davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Fraud dispute filed with Bank of America on or around XX/XX/XXXX for a charge of {$670.00} on my Customized cash rewards XXXX. This charge labeled " XXXX XXXX " occurred on XX/XX/XXXX. This transaction was completely un-authorized and charged without my consent and knowledge. On XX/XX/XXXX Bank of America declined the dispute and reassessed the charges to my credit card bill without providing any evidence or reason as to why. Today XX/XX/XXXX I contacted the Fraud department to reopen the case and find out why they had not sent me any information regarding the decision. I also provided them with information and additional facts that should easily identify this fraudulent charge as fraudulent. Those facts are : 1. All XXXX transactions were supposed to be blocked on my account in the first place. This charge should have been blocked from the get go and never gone through. 2. Bank of America had originally flagged this charge as a fraudulent in the first place, but still let the charge occur. Bank of America and I both have the text messages sent to me from them marking the charge as fraudulent. I work in XXXX a majority of the time. Therefore, I don't receive any domestic calls or texts. It was when I arrived back in the US that I received the text messages and promptly reported the fraud. This was 3 weeks after the charge occurred, well within the time-frame allowed to report the fraud. 3. This transaction is well outside of my consumer spending habits. I have never spent over $ XXXX on the credit card. Usually for gasoline purchases as its a cash reward credit card. A {$670.00} charge is well outside of my spending habits, and should have immediately marked the charge as fraud. 
4. I was never sent any information on why this dispute was reversed.

Update : 5. On XX/XX/XXXX I did finally receive a letter from Bank of America explaining why they " did not approve my recent claim ''. The letter says : '' We made this decision because : After you submitted your claim, you later confirmed that the charge ( s ) were valid. '' This is completely false, I never once claimed the charges were valid. 
6. I spoke with an employee from Regulatory complaints operations on XX/XX/XXXX. She was very helpful. Although I never received her call extension, or information to contact her so I can provide additional information.
Consumer complaint received 2020-05-19
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. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (OH)

I noticed on my credit report that I have unauthorized accounts on my report. Pursuant to 15 usc 1681a3 they assu.ed this role without my permission or my consent. 

They did not have permissible purpose pursuant to 15 usc 1681b2. I did not instruct them to furnish the report and I never consented to it.

Pursuant to 15 usc 1681a4 they did not respect my right to privacy. They did not exercise their grave responsibility, were unfair & partial.
Consumer complaint received 2022-08-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

The mortgage loan is on my mothers name but deed is on my name. This mortgage was transferred from my name to my mother by a fraudulent mortgage broker who was indicted and sentenced by attorney general Massachusetts. Few months before my mother passed away last year, I have been negotiating a payoff from the PHH mortgage and they agreed to do a principal reduction payoff and gave me a {$450000.00} as a payoff from {$650000.00} principal balance. I am XXXX XXXX XXXX and tried to pay my mothers loan by doing a reverse mortgage. When I came to the closing I was informed that there was a lien on the property that needed to be removed. It took a month to get the lien off the property and in the meantime the {$450000.00} payoff expired and ever since last year XX/XX/2021 I have been asking them for an extension. They refused and wanted me to do an appraisal which I did. Now they want 90 % of the value of {$950000.00} as payoff instead of the principal balance. I have all the correspondence they sent me. At my age XXXX how can I get qualified for {$900000.00} payoff the existing mortgage. They are just playing games and more focused on foreclosing my property. Hope I can get some help and would be much appreciated. Thanks
Consumer complaint received 2023-06-08
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. (CT)

Over 30 days ago, I wrote to your company indicating my dispute of information in my credit report. As of todays date, Experian has not responded to my dispute and therefore must update these accounts in my credit file. Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of the disputed information within 30 days. I am requesting your assistance in the verification of the disputed data from my credit report. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY (AZ)

I am XXXX XXXX XXXX and I know that is my problem. I went to the XXXX XXXX Store to pay my card like I have every time I make any purchases from them. I use to get statements telling me what I owe, but the lady said they don't do that any more. So when I bought my cosmetics in XXXX, I need more fragrance and my face crme. {$230.00} I was going to pay cash but the girl told me I get a discount if I use my card. I know I had the Diamonds card because I always buy my cosmetics here, the lady looked up my information and up it on my now XXXX XXXX card. They changed names again. So, I go back to the store in XXXX with my son, XXXX XXXX XXXX, and while I am there I make a payment, lady says balance due is {$29.00} but I know I bought my cosmetics so I make the payment for {$40.00}. I go back in XXXX, daughter 's birthday, while I am there I asked the lady for my balance so I can pay it off. The tells me the balance is {$300.00}, I asked why it was so high and she said she could not tell. I'd have to check my statement. I asked how to do that and she said online. Okay, I have email, haven't received a statement from XXXX 's so I think, I'm old, maybe I missed it. I paid the balance of {$300.00}. In XXXX I get notice that my credit scored dropped because XXXX 's closed my credit card, I was 60 day late for a {$7.00} balance. My credit score went from XXXX to XXXX. This is a big problem. I still do not know how a {$230.00} purchase turns into {$300.00} + {$40.00} in two months time. And when you pay what they tell you, only to have to owe more. I can't guess my account balance. I tried to call them and the customer service people said the cards closed and that's, that. I disputed with the Credit Reports and they said XXXX XXXX is right. The information on my Credit report is not right. The have me paying in XX/XX/2020, nothing was open in XXXX of 2020 and I sure the XXXX wasn't out Shopping in the middle of the Pandemic. I may be old, but I know where my money goes. Can you help me?
Consumer complaint received 2019-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. I've contacted the FTC and the police. I'm doing this on my own behalf. These items listed are not mine and need to be deleted from my credit report. XXXX/XXXX,  XXXX, XXXX XXXX, XXXX/XXXX, Inquiries ; 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
Consumer complaint received 2022-08-03
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. (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 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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.

The letters are stated with items and issues.

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 A
ny 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 2022-08-08
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

1. This account has been settled and paid. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. The status is incorrect for the following account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

5. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account Number : XXXX Please remove it from my credit report. 

6. The Following Account Was A Charge-Of. Balance should be {$0.00}. 
XXXX XXXX Account NumberXXXX Please remove it from my credit report. 





* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Consumer complaint received 2022-08-08
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

1. This account has been settled and paid. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. The status is incorrect for the following account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

5. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account Number : XXXX Please remove it from my credit report. 

6. The Following Account Was A Charge-Of. Balance should be {$0.00}. 
XXXX XXXX Account NumberXXXX Please remove it from my credit report. 





* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Consumer complaint received 2020-05-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION PROFESSIONALS INC (Illinois) (IL)

I received a collection letter from Collection Professional , Inc sent on XX/XX/XXXX20 stating they are collecting for IL XXXX XXXX XXXX for {$1100.00}. I responded via mail onXX/XX/XXXX20 with a letter advising them of my dispute, as this bill is a result of a military on-duty injury. This injury was reported and paid as worker 's compensation. I mailed proof of that ( military documents ) along with my letter and contact information for my drill unit. On XX/XX/2020 I received another letter from Collection Professional , Inc attempting to collect on the same date with no regard to my letter sent to them. This time they included a copy of the bill from XXXX  XXXX XXXX XXXX. I replied via mail again on XX/XX/20 basically stating the same thing as I originally stated in my XX/XX/20 letter and requested that they stop collection practices and warned that I would report to XXXX  and Consumer Financial Protection Bureau if they continue collection. Today I am in receipt of yet another letter attempting to collect a debt, however, this one now shows interest added to the account ( {$1100.00} ). I wish for this company to cease collection practices and properly investigate this debt. In my third and final letter to them onXX/XX/20, I'm including contact information for my drill unit so that they can verify that this is a worker 's comp case and I'm not responsible for this debt. It appears that they are ignoring my request and continue to send the same attempt to collect letters. As military personnel, my credit report/rating is extremely important to me and an inaccurate date can jeopardize my employment and future career and financial related goals. I'm requesting that you contact them immediately ask them to cease collection attempts and remove this derogatory item from my credit report.
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (CA)

Two Visa prepaid debit cards were purchased for my personal use. Both cards were purchased at referenced location at the referenced incident start time. XXXX purchase, the cards remained unopened at my residence until XX/XX/2021 at or around XXXX PM. At or around the referenced incident end time, both cards had unauthorized purchases made on them for the amount of {$490.00}. The description / information of the charge is " XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ''. This indicates that the location of the charges were at : XXXX 's XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX The location is a supermarket/grocery store that sells among other things money orders and gift cards. The unauthorized charges were approved at the checkout point by Visa/the issuing bank. Each card had {$490.00} debited from the initial card account balance of {$500.00}, leaving the card account balance at {$0.00}. At or around XXXX on XX/XX/2021, the unauthorized charges were noticed by me and reported to the issuing bank for dispute. As of police report submission date, no response on the dispute is available. The issuing bank indicated that the XXXX fraudulent charges were made in- person, indicating that the magnetic stripe data of the XXXX cards was presented to the " XXXX XXXX '' merchant. 

I have already contacted Incomm on XX/XX/2021 and reported the fraud to them, but they have not updated my cases since they received my reports. 

Per the Electronic Fund Transfer Act, Section 205.11 ( c ), Incomm has a deadline of 20 days to provide at least a partial resolution, which has not been done. So they have missed the deadline. Ive emailed them repeatedly and received no further response. Ive tried calling them and they tell me there is no further updates.