davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

THIS LETTERS COMMING FROM XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX CASE # XXXX AND CASE # XXXX XXXX MAJOR PROBLEM IS NO ONE SIGNED NONE OF THIS LETTERS OR EVEN PUT A NAME ON THEM AT ALL. 


OTHER CONCLUSIONS OF THE LIES AND FRAUD ON THE PART OF XXXX XXXX PERSONEL. THESE ARE RESPONSES FROM BANK LETTER RECEIVED ON XXXX THAT THE CLAIM WAS RE-EVALUTED PER MY REQUEST AND THE DECISION WAS MADE AND APPROVED THE CLAIM. HOWEVER THEY DID NOT APPROVED THE ( 3 ) WITHDRAWLS THAT WERE NOT MINE {$600.00} ON XXXX/XXXX/XXXX AND {$2100.00} ON XXXX/XXXX/XXXX AND {$1.00} ON SAME DAY OF XXXX/XXXX/XXXX THEY THEN SENT A LETTER RESPONSE XXXX/XXXX/XXXX STATING THE ACCOUNT WAS CLOSED ON XXXX/XXXX/XXXX AND WAS CLOSED BY THE BANK. NOW THEY ALSO STATE THAT THOSE WITHDRAWLS WERE MADE AT THE BANK AND THAT THE DRIVERS LICENSE WAS USED AS WELL AS A DEBIT CARD ENDING ON XXXX. 
1- I NEVER WHENT TO THE BANK AND DID THOSE WITHDRAWLS.

2- I NEVER HAD A XXXX DEBIT CARD. 
3- I NEVER USED MY DRIVERS LICENSE AS VERIFICATION OF ANY TYPE. 
4- HERE IS MY BEST ONE- I ALWAYS ONLY USE U.S. DEPARTMENT OF HOMELAND SECURITY IDS ( 2 ) HAVE MY PICTURES AND ID NUMBERS AND SIGNATURES BY THE COMMISIONER AND ME AS WELL AS APPROPIATE STAMPS 5- I WAS A XXXX XXXX FOR 28 YEARS.

6- WHAT HAD TAKEN PLACE WAS APPROPIATELY DONE BY ME WITHIN THE APPROPIATE TIME WHEN ALL THIS WAS FOUND OUT AND THE BANK WAS CONTACTED MULTIPLE TIMES.

7- THIS CLAIM WAS NEVER CLOSED BY XXXX XXXX AND ONE OF TH EMAIN REASONS IS THEY NEVER GAVE ME MY MONEY BACK TAKEN OUT OF MY ACCOUNT AND THE BANK NEVER TOOK A LOSS OF {$1800.00} AS YOU STATED ON THE LETTER DATED XXXX/XXXX/XXXX SINCE YOU WERE NEVER TO DEBIT THE ACCOUNT AND YOU CLOSED THE ACCOUNT BUT THIS IS REDICULOS THIS AMOUNT OF MONEY WAS TAKEN OUT OF MY ACCOUNT PERIOD THE BANK NEVER LOSS ANYTHING..
Consumer complaint received 2017-11-26
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CA)

I believe that my rights under the ECOA have been violated by Synchrony Bank. The bank put a freeze on my account because of their own negligence. The bank lost information that was required in opening of an account that I have had since XXXX. The information in question was my date of birth, which would have needed when the account was opened. 

The following is what transpired, although I 'm not exactly sure of the dates. Between XXXX XXXX and the XXXX, I attempted to register to use Synchrony Bank 's online application. After several failed attempts, I called the bank 's customer service number, explained my dilemma, and the agent looked at the account, and noted that my date of birth was missing. He commented on the fact that the account had been open since XXXX and then asked me to hold. He apparently went to speak with a supervisor, who informed him, to inform me that I would need to fax in a government ID reflecting my DOB. This seemed highly unreasonable to me given that the account was XXXX XXXX XXXX. Synchrony Bank lost the information and it seemed to me that this was simply an attempt to inconvenience me, as opposed to simply accepting the information over the phone. Again, the information was provided when the account was opened, as they would have needed to know that I was of legal age to enter into a contract. Unfortunately, irritation got the best me and I remarked " F @ # k You, '' and hung up. 

Fast forward to XXXX XXXX, I placed an order with XXXX XXXX for {$51.00}. I subsequently got notification from XXXX that the purchase on the card had been declined. As of today XXXX XXXX XXXX ) I have not received an Adverse Action Notice from the bank, nor have I received any correspondence from them informing me of the adverse action that was being taken against my account. 

It appears that this is a game on the part of the bank to force compliance on my part. However, the date of birth was provided when the account was opened, and they lost the information. Therefore, I see no reason to require me to expend an extra effort to get them information which they had, and lost. 

Thank you, XXXX XXXX
Consumer complaint received 2017-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I opened a new credit card with 12 months 0 % promotional rate on purchases. It would make sense that I should pay no interest through XX/XX/XXXX.  Unfortunately Capital One thinks differently. They said that the 12 months 0 % promotional rate expired in XX/XX/XXXX. Not sure how is that possible. They charged me {$180.00} in interest for one month. I talked to a manager at Capital One, his name is XXXX and he was located in XXXX, Manger ID XXXX. I asked him to resolve the issue and reverse the charge, but he completely refused to make it right.
Consumer complaint received 2017-11-26
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: CITIBANK, N.A. (CO)

Citibank has not resolved my issue with ( 2 ) {$1600.00} charges to my card. The charges were made on XXXX XXXX, 2017. Citibank has investigated the matter and has said that I am not responsible for the charges. Since then there have been ( 4 ) more debits and ( 5 ) credits in the amount of {$1600.00} each leaving me with ( 1 ) {$1600.00} charge that all parties agreed I did n't make. There are also charges of {$110.00} on XX/XX/XXXX and {$120.00} on XX/XX/XXXX both of which Citibank has not investigated. I first started communicating with Citibank on XX/XX/XXXX when I first noticed the charges. I have been calling their fraud department on about a weekly basis and finally sent a secured email where I got a response that my account was correct. I have since run a full account review of my card that I have had only since XX/XX/XXXX of 2017 and found that even with the incorrect charges on my account the balance Citibank says that I owe is incorrect. I have also found ( 1 ) instance where Citibank credited me an extra {$39.00} as part of a fraud charge. Right now my card balance and transaction history is a joke.
Consumer complaint received 2017-11-26
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. (AZ)

I am a victim of identity theft and have 3 fraudulent and unauthorized credit card accounts that arent mine, and dont belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX, {$12000.00}, XX/XX/2017, XXXX XXXX XXXX XXXX, {$380.00}, XX/XX/2017,  XXXX XXXX XXXX, {$3.00}, XX/XX/2017, the following hard inquiries arent mine and dont belong to me : XXXX XXXX XXXX, XXXX, XXXX Consumer Affairs. My 2 U.S. Senators from Arizona, XXXX XXXX XXXX and XXXX XXXX, is investigating this matter as well on my behalf. XXXX XXXX XXXX and XXXX XXXX sent me a letter informing me they considering calling Congressional/Senate Confirmation hearings for XXXX XXXX, XXXX XXXX, XXXX, XXXX and Trans Union Executives to appear before Congress to answer to my complaint and other constituents in their district who have similar issues/complaints as well.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-12-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Asset Management Outsourcing, Inc. (TN)

XXXX XXXX XXXX are not licenced in my state, TN. They didnt reach out to me regarding the debt ( meaning I did n't have a fair chance to contest the validity of the debt ), but it 's still on my credit report.
Consumer complaint received 2024-10-11
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. (NY)

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by Experian. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. XXXX XXXX XXXX XXXX After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : XXXX. Account Number : XXXX XXXX XXXX XXXX  o Experian : XXXX o XXXX : XXXX Inaccuracy Noted : Incomplete visibility in the screenshot prevents a full comparison of account numbers. 
XXXX. Balance : XXXX XXXX  : {$6900.00} o Experian : {$6900.00} XXXX XXXX XXXX XXXX XXXX High Credit / Credit Limit : XXXX XXXX  : High Credit : {$6700.00} ; Credit Limit : {$5700.00} o Experian : High Credit : {$6700.00} ; Credit Limit : {$5700.00} XXXX XXXX  XXXX XXXX XXXX. Past Due : XXXX XXXX : {$0.00} o Experian : {$0.00} XXXX XXXX : XXXX  XXXX. Payment Status : o All show as Collection/Charge off, which is consistent. 
XXXX. Last Reported : XXXX XXXX XXXX XXXX  o Experian : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. Comments : XXXX XXXX : Charged off as bad debt. Dispute resolved ; reported by grantor o Experian : Account was in dispute- now resolved - reported by subscriber. 
XXXX XXXX : Unpaid balance reported as a loss by the credit grantor. 
XXXX. Date Last Active & Date of Last Payment : XXXX XXXX : Last Active : XX/XX/XXXX ; Last Payment : XX/XX/XXXX o Experian : Last Active : XX/XX/XXXX ; Last Payment : XX/XX/XXXXXXXX XXXX XXXX  : XXXX Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ].

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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 2024-10-24
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America pre-paid charged my account for transactions that they had funded, placing my account in a negative status. When I was issued a credit it was absorbed by the negative balance. They then sent me a 1099-C for the amount of XXXX on XX/XX/year>. They reported it as " cancelation of debt '' Prepaid card uncollected debt. I spoke to a representative who did a great job looking into this, and found that {$350.00} of the {$3900.00} had been returned to my prepaid account thru a refund, so they are claiming the {$3900.00} As the amount " refunded '' instead of the {$350.00}. 

I believe this was a bank error due to the following : -Any refunded transactions would of been refunded to the original debited account, in this case Bank of america prepaid account ending in XXXX. 

-Prepaid cards are not credit cards therefore they do not accumulate debt. 

- I would like a refund for the amount XXXX that was taken back by bank of america, and the amount I am being taxes for.
Consumer complaint received 2017-11-12
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: Fidelity National Information Services, Inc. (FNIS) (IN)

XXXX XXXX WAS SEND CHAPTER XXXX BANKRUPTCY INFO. AND NOW MUST CANCEL DEBT AND REMOVE ALL NEGATIVE CREDIT REPORTING TO XXXX CHEXSYSYTEMS, XXXX ETC.
Consumer complaint received 2017-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

Despite my repeated attempts to resolve this problem, and despite XXXX in a secure message referring me to an email address called XXXX, XXXX continues to engage in this online blackmail with me. The problem remains the same - at some point in time after I log into my XXXX account, a window appears that freezes my online account capabilities, and gives me XXXX of XXXX choices : XXXX click on a button to confirm that my income is XXXX. Or click on a button to make corrections. After this window appears, I am no longer able to navigate to any other page. And I am no longer able to log out of my account. 

I have attached all my secure messages to XXXX regarding this matter. 
I have also attached emails I sent to the trteam. The trteam has yet to provide a human response to my emails. 

How many XXXX case ID numbers does it take to resolve this? The fact is, XXXX XXXX department created and continues this problem. And XXXX XXXX department has the capability to remove this problem. Assigning case ID numbers does not remove the problem. XXXX XXXX department intervening and removing what they put there in the first place will resolve this problem. Why their XXXX department will not do this I dont know. Only XXXX knows. And theyre not telling.
Consumer complaint received 2017-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

It has come to my attention that a debt that I do not owe is listed by a vendor who is not a subscriber to Equifax and the information being reported is an error. The inaccurate and unfair reporting is being done under the account # XXXX. XXXX and XXXX  have both removed this inaccuracy by Equifax continues to report erroneous information on my credit report by a non-subscriber who has not provided substantive data to back this misreporting. Immediately remove this item or provide a copy of the information that is being furnished to create this unfair and harmful error.
Consumer complaint received 2017-09-11
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. (CO)

Between mid XX/XX/XXXX and XX/XX/XXXX, Equifax experienced a data breach, and my financial information was, likely, divulged without my consent.
Consumer complaint received 2017-11-12
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: EQUIFAX, INC. (TX)

I sent XXXX a letter of dispute regarding XXXX public records XXXX XXXX XXXX XXXX. XXXX  and Equifax both reported that this information was furnished to them by XXXX, which is a third party vendor. I advised XXXX and Equifax that this is a direct violation of the Fair Credit Reporting Act. I sent a certified letter of dispute to XXXX on XXXX and they signed for the letter on XXXX. I have the actual letter attached to this as proof with no contact from XXXX and it has been more than 30 days. The Tax Liens are {$990.00} and {$1000.00}. I also made contact with Oklahoma XXXX XXXX and they verified that XXXX was never given this information by them. As a result of this, XXXX reported this information to XXXX and Equifax without the consent of the court.In return, this is inaccurate information and the process thereof.
Consumer complaint received 2017-11-12
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX 2016 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2017-11-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (MD)

Today at about at XXXX/XXXX/2017 at XXXX XXXX while looking at my transactions within my PayPal account a negative balanced of XXXX dollars and XXXX cents appeared after a refresh of the page that has no details associated with it. When I clicked on the details button regarding that mysterious negative balance of XXXX dollars and XXXX cents it takes me to a page to add money to cover the balance without any details explaining its appearance. I suspect fraud and negligence by the company. I contacted the company immediately for some clarity on the matter and waiting for there response.
Consumer complaint received 2017-11-25
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. (CA)

TO WHOM IT MAY CONCERN, I HAVE BEEN TRYING TO RESOLVE MANY ISSUES THAT ARE ERRONEOUSLY REPORTED ON MY CREDIT REPORT BY ALL 3 CREDIT REPORTING BUREAUS. I 'VE HAD THE COLLECTION AGENCY WHO DID THE ORIGINAL NEGATIVE REPORTING MAKE CONTACT THE 3 CREDIT REPORTING AGENCIES DIRECTLY, TO HAVE THE ITEMS REMOVED FROM MY ACCOUNT. WE HAVE TRIED DOING IT ON THE PHONE VIA CONFERENCE CALLS, AUD REPORTING WHICH WAS SENT FROM THE COLLECTION COMPANY TO THE 3 CREDIT BUREAS, AND VIA EMAIL. STILL THE 3 CREDIT BUREAUS WILL NOT UPDATE THE INFO. PLEASE HELP!!!!!
Consumer complaint received 2017-09-10
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. (PA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2024-10-11
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. (FL)

This has caused me sleepless nights as there are items on my credit report that are a result of fraud to which I have never benefitted from, negatively impacting my life due to these fraudulent activity. I have reported them to the Federal Trade Commission but they are not removed from my report.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I'm seeking your help to address the incorrect account reflected in my credit report. This concern has affected my personal reputation, and I need your cooperation in resolving it. The mishandling of my credit has devastated my reputation, and the inaccurate information must be removed immediately.