davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

My Wells Fargo account was hacked and money was taken without my consent on 3 different occasions. The amount totaled {$1900.00} and was transfered through the money app XXXX. 
I alerted my bank after the first transfer and they changed my card but it did not work. 
I then had two more charges that had no information attached. 
I submitted a complaint on XX/XX/20, XX/XX/20 and called multiple times without answers for help. 
I contacted XXXX and was sent to go to my bank. 
The investigation said that I had allowed this transaction and that was false. 
I have not been able to speak with someone for help and have to send in an appeal. 
Wells Fargo and XXXX took no responsibility and no notification of my bank account being drained.
Consumer complaint received 2020-11-05
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. (AR)

I have filed a dispute with all 3 credit bureaus asking XXXX XXXX XXXX to update my credit report to show that I paid on time between the months of XXXX and XX/XX/2020. They have all come back with a status of my account and credit report being updated. However, my credit report still shows that no data was received during those months, it appears that I was in deferment that long and I was not. I never agreed to a deferment, only a 2 month payment extension for the months of XXXX and XXXX, right around the time COVID-19 hit. I have reached out to the company as well and was unable to speak directly with the credit department. I feel like this was done intentionally to increase the number of customers that appeared to be on deferment during the pandemic for federal financial gain or assistance programs related to the businesses impacted by COVID-19.
Consumer complaint received 2021-01-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America had easily offered to defer 3 months of my mortgage payment ( XXXX, XXXX and XXXX - each month for {$1900.00} ). This was all an easy transition, adding 3 monthly payments to the existing loan, due to COVID pandemic. Starting XXXX payments continued to be made on a regular basis. XX/XX/XXXX we initiated a refinance on the property, and the payoff amount was requested. The payoff amount in a letter dated XXXX XXXX, XXXX, now also included an additional {$7800.00} in interest deferral, escrow deferral and other deferred amount. The latter " other deferred amount '' could not be explained, nor can I find what that may be. I'd like to ask for further clarification as to why my total deferral amount, with interest and escrow included, is {$5900.00}. Yet the amount now includes also {$2000.00} additional. 
I have tried to obtain clarification, but am not able to get any clear explanation what is included. I am hoping that by this means, accurate information can be provided. Thank you!
Consumer complaint received 2022-07-12
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: Experian Information Solutions Inc. (IL)

i have multiple inquiries on my report that i do not recognize credit XXXXXXXX bank XXXX XXXX XXXXXXXX bank XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-27
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. (MD)

On XXXX, XXXXXXXX XXXX I asked Equifax to investigate the below listed accounts for accuracies. On XXXX, XXXX. XXXX Equifax responded back to me and stated that the below named accounts were properly INVESTIGATED and VERIFIED but how is this possible when I found several inaccuracies, This is grounds for removal. 

XXXX XXXX XXXX # XXXX Account type. inaccurate Monthly payment. Inaccurate Date opened. Inaccurate Payment status. Inaccurate Last reported. Inaccurate Date of last activity. Inaccurate Date of last payment. Inaccurate XXXXXXXX XXXX XXXX # XXXX Payment status. Inaccurate Date last reported. Inaccurate Date of last activity. Inaccurate Date of last payment. Inaccurate XXXX XXXXXXXX XXXX # XXXX Account status. Inaccurate Payment status. Inaccurate Last reported. Inaccurate Date of last activity. Inaccurate Date of last payment. Inaccurate 15 U.S. CODE 1681 section 604a 2 also applies here. 

I have attached a copy of my most current credit report dated ( XX/XX/2022 ) as proof
Consumer complaint received 2021-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I recent asked for forgivnes on the following Issue. I made 4 late payments based off of financial hardships, banking errors and medical problems. I have good utilization on the card and pay amounts in full. I have been a good customer, I have two cards and recently opened up a checking account under your provider. I am asking for forgiveness on these late payments as I am trying to repair my credit and provide a better future for my family.
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : XXXX, Bank XXXX XXXX : XXXX, XXXX  XXXX : XXXX, XXXX  XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX Michigan 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. 

XXXX5 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 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Thaxton Investment Corporation (SC)

someone open a loan in my name do to fraud i never had a loan with quick credit there are several accounts in my name an none of them belongs to me XXXX XXXX
Consumer complaint received 2020-11-19
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. (PA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 50 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days, so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-19
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. (CA)

I have disputed the listed inquiries on several occasions, recently back in XXXX of 2020. I have not opened any such accounts with the listed inquiries. Please review and dispute on my behalf, thanks.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have adjusted my identity theft report because the identified items still remain. According to US Code 1681c-2, consumer reporting agencies have 4 business days in order to block the reporting of any item identified as resulting from identity theft. This is not being done on the basis of material misrepresentation of fact. Equifax has far exceeded this timeline.
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX, Equifax, and XXXX have no regards or cares for the inaccurate information they are reporting to my credit. The customer service is rude, incompetent and neglectful. I have asked for evidence they have quote received from data furnishers regarding inaccurate information on my report multiple times and they have been unable to do that. There is a combination of innacurate/not updated information on my reports as well as problems with fraudulent accounts. There's also an account on my credit involved with litigation that should not be reporting on my reports. I want the information uopdated immediately before I have to sue these fraudulent companys for violating the law.
Consumer complaint received 2020-11-19
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. (NY)

I never had such an experience in my life. I never had a timeshare I was threatened to pay or my credit would be ruined. I dont own a timeshare. Can someone just ruin your life and make you pay for it? Please delete now. 

XXXX. I have no idea where this came come I was told it would be deleted. Its still on my report. Its not mines XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : This account is not mine I never had a time share this is illegal. Please delete this now. I dont understand how this happened. Is it because I am XXXX? 
XXXXXXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : This account is not mine i never had this card I was told it was a authorized user. You
Consumer complaint received 2023-06-11
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PLATINUM HOME MORTGAGE CORPORATION (DC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-11-05
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: JPMORGAN CHASE & CO. (IN)

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Consumer complaint received 2020-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc (AR)

Professional Credit Management continues to violate the Fair Debt Collection Practice Act by continuing collection efforts after being notified this debt never belonged to me and attempting to collect on Medical Debt in the state of Arkansas after the statue of limitations has expired per ( A.C. A. $ 16-56-106 ) Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ). These actions are clearly a violation of my consumer rights and Professional Credit Management must be held liable for their actions. This debt was opened as of XXXX or XXXX depending on which consumer reporting agency you are reviewing which is inaccurate information.
Consumer complaint received 2022-11-30
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE (FL)

My father was a longtime Huntington Bank customer. He XXXX XXXX XXXX XXXX and leaves behind an account at Huntington Bank, of which I believe I am the XXXX. 


I have been trying, without success, to get information on how a designated beneficiary can claim those funds. So far, my experience in dealing with Huntington Bank employees has been, without exception, frustrating and unproductive. On XX/XX/2022, I called Huntington 's XXXXXXXX XXXX  XXXX XXXXXXXXXXXX XXXX and was told that they could not assist with XXXX inquiries at the branch level and I was instructed to contact Customer Service. 


I then spent XXXX XXXX on the line with an XXXX  customer service representative who verified my name, the account number, and account holders Social Security number but otherwise offered no useful information. Our conversation was characterized by multiple intermittent silent pauses of XXXX XXXX during which she might presumably be entering information and checking on the account. But I heard her cellphone dinging loudly through the phone the entire time, so I believe she was distracted with personal matters rather than focusing on my inquiry. Eventually, I asked to be transferred to a manager and was promptly disconnected. That appears to be a common phenomenon with Huntington Customer Service according to XXXX XXXX XXXX logs, and those disconnects are often perceived as intentional.

I called Huntington Customer Service again and spoke with a representative who did not seem to know what a XXXX was. So again, I requested to speak with a manager. I was then transferred to a manager named XXXX, who was polite but also unhelpful. XXXX first indicated that there were no XXXX listed on the account. I asked again, and she conceded that there could be XXXX  listed but she could not see them, and I would need to speak with someone at the branch office. She proceeded to connect me to a different branch office - one on XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX- but that office was not answering their phone. I left a detailed voicemail message requesting a callback but have still not received one. I called again on XXXX separate occasions over the next XXXX XXXX but still no answer. 


I live in XXXXXXXX XXXX, so jumping on a plane to visit a Huntington Branch office in XXXX without confirmation that I am a XXXX, instructions on how to claim the funds, or information on what documents may be needed is impractical. While employee incompetence and poor customer service remain possible explanations, I strongly suspect Huntington Bank is dealing in bad faith deliberately making it difficult or nearly impossible for XXXX to claim funds. 


Thank you in advance for your assistance in resolving this matter.
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (MA)

Paypal had a failure in thier software and sent my money to the wrong recipient {$130.00} on XX/XX/31 was sent to the incorrect XXXX XXXX even though I selected the correct contact that is saved in my Paypal contacts. The XXXX XXXX who received this payment isnt someone I know and I have never sent money to the email address attached to the account it went to
Consumer complaint received 2020-11-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, I submitted an online dispute with Experian Credit Bureau regarding a credit card account from XXXX XXXX XXXX XXXX XXXX of North Carolina ( XXXX ). The account was discharged on XX/XX/XXXX through Chapter XXXX Bankruptcy ( the petition date for the Bankruptcy proceeding was XX/XX/XXXX ). 

Recently, XXXX, inaccurately reported this discharged credit card account as discharged in XX/XX/XXXX. The evidence and facts from the XXXX District of North Carolina Federal Bankruptcy Court prove otherwise. I contacted my Bankruptcy attorney. He informed me that XXXX has been similar actions in the last month. His advice was to seek consumer debt attorney to possibly sue under violations of the Fair Credit Reporting Act as well as potential violations of the bankruptcy discharge. 

For once, I would like XXXX to get their act together and comply with the Fair Credit Reporting Act and stop misreporting information to XXXX and the other credit bureaus.
Consumer complaint received 2021-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas) (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. I didn't authorize this company to have my information nor, did I authorize this account. This account was placed on my credit from a fraudulent account that I didn't authorize and I demand that it's removed.
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

I have a Mastercard credit card with Citibank. I took advantage of a balance transfer offer on XX/XX/XXXX for a very low interest rate. Since that balance transfer offer, I have also used the card to make purchases. Each month, I pay down the balance transfer balance ( substantially more than the minimum amount required and also pay off the entire balance of my new purchases no later than the due date. Citibank continues to charge me interest on the new purchases each month, again, even though I pay off that balance in full by the monthly due date. On XX/XX/XXXX, I had an instant chat with a customer representative in Citibank. I pointed out the problem, and asked them to review all interest charges on the purchases beginning with the iniital balance transfer on XX/XX/XXXX. They stated they would do it and cxl the interest charges. Furthermore, the representative stated that this interest chargin methodology should not be occurring. My XXXX statement for the period of XX/XX/XXXX through XX/XX/XXXX reflected a reversal of {$2.00}, the interest charged on my previous statement. MY latest statement as of XX/XX/XXXX again charged new interest on the pruchases of {$8.00} even though the purchase balance was paid off by th due date. Today, XX/XX/XXXX, a Citibank agent said that this double tiering of interest rates is how th system works, which was inconsistant with the previous chat with another agent. Can Citibank legally do this??
Consumer complaint received 2021-01-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2020-11-05
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: EQUIFAX, INC. (AL)

On XX/XX/2020, a sales person contacted me from XXXX XXXX advised that I was able to trade my vehicle in with no down payment with this program that they have because I had my vehicle for over a year and was making good payments. I advised that I was not trying to have my credit pulled was in the purpose of trying to purchase a home. The promise and guarantee me that only XXXX would pull my credit, and that not the case server lenders pulled my credit without my permission.