davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I've disputed this XXXX XXXX XXXX, and XXXX/XXXX   account on my credit report several times. I even provided documentation and spoke to several representatives over the phone at XXXX  and experian. They refuse to investigate and fix the problem. They will not tell me how they investigated, who they spoke to, and how it was " verified ''. Pursuant to FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than15 days after receiving a requestfrom the consumer for that description. in which both companies have failed to do. All they keep saying is " the furnisher said that it was accurate '' but, I submitted court documents along with my disputes which they refused to look at because some reason the complaint I previously filed is " 122 pages long ''. I even sent the documents separately through XXXX and Experian upload system on their websites. They refuse to remove this charge off. I also notified each bureau XXXX  and Experian that the file was charged off in XXXX so therefore it should not be reporting a charge of every month for the past 5 months since XXXX. My email notifies me every month that I have a " new missed payment ''. I've even pointed that inaccuracy out to their supervisors ( XXXX  and Experian ) and they refuse to remove the account. They  just keep putting the account back into dispute and telling me that its " verified ''. They are violating my rights and I am demanding something be done about this. They are not conducting " reasonable investigations '' or speaking to anyone and I dont feel that e-oscar is a sufficient way. I have also included a few other accounts that are being tampered with on their end which shows " 29 charge offs '' for XXXX  account on my experian report that is a charge off every month for 2 1/2 years. That was a duplicate account that popped up on XX/XX/XXXX out of nowhere so I spoke with a rep about the duplicate account. My score is completely damaged and can not heal from these mistakes. This is very inaccurate reporting from both XXXX  and Experian. They are not investigating these disputes they are tampering with my credit file and I demand it be reasonably investigated or removed. That is a violation of my rights under section 616 and 617 of the fair credit reporting act. XXXX  told me that, " they do not provide any documentation on how they investigate and that they only report what the creditor tells them to ''. That is also a violation under 616 and 617 of negligent noncompliance and willful noncompliance even though I provided them with court documents for my XXXX XXXX XXXX account.
Consumer complaint received 2024-10-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have XXXX XXXX dollars in total for XXXX XXXX tickets, which were a scammed. 

I have told BofA, which they were reluctant to updating me nor even sending and email whether they have ended or denying my claim ( which they have ).

So I called them today, after not calling them around 1 week to get an update. Just for them to say that they closed the claim, denied it and they can not help me.

They claim that they can't help me anymore because their job was just to send another claim to the scammer 's bank. And since the other bank noticed that the money isn't there anymore ( which ALL SCAMMERS SO THAT, what scammer would just leave their money in
their fake bank account?? ). BofA said that they can't help me at all.

Which was a revelation to me, as what bank ONLY does that to help with customers? They did the bare minimum.

I asked if there's anything I can do, they said I can't do anything.

I asked if I can refile or take this to the higher ups?, they said they aren't going to do that for me.

I asked if I can contact the other bank, if they can help me. They said that the other bank would probably refer me back to BofA. And just for BofA to not do anything about it. I understand that since it's a XXXX fraud they can't help me fully, but even if I contact XXXX myself to help me. XXXX will only refer me back to BofA. So apparently no one can help me at all. After my phone call with them, it genuinely felt like they said for me to take it on the chin because they can't do anything.

I am a XXXX XXXX. I have no idea on what to do and I am scared because BofA has been horrible at helping. BofA has been horrible in terms of helping me and taking it seriously, they can't even to the bare minimum. THEY DIDN'T TELL ME THAT THEY CLOSED MY CLAIM. They have been the worst at updating me and helping me. They have left me in the dark without information. Why did it take me 3 weeks of waiting for BofA to do absolutely nothing to help me?
Consumer complaint received 2022-06-24
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. (CA)

I have notified Experian of a fraudulent XXXX XXXX credit card account that has appeared on my credit report. I was told to upload a full Copy of a police report, Copy of my ID, SSN and Experian will delete said fraudulent account.

But shortly after uploading documents Experian refused to delete said account. They sent me an email indicating the following " The provided police report does not contain required information, such as matching consumer name, case number, location of where the police report was filed or date the police report was filed. '' This is not true. The police report i submitted has all of the suggested deficiencies. Experian is breaching The Fair Credit Reporting Act by not removing an inaccuracy 's from my report. I have attached the police report and a copy of Experains response as proof of their negligence.
Consumer complaint received 2022-06-24
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. (TX)

My rights have been violated on each and every one of these accounts! 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX and 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. My legal rights have been violated. 
FCRA RIGHTS HAVE BEEN VIOLATED UNLESS REMOVED I WILL BE SEEKING DAMAGES FOR THESE WILLFUL VIOLATIONS Paid Account / Late Payments Account Name : XXXX Account Number : XXXX Please investigate every piece of information is correct. If the late payments arent reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed Account Name : XXXXXXXX XXXX Account Number : XXXX Please investigate every piece of information is correct. If not please remove it from my credit report. 


Account Name XXXX XXXX XXXX  Account Number XXXX Please investigate every piece of information is correct. If not please remove it from my credit report.
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I banked with Bank of America years no problems at all years I lost my card didnt know till like one two days later when I try to login and cant login call they say there closing my account cause I tried to deposit checks the guy said I told him I lost my card that wasnt me its fraud I said where were these checked supposedly deposited he said he couldnt tell me Ill get a letter in the mail go a letter they closed the account received one letter saying account closed I thought they just closed it no they put me in the XXXXXXXX XXXX I would never write bad checks in my account never I have a business I cant even get proper business structure now cause of this
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Hello, I called the following Capital One customer support number on XXXX XXXX, XXXX  only to be forced into some bullsh*t medical alert promotion. 

Contact by Phone Customer Service : XXXX ( XXXX ) ( For servicing of existing accounts only ) There was no obvious way to contact support to ask my simple question. I am not sure if the woman who went on and on about this XXXX promotion was a recording or not, but it was NOT the reason for my calling Capital One. 

I used a different phone number for Online banking support : XXXX to actually reach a human. 

Capital One 's practice is outrageous. 

Thanks
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

My complaint is regarding negligence and incompetence of protecting me as a client. There has been inconsistent and incorrect information provided to me regarding funds in my account and requests for clarification on an existing claim was denied and ignored.Opened up claim # XXXX and claim Claim # XXXX with Wells Fargo. After several attempts to talk to higher ups and different departments I keep getting different answers or saying to wait 72 more hours. I was told I would be receiving provisional credit within 72 hours of these request and that my account was protected which is was not. I feel like I have been lied to multiple times and feel as if I'm the one who made the mistake whenever I talk to a representative. This has been one of the worst experiences I have had with a bank to call them multiple times a day and be on hold for hours at a time to get a generic answer. I did not make any of these charges and need Wells Fargo to correct this.
Consumer complaint received 2022-08-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2021 I was scammed via a fraudulent job posting on and was asked to wire {$1900.00} in funds using XXXX XXXX to a number. XXXX XXXX uses XXXX  as their bank. The funds and number was used The XXXX XXXX account was linked to my debit card at Wells Fargo. I also contacted XXXX and they were not willing to do anything. 

Initially I reported the incident to my local Police Department to file a police report. I had contacted both Wells Fargo and XXXX XXXX about the incident and they had mentioned there is nothing they can do because it was a Peer to Peer transaction. I also contacted my U.S. representative and there is nothing they could do. 

After the additional CFPB guidance was released in XX/XX/2021 about XXXX platform transactions and after finding out about it today, I reached back out to Wells Fargo and XXXX. Both institutions are pointing to each other saying neither are liable. XXXXXXXX XXXX said since its linked to my Wells Fargo debit card they are not liable. Wells Fargo said that XXXX XXXX is liable since the transaction came from XXXX As a consumer, I am stunned by this lack of inaction. I went and applied for a posting on XXXX to provide for my family, with XXXX little girls, after just being laid off..
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear TransUnion, XXXX, XXXX, XXXX, XXXX XXXX  This letter serves as a final demand regarding your failure to remove inaccurate records from your screening reports. Despite previous assurances that these records would be deleted, they continue to appear when companies conduct screenings. This constitutes willful misrepresentation and a violation of federal law, including the Fair Credit Reporting Act ( FCRA ). 

Your failure to resolve this matter has already prompted me to escalate my complaint beyond the Consumer Financial Protection Bureau ( CFPB ) to organizations such as the Federal Trade Commission ( FTC ) and legal authorities specializing in consumer protection violations. I am also preparing to involve legal counsel to hold you fully accountable for the ongoing harm caused by your inaction. 

I demand the following actions immediately : XXXX. Full removal of all inaccurate or negative records associated with my file. Cases to Be Expunged ( Case Numbers ) : XXXX XXXX XXXX XXXX ALL OF THESE ARE DISMISSED I DONT OWE ANY COMPANY REMOVE IMMEDIATELY. 
XXXX. Written confirmation that these records have been permanently deleted. 
XXXX. An official acknowledgment that I am opted out of any and all negative reporting. 

Should you fail to comply with this demand, I will proceed with further action, including litigation and reporting to additional federal authorities. This is your final opportunity to resolve this issue without significant legal consequences. 

I expect immediate confirmation of these corrections. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-12-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Full Circle Financial Services, LLC (NC)

On XX/XX/XXXX I called Full circle at XXXX and spoke to a representative named XXXX. I explained that I was going through a restructure to pay all my lenders after I had gone through a bout with XXXX and I needed to stop all auto drafts. He was argumentative and then I told him I was REVOKING AUTHORIZATION for all future drafts. Then I made other calls to my other lenders and did the same thing. On the XXXX of XXXX I received notification that a payment of {$200.00} was withdrawn from my account more than a week after I had revoked authorization. They did not have permission please pull the call immediately to verify this all happened. This caused me to go negative and I was unable to meet other financial obligations.
Consumer complaint received 2024-11-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (PA)

I have been a customer of WellsFargo. Bank allows to open a CD on-line on their website but does not allow to close it. We must go to a branch to close it. Many Banks in the US and overseas allow to open and close CDs on-line. 

During Covid time, Bank allowed to close CDs on-line. Now it looks like Bank took it out from customers. 

I had a CD matured on XX/XX/XXXX and I could not go to a branch to close it as I was busy with my job. Since I could not get time to go to a branch, the CD got rolled over with 1.2 % from 4.1 %. I went there on XX/XX/XXXX to close it. They helped me to close it but charged me {$25.00}. This is weird. 
Wells Fargo allows to open a cd online but not to close it on-line. 

Branch : Wells Fargo XXXX XXXX XXXX XXXX, XXXX, PA, XXXX. Phone : XXXX
Consumer complaint received 2022-06-24
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. (MN)

I HAVE TRIED CONTACTING THE FOLLOWING COMPANIES THAT ARE NOT AN ACCOUNT OR REPORTING ON MY EQUIFAX CREDIT FILE. HOWEVER, EACH COMPANY SAID THEY DO NOT HAVE AN ACCOUNT IN MY NAME AT THEIR COMPANY. I HAVE ASKED THEM TO REMOVE THE INQUIRY, THEY SAID THEY WOULD CONTACT EQUIFAX. HOWEVER, MY ISSUE WITH EQUIFAX IS THAT I FILED A IDENTITY THEFT DISPUTE TO HAVE THESE INQUIRIES REMOVED BECAUSE I DID NOT AUTHORIZE THESE INQUIRIES FOR XXXX XXXX, XXXXXXXX XXXX, OR XXXX XXXX NEITH WHICH ARE REPORTING NO ACCOUNTS TO MY CREDIT FILE. I DID NOT AUTHORIZE THESE INQUIRIES AND WOULD LIKE THEM REMOVED IMMEDIATELY DUE TO FRAUD.
Consumer complaint received 2022-01-19
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. (CA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Atlanticus Services Corporation (NJ)

XXXX atls aspire shows that XXXX has reported this again after it was removed from other bureaus police report was submitted and its past the 30 days they can not put back this disputed I'd theft iteam
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

My XXXX XXXX auto loan was paid off in full by my insurance company following a car accident resulting in a total loss. Prior to this, the auto loan account had no late payments reported. I received a letter from XXXX XXXX verifying that the auto loan account was paid off in full and closed as of XX/XX/XXXX. 

On XX/XX/XXXX, I received a notification from XXXX that XXXX XXXX reported a XXXX late payment in the month of XX/XX/XXXX ( after the account was already closed ). 

On XX/XX/XXXX, I filed a dispute directly with XXXX XXXX, and I also filed a dispute with Experian. Included with my dispute, I attached a copy of the letter from XXXX XXXX verifying that the account was paid in full and closed in XX/XX/XXXX, so it was not possible to have a XXXX late payment in XX/XX/XXXX. 

I also called XXXX XXXX multiple times on XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX. I spoke with multiple associates including a member of their Escalations Team and my complaint was assigned to their " XXXXffice of the President '' ( also called the Executive Office ) and assigned a case number and a case specialist. My case specialist reviewed the details of my account and also confirmed that the negative remark appeared to be an error and forwarded my case to their credit team with a request to remove the negative remark from my credit report. 

On XX/XX/XXXX, I received the results of my dispute from Experian stating that the negative remark on my credit report would not be removed. I called Experian to get clarification on this decision and was informed that XXXX XXXX had responded to the dispute and confirmed that the negative remark was accurate. This was in direct conflict with the information I'd received from XXXX XXXX. 

On the same day, XX/XX/XXXX, I called XXXX XXXX and spoke with my case manageXXXX. Upon reviewing the notes on my account, he indicated that XXXX XXXX had not received or reviewed my dispute from Experian nor had they verified the accuracy of the negative remark. He indicated that if someone from their credit team had reviewed the dispute this would have been reflected in the notes on my account along with the results of the review/investigation. 

I then called Experian back and was once again told that XXXX XXXX had, in fact, responded to the dispute but they would re-open the dispute anyway and send it back to XXXX XXXX for another review. 

At this point, the inaccurate remark is still on my credit report and has caused my XXXX XXXX to drop XXXX points. I have contacted both Experian and XXXX XXXX and nothing has been done to correct this inaccuracy, and I am receiving conflicting information from representatives at both companies.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent certified letters disputing these unknown inquiries to no avail they were not removed. it has been over 60 days since i have been requesting for validation and deletion
Consumer complaint received 2021-04-11
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. (SC)

Experian along with the help of XXXX XXXX has improperly reported information on my credit report for years and broke the law. They have admitted this to me in writing and I demand remedy from Experian for the improper use and damages. I have attached a affidavit and the exhibit proving these things.