davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

1. The unauthorized Transactions, from Bank of America debit and two credit cards, have been done by same account and with the same day. 
2. We have called about the fraud during processing and the bank take very long time to make the process.

3. The fraud on our first credit card has been solved but on the second one got rejected, which does not make any sense as they have been done through the same way and situations.

4. For security purpose, usually the bank call the customer when a large amount of transaction is transferred and they did not. This regarding the {$6700.00} ( the unsolved one ) - posted XX/XX/XXXX. 
5. The bank is saying that the unresolved fraud claim is coming from an authorized device, but gave 0 explication beyond that. We believe that we are being unfairly treated as we have not performed said transaction.
Consumer complaint received 2023-08-24
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. (VA)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Last year, my father passed away so we've been working on settling out the estate, selling the house, etc. 

We finally closed on his home XXXX weeks ago, and I received a check for my portion of this. Roughly XXXX. Well, I didn't want any issues with the bank so I went in person with my ID/Debit Card to the local Capital One branch to deposit the check. I asked about how long it would take to clear and they informed me it would be the next business day! ( Great! ) Well, next business day rolls around and the check was placed on a mandatory hold for 5 business days. Now, this wouldn't be so bad. But on top of the hold, they completely disabled my Debit Card. I couldn't make purchases or even transfer in/out money. So, queue a 5 hour call with Capital One. They were trying to call the issuing bank but apparently they couldn't verify the check with them for some unknown reason. They " claimed '' to have unlocked my card during this process, but it never happened. I called back the next day to maybe get different information, and well, I did... This new representative told me there was nothing they could do until the 5 day hold was released. ( I was fuming with them, at this point. I had wasted 5 hours of my time on the phone with them for no reason. May I add, the CSR dude I was speaking with had CHICKENS in the background and I could HARDLY understand a word he was saying. ) Well, with nothing to do I stood by and waited until yesterday ( tuesday XX/XX/year> ), and the check had cleared! ( yay! ) Or so I thought. My card was still disabled, so i had to call back. Queue another 30 or so minutes on the phone with their CSR. She unlocked my card and that was that. Cool. ( Again, so I thought ) This morning I wake up and I was going to sit down and start paying off some debts, paying for my classes, etc. 

I opened my account and noticed I had an alert saying I needed to call customer service ( AGAIN!! ) Admittedly frustrated with them at this point, I called anyway. Now my account is under further review AGAIN! When I asked the time frame, they were unable to provide this. 

What in the world are my options?? My car insurance is due in XXXX  days, and if not paid, will be cancelled. I can't use my debit card, I cant use the ATM, is this something I should go to a lawyer for? Try to get a supervisor? ( This was totally unsuccessful last week when I tried to get someone higher up ) I've received absolutely no communication from the bank on WHY my funds are being held for a second time.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have disputed this inaccuracy and the lack of reporting of this account with the creditor and the credit reporting agencies and sadly more incorrect information is now being reported. I currently have a CFPB case open with XXXX XXXX that they have not even acknowledged and a complaint with the XXXX. I have tried to call the creditor to resolve the issue several times though out the year and have been laughed at as I explained that everything was related to XXXX XXXX including the direct lose of my father. I have been hung up and on hold for upwards of 2 hours and transferred and the line disconnected. I have provided documentation showing that the credit reporting agencies were reporting inaccurate information on my reports and instead of investigating and fixing the problem they go in and report even more wrong information. Since the creditor and the credit reporting agencies refuse resolve the matter, or have any empathy at all. I am left with no other choice, I have gone ahead retained an attorney to represent me as it relates to this account. The violations of FDCPA ( harassing and threating calls and documented conversations I received at all hours of the day and night, which my cell phone records, voice mails documentation and show ) that took place during the term of this account and the continue inaccuracy and lack of proper investigation from the credit reporting agency. Is the main reason why I will be moving forward and filing the law suit. I have also filed a complaint with the state attorney generals office as it relates to this account so that they can conduct there own investigation with XXXX XXXX and the credit reporting agencies as it relates to this account I personally feel like I have tried everything to resolve this situation on my end and have even explained how this account was related to XXXX XXXX and that there own employees seem to find joy in laughing as I explained that my father had passed due the pandemic.
Consumer complaint received 2023-05-01
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: Bread Financial Holdings, Inc. (FL)

On XX/XX/2023 there was a hard credit inquiry that was submitted to my credit report. 
The company listed is XXXX XXXX. I first contacted XXXX and they gave me the full name of the company. They do credit applications for people that want to pay for glasses through a payment plan. I recently purchased glasses so I thought that it was valid. Then I contacted my optomistrists office and asked them why the submitted a hard inquiry when I didnt authorize it. They said that they dont use XXXX XXXXXXXX.I contacted Comenity Bank who is the bank behind the XXXX XXXX XXXX XXXX 
None of these companies have any applications listed under either my name or social security number. However, my name is connected to this company in some way. I have contacted XXXX XXXX and they have no information about this. I have asked Comenity Bank to remove the credit application and mark that it was an unauthorized hard inquiry. They will then sent it to the credit bureau so the credit bureau can remove the inquiry.
Consumer complaint received 2020-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I was a victim of loan fraud back in XXXX and have opened many investigations into such trying to get my money back. USAA gave me a provisional credit while they processed my investigation and then before I had the opportunity to provide all documents to show them the validity of my complaint closed the investigation and took the credit back. This left my account with a serious negative balance and any transaction that processed after the fact I was charged NSF fees for putting me further behind. I had to open a new bank account so I could pay bills and provide for my family. I get VA benefits sent to this account and changed the account information, but not before the VA processed a deposit. All of that money went this account which essentially is lost to me and we were out another {$260.00} on top of the {$680.00} plus all the NAF fees that have incurred. I contacted the bank asking for that money back as we are already struggling with Covid and loss of hours. USAA basically ignored my request to send that money back to me as well as any request to break that {$680.00} up from that credit so I might keep my account open and put food on the table. I requested assistance with stop payments, put a freeze on my debit card, and requested my whole account be frozen as I am still investigating fraud. Clearly USAA ignores my request and have been charging ridiculous fees and keeping any and all deposits or refunds that have been processed. My benefit money is used to assist with my bills and we are desperately struggling with all of this.
Consumer complaint received 2020-12-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

A credit card was opened in my name by someone else. I have talked with the Bank that the card was opened with and they have said that they have deleted the account. XXXX will not remove the account from my credit report. I have disputed it multiple times
Consumer complaint received 2020-11-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

It is my second letter about my credit report which is very serious. Please make sure it is not being ignored like my previous letter I sent on XXXX. I noticed various reports on my credit file which are very serious and due to inaccurate information about me on the credit file it is costing me a lot of money, wrong information causing me paying high interests or even getting refused if I want to finance anything. I believe my identity has been stolen and being used for fraud. 
It's really upsetting and I am a victim of mentally stress and financial stress. At least 60 days passed and they have not come back to me, if this letter continues being ignored. I will take further action and write to the XXXX head office to file a complaint. Moreover, if it is necessary I will take them to court to sue them.
Consumer complaint received 2024-10-13
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. (IL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MA)

Several months ago XXXX changed their XXXX XXXX XXXX card from the XXXX XXXX XXXXXXXX to Comenity Bank. Our main purpose in using a XXXX card was to use it for travel : twice we tried to use it toward travel expenses at XXXX and it was declined, and a third time with a local business. My husband and I both have cards and Comenity claimed that the first payments we made in XXXX were late and charged us late fees. The payments were sent before the due dates but Comenity claims the postal service must have been slow. That being said, we decided to send the XXXX payments return receipt requested, they were sent on XX/XX/XXXX, it was delivered to the XXXX XXXX XXXX on Monday, XX/XX/XXXX ; we have been checking my bank account daily and as of Sunday morning the XXXX of XXXX when the payment was due on XX/XX/XXXX, there is no indication of it being deducted from our bank account. Comenity Bank does not return the checks to the bank so we do not have a receipt of the written check, they just put in a code to charge the account immediately which means it should have been deducted at the beginning of the week not kept in order to charge a late fee, the first charge was {$25.00} saying the next time it would be {$39.00}. 
We are in the process of trying to close these two accounts and may not be able to do anything about the first set of charges, but I definitely know we do not owe a second set of charges. We intend on fighting any further late fee due to Comenity Banks incompetence and to avoid having our credit rating damaged. We have filed a complaint with the XXXX  and reviewed the rating : Comenity Bank has an overall rating of XXXX and an XXXX  rating regarding credit related matters. Review of the complaints indicate that charging late fees seems to be their way of doing business.
Consumer complaint received 2020-11-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (NC)

In XX/XX/XXXXI was a XXXX  at college and wanted to move off campus for the XX/XX/XXXXyear. I found these apartments and me and a group of friends went to tour the apartment. The tour guide offered us interest papers to sign to hold our place but in no clear terms did she mention we were signing over our right to that apartment complex. Because I was an early age of XXXX I had no proof of income and no credit so I needed a guarantor to be qualified to move in. My guarantor declined my request which resulted in me not moving in. A couple of months later I get a collections call saying I owe the apartments complex almost XXXX XXXX dollars. I was never notified of this, I was never offered room keys, and as far as I knew my application was never suppose to be processed because it was incomplete due to my missing guarantors signature. I have had to suffer for the last 3 years because of this. I was homeless for about a month because an apartment complex I never lived in. This is not right, then to make things worse, Ive come to find out my room that I had planned to move in was subleased out during the semester, so how can two people lease out the same 1 bed room apartment. This has blocked me from getting my first car in my name, I can not get support from banks, I also have trouble finding my own place to live in my name because of this. I literally have to depend on others now because to everyone else I'm not dependable because of an apartment complex who wanted to get over on a uninformed college student. I have been dealing with this for 3 years and I still have 4 more years of torture to go, so at this point all I'm asking for is help on how to get out of this quicksand situation.
Consumer complaint received 2020-11-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

It is my second letter about my credit report which is very serious. Please make sure it is not being ignored like my previous letter I sent on XXXX. I noticed various reports on my credit file which are very serious and due to inaccurate information about me on the credit file it is costing me a lot of money, wrong information causing me paying high interests or even getting refused if I want to finance anything. I believe my identity has been stolen and being used for fraud. 
It's really upsetting and I am a victim of mentally stress and financial stress. At least 60 days passed and they have not come back to me, if this letter continues being ignored. I will take further action and write to the XXXX head office to file a complaint. Moreover, if it is necessary I will take them to court to sue them.
Consumer complaint received 2021-03-31
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. (IN)

The following accounts are not mine. The have not been verified I contacted XXXX XXXX and they don't have record of these accounts for me. 

XXXX XXXX XXXX XXXX BANKRUPTCY XXXX Please remove all accounts listed my information was compromised in a Data Breach.,, XXXX  : XXXX, XXXX
Consumer complaint received 2024-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (FL)

I had a frudgulant charge on my account. I origional declined the charge through wells fargo and then it was approved the next day. After the dispute wells fargo denied the dispute. The merchant or the bank will not help me and how it stands currently I have no product that I was supposed to recive and still charge the money.
Consumer complaint received 2022-07-29
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. (PA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$12000.00} ; US DEPT ED XXXX XXXX XXXX {$7500.00} ; XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

BANK OF AMERICA has contacted me as well as a debt collector stating that account number XXXX was opened sometime 10-12 years ago and is my account. I have never banked with bank of America. I have never had a credit card with bank of america. I have requested validation of the account and information from them and a copy of the signed contract or statements and they have failed to send any of this back to me and i made this request with them on XX/XX/XXXX at XXXX. This is a fraudulent account and they are refusing to investigate the matter properly.
Consumer complaint received 2022-11-29
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. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have previously attempted to make contact with XXXX which shows on my credit report as a negative and delinquent account. This loan was paid off by XXXX XXXX after the vehicle was deemed totaled and unsalvageable. The remaining balance left was covered by the Gap insurance that was purchased for the vehicle. This account was paid off in full and shows a delinquent status on my credit report. The current status of the account is not correct and is unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable
Consumer complaint received 2020-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I was making my payments and someone hit and ran into my vehicle, I had insurance and had to send the bank check to fix my car, they were supposed to send it back for the damages instead they applied it to the principal of my auto loan which left me stuck paying for the damages even tho I had insurance and still had my car payment due to them putting it toward the balance and not what I owed. This app XX/XX/XXXXthrew me off ruined my credit and prevented me from getting a home loan. They have violated my consumer rights