davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
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XXXX XXXX XXXX XXXX is aware and has proof in the attachment labeled as XXXX XXXX  REGIONALAC Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) . 


The inaccurate reporting of both my account status and payment status by REGIONALAC Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

I had mistakenly enrolled in a payment plan in back in XXXX of 2024 where it's policy was to close the card. After realizing I called Wells Fargo immediately and they opened my account again. Their policy was that they could reopen it, if the request was done that day. 

A week later they closed the account without any notice and or reason. I called to report and they said that they would work on re-opening as it shouldn't have been done. 

A few more weeks went by and I called to get an update on status and had no luck. They kept quoting a 10 day business turn around, but at the end of every 10 day period had made no progress. I have been referred to multiple different teams and over 10 representatives who have all taken notes on the account and acknowledged that this should be reversed and fixed. 

Most recently I called and there was no update. I need this fixed as it is hurting my credit and something that was incorrectly done. It has now been nearly four months since this was first raised.
Consumer complaint received 2024-09-27
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION (WA)

My son has school loans through Sallie Mae that I am a co signer with. He didn't make his payments for a while. On XX/XX/XXXX we were able to catch up on the payments. However my credit report now has several late payments shown on it from the 7 loans that he has, but Sallie Mae was not supposed to report late fee 's until after XX/XX/XXXX. We were able to get the loan up to date before that XX/XX/XXXX date.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

XX/XX/year> was the date on the credit report and I never heard from these people. my father told me to check my credit for the school loan payment amount and this is when we noticed this collection. i sent request to show proof of my signature or other docs no response.
Consumer complaint received 2024-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I deposited certified funds into an employee account. The employee was told that the funds would not be credited. I went to the Wells Fargo branch that received the deposit and the manager provided no solution, no return of funds nothing. He told my employee this was my problem. How can Wells Fargo keep certified funds? How could this pass an audit?
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-08-02
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 (CA)

Canceled my gym membership in person at the beginning of XX/XX/XXXX. I was continues to be billed through XX/XX/XXXX for XXXX a month for XXXX  months after I canceled. I requested a refund from the gym. They refused. 

On XX/XX/XXXX I filed XXXX claims with Bank of America against the XXXX unauthorized charges. 

I was advised by XXXX at Bank of America I would receive temporary credit for the XXXX transactions on XX/XX/XXXX. I only received XXXX temporary credit of {$49.00} on XX/XX/XXXX. I called Bank of America on XX/XX/XXXX and was advised to call claims department during business hours. I called Bank of America on XX/XX/XXXX spoke to the claims department who told me I needed to call the fraud department to inquire about my temporary credit for the unauthorized charges. My claim has nothing to do with fraud. I called Bank of America customer service and spoke to XXXX ( consumer deposit supervisor XXXX ). She advised me to call claims department as they would be the only ones to answer my questions. 

On XX/XX/XXXX I called Bank of America claims and was given conflicting information I was told it takes XXXX business days and then was told it takes XXXX business days by the same claims agent. 

All through this process Bank of America has given me conflicting information regarding my temporary credit. 

I have filed previous claims and was given a temporary credit the following day. 

I have previously been the victim of fraud and Bank of America has refused to return my money that I was defrauded of. 

I want my temporary credit for the charges I did not authorized.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
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 XXXXXX/XX/year>
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MD)

I never gave these people my debit card. The debit card that they have is on my XXXX XXXX  I never ever ever ever when I say ever ever gave them that debit card cause I never gave anyone a debit card ever. Its no no I never give them that debit card so the fact that they somehow got it makes me feel like theyre scamming through my XXXX XXXX because what the freak and I never asked them to give me a membership. I never would want a {$25.00} membership and charge me {$26.00} Cause that did the XXXX they charge you XXXX something on it which is freaking illegal and these people if they do not fix this and never do this again will be sued and they need soon because I didnt remember and I think I know I wake up and {$26.00} out of my debit card That XXXX XXXX  so they got my card and Im at the police charges on them because I never gave them my card and Im so unsecure right now cause I dont know how this company can get somebodys card that was never entered on their site. I never even asked for membership never click anything. I looked at my my credit report lately to see what it was thats it and wan na ask me do I wan na remember I clearly no I do not but the before experience and they do this. This is what they do. They steal peoples money. They never gave them my card that XXXX them stealing jail.
Consumer complaint received 2024-08-02
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I bought concert tickets on XXXX in XX/XX/XXXX and the concert is on XX/XX/XXXX. 
XXXX said they will send me the ticket on XXXX and I saw the same ticket was still on the listing on other website. 
It seemed like fraud to me so I disputed the transaction but Bank of America denied. 
I received tickets on XX/XX/XXXX, but different tickets that it was supposed to be. Seating is completely different. 
I can't dispute anymore since it's been more than 60 days from the purchase. 
And XXXX insists it's " better '' seating than from listing, but I don't believe so. Really, this is not fair.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-04-03
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CASH AMERICA INTERNATIONAL, INC. (OH)

Could n't pay a loan company for a loan due to lost job, explained I was working part time, will begin payment around the XXXX week of XXXX in low installments, did n't give amount due to was n't sure of my paycheck and other priority bills. This was explained to representative who called, last week or the week before. I notice that they attempt a new draft for a different amount to my bank. I made myself clear to them that I had no other choice or money to pay them, they are causing more issues with my bank account which was to be closed and was n't by the bank themselves.
Consumer complaint received 2015-06-19
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CITIBANK, N.A. (IL)

Being harassed for other people 's debts even after I informed OneMain Financial that they are calling the wrong person. Asked them to remove my phone number from their computer several months ago and they are still calling me asking for someone else and saying they are trying to collect money owed. Giving me a run around about removing my phone number from their computer Robo dialer months after was told it was to be removed.
Consumer complaint received 2024-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (TX)

re : COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> Barclay did XXXX to resolve the issue ( Fact ) that they are lying. 
Barclay did NOTHING to resolve the BULLY tactics they are using. 
Barclay did NOTHING to resolve the issue ( Fact ) that the XXXX company had an issue of Possible Fraud with ( Barclay ) NOT with me. 
Yet again, another lie. 
Barclay did NOTHING to offer in compensation for the trouble THEY caused. 
How can this complaint be closed when NOTHING has been done?
Consumer complaint received 2015-05-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (FL)

My name is XXXX XXXX and I have a checking account with " XXXX ''. Also I have a really small business with XXXX ( fictions name XXXX Professional Services ). Customer gave me a check for services I provided to him and I posted it to my checking account. Check cleared and everything was fine until Monday XXXX/XXXX/XX/XX/2015. Chase reversed deposit saying I can not post checks with business name on it. 

Is there any limits of using " checking account ''?
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-01
Product: Credit reporting 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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

This morning XX/XX/24 I received an email from XXXX XXXX stating that there had been a change to my XXXX credit report. A lender reported that you opened a new account with them. Visit the alerts section of XXXX XXXX to review a recent change in your credit report. I checked the alert section, and it stated that my credit score had dropped. On XX/XX/24 a new account was opened with Bank of America according to XXXX. I also saw that on XX/XX/24 a new account was opened with Bank of America according to XXXX. I did not apply for a new account with Bank of America. I reached out to Bank of America ( XXXX ) and spoke with XXXX in the fraud department. I provided her with my name, address, phone number and XXXX address. She said she would file a claim and that I would receive confirmation via email and regular mail. I reached out to XXXX and requested a freeze and a fraud alert on their credit agency. I also contacted XXXX and requested a freeze on their credit agency. She told me to contact your agency so that I could get and FTC report and then mail a copy to XXXX so they could investigate the Bank of America application.
Consumer complaint received 2024-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MN)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

I'd like to reopen complaint case XXXX. 
This was recently closed. The response from the company and subsequent communication does not actually and correctly address the issue and questions i detailed in my complaint.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX