davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I was scammed on line by a friend which turned out to be an imposter asking me about Trumps federal grant program, ended up giving them XXXX thru Bank of America. The account was sent from and to Bank of America, called them about situation I gave them the name and account number with BOA where money was transferred. I called them about situation someone at that bank had to take the order and someone had to start the account, they said I was scammed and they could not help me. This started XX/XX/17 the money was transferred XXXX Something had to be on camera
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One and XXXX XXXX  XXXX let 's start by saying this I tried making payments for several months there was some kind of glitch in the system where it would not allow the payment to go through I do not understand it myself by the benefit of the doubt I know what I made ample effort I'm most certainly and they would not listen computers have a way of messing up I got to a point were I was having financial hardship because of lack of work but I still tried paying several times this is eating me up I'm having emotional stress I've always had a job and payed I work XXXX hours a week aways paid my bills 3 credit cards and there's an auto loan on my credit for capital one auto car is paid off I traded it in for another car through XXXXXXXX XXXX Capital One auto loan should be gone it says I'm late
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am so sick and tired of the credit bureau XXXX with my credit score .My credit cards are payed in full every month and my credit score keeps dropping someone please explain how this can happen. Talk about these companies being fraudulent I need help to stop them from running my credit.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : N/A, XXXX accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, XXXX  accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX XXXX XXXX  Account number : N/A, XXXX  accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, XXXX  accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, XXXX accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, 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. (IN)

I have several hard inquires on my credit that were not authorized and some of the companies ran my credit several times without consent, even when I am searching for a vehicle I ask that my credit is not ran by multiple companies and they are required to let me know which companies they are authorizing my credit to ran by. Below I have provided a list of inquires that were not authorized or either ran multiple times within the same day. 

XXXX XXXX-Multiple times XXXX XXXX XXXX Disc-Unknown XXXX XXXX-Multiple times XXXX-Multiple times XXXX-Multiple times XXXX XXXX-Multiple times XXXX XXXX-Multiple times XXXX-Unknown XXXX XXXXMultiple times XXXX-Multiple times Credco-Unknown XXXX XXXX XXXX XXXX XXXX XXXXmultiple times XXXX XXXX-Unknown XXXX XXXX XXXXMultiple times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Unknown XXXX XXXX-unknown, multiple inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXMultiple times under different names
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

The accounts below are reporting missed payments which are incorrect. 

XXXX XXXX XXXX XXXX  its saying i missed a payment XX/XX/XXXX. 

XXXX XXXX  unsecured loan its saying i missed a payment XX/XX/XXXX. 

XXXX XXXX XXXX XXXX is reporting 4 incorrect missed payments. 

XXXX XXXX XXXX  reporting 3 missed payments incorrect.
Consumer complaint received 2024-10-11
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. (FL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2023-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (PA)

This is a continuation of my previous complaint regarding PNC Bank 's failure to honor a perfectly legal power of attorney. A bank representative, XXXX XXXX, called me on XX/XX/XXXX in order to get more background information on this matter, which I provided. She agreed to call me back today, XX/XX/XXXX at XXXX XXXX to discuss the results of her findings. I planned that part of my day to be available for her phone call, which never came. At XXXX I called and left a message on her voice mail and did not receive a return phone call. Her outgoing message indicated that she was in the office. Her failure to keep her commitment is very unprofessional. 

This is just a continuing example of how PNC Bank is mistreating me in this manner. 

This matter can be very easily resolved with just a little bit of common sense by PNC Bank. All they need to do is to call the notary to confirm exactly how the principal 's signature was obtained. Very very easy to do.
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (OR)

I made a credit card payment to Wells Fargo via electronic transfer from my primary account in the amount of {$13000.00} on XX/XX/. It cleared my primary bank on XX/XX/. My on-line accounts shows the transfer, however, I am unable to use my credit card due to " insufficient funds ''. I have called Wells Fargo multiple times and am getting the run around. They have told me that they put a " hold '' on the payment amount because it was a large payment. It is now going on the 3rd week that they have held these funds. I finally got a ticket generated after 3 calls. The 4th call I was told that they would have it cleared up by XX/XX/, another 10 days, 28 days total. I checked with my primary bank and was told banks have 24 hours to post electronic payments under XXXXegulation E. I believe Wells Fargo is committing fraud and using my money in other investment accounts and not posting my payment to my account. I'm sure I am not the only one this is happening to.
Consumer complaint received 2023-12-05
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. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IN)

I have several hard inquires on my credit that were not authorized and some of the companies ran my credit several times without consent, even when I am searching for a vehicle I ask that my credit is not ran by multiple companies and they are required to let me know which companies they are authorizing my credit to ran by. Below I have provided a list of inquires that were not authorized or either ran multiple times within the same day. 

XXXX XXXX-Multiple times XXXX XXXX XXXX Disc-Unknown XXXX XXXX-Multiple times XXXX-Multiple times XXXX-Multiple times XXXX XXXX-Multiple times XXXX XXXX-Multiple times XXXX-Unknown XXXX XXXXMultiple times XXXXMultiple times Credco-Unknown XXXX XXXX XXXX XXXX XXXX XXXXmultiple times XXXX XXXX-Unknown XXXX XXXX XXXXMultiple times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Unknown XXXX XXXX-unknown, multiple inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXMultiple times under different names
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute the accuracy of information contained in my consumer report issued by your agency. I recently obtained a copy of my consumer report and discovered that non-public information has been disclosed about me to a non-affiliated third party without my written consent. This practice is in direct violation of 15 USC 6802, which outlines obligations regarding the disclosure of personal information. 

Upon reviewing my consumer report, I noted that there are accounts, specifically XXXX XXXX  XXXX XXXX Account Numbers XXXX and account number XXXX, Also Credit Inquiries XXXXXXXX XXXX Inquiry XX/XX/ listed without my written consent. As per 15 USC 1681b - Permissible Purpose, I have not provided authorization for the reporting of this personal information. This lack of consent not only violates my privacy rights but also raises concerns about identity theft, as outlined in 18 USC 1028a.

I want to bring to your attention that I have already filed a report with the Federal Trade Commission, and my reference number is XXXX. I expect this matter to be treated with the utmost urgency and seriousness. 

Furthermore, I was not provided with the option to opt out of the items being reported, as is my right under the law. I request that you provide proof of offering me the opportunity to opt out, as required by law. 

In accordance with 15 USC 1681c-2, I demand that the following accounts, XXXX XXXX XXXX XXXX Account Numbers XXXX ( Account Type- Auto Loan ) and XXXX XXXX  XXXX XXXX Account Numbers XXXX  ( Account Type -Credit Card ) and Credit Inquiries XXXX XXXX Inquiry Date XX/XX/2023, be removed from my consumer report immediately. I emphasize that my dispute is not with the creditor but with your reporting agency for not obtaining proper written consent and failing to provide an opt-out option. 

I expect these accounts to be removed within four business days of receiving this letter, in compliance with the timeframes specified under 15 USC 1681c-2. Additionally, I request that your agency remove these accounts without invoking the method of verification, as the reporting was done without proper consent.

Failure to comply with this request may result in further legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ). I am confident that your agency will handle this matter promptly and in accordance with applicable laws and regulations. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

XX/XX/2023 telephone call to Equifax customer service requesting on-line access to my ENTIRE Equifax credit report through the XXXX XXXX. Equifax representative helped gain on-line access to through the Equifax website only, but I was repeatedly unable to tunnel through the XXXX XXXX to get my ENTIRE Equifax credit report in one download or via one print out as required by law.
Consumer complaint received 2017-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (SC)

Theres a collection on my credit report from the collection agency named Calvary Portfolio Services opened on XX/XX/2014. They are attempting to collect a debt in the amount of {$420.00}. I do not have any type of contract nor agreement with them, therefore they are not allowed to attempt to collect a debt that is not owed. Ive tried resolving this problem before, but a resolution was not met.
Consumer complaint received 2023-12-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (SC)

The loan servicer is Navient. I have been paying back this loan for 15 years and 7 months. I owe more now than I did when I started the loan. 

I co-signed for my daughter with Navient also. Her loan is the same. With every passing month, the loan is higher. If I don't pay them both, my credit will be ruined. 

I have read that this company has been sued. I asked if I qualified for forgiveness of my loans and was told that I was not. My payments total about $ XXXX. I feel certain that I have paid these loans off. 

Currently, I am a XXXX XXXX XXXX I have my federal loans forgiven. I can't understand why my loans for have not. South Carolina is a qualifying state and I am still paying on these loans. 

My loan is {$17000.00} and my daughter 's loan is over {$25000.00}. I am not delinquent. 

Thanks for indulging me.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

On the date XX/XX/2023 someone applied for a XXXX XXXX XXXX. I called the company they said someone did apply with my name and Social Security but the wrong address. 
XXXX XXXX on XX/XX/XXXX XXXXsomeone applied for a credit card. No action by me or the company XXXXXXXX XXXX XXXXXX/XX/2023 someone applied for a credit card No action by me or company.
Consumer complaint received 2017-12-04
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NH)

I opened an account at TD Bank in XXXX XXXX 2017, I brought in a mailer addressed to me with promotion that I would receive XXXX dollars when I had a direct deposit. I have visited the bank several times and called about twenty times with no results. Each time I get lip service, saying that they are working on it, just today they asked if I still had the mailer, well they asked me that a month ago, so I told them that the officer that I opened the account with would verify, which she did. So here I am six months of not getting anywhere with this bank.
Consumer complaint received 2023-12-04
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: SYNCHRONY FINANCIAL (NC)

Apparently my ex-husband made a payment on his own account. but Care Credit applied his payment to my account. Care Credit then mailed me a refund check as my account was closed. My account was only used for medical procedures for my boys and the refund check was not unexpected once insurance and other payments had been settled. 

Care Credit is saying they made a mistake and doubled the ~ {$180.00} payment my ex-husband made and mailed me a check for ~ {$370.00}. 

As my account was closed I had no way of checking this online and assumed the emails I was receiving were scams. I did decide to call them and check as I was receiving so many emails. Care Credit then told me they had made this mistake and I owe money. 

It feels very fraudulent and completely incompetent. The phone calls were recorded at Care Credit and the last woman I spoke with hung up on me when I was trying to confirm exactly what Care Credit had done. This is poor customer service on top of complete incompetence.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have been fighting Identity theft on my account for years and EQUIFAX refuses and lied to you all about the information NOT reporting on my files. It has cost me thousands of dollars in credit and interest rates for something I DID NOT DO. i have requested over and over again for Equifax to remove the collections on my account as of today XXXX even though they made a statement to you that is NOT reporting on my file. It is still reporting ONLY ON EQUIFAX. AS shown on a report dated XXXX the collection is reporting still on my file. XXXX XXXX XXXX XXXX has requested removal from all 3 bureaus over now 4 months and all has removed except for EQUIFAX. Equifax already may have been responsible for a lot of my Identity theft since they notified me years ago that there was a Data breach in which my identity may have been compromised and they STILL are reporting debt that was achieved thru IDENTITY THEFT on my file even though proof has given to them by XXXX XXXX XXXX XXXX that it IS not my debt. There must be some consequences for their actions.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I do not recognize these credit inquiries, and I have asked for them to be removed, and the Bureaus did not do as I asked. I am providing an identity theft report, and I am requesting them to be removed because they are inaccurate and are not mines.
Consumer complaint received 2023-12-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Uplift, Inc (OH)

I have received two letters from XXXX XXXX concerning {$1600.00} of debt that I allegedly owed. The last of these letters was sent on XX/XX/2023. I had no idea where this debt came from. My wife called the number provided by XXXX XXXX to inquire on XX/XX/2023. They told her the name of the person who had taken on the debt, when purchases were made, and what payments he made, as well as the person 's address and phone number. This debt came from " Uplift '' and was through XXXX XXXX. At least one charge was made on a XXXX XXXX XXXX. I have never been on a XXXX XXXX, much less opened a credit card through them. The address provided to us was of the house I lived in when in 8th grade ( 28 years ago ). It seems that one of these companies found my name as connected with that house and then started sending me these notifications. The person my wife talked to did not know how my name was attached to the debt. 

The same day, I called XXXX XXXX to file a complaint. I tried to ascertain from the call person how my name became connected with this debt. He said that the man probably somehow got my social security number and address and opened an account. ( This does not make much sense, as he made 4 payments on the debt. ) We were able to dispute the debt.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have consulted with an attorney who assures me that the FCRA requires CRAs to provide free reports, including online, but does NOT allow them to condition access to an online report on disclosure of a phone number and email. However, for years, XXXX and now XXXX as well, have done exactly that, and have ignored complaints about it being illegal claiming that they can do it because I can call or write to get a report. But again, the law EXPRESSLY requires online access and does NOT limit that access to my giving personal information I do not wish to provide to companies whose entire business depends on selling my personal data.