davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I had {$500.00} in fraudulent charges on my unemployment benefits prepaid card issued by Bank of America. I filed a dispute and got a letter from Bank of America stating that they have creditED my acct for {$500.00} on XX/XX/2021. Clearly a lie because here we are at XX/XX/2021 and I have yet to recieve the credit to my acct. I have spoken to the dispute dept at least once a week who have put in a ticket for missing funds. STILL hasn't been done. I have also spoken to many supervisors. Today after spending 40min on the phone asking to speak with a manager I finally was transferred to a supervisor, yet again! XXXX, a supervisor for the prepaid claims dept basically told me OH WELL! There is no ETA for when the money will be deposited despite the XX/XX/XXXX letter stating that the credit was already taken care of. And the dispute dept is the last level of recourse for me and nothing has been done. I have bills to pay!!! This is ridiculous and I'm at the end of my rope with this XXXX.
Consumer complaint received 2021-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION (NC)

My financial institution NFCU has denied my dispute for a fraudulent scam transaction more than three times. Initially I was granted a temporary refund for the dispute but that was taken back within a month. I have shown proof that the fraudulent merchant XXXX XXXX XXXX XXXX did not provide the service that was agreed in the contract. I also provided proof that the merchant agreed to refund me in full, but however that never happened and they kept giving me excuses why I had not received my funds. Hence the reason I started the dispute with NFCU to help me get my funds that are owed to me. I thought being a client, a LONGTERM client of NFCU this would be handle in a better and quicker manner. When I contacted NFCU yesterday about the dispute the customer service rep was helpful, however the dispute dept. that she was " chatting '' with for help was VERY nonchalant. The credit is only for {$250.00} which to some may not be alot but to a single mother of XXXX it puts a dent in my finances.Overall I am very upset at the way NFCU is handling my dispute.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by EXPERIAN. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : US SM BUS ADMIN ODA-Date of inquiry XX/XX/XXXX 2020
Consumer complaint received 2023-03-15
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-10-01
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: AMERICAN HONDA FINANCE CORP (IN)

On XX/XX/XXXX I disputed an account with American Honda Financial Services. The complaint I am filing is specifically related to their reporting on my XXXX Credit Report. They are reporting that I was delinquent on a payment by 60 days in XXXX and XXXX XXXX XXXXXXXX. 

I have provided both XXXX and American Honda Financial services documentation from a court order in relation to this inaccuracy. The account was originally in both my wife and I 's name at the time it was taken out. In the court order it states " Wife shall be solely responsible for all debt obligations on such titled or leased property, if there is any, and shall hold XXXX harmless theron. 

My ex-wife retained possession of this vehicle and terminated the lease early unbeknownst to me as we were divorced. In the transaction with the dealership where she traded the car they advised they would take care of the remaining balance in relation to her new vehicle purchase ( I assume roll over any unpaid balance ). I was never notified of this until XXXXXXXX XXXX XXXXXXXX when American Honda contacted me for the first time about a " late payment ''. You can imagine my surprise that they had let the payment get this late without reaching out to my ex-wife who was the one who had traded the car in and two never attempted to contact me on an account I did not even have access to any longer. In fact, American Honda Financial had removed my ability to even make payments on this account in their online portal and through the phone. It was at that point that I had to reach out to my ex-wife 's family and I had no contact information for her and threaten legal action if they did not resolve the problem.

This account should not be listed in my name as negative as I have court documents showing I had no responsibility for the loan after we dissolved our divorce.
Consumer complaint received 2022-02-03
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. (WA)

Equifax is driving me INSANE! Please help and do not close this complaint! XXXX XXXX, Executive Assistant at XXXX ; XXXX XXXX ( XXXX ), President, XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, CEO, XXXX have all been made aware of this and are COMPLICIT in this. Laughing and mocking me! They have SENSITIVE information currently stored in their email address inboxes including copies of my : Passport, Drivers License, Social Security Card, etc that i'm asking to be deleted and remediated. XXXX blatantly lied to me and told me that " they couldn't find the XXXX XXXX XXXX accounts '' and REMOVED the WRONG ONE that was on my credit account since XXXX! It's insanity! Now XXXX XXXX is calling me threatening to SUE ME! This was supposed to be taken care of in XX/XX/XXXX and WAS PROMISED BY EQUIFAX to be taken off within XXXX hours! They lied! I mailed in my copies, faxed it XXXX times, and each time there is a new issue! XXXX XXXX said they didn't receive info from Equifax yet that it was fraud/ identity theft! A male supervisor at ( XXXX ) XXXX was very kind and helpful last Thursday and told me that the account numbers for the XXXX XXXX XXXX accounts closed on XXXX XXXX, XXXX had been changed and that may be why Equifax can not locate them. Nonetheless, he told me to file an FTC fraud/ identity theft report and then fax it into Equifax and he will take it off IMMEDIATELY! These people have done NOTHING! It takes a maximum XXXX business days to process their faxes and I sent it last Thursday so it's been XXXX business days! Plus they received the previous information XXXX XXXX since XX/XX/XXXX! Yet fail to take any action! Im attaching legible copies of my SSN, Passport, Police Reports, FTC report, SSN Card, etc once again! And all previous correspondence! I want the CFPB to take action against these people! They're the reason I've suffered from identity theft to begin with! Which is why I won a lawsuit against them almost 3 years ago! Please CFPB take action against them!
Consumer complaint received 2021-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nelson Cruz & Associates LLC (OK)

This debt popped up on my credit report this year. I have no clue what this company is or who they represent. It should be against the law for this companies to just pop up on your credit report without contacting the consumer first
Consumer complaint received 2021-07-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CT)

Hello, my name is XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX CT XXXX. I have been a little confused with my home mortgage since they merged/changed names from Ocwen to PHH mortgage during the 7/8th month of 2019. I have been calling them twice a year for a charge they have with my account for {$410.00} " Assessed Expenses '' I was told for over a year they would investigate what the charges were from but my third time calling in over two years, I was told the charge was placed against my account and that was it. I would like a detailed list for the charges they are trying to bill me for. I want to know if they charged any customers these fees when the changeover to www.ocwen was made to XXXX on 2019. PHH hasn't given me a detailed reason of list for the charges with dates and reasons. I need help trying to find out exactly what the charges are for and why they are on my account.
Consumer complaint received 2022-09-12
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: Experian Information Solutions 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 2021-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2021-07-13
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

This is a formal complaint against Capital One located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Capital One has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-07-13
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. (GA)

I submitted a valid FTC report from FTC.gov, to Experian on XX/XX/2021. Experian has refused to block the fraudulent information on my credit report, resulting from identity theft. I mailed all required identification documents via certified mail. I spoke with two separate representatives on two separate dates ( XX/XX/2021, XX/XX/2021 ). The first agent informed me that my information would be processed and blocked by then end of the business day. I called back on ( XX/XX/2021 ), I was informed by a separate agent that my information would not be blocked. The agent also suggested that I file a CFPB complaint regarding this issue.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kingston Data & Credit International Inc. (OH)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I called Transunion on XX/XX/XXXX and spoke with the supervisor and explained that I have sent 6 letters, within that 3 have been certified, and have not received a response. Before these letters, I have submitted at least 2 disputes in deleting the chapter XXXX bankruptcy that should not be reporting on the Transunion credit report. 

The 3 tracking numbers that I have is XXXX XXXX and XXXX ; Transunion states that they have not received any correspondence from me since XXXX. 

I have told the representative from Transunion that the bankruptcy should not be reported because the bankruptcy was NOT voluntarily dismissed and does not meet their internal guidelines and also the FCRA. Also, XXXX  and XXXX  have determined that this should not be reported and have removed them from their reports. 

Below is an excerpt from https : //www.transunion.com/customer-support/faqs/credit-basic : Bankruptcies : Generally, bankruptcy and dismissed bankruptcy actions remain on file for up to 10 years from the date filed. A completed ( discharged ) or dismissed Chapter XXXX remains on file for up to seven years from the date filed. A voluntarily dismissed bankruptcy remains on your file for up to XXXX years from the date it was filed. The actual accounts included in bankruptcy remain on file for up to seven years from the date of closing/last activity regardless of the chapter pursuant to which you filed. 

They should be following the FCRA and their own policies ; this needs to be resolved.
Consumer complaint received 2021-07-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION (FL)

I had an account with Suntrust Bank opened XX/XX/XXXX. I paid the balance of the account off in XX/XX/XXXX with a deposit of XXXX. I opened a new account with Suntrust 1 1/2 years ago and had a dispute in which I made a cash deposit and did not get the credit for all of the cash so they filed a dispute, discovered I was correct and reversed fees and sent me a letter. 
Now all of a sudden they send a collection over to XXXX XXXX XXXX XXXX indicating that I owe XXXX. I called Suntrust Saturday XX/XX/XXXX and they said I had to call this creditor. I just spoke with creditor XX/XX/XXXX and they said I made a deposit of XXXX in XXXX and then Suntrust added on XXXX in fees and then added a XXXX collection fee which makes the sum total of XXXX If I had an outstanding balance with Suntrust ( which I did not ) why did they open a new account for me in XXXX? I NEVER received anything from Suntrust since I made that final deposit of XXXX re account ending XXXX. 
I attempted to reach the department that handled my dispute XXXX and just keep getting looped through automated system.
Consumer complaint received 2021-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2018, I started the process of disputing inaccurate and unknown things on my credit reports. To this day over 3 years later of disputing, inaccurate information still is being reported. After challenging the inaccurate information with XXXX, this information was subsequently deleted and removed ( XXXX investigation results attached ) based on the lack of ability to verify the accuracy. I noticed that after challenging the inaccurate information with Transunion and XXXX, they verified this inaccurate information. It is my understanding that the creditor reports the same information to all credit bureaus as stated under the FCRA. I feel like I'm being taken advantage of and being ignored by my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted buy the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

on XX/XX/2019 a loan was taken out from XXXX XXXX, self lender in the amount of XXXX i noticed on my credit report the the account was not mine and made the credit bureaus aware and it has been over 90 days
Consumer complaint received 2022-11-01
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. (MN)

I have been disputing for the correction of my Credit File from fraudulent information by having the fraudulents items removed from my Credit File. I have been sending dispute letters and CFPB Complaints to the Credit Bureaus and yet the Credit Bureaus have sent me nothing. I am executing my Consumer rights under the Fair Credit Reporting Act section 605b, which requires the Credit Bureaus to remove the disputed accounts and information from my Credit File that resulted due to identity theft. Also, the Credit Bureaus have been claiming that the disputed are verifed and are accurate per Creditors ' verification. However, the Credit Bureaus failed to send me copies of proof of verification from the Creditors. I believe that the Credit Bureaus have not done any investigation since they have failed to send me documents that I have been requesting fo quite a long time. This action of the Credit Bureaus is a clear violation of a consumer rights! If the Credit Bureaus do not comply with the reqyests, please understand I will initiate a lawsuit. Once again, I need the following items removed as soon as possible : 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 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 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