OF IDENETY THEFT. XXXX SENT IN MULTIPLE REQUEST TO EQUIFAX WITH 605B, REQUESTING FRAUDULENT INFORMATION BE BLOCKED FROM MY REPORT. SOME USED MY INFORMATION TO GET MEDICAL CARE. EQUIFAX REFUSES TO BLOCK THIS INFORMATION FROM MY REPORT. EQUIFAX SAYS THEY WILL INVESTIGATE MY CLAIM. WELL I HAVE A PROBLEM WITH THIS. BECAUSE THIS HAS TAKEN OVER 30 DAYS. EQUIFAX HAS MULTIPLE ACCOUNTS REPORTING DOUBLE ON MY REPORT. I'VE ALSO ASKED TO SEE A SIGNED CONTRACT, BECAUSE IVE NEVER DONE BUSINESS WITH ANY OF THE COMPANIES EQUIFAX IS REPOERTING ON MY CREDIT FILE. THIS FRAUDULENT AND INACCURTE INFORMATION IS HINDERING ME FROM GETTING CREDIT. EQUIFAX KEEPS IGNORING MY REQUEST, I WILL JUST HAVE TO CONTACT MY ATTORNEY. BECAUSE THIS IS A VOLATION OF THE FCRA. I SEND WILL ALSO A COMPLAINT TO THE FTC, AND XXXX. 
AGAIN THE FOLLOWING ACCOUNTS ARE FRAUDULENT AND MUST BE BLOCKED.. 

XXXX XXXX SERVICES {$380.00} ACCT # XXXX ( .XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) {$1900.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} ACCT # XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) {$1900.00} ACCT # XXXX XXXX. XXXX {$1300.00} ( XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$42.00} ( XXXX XXXX ) XXXX XXXX {$42.00} ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (FL)

I enjoy Lexington Law in XX/XX/2022 and charged for services on the XXXX of XXXX, XXXX then charged for the services for XXXX XXXX. but on the XXXX of XXXX i decided to cancelled since I was not seen any results... even more a debt collector is trying to sue me after supposedly the debt was removed by XXXXexington law, on XXXX. when i cancelled, lexington charged anyways a fee of XXXX thats almost the amount of the membership.
Consumer complaint received 2022-07-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MS)

some XXXX open several saving accounts in my name.they had my full name, address, phone number, and social security number.call company, XXXX, had them to close all XXXX accounts. we ask them to send to us paper work concerning this matter. i have not receive any papers yet.
Consumer complaint received 2021-11-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I have several grievances against Wells Fargo. One is Wells Fargo closed my account without any prior warning or notification. I learned the other day my account had been closed. Wells Fargos website mentions that Wells Fargo will warn customers prior to account closures. Wells Fargo said the account was over drawn {$8.00} but when I paid that over the phone Wells Fargo still would not re open the account. I believe Wells Fargo acted in bad faith because they gave no prior warning or notification at all. If the account was minus and at risk of being closed I should have got a courtesy notification at least. I also believe this may have been in retaliation for complaining about a negative experience I had at a Wells Fargo on XXXX XXXX in XXXX. I should add I believe I was subject to XXXX XXXX and reverse XXXX at the XXXX XXXX branch. It was like an all XXXX bank white no other XXXX customers. They even let someone cut in line in front of us and the customer service representative at the window was rude, the manager was also rude and they gave dirty looks and acted like they didnt want to serve me at all. It was more than about ID. I was the only XXXX customer at the branch trying to be served. They said they wouldnt let me access my account because my ID was expired supposedly but I was the only XXXX customer and the bank employees were cordial and polite to everyone else even if the customer had hardship. Wells Fargo closed my account and bad faith because I was never given prior warning or opportunity to address the negative balance. Im told now Wells Fargo wont reopen the account over the phone ( Wells Fargo does open accounts over the phone according to their website but Im being treated to a different standard again I suspect XXXX ( possibly XXXX XXXX because Im a senior citizen ) and retaliation over the prior negative experience at Wells Fargo ). I was a Wells Fargo customer for many years yet treated this way regardless. I believe I was poorly treated at the XXXX XXXX Wells Fargo in XXXX due to XXXX, XXXX and XXXX. I was not even treated like a customer at all. If you are XXXX and a senior citizen I cant recommend the XXXX XXXX in XXXX or central California due to reverse discrimination or double standard based on my experience.
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-07-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (NC)

On XX/XX/XXXX, I XXXX XXXX XXXX XXXX XXXX and my vehicle was totaled. The vehicles loan is with Bridgecrest. This was a brand new vehicle, I had not had it even a month. I also had Gap coverage through XXXX. The insurance company totaled the vehicle, and sent payment. the payment was sent on XX/XX/XXXX and was posted by Bridgecrest on XX/XX/XXXXXXXX XXXX has sent the gap payment. It was received by Bridgecrest on XX/XX/XXXX and has been senting on the system - pending. They will not credit the account. I believe this is an effort to force more interest to be paid. It has been a week. I have contacted service and advised that it would be XXXX more hours for the payment to post - no explaination as to why. Bridgecrest needs to post the payment instread of seeking additional funds.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

CREDIT REPORTING AGENCIES VIOLATED " FCRA '' SECTION 607 AND 609 REPORTING INCORRECT DATA OF ACCOUNT STATUS ... .PUBLIC RECORDS NEVER HAD ANY BANKRUPTCY AND ALL OTHER ACCOUNTS " PAID IN FULL '' / NEVER LATE ... .ACCOUNTS HAS {$0.00} BALANCE : " XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX '' ... ... NOTE : XX/XX/XXXX FILE # XXXX
Consumer complaint received 2022-07-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCF Intermediate Holdings LLC (TN)

The company went out of business ( Easy Money ) they never tried to collect. But they put damaging items on my credit report. All Im asking is that whomever put it on there for the last XXXX please take it off!!!!
Consumer complaint received 2021-11-06
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (NY)

I asked Chase Prime Visa to dispute a charge of {$350.00} for a defective product. Posted on or about XX/XX/2021. I called 3x and asked them to send me a form in the mail so I would be able to dispute these charges. They refused to do so. They called me on XX/XX/2021 at approximately XXXX and Chase Prime Visa said they would not dispute this charge. They did not give any reason for not disputing this charge.
Consumer complaint received 2022-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

In XXXX and XX/XX/XXXX I advised Nelnet that several of the loans are showing as open and should show closed/paid. On XX/XX/XXXX XXXX and her supervisor, XXXX, advised that they correct ALL of my accounts to show paid/closed as of XX/XX/XXXX. I waited 45 days and have checked my credit reports and all of my credit reports show two accounts as open and that is incorrect.
Consumer complaint received 2022-03-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Giggle Finance Inc. (NV)

Today, I was told I was approved for a loan and I signed the contract. However, after I signed the contract I never received another email and the funds were never deposited into my account. 

I contacted the company and they provided the following response : Although you were initially approved by our automated review, our underwriting team takes many factors into consideration other than cash flow prior to final approval for funding. Unfortunately, you didnt meet our funding criteria to proceed. Thank you for considering us for your financing & good luck with your gig ventures! 

Best, Giggle Finance
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 — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I believe that someone is using my personal information to open up credit accounts with my knowledge. I noticed an open account with XXXX in XX/XX/XXXX XXXX that I didn't authorize. The number for the company is not in service. It says that XXXX XXXX is a loan company for immigrates and I am a US citizen. 

I also noticed unauthorized inquiries in my report from 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 XX/XX/XXXX ) and XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX ) There is an account with XXXXXXXX XXXX XXXX XXXXXXXX that has been reported as charged off in the amount of {$2400.00} that is not my account. Date opened XX/XX/XXXX There is a collections account for XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$840.00} and also XXXX XXXX XXXX in the amount of {$1400.00} opened XX/XX/XXXX Please remove these items from my account. 

Thank you