davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-12-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: U.S. BANCORP (OR)

I receive an annuity payment from XXXX XXXX in the XXXX which is deposited as a international wire transfer into my US Bank account each XXXX. The annual payment is for XXXX. When I received my first payment on XX/XX/2021, I received the dollar equivalent of {$4400.00}. This month on XX/XX/XXXX, I received the amount of {$3400.00} which is not I believe coincidentally the exact amount in pounds sterling that was deposited by XXXX XXXX. When I contacted US Bank about this on XX/XX/XXXX, they said they were unable and unwilling to tell me the exact amount that had been deposited in my account. I believe that US Bank has made an error in not converting the pounds sterling deposit they received into dollars. I have verified with XXXX XXXX that they made the deposit by international wire transfer this year as they had done last year. 

I have attached a cover letter from XXXX XXXX showing the details of the annuity payment and also a screenshot from US Bank showing the deposit amount in my account.
Consumer complaint received 2022-03-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

To Whom This May Concern : Since XX/XX/2021, I noticed on 3 credit bureau reports that I had multiple accounts that were charged-off accounts that were still reporting information to my credit profile. I began to send each credit bureau a letter inquiring into the overall general state of my credit profile ; they responded and stated that everything was valid. Again, I sent another investigation letter into the credit bureaus ' investigations and how they found their conclusions. I also sent a letter to each of the companies, which included XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2021-02-26
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: REVERSE MORTGAGE INVESTMENT TR (GA)

The company has not communicated with me timely nor have they attended to the appraisal appeal I did after the first appraisal. They are price gauging by constantly needing an appraisal that comes up higher than the last appraisal. So far there has been 3 appraisals. I've always managed to get necessary documentation to them in a timely manner ; however they can never seem to perform appropriate actions on their end in a timely manner, thus causing several delays that appear to be done on purpose. It appears that they have been purposely dragging the process out, as conveniently every 120 days they claim to have to do another appraisal, thus causing the cycle to start over and over again. I have sent my birth certificate into them 4 times under every cover that I can use. There isn't a specific point of contact to reach out to and communicate with. It is the proverbial runaround. 

My mother passed on XXXX and I have been trying to buy back her property for the last year to no avail.
Consumer complaint received 2022-10-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I disputed this account with XXXX Credit Bureau. This account is still being reported to my XXXX Credit report. 

CFPB Report # XXXX
Consumer complaint received 2020-06-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened an business checkings account in person at the branch office located on XXXX XXXX XXXX, XXXX, Ca XXXX When creating the bank account, the BRANCH MANAGER assisted. She let me know that as long as I maintained a minimum of a $ XXXX revolving balance between all linked savings accounts, that I would not be charged a monthly maintenance fee. I specifically asked her if I needed to initiate a transfer between my accounts to put the $ XXXX into the business checking account. She assured me that I didnt because my accounts were LINKED and well over the required amount to waive the fee. 


While doing my accounting, I noticed I was being charged even though my LINKED accounts maintained 10x the minimum requirement. My accounts are linked via online account as well as linked through my social security number. I called Bank of Americas small business line at XXXXXXXX XXXX  on XX/XX/15. The telephone operator, XXXX, then proceeded to play a game with me forcing me to guess alternate options and telling me if I dont pick the right one then my claim will be denied humming jeopardy music while he was at it. He verbatim told me this was his game and I have to choose wisely. He wouldnt just escalate the issue that I explained to him. After jumping through hoops with him, finally he says he can reverse ONE charge and ONE charge only because its the one that you caughtbecause you didnt catch the others in time, we cant do anything about that. So Bank of America gets to pocket stolen money because I didnt CATCH IT?! What kind of a financial institution is this? They have falsely advertised their business advantage programs and I wonder how many other small business they are stealing from. I decided to call Bank of America back and requested to speak to a manager. A girl named XXXX answered and refused to let me speak with manager and instead gave me HER OWN SPIN on what the rules were. XXXX already agreed with me snd saw all the funds in my account and said he was confused as to why I was being charged but only wanted to reverse one charge, NOW we have XXXX saying the rules say I need to have $ XXXX in the specific account Im being charged the fee. NEWS TO ME.

False advertisement Misconduct - I shouldnt have to play along with some bored representatives jeopardy game for his entertainment instead of having my finances dealt with professionally. 
Theft Dishonest banking
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

I have submitted personal information disputes with the credit bureaus on XX/XX/2022 and am still waiting on Experian to update my personal information.
Consumer complaint received 2020-06-30
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. (GA)

XXXX XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXXXXXX # XXXX {$300.00} Inquiries : XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX XXXX XXXX {$300.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX EQUIFAX XXXX. XXXX XXXXXXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX  XXXX # XXXX {$300.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit report, as I am a victim of a data breach. Under the provisions of 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit file : XXXX Accounts : XXXX. XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$7900.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$860.00} XXXX. XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$870.00} XXXX. XXXX XXXX IN Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$870.00} XXXX. XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$860.00} XXXX. XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$130.00} Unauthorized Inquiries : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX
Consumer complaint received 2020-06-30
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. (GA)

XXXX XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX XXXX XXXX {$300.00} Inquiries : RENTAL PROPERTY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX Transunion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX$300.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXXXXXX # XXXX {$300.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello I'm reaching out to you all about an account that is showing on my report but is not mine. I thought it would be some error that could be fixed so I called XXXX XXXX and spoke with a lady name XXXX. She ask for all my information including my social and was not able to find any type of account for me in their system. XXXX advised my to send in a letter to their disputes department. I received a letter from XXXX XXXX the other day and they are pretty much saying the same the same thing XXXX said and they were unable to find an account but is asking for my zip code of my address which I included in the letter and its even on the return address on the envelope. They received my letter because they responded to my in writing. The post office is not going deliver mail if its not a complete address. Please have XXXX XXXX removed from my credit report immediately. I have attached the letter received from XXXX XXXX and I have also attached the exact documents to verify myself that I sent to XXXX XXXX.
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Payment History : Payment history for the months of XXXX and XXXX was not reported ( Equifax ) ( XXXX ) & ( Equifax ) Equifax Report Date XXXX XXXX, Confirmation # XXXX page XX/XX/XXXX Show PAYMENT HISTORY : NO DATA AVAILABLE. 
XXXX : XXXX ( Rating X ) NO DATA INFORMATION. XXXX ( Rating X ) NO DATA INFORMATION. 
XXXX XXXX ( ND ) NO DATA INFORMATION. XXXX ( ND ) NO DATA INFORMATION. 
On XXXX, I submitted a written dispute to XXXX Bank Credit Bureau XXXX, attached United Postal Service Receipt that proves that XXXX XXXX  ( XXXX ) received all the documents. like my bank statements, copies of a portion of my credit report, a copy of my DL, as well all the documents to support this complaint. This department didnt take action to correct this discrepancy in my credit report. This department sent me a letter on XX/XX/XXXX, requesting the same information already sent previously. Letter is attached. 
XX/XX/XXXX I received a letter form XXXX XXXX, case # XXXX. I reached out to # XXXX asking to speak to XXXX, the person indicated in the attached letter, but she never returned my call.
Consumer complaint received 2022-03-21
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. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OK)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the Equifax, XXXX, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2022-10-28
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: BSI Financial Holdings, Inc. (CA)

Im a co-borrower on a mortgage with my father. My brother filed for bankruptcy two months ago. BSI Financial Services stopped sending statements two months ago when my father contacted the company. The service representative stated there were no problems with the account. My father continued to make payments on time.

Today my father contacted BSI Financial Services regarding the continued missing statement when they notified him that the property was included in a bankruptcy filing in his name. My father then clarified that his son ( my brother ) filed for bankruptcy two months ago, but he has never been a borrower on this loan or any loan along with my father.

I spoke with an account representative today, and she stated she could not provide me with account details as the account is in default due to said bankruptcy filing. I asked how the bankruptcy filing was varied and applied to the loan, to which the representative could not give me an answer. 

I did not get answers to my questions or clarify how this discrepancy would be resolved.
Consumer complaint received 2022-09-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-03-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In the fall of last year, Bank of America made me a " preferred '' member and started to charge me {$25.00} per month for checking. I did not agree to this fee. They just up and did it. I have two mortgages with the bank, two checking accounts and a savings account. I've been with the bank for over 15 years and have never been charged these fees. I was told I had to maintain a minimum balance in these accounts. Looks like they decided to change the rules in the middle of the game. 

Smacks of what XXXX XXXX did. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX