davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Approximately in XXXX XXXX, I had XXXX  while XXXX XXXXXXXX XXXX set up to go to this bank. I also deposited a check of significant amount at this location. After being XXXX in XXXX and opening a claim for XXXX compensation I completed documentation to have my monthly payments set up to be deposited into this bank. I withdrew {$4000.00} once approximately XXXX. Later, after I returned, to check the status of my funds, I was told by a bank representative that I had never had an account opened there. That same day, I was also told by a bank teller that I had an account there, but the name had been changed on it. Then I was told by the same bank representative that mentioned I never opened an account there that my wife closed my account, and it was now in her/my son 's name. This bank representative was obviously upset that I had been informed by a bank teller that I had in fact opened an account. I provided her with the XXXX XXXX XXXX XXXXXXXX showing her the bank account number and XXXX, then she finally agreed that I did have an account there, but it had been closed and reopened by my wife in someone else 's ( my son 's ) name. After attempting to further resolve this issue, I was met with hostility and almost threatened that I was attempting to access someone else 's account. I was refused any assistance to meet with another representative.
Consumer complaint received 2022-06-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

During the XXXX week of XXXX, XXXX, I submitted an application for a HELOC loan with the Bank of America Branch in XXXX XXXX. I had an initial call with XXXX XXXX XXXX ( XXXX ). I had clearly mentioned to her the current active mortgages I had on my credit, as well as this HELOC application being applied on my Primary Home. She said that she does not have any concerns about it, and started processing the application. All supporting documentation from my end for my entire portfolio was provided to BoA within the first few days via their case portal. Every week would pass by, with no progress on the file, stating that they are overwhelmed with applications. Another BoA employee, XXXX XXXX ( XXXX ) apparently was in charge of the file, and updates from her happened only when I reached out to her, once a week, until she finally quit BoA, and left my heloc file hanging in there. After they had no progress on my file for over two months, I reached out again for an update, and XXXX XXXX tells me that they are unable move forward with my file due to DTI and something about unable to process the heloc on my primary home. I was not given an opportunity to provide any additional supporting documentation for DTI, or was provided exact details on what my DTI was, per their calculation, even when asked. They just closed the file on me without further explanation. This is just unacceptable where they were stringing me along for over 2 months. Her boss, XXXX XXXX did not respond to my queries either. XXXX XXXX number : XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account Name- XXXX  XXXX Account XXXX,
Consumer complaint received 2022-07-10
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: Experian Information Solutions Inc. (TX)

I sent this letter XX/XX/XXXX, to all the 3 Major Credit Bureaus for investigation on inaccurate data on my credit report. I pointed all the incorrect information from Date of Last Activity, High Balance amount, last payment date etc. all different from each credit bureau. This is impacting me greatly because it is keeping me from making major purchases because of the inaccurate information on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX/ Acct # XXXX ) on the date of the last activity section. XXXX is reporting a date of last activity XXXX, Experian is reporting a date of last activity XXXX and XXXX is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. 
XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Unsecured loan Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$4900.00} {$4900.00} {$4900.00} No. of Months ( terms ) : 60 60 60 High Credit : {$6000.00} {$6000.00} {$4900.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$4900.00} {$4900.00} {$4900.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. Charged off account Unsecured Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent this letter XX/XX/XXXX, to all the 3 Major Credit Bureaus for investigation on inaccurate data on my credit report. I pointed all the incorrect information from Date of Last Activity, High Balance amount, last payment date etc. all different from each credit bureau. This is impacting me greatly because it is keeping me from making major purchases because of the inaccurate information on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX/ Acct # XXXX ) on the date of the last activity section. Transunion is reporting a date of last activity XXXX, XXXX is reporting a date of last activity XXXX and XXXX is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. 
XXXX  XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Unsecured loan Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$4900.00} {$4900.00} {$4900.00} No. of Months ( terms ) : 60 60 60 High Credit : {$6000.00} {$6000.00} {$4900.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$4900.00} {$4900.00} {$4900.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the XXXX XXXX. Charged off account Unsecured Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-29
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: Westcreek Financial (SC)

Ive reached out to this company several of times via mail, to explain that I have no acknowledgment of this item, which is inaccurately reporting on my credit file. This item has caused great damage to my career and financial ability. As Ive had several issues with obtaining financial assistance because of this inaccurate negative item. I will be seeking legal assistance for pain and suffering in regards to this item.
Consumer complaint received 2022-07-10
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: Experian Information Solutions Inc. (AK)

I opened a secured credit card in XXXX with XXXX XXXX for XXXX XXXX dollars the following year in XXXX I closed this card with a branch loan officer on XXXX XXXX in XXXX Alaska They list the account as XXXX on the file with Experian and XXXX and XXXX show a different number. I have disputed this for three years I closed the account in good standing with a XXXX  balance and they continue to show as a charge off with a balance of XXXX. I have sent letters documentation letter from loan officer who closed the account stating as I did in good standing and yet the Agencies ( credit reporting ) fail to correct this. 
This needs to be removed completely as this is not only false but severly damaging personally.
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

My minor son was a victim of Identity theft. On XX/XX/2021 my son was trying to login to he online banking and was not successful. I informed my son to contact Wells Fargo Bank to see why he is not getting through and to also make the transfer from his savings to checking account. When my son provided the username, he was told they ca not locate it. Then we was informed that the accounts were overdrawn. We asked how is that possible when we don't really use the account. The last activities that took place was in XXXX. Again, wee was informed that 2 fraudulent checks were deposited to 2 different ATMS on the same day at different locations. The also access his online account and did multiple transfer between the account in the amount of {$400.00} and withdrawals at ATMS. THE DEBIT CARD IS IN MY SON 'S NAME AND I HAD POSSESSION DURING THE TIME FRAME AND STILL WHILE I AM TYPING THIS. I filed a verbal claim and was denied. The few claims I filed was denied. I have proof where me and my son was located during these times. I was also told by an employee in the evaluation department XXXX, on XX/XX/2021, that they were multiple attempts where the pin number failed and inquires of approximately XXXX or more times within two days at ATMS. The fraudulent activities took place at ATMS also online. I am requesting my sons {$680.00} that he had in his account and also to clear his name of those fraudulent check. When I went into a Wells Fargo Branch in XXXX FL ON XXXX XXXX. I was given a copy of 1 of the fraudulent check. This can take 2 years and I will not stop until WELLS FARGO BANK FIX THIS ISSUE EVEN IF LEGAL ACTIONS HAVE TO BE TAKEN. For the MONTH OF XX/XX/2021, ME AND MY SON DID NOT PERFORM ANY TRANSACTIONS OR AUTHORIZED ANYONE TO.
Consumer complaint received 2022-01-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

I got loans in XXXX through Sallie Mae XXXX I graduated XXXX in XXXX with a BA degree. Navient acquired the loans in XXXX. In XXXX the loan balance was $ XXXX. I've made payments as best I can for 20+ years. I've paid $ XXXX over the life of these loans and the balance today is STILL $ XXXX. I have tried to negotiate a payoff amount or designate more of my payments to go to the Principal instead of Interest so I could lower the Principal amount ( and therefore interest ). The only thing Navitent is willing to do is multiple forbearances or income based repayment.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (FL)

This account is inaccurately and erroneously reported. I want to request for an investigation of this account. ( AM HONDA FIN XXXX Opened date : XX/XX/XXXX Balance {$5700.00} ) The late history shouldn't be showing days late ( XX/XX/XXXX ) because I believe I paid on time. Please adjust the late payments from this account.
Consumer complaint received 2022-06-15
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 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 XXXX has me at a score around XXXX. 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 XXXX i made this clear for XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX 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 XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank promised {$200.00} welcome bonus after I opened a new business checking account over the phone and deposited {$3000.00} in new money. I followed all the terms and conditions and the {$200.00} bonus was supposed to be deposited within 60 days. After 77 days, I still did not receive the bonus. I called in 2 times with phone calls of 41 and 45 minutes. At first they said i did not qualify, Because it was a transfer and not new money. This is not true. It was a check deposited from another bank. They they said it appears that I qualify and the bonus was not applied due to an error and they finally agreed to submit an inquiry and told me to wait another 60 days. 

Account Opened : XX/XX/XXXX {$3000.00} deposited : XX/XX/XXXX XXXX Bank of America : XX/XX/XXXX ( 1.5 hours on the phone )
Consumer complaint received 2022-12-31
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-14
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: CITIZENS FINANCIAL GROUP, INC. (DE)

Citizens credit card corporate office in XXXX RI I ordered a stationary bike for {$120.00} from XXXX on XX/XX/XXXX ; i decided to cancel the order on the above mentioned on XX/XX/XXXX I was charged on my citizen credit card {$120.00} on XX/XX/XXXX, was credited for cancelled purchase. 
Then on XX/XX/XXXX was billed again for same item stationary bike {$120.00}, issued a credit once i called on XX/XX/XXXX. 
Then again on XX/XX/XXXX billed again on my credit card {$120.00} I filed disputes with Citizen credit card regarding this constantly being billed for this above mentioned item, that i cancelled and NEVER received! 
Dispute dates : XX/XX/XXXX XXXX # XXXX claim number XX/XX/XXXX XXXX # XXXX claim number XX/XX/XXXX XXXX # XXXX claim number XXXX # XXXX NO ONE ever gets back to me by mail, email or phone regarding this issue, and now they have charged me interest on this erroneous charge! 

I have a very good credit score, and pay all my bills in full every month. 

Please help correct this incorrect charge of {$120.00} plus the {$10.00} interest on this incorrect charge. ASAP Thank you XXXX XXXX XXXX ... XXXX XXXX XXXX ... .XXXX, delaware XXXX
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (OR)

I have been timed out of being able to upload copies of my drivers license and bank statement to Identify myself, years ago I sent copies to XXXX with no results, and I am VERY reluctant to mail my info as identity thieves steal mail looking for just these items. The time out business is bunk because I had to re-enter the same info on three different screens before submission, and then its timed out? 
Ive lived in the same place for nearly a decade, I have had bank accounts for two years, my identity should not be that hard to determine, nor should it Have to be mailed as uploaded files are more secure and expedient than mail-and ANYONE but me has access to my credit reportso they apparently have my correct info how can I not be identified?
Consumer complaint received 2022-06-15
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. (CA)

INNACCURACIES ON MY CONSUMER REPORT DELETE IMMEDIATELY. 



XXXX ACCT # XXXX STATUS CLOSED, BALANCE XXXX XXXX OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) CURRENT PAST DUE ( XXXX ) ( XXXX ). 

XXXX ACCT # XXXX STAUS CLOSED, BALANCE XXXX XXXX OPEN DATE ( INACCURATE ) ( XX/XX/XXXX ) ( INACCURATE ) CLOSED DATE NONE ( INACCURATE ) LAST REPORTED ( XX/XX/XXXX ) CURRENT PASS DUE ( XXXX ) ( XXXX ). 

XXXX ACCT # XXXX STATUS CLOSED, XXXX XXXX ( INACCURATE ) OPEN DATE ( XX/XX/XXXX ) ( INACCURATE ) CLOSED NONE ) ( INACCURATE ) LAST REPORTED XX/XX/XXXX ) XXXX XXXX XXXX ACCT # XXXX, STATUS CLOSED, BALANCE XXXX, OPEN DATE ( XX/XX/XXXX ) CLOSED NONE, LAST REPORTED ( XX/XX/XXXX ) ( EQUIFAX ) XXXX XXXX  XXXX  ACCT # XXXX STATUS CLOSED, BALANCE XXXX, OPEN DATE ( XX/XX/XXXX ) ( INACCURATE ) CLOSED DATE NONE, ( INACCURATE ) LAST REPORTED ( XX/XX/XXXX ). ( XXXX ). 

XXXX XXXX XXXX ACCT # XXXX, STATUS CLOSED, BALANCE XXXX, OPEN DATE ( INACCURATE ) ( XX/XX/XXXX ), ( INACCURATE ) CLOSED DATE ( XX/XX/XXXX ) ( INACCURATE ) LAST REPORTED ( XX/XX/XXXX ).
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I called Capitol One 2 times previously about this same issue. It appears that Capitol One is trying to draft payments from a frozen Capitol One " Free Checking Account, which is no longer active ''. The account it is not the bank account listed for credit card payments. Apparently I do not have a choice of bank accounts used to make payments automatically debited for credit card payments. I do not expect to see {$35.00} charges for an issue which remains the subject of my stress. I do not want my credit affected by an ongoing issue with Capitol One. I received another email telling me that my payment was unsuccessful. I then go to my bank account and to my surprise no payment was taken. I go into the Capitol One Dashboard and just as I suspected, " even after 2 calls to customer service '', the issue has not been resolved. I want Capitol One to remove the inactive checking account ( and saving accounts ), return the {$35.00} fee, and utilize the correct bank account for all upcoming payments. Upon checking the XXXX XXXX  account is clearly listed on the account as the payment account. I did not elect Capitol One Checking as the payment account and if I didn't know better, I would suspect Capitol One is trying to fee gouge.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

On XX/XX/XXXX, I applied for a mortgage loan with a major bank. I authorized them to pull my credit reports. I was told by the bank that my mortgage is not on my credit report. I explained to the bank that in XXXX of XXXX that my mortgage was sold to a new mortgage company which I was well aware of because my mortgage is current because I have been making all my payments on time to my previous and my current mortgage companies. I called my mortgage company and spoke with a customer Rep and explained my situation. The Rep stated there was no reason for my mortgage not being on my credit report. 
She stated she would open a claim, but that could take 30-60 days. I told her that was unacceptable due to the fact that I had just lost out on a home I was trying to purchase and I took a Hard Hit on my credit report which will happen again when I reapply once this is corrected. She stated that's the best she could do. I asked for a claim number, but she said she didn't have one. I work really hard at keeping my credit in good standing, but then I get penalized for someone else 's error.