davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

From : XXXX XXXX To : CFPB Date : XX/XX/2022 Issue of My Compliant- I went ot Bank of America branch on XXXX XXXXXXXX XXXX XXXX from XXXX  store to make a deposit of several checks and withdraw {$200.00} on XX/XX/XXXX. 
Shortly afterwards, I noticed that the Bank made an additional debt or withdraw of {$200.00} in my account on the same date. I have not made such additional withdraw. 
I have brought this matter to the attention fo XXXX XXXX XXXX, Relationship Banker at the Branch on XX/XX/2022. At first, the bank thought it might be a scanner error and told me it could be fixed by XX/XX/XXXX, the next Tuesday. What might have complicated the issue is that somehow the bank could not find the {$990.00} check I deposited initially, hence deducted that amount from the transcation. Thus I went to the other bank where this check was issued and stopped the check. The Bank subsequently found the check and returned it as I already stopped it. 
But the net result is I lost {$200.00} as a result. It seems to me that I should not suffer a loss of {$200.00} by simply deposit a few checks and withdraw {$200.00}, a very simple and routine bank operation. Since it's almost two months now and the issue has still not yet been resolved, so I decide to file a complaint with Federal Reserve, XXXX XXXX, which supervises Bank Operation for consumers. Thank you for your help on this matter. 

1. From my deposit statement on XX/XX/2022, with net deposit of {$860.00} plus a cash withdrawal of {$200.00} already included. ( A copy of a letter from Bank of America is attached with a photo copy of the deposit slip. ) 2. From attached file of my bank of america checking account ( ending XXXX ) XX/XX/2022 statement, page 2, there is an entry of {$860.00} deposit and also another {$200.00} debit, both on XX/XX/XXXX, which is incorrect, as the {$200.00} withdrawl is already included in the transcation involved in the {$860.00} deposit. ( My XXXX bank statement is attached. ) 3. I have brought this error to the attention of XXXX XXXX XXXX of the local branch ( XXXX XXXX XXXX across from XXXX  store ). In spite great effort by XXXX XXXX to resolve this issue, so far it is still not resolved. 

4. I also tried to see if I can reach online to file a compliant with Bank of America, but only get the following as response. " We did not find any transcation eligible to disputes. ''
Consumer complaint received 2024-10-08
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. (NC)

In accordance with the fair credit reporting at the list of accounts, below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. Accounts in question : XXXX XXXX XXXX # XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX ; Some accounts have inconsistencies. section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnishing an account without my written instructions. 15 USC 1681 C ( a ) ( 5 ) section states No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of conviction or crimes which antedates the report by more than seven years. 15 USC 1681 s-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 an accurate
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MO)

I made a cash deposit on XX/XX/30 and the ATM went out of service during the deposit. The machine kicked my card back out but not my {$120.00}. I immediately filed a claim with their customer service and have heard nothing yet. There is no reason for it to take this long. I called customer service again on XXXX and after waiting in the queue for 30 min. they could tell me nothing but in process then transferred me to the claims department who never answered my call. I sent the same information as above to their XXXX XXXX and they responded with the following : Hi XXXX, thank you for reaching out. We're sorry to see the ATM malfunctioned and did not deposit your funds like anticipated. Our ATM dispute claims can take 10 business days to complete from the time of filing. For more information about the claims process please contact our 24 Hour Customer Service team at XXXX. Kindly, XXXX You can't tell me that they don't balance the ATM 's daily. Again, there is no reason for it to take this long to credit my account with my {$120.00}. I want my money now!!!
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account # XXXX, has violated my rights. 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. Furthermore, XXXX XXXX has reported to the credit agencies conflicting information stating under the Additional Information Section of my credit report that " Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$4500.00} ; '' however, they also are reporting that my balance is {$23000.00} of XX/XX/XXXX. I am confident that you will find the attachment as self evident of these facts. 

FURTHERMORE, UPON A FULL INVESTIGATION XXXX AGREED WITH MY COMPLAINT ON XX/XX/XXXX AND PROVIDED THE FOLLOWING RESPONSE ( SEE ATTACHMENT ) AND REMOVED XXXX XXXX FROM MY CREDIT REPORT. 
" Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. 
XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX  XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX. With XXXX, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. ''
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

My credit score has been placed in a lower band level due to Equifax drastically dropping my score. I recently got approved for a new credit line. About 45 points was taking as a result of this. This isn't the first time I have experience a drastic drop in my credit score with Equifax. How do you come up with how many points should be taking and what constitutes it? 
I am being discriminated against. This is defamation of character. This has ruined my reputation and credit worthiness.
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (MI)

First off on the IKEA site if you wish to make application for an IKEA credit card ( which is a commenity bank credit card ) the message is the site is under construction and application needs to be made at an IKEA location. I drove to IKEA and customer service was not able to take an application. I took care of it via a phone call to commenity while I was at the IKEA store. I told them I had a freeze on my credit reports and they needed to contact me on the phone number to confirm my identity. I was told they did not do this and I needed to remove the freeze. I made application on XX/XX/XXXX. I removed the freeze with an end date of XX/XX/XXXX. ( FYI the freeze is still removed as of XXXX XXXX 2022 ) On XX/XX/XXXX I called Commenity bank to hear if the application had been approved and to let them know the freeze was going to be reinsatlled the following day. They were unable to give me a status on the application. My scores were well over 800 at the time. 100 percent of full payments made on time for all of my accounts over the past 25 plus years. I received a letter stating they did not approve the application due to inabiility to verify previous credit report. letter was dated XX/XX/XXXX. 
They NEVER ran a credit report with XXXX so how can they deny the application? 
I made 9 calls to commenity XXXX XXXX XXXX and was on hold for over half an hour each time trying to get this corrected
Consumer complaint received 2022-08-02
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. (MO)

It has come to my attention that Equifax was in violation of FCRA ( 15 U.S. Code 1681b ) -Permissible purposes of consumer reports, by furnishing a consumer report without my written permission. Information on that report was also inaccurate ( XXXX XXXX XXXX in the amount of {$110.00} ) Each violation is regulated by the FCRA with a remedy amount of $ XXXXViolation ( 15 U.S. Code 1681n ) - Civil liability for willful noncompliance
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2022-08-04
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. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

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 an account without my written instructions
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Hi I am submitting this 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 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Consumer complaint received 2022-08-02
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. (TN)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

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
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (TX)

I contacted debt collector Nationwide Recovery Systems, to see what this account was. I never went to the facility that is listed as the original creditor. Everything that was talked about didn't make sense.

This " debt '' was bought for a second time. Yet NO correspondence was ever received, NO EOB '' s, no statements, NO BILL EVER. Not from the original creditor listed as XXXX XXXX XXXX or the collection agency XXXX XXXX. It is now magically appearing 4 years later on my credit report. And the bill amount happens to be just over the {$500.00} at {$660.00}. Now that laws have changed for medical collection under {$500.00} not to be placed on your credit report. 

Convenient for them the location of the facility is permanently closed and I am unable to obtain the said bill that is owed for the supposed original creditor. 

When asking to validate the debt, an excuse was given at every turn. 

They said XXXX XXXX has the information of the " debt '' but can not disclose a contact for them when I asked about it. I never received anything from XXXX XXXX XXXX or XXXX XXXX. it will take 30-35 days to receive the bill, because they only communicate through a portal and do not have contact with the agency any other way... 

That being said this is not HIPAA compliant as I NEVER signed a authorization to release my records to anyone. Also under Texas law you have 11 months to send a patient a bill. This is way past the time filling to send a bill. There was never any correspondence the facility.
Consumer complaint received 2022-08-02
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. (NY)

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX Account # XXXX, has violated my rights. 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. Furthermore, XXXX XXXX has reported to the credit agencies conflicting information stating under the Additional Information Section of my credit report that " Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$4500.00} ; '' however, they also are reporting that my balance is {$23000.00} of XX/XX/XXXX. I am confident that you will find the attachment as self evident of these facts. 

FURTHERMORE, UPON A FULL INVESTIGATION XXXX AGREED WITH MY COMPLAINT ON XX/XX/XXXX AND PROVIDED THE FOLLOWING RESPONSE ( SEE ATTACHMENT ) AND REMOVED XXXX XXXXXXXX FROM MY CREDIT REPORT. 
" Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. 
XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. ''
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion has consistently inaccurately reported a credit card balance issued by my banking institution. Each dispute has come back verified. I paid the credit card in full on XX/XX/2022, for $ XXXX and no additional payments have been reported to Transunion to date. The utilization rate is currently 37 % when it should be XXXX. In XXXX, Transunion accurately reported a balance of {$5.00}, and then the entire balance of $ XXXX was re-reported and consistently after that. The other bureaus are reporting the XXXX account accurately. It violates the Federal Credit Reporting Act.