davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
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 (MD)

Please refer previous complaint ID : XXXX for more details. 
This is regarding my money being stolen from Bank of America online ( via BILL PAYMENT ). 
this is reference ( XXXX ) to BOFA company asked here is information : XX/XX/XXXX : XXXX XXXX XXXX from BOFA ) Resolution Specialist called/emailed me and requested provide a letter from your cellphone provider on their letterhead confirming you did not perform the transaction XX/XX/XXXX : I called cell phone provider : XXXX XXXX customer service ( XXXX XXXX XXXX - XXXX ( XXXX ) XXXX ) and requested Letterhead with all the details which you mentioned, Agent checked with their Legal team and response was " XXXX XXXX XXXX is prepaid service so can not provide legally on letterhead '', their suggestion is : I can logged in XXXX XXXX XXXX website and print transactions and provide to you '' OR You/BOFA can contact them directly ( XXXX XXXX XXXX - XXXX ( XXXX ) XXXX ) so that they can confirm/provide XXXX XXXX did not perform the any fraudulent transactions and details. 

XX/XX/XXXX : Sent details and XXXX trasactions copy to BOFA Enterprise Resolution department. 

Please do reconsider the claim, as you know 1. On XX/XX/XXXX When I noticed two pending transactions trying to post against my account. I contacted the bank immediately 2. XXXX went to XXXX XXXX md police satiation and filed a case related to the same thing ( XX/XX/XXXX, you/BOFA received a police report as supporting documentation ) 3. Filed complaint : FBI-IC3 4. The Two payments were stolen from my account thru BILL PAYMENT without my approval ( took below details from my BOFA online BillPay activity history ) XXXX XXXX XXXX BILL PAYMENT debit XXXX ( last 4 digits of fraud 's account : XXXX - Confirmation XXXX ) XXXX  XXXX XXXX XXXX BILL PAYMENT debit XXXX ( last 4 digits of fraud 's account : XXXX XXXX ) clearly there was Fraud 's last 4 digit credit card account number and confirmation #, BOFA can contact XXXX  and XXXX  XXXX XXXX  to find out criminals. ( actually I contacted XXXX XXXX  and they suggested BOFA can contact them directly then XXXX will provide the frauds/criminal details ) So please help on this, seeking assistance in getting the funds returned. 

CLAIM # XXXX BUSINESS NAME : XXXX XXXX XXXX LAST 4 DIGITS OF ACCOUNT # XXXX POLICE REPORT # XXXX CFPB COMPLAINT XXXX & XXXX Filed complaint : FBI-IC3 FTC : XXXX Thanks & regards, XXXX XXXX XXXX
Consumer complaint received 2024-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Hello, I am submitting a complaint on Citi bank, they closed XXXX of my credit cards because they haven't received document from me. I have tractor supply credit card with citi bank and citi american airlines credit card. I was able to use my cards previously without problem, I was doing my payments on time. I haven't received any letter, because the letter they have sent to me was sent on XX/XX/XXXX on XXXX XXXX XXXX XXXX XXXX CA XXXX, I attached the letter they provided to me. But at that time I have already moved to my new address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX, I attached my statement that you see I have moved to my new address. I haven't received a call or email regarding that they have requested document from me. Whenever I would login there were no notification that there was a problem with my account. When they closed the account the red notification appeared in my account, but not when they requested documents, I attached screenshot. I am not asking just to reopen my cards, I request to allow me to send them document they requested and process it, once they process it I ask them to reopen my cards. I am ready to provide the information they need, but they don't agree to allow me to send my document and reopen my cards, despite the fact I was never able to know that there is a problem with my cards.
Consumer complaint received 2020-07-17
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. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report : US SM BUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-23
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)

When I first decided to exercise my rights under the Fair Credit Reporting Act, it was with an eye on challenging any information found in credit reports that are not accurate. I am ensuring the information on my consumer report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There is no proof that I'm delinquent or derogatory, so how can they report this? 

In accordance with the FRCA, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 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 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 2023-02-23
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. (GA)

A dispute was submitted with Experian on or around XX/XX/23 regarding 9 accounts from XXXX that showed factually incorrect payment history. Attached to this dispute was a document from the reporting creditor ( XXXX  ) showing that the accounts were in deferment or forbearance during the specified dates. 

Experian completed their " investigation '' and noted that accounts were reporting correctly on or around XX/XX/23. Experian was called regarding this issue on the same date and informed me that there was nothing I could do regarding this situation. I asked to speak to a supervisor and this same information was parroted to me regarding my issue. 


The dates in question are : XXXX and XXXX for all XXXX XXXX Accounts listed on my credit report.
Consumer complaint received 2020-05-28
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. (TX)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 2023-02-23
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. (NV)

In accordance with the fair credit reporting act, XXXX  account number XXXX has violated my rights. 

Statue 15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy.

Statue 15 U.S.C 1681 s. 604A. states, A consumer reporting agency can not furnish a report without the written instructions or concern from the consumer ( myself ). 

XXXX XXXX and Equifax have violated my rights by furnishing my credit file with inaccurate information regarding account XXXX XXXX XXXX. I have verified that Discount does not exist with the listed lender or creditor. This account is fraudulent. I have disputed it several times in the past and it only comes back updated. I deserve the right to an accurate credit file. I have provided proof and documentation of an accuracies that violate my rights. Please remove this in accurate information from my credit file immediately.
Consumer complaint received 2023-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

On or about XXXX XXXX, I received notice that some information changed on my credit report from XXXX and XXXX. I immediately contacted XXXX, to see what happened or what was being reported. What is falsely being reported was a new collection account from a business entity as follows : Fair Collections & Outsourcing, AKA ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. Further, the credit report indicated that account was last updated on XX/XX/XXXX in the amount of ( $ XXXX ) XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Dollars. Next, upon review of all three major credit agencies XXXX, XXXX, and XXXX ; I could see this collection account on all three bureaus dated XXXX XXXX. After a little due diligence I was able to locate the phone number for Fair Collections & Outsourcing. I phoned the company at ( XXXX ), and ask to speak to the person in-charge ; I was transferred to XXXX XXXX XXXX This party wouldn't allow me to speak so I just listen to XXXX XXXX, explain to me that this was an attempt to collect a debt and he needed to confirm some information. I told XXXX XXXX, that my rights was being violated under the Fair Credit Reporting Act 15 U.S.C. 1681 a ( f ). I informed XXXX XXXX, that having not made any contact with me directly via us mail, digital or by phone prior to placing this collection on my personal credit ; was a clear violation of the law, and I would be filing a complaint with CFBP and contacting an Attorney, further I stated that Fair Collections & Outsourcing, had to wrong party. XXXX XXXX, said I didn't know what I was talking about and I could do whatever I liked and then hung up. Next, I phoned back got XXXX XXXX, again and Informed him that not only was Fair Collections & Outsourcing, violating my rights but additionally, I wanted to know who was the original client and he refused to answer. Finally, later that evening on XXXX XXXX, a letter arrived at my residence from Fair Collections & Outsourcing, dated XX/XX/XXXX, although the letter was backdated it didn't arrive to me until XX/XX/XXXX. This letter was an " Offer To Satisfy For 20 % ) for a total of $ XXXX. The letter had the correct address but did not bear my correct legal name. I'm filing this complaint today and contacting an Attorney, to have this matter removed immediately from XXXX, XXXX, and XXXX. Fair Collections & Outsourcing ( XXXX ) has engaged in " Debt Parking or Passive Collection '', tactics here. They placed this collection on my consumer credit files first and then mailed a letter. Next, the first contact on this collection ; is me contacting their company. The letter or so called first point of contact is additionally, further violates the FDCPA, in that its a settlement offer ; and does not inform me of my legal rights as required under the law.
Consumer complaint received 2021-05-20
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. (TX)

On the XXXX I sent letter regarding inaccurate and unknown things on my credit report to this day over 60 days, later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that failure to investigate their items within 30 days gives a reason to immediately remove those, items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by Equifax data breach.
Consumer complaint received 2020-05-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (IL)

When contacting US Bank regarding several issues I've been having with their XXXX app features the representative I was transferred to from technical support was extremely rude telling me that they've been having these issues for a while they had no estimated time of when the issue would be resolved because it was a low priority for US Bank and he had nothing else to tell me when I called back to file complaint against that representative I was given the runaround today I received the call from a very rude representative from their corporate offices in which he wanted to argue and interrogate and harass me on the phone about issues that I'm having with my account due to their negligence and by their own inventions of their representative and issue they knew about but that wasn't a concern for the bank
Consumer complaint received 2023-02-23
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: Experian Information Solutions Inc. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter to dispute the inaccuracies and illegalities in my credit report that have caused significant harm to my credit score and financial well-being. Specifically, I am concerned with the actions of XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX. 

Firstly, XXXX XXXX XXXX  XXXX reported a late payment on my account ( XXXX ) which is completely false. I have never missed a payment on this account and have always paid on time. This violation of the Fair Credit Reporting Act ( FCRA ) has caused undue harm to my credit score and has the potential to impact my future financial opportunities. 

Secondly, XXXX XXXX has reported my account ( XXXX ) as charged off, which is also false. I have made several attempts to rectify the situation with the company, but they have refused to acknowledge my payments and have continued to report the account inaccurately. This violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) has caused significant damage to my credit score and my ability to secure credit in the future. 

Thirdly, XXXX XXXX XXXX  XXXX XXXX. has reported my account ( XXXX ) as being in collection, which is also false. I have never received any communication from them regarding a collection account, and they have not provided me with any proof of such a claim. This violation of the FCRA and the Truth in Lending Act ( TILA ) has caused unnecessary harm to my credit score and my financial reputation. 

Lastly, XXXX XXXX XXXX  XXXX XXXX. XXXX has also reported my account ( XXXX  ) as being in collection, which is completely unfounded. This violation of the Real Estate S

ettlement Procedures Act ( RESPA ) and the Equal Credit Opportunity Act ( ECOA ) has caused significant damag

e to my credit score and my financial stability. I request that you investigate these inaccuracies and take appropriat
e action to rectify the violations of the above-mentioned laws. Please provide me with written confirmation of your findings and the actions taken to rectify these violations.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

An old account was placed on my credit report that I have no knowledge of. This is a medical bill and is in violation of HIPPA. This should not be on my credit report. It was removed from XXXX  because it was invalid. Experian still has it listed and I want this removed.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

1 head u been calling and sending mail to XXXX XXXX they repeatedly ignore me even under the FTC the 609 disputed letter I sent 2 times and other mail 3 times and XXXX XXXX refuse to talk with me and and provided me with any proff of my signed contract or any other documents they are breaking the law under the 609 law
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (WA)

On XX/XX/XXXX, Discover bank underwent announced maintenance on its debit card systems. The message users received about this for weeks before it happened was that the maintenance would take place overnight, and that it would not affect transactions. 

That morning, several hours after the maintenance window, I tried to use my debit card and it was declined for insufficient funds. I called Discover Bank, and they had no idea why my card wouldn't work, though they thought it was because my card was expired. " Are you sure you aren't using an older card? '' I don't have an older card. 

They told me there was no reason my card was being declined, and I should try again. I did, and it was declined again. THAT is when the customer service reps admitted their maintenance went longer than expected and was - contrary to their own written promises- affecting transactions. 

Two days later, and my card is being declined AGAIN. This time, they've allowed vendors to maintain holds on funds even after the bank has charged me for the vendor 's item, effectively taking money out of my account twice, and rendering me again unable to use funds in my account as they are tied up with " holds ''. 

I tried to log into their website to register a complaint, but the website tells me my account " isn't accessible '' because I'm using an older browser ( my XXXX  updated just a few days ago. I'm on the latest build. ) For questions, they provided a number which I called. And it was the wrong number. 

In ALL of this Discover bank is claiming their maintenance was " unplanned '' ( weird how they announced an maintenance schedule ), and made it seem like all of this is just some unfortunate series of events over which Discover Bank ( owning all these systems ) has no control. 

100 % of my income comes from SSDI. Discover Bank is effectively limiting me from using funds provided me by the federal government for a living well below the poverty level. 

This is unacceptable on all levels.