davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

To whom it may concern : My entered a claim with BANK OF AMERICA for XXXX. Had to leave venue and not attend the concert due to XXXXXXXX XXXX XXXX in the building. My claim was denied despite that XXXX XXXX XXXX has a NO SMOKING POLICY and the arena was not able to accommodate me or party with other seating. BANK OF AMERICA denied the claim. I sent them the NO SMOKING POLICY and chat transcript with XXXX. 


Regarding Claim # XXXX I purchased tickets to the XXXX XXXX XXXX ( XXXX ) tickets. My XXXX XXXX XXXX XXXX of the person who attended the event, it was a surprise for a XXXX birthday. This is not my first time visiting XXXX XXXX XXXX, however this was my first time with this experience. Right after the show started, the lights went out a strong smell of XXXX took over the section. I reported to the usher, the usher witnessed the same odor ( XXXX XXXX moved my party to a section with obstructed view, which means limited to no view of the stage, I was upset. I called the box office and suggested and was told that I needed to go to guest relations, at guest relations I was told there was no other seats for us to be moved to. I explained that I paid {$500.00} for these tickets and its unfair that my child and myself is subjected to XXXX, when I dont even do drugs. I was told that because I purchased the insurance with the tickets I would get my money back. I called the insurance company to file a claim and the rep explained the insurance is used for if I missed the show due to illness, accident or death, not because smoking of XXXX was done inside of the venue. So there was no need to file the claim. XXXX XXXX has a no smoking policy. I asked how was allowed through security, no response. I left the show. When XXXX agreed to have an event at XXXX XXXX, XXXX agreed to abide by the policies, rules and regulations of XXXX XXXX XXXX. There is a clear policies and it states : Smoking Policy Smoking and vaping are prohibited at all XXXX XXXX XXXX events. 
There are no designated smoking areas at the facility. 
Guests leaving the facility will not be permitted to re-enter. 






Another dispute with BANK OF AMERICA ( XXXX ) On XX/XX/XXXX I filed XXXX seperated claims, because XXXX debited my account twice that day. One claim was approved ( XXXX ) amd the other denied ( XXXX ) I was not expecting any of the charges, the subscription was requested to be cancelled multiple times and the account was NEVER set up. Recvd an email stating I would not be charged because the account was NOT set up but I was charged XX/XX/XXXX {$230.00}. I submitted evidence to BANK OF AMERICA and again parital denial.
Consumer complaint received 2020-05-24
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$550.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on

XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am reque
sting this information to review for completeness and accuracy and  appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have asked for valadation on accounts that appear on my report and I have not heard back from the companies. I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are un verified according to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information that is innaccurate, incomplete, or which provide testimony and certification that you can not be verified. XXXX cards, XXXX XXXX Card, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, and, XXXXXXXX XXXX services. It is also my understanding that under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, INCOMPLETE, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely deleted. I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHT TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formated reporting standards according to regulations.
Consumer complaint received 2023-01-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Upstart Holdings, Inc. (TX)

I have been disputing this account with Upstart Network from my credit report for some time now. I have sent them a letter requesting validation of this debt and sufficient proof on how they gathered that this account belongs to me and have never received a response back. Here is the tracking XXXX XXXX XXXX XXXX XXXX. The tracking proves that they received my dispute but never responded. It is illegal for them to report inaccurate information let alone any accounts on a consumers report without providing valid proof that the account belongs to them. It is also illegal to ignore a dispute request per the consumer laws. I demand that this account is deleted from my credit reports now!
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Back in XXXX of XXXX, I received a noticed from Wells Fargo saying I did not pay my property taxes and did not have any home owners insurance. I clearly had the canceled tax check in my files, but they still tried to foreclose unless I paid them {$1000.00}. Paying them all that money, after I paid my taxes, put a huge strain on my finances. For several months I was always late on the electric, gas and water bills, causing the services to be turned off, because I couldnt pay them on time. Then Wells Fargo tried again to foreclose on me after I thought I made restitution with them by paying them the {$1000.00}. Once again they threatened to foreclose unless I paid them another {$1000.00}, and the same scenario started all over again. At the time all this was happening I hired a lawyer, please see all the attached correspondence between my lawyer and Wells Fargo. All of this continued till XXXX, when they finally stopped harassing me. 
Then mental and physical anguish I went through for 6 years put a strain on my marriage, my finances, and my health. I found this website called XXXX XXXX, on an article written by XXXX XXXX saying how Wells Fargo might owe you money, because it seems they did this to many other people. 

I have since sold this house, but I so afraid that if I purchase another house, if Wells Fargo becomes my mortgage holder, they will try do do what they did back then.
Consumer complaint received 2020-03-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Date : XX/XX/XXXX, XX/XX/XXXX And XX/XX/XXXX Amount : {$11000.00} Disputed account on credit report twice and asked for original signed consumer contract on file for the account along with the process that was used to verify information. I never received anything.
Consumer complaint received 2019-08-08
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 am writing to dispute a fraudulent charge on my account of {$11000.00}, {$21000.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$11000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$21000.00} -This is not my account.
Consumer complaint received 2020-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (AL)

Citi credit card I called when I had a XXXX XXXX fraud call message I held for a hour no answer I called again I had a letter sent saying they closed my account I have had my card locked I was told my payments were late and I'm not due til XX/XX/XXXX the letter came XX/XX/2020 I have been on the chat waiting and waiting way before this I've tried to dispute any charges I could see I have called today I talked to 4 people and have them tell me they can't reopen my account but r investigating the charged but didn't read me out everything I waited for each person 45 minutes to a hour then have a call back telling me about not being able to reopen my account when I've called waited sent chats locked my card my identity is in shambles and its unfair!
Consumer complaint received 2023-01-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp. (TN)

Received email stating I owed a debt to some company called XXXX XXXX XXXX XXXX that was past being sued for in court or reportable to credit reports. The email was from a group called TrueAccord address of XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX phone # ( XXXX ) XXXX. 
The email claims that I owe money and they will settle for a fraction of the original debt. 
Company is violating Fair Debt Collection Practices.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I HAVE CHALLEGED INACCURATE ITEMS MULTIPLE TIMES AND MULTIPLE TIMES SOLUTION HASNT BEEN RESOLVED PLEASE DELETE THE FROM CREDIT REPORT DUE TO INACCURATE INFORMATION. IF INFORMATION IS COMING FROM CREDIT FUNISHER IT IS NOT CORRECT ACROSS THE BUREAUS. PLEASE DELETE!
Consumer complaint received 2024-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear XXXXTransUnionXXXX, I am writing to formally demand the immediate removal of unauthorized credit inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), only inquiries that I explicitly authorized should be included in my credit file. 

I have identified the following inquiries as unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were made without my consent and are negatively affecting my credit profile. As such, they constitute a violation of the FCRA. I have already filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. 

I am requesting the following actions : 1. Provide verifiable evidence of my authorization for each of these inquiries, including signed documentation or proof of digital consent. 
2. Remove all unauthorized inquiries from my credit report immediately. 

Failure to resolve this issue promptly will leave me no choice but to escalate further by : Filing additional complaints with my states Attorney General. 
Pursuing legal action for damages resulting from these unauthorized inquiries. 

I expect a response and resolution to this matter within 7 days of this email. Please confirm in writing when the unauthorized inquiries have been removed or provide evidence supporting their validity. 

Attached to this email, you will find : A copy of my government-issued ID. 
Proof of address. 
A copy of my credit report with the disputed inquiries highlighted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act XXXX, this company has violated my rights. 
15 USC Section 1681 Section 602 states that I have the right to privacy.

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

15 USC 1666B states ; A creditor can not consider a payment late unless they have reasonable procedures to ensure that the periodic statement is mailed or delivered to the consumer at least 21 days before the due date. 

This company has failed to provide verification that l was late : XXXXXXXX XXXX  Line of Credit I was never late on this account. 

XXXX XXXX I was never late on this account. 

XXXX XXXX I was never late on this account. 
2 bureaus says I was on time and 1 is reporting inaccurate information which is fraud.
Consumer complaint received 2020-06-27
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: ERC (VA)

I submitted an investigation letter, specifically requesting certain creditors. My request was sent on XX/XX/2020. Around XX/XX/XXXX, I received a letter stating that XXXX refuses to do any further investigation unless provided with proof. The problem with this response is as follows : 1. The creditor ( s ) have not validated the veracity of the records. Obviously, thats why theres a inquiry. 2. The responsibility of this institution is to provide accurate records to third parties. Obviously, theres a gap in that directive. 3.  This institution is obligated by law to investigate, require proof from the creditor, that validates their record. There are gross disparities in this system. Not to mention discriminatory practices based on race, sex, and economic status.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

I had issues with banking fees after I told them it was fraud. They still charged me fees and I went to deposit funds and they closed the account without my knowledge. 

I told them I was having a refund from a transaction prior and they deposited in my Father 's Wells fargo bank account without my authorization.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Charged me overdraft fees and then kept charging me overdraft fees for every transaction that tries to go through, even though they weren't allowing the transaction to go through but they were still charging me overdraft fees. XXXX a month or more. Didnt even cover the transaction, yet still charging overdraft fees.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AR)

I cant remember the exact date but Wells Fargo closed my account Im guessing because I hadnt had a deposit go to the account due to information being wrong on my paperwork but before I could even fix the problem my account was closed and further more when I tried to go back and log on it would immediately log me out so it was nothing I could do to fix the problem.
Consumer complaint received 2024-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint to bring attention to TransUnion 's ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ). Despite my repeated disputes regarding the reporting of two inaccurate XXXX XXXX accounts, TransUnion has not taken corrective action. Each time, TransUnion merely verifies the accounts without any valid documentation or explanation of their verification process. This negligence clearly violates FCRA standards, specifically 15 U.S.C. 1681i ( a ) ( 1 ), ( a ) ( 5 ), and ( a ) ( 6 ), and constitutes a willful disregard of required verification procedures. 

In support of my request for compensation, I am attaching Invoice # 1, requesting {$1200.00} for damages related to these repeated FCRA violations under 15 U.S.C. 1681n. This invoice represents a minimum of {$100.00} per violation across six specific disputes, all submitted through the CFPB. 

Demand for Action : TransUnion must DELETE, XXXX, XXXX, and XXXX these two XXXX  XXXX accounts from my credit report immediately and issue full payment for the {$1200.00} invoice attached. Failure to comply will result in further legal action to enforce compliance with FCRA standards. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

on several occasions my account would be frozen due to fraudulent activity. i was never able to agree or deny the transactions online. 

had to call on 3 separate occasions to get my contact information updated & was told it could take up to a month but that the request was submitted ( never was ). never received my pin for my savings account card. due to contact information not being updated. was not able to access my money in my account for over two weeks at one point. would continuously let the same companys charge account
Consumer complaint received 2023-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC (MA)

{$1800.00} settled and paid for lesser amount back in XX/XX/XXXX it is now XXXX XXXX please have it removed Ive called the company already about this and they said it should be off by now but they have done nothing to Help speed up the process.
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I had a card with Capital One that was used fraudulently when I went through identity theft by a family member but now because of that fraud, police report and FTC identity theft report, Capital One banned me from applying or getting a new card/account with them for something I couldnt control ( fraud/identity theft )
Consumer complaint received 2021-01-09
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX  XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (AZ)

On, XX/XX/XXXX, the Wells Fargo 's Executive Office Case Specialist, XXXX XXXX, at ( XXXX ) XXXX, received my Telephone Call for Identity Confirmation as requested on XX/XX/XXXX, ( citing, in Case No : XXXX ). 

After verification, he assigned me a new case number and informed that the Case, now, is being assigned to a new case worker who shall contact me in two business days. Further, he confirmed my Address, including Email and Telephone Number, respectively, at-law. 

Shortly, after our meeting, I received an Acknowledgement Email from Wells Fargo Online by and through The XXXX XXXX XXXX XXXX ( XXXX  ) with a ten business days elongated to issue the Response. 

On, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX wrote an Email to me exactly depicting the same Identity Confirmation Letter by XXXX XXXX Whose Act and Conduct totally denied my Identity as verified to the New Case Number, ( citing, in, Case No : XXXX ) which she wrote an Email to me as stated above.