davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-30
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. (OH)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2021-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

On I discovered ( JEFFERSON CAPITAL SYSTEM ) had been re-inserted into all my three-credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification, without my knowledge of this account. I've proof of account was deleted and reappearing. Please delete this item immediately.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the inaccurate addresses that continue to appear on my credit report. Despite submitting previous dispute letters addressing this issue, these erroneous addresses remain listed, and I am formally requesting that they be removed from my report immediately. These addresses do not belong to me and have no relevance to my credit history. I have previously provided all necessary documentation to prove my correct address and requested the removal of these incorrect entries. However, despite multiple requests, the incorrect addresses have not been removed, which is a violation of the Fair Credit Reporting Act ( FCRA ). The continued presence of these addresses could lead to confusion or potential inaccuracies that affect my creditworthiness. I once again urge your agency to review my credit file and ensure that only accurate and verified information is reflected on my report. It is your responsibility to maintain the integrity of the information provided to lenders and other third parties. Please correct this oversight by promptly deleting the incorrect addresses and ensuring they do not appear on any future credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I would like to register a complaint about a Fraudulent transaction on my Credit Card. Attached is the receipt for the Fraudulent transaction and below are complete details : Bank/ Credit Card Issuer XXXX Bank of America Card Type : VISA Merchant : XXXX XXXX, Store # XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX Purchase Amount : {$1000.00} Purchase Type : In-Store Self Check Out/ Card Purchase Date of Fraudulent Purchase : XXXXXXXX  Time of Purchase : XXXX The credit card used for the above purchase was with me, and I am at my home at the time of the Fraudulent activity ( XXXXXXXX XXXX ). 

I received a text message on my mobile on XXXX at XXXX about the above purchase, after which I immediately 'locked " my XXXX Bank of America credit cards and called Bank of America Fraud protection customer service and reported the fraud. 
I spoke with XXXX XXXX store the next day ( XXXX ) and informed them about the incident. I spoke to store manager ( s ) 3 times over phone and went to the store and got the attached Receipt with the details of the goods purchased using my ( cloned ) Credit Card. 

Bank of America closed my claim stating I am responsible for these charges, and I am not happy about being held responsible because I did not loose credit card and my physical credit card was not used for the purchase. 
Attached are the screenshots of the Claim, Claim Notes and the Credit Card transactions asking me to pay the charges.
Consumer complaint received 2021-07-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: FISERV INC. (TX)

I am reaching out to you about an unpleasant experience that my company is currently experiencing with First Data/ XXXX  XXXX XXXX XXXX and fraud team in the hopes that you will be able to help resolve it. My company has been using first data merchant service for almost a year now and as of XX/XX/2021 First  data has held all our deposits to complete a fraud review of our account. As of today they now have over {$30000.00} of deposits that have been held for 10 days. We initially received no communication to inform us that this fraud investigation would be happening, why our account has been flagged or how long this process would take. 


We are a small XXXX XXXX XXXX XXXX and can not afford for our cash flow to be held for over a week especially during a pandemic and a labor shortage. 

My Merchant ID for this company is Merchant Id : XXXX
Consumer complaint received 2021-02-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (WI)

On XXXX XXXX, 2021 I received a debit card from US bank. It is stated that it is for the Ohio Unemployment Insurance program. I did not request this, it came to an address I lived at over 11 years ago. I have never lived or worked in the State of Ohio. I had my identity stolen 6 years ago and this may be related to that. Please let me know if further info is needed. 


Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX
Consumer complaint received 2021-07-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SYNCHRONY FINANCIAL (MO)

In XXXX I purchased a XXXX  XXXX wave runner in which I received a loan on a 9 month no interest no pay loan. Loan of {$8600.00} to be paid back by XX/XX/XXXX. Loan was from GE Money Bank.

7 weeks ago I sold this wave runner to someone which neither of us saw the lien holder on title, so in Missouri the new owner cant get a new title until I get a lien release from this bank. GE money bank is now under control of Synchrony Bank. 

I immediately called Synchrony Bank to get lien release. Of course in older loan. But I faxed to them the statements I received at that time from GEMoney bank plus 2 canceled checks showing I paid this off in full on XX/XX/XXXX. Plus provided them copy of original title and my contract information including address, cell number and urgency in receiving this lien release. To date have heard nothing from Synchrony Bank. I tried calling the title release department at XXXX option 3. Have left at least 10 messages with absolutely no response from them. I pressed option 1 at same number which they provided me with a request ID # XXXX which they tell me still says processing. I get different answers from different people I talk to at this bank. I have been waiting long time and feel they are not doing anything about my issue. Since I provided them with all information they could possibly need plus the checks I paid this off with should be simple to do. I need help!!!
Consumer complaint received 2024-01-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (TX)

I have had the American Express Serve account for many many years ... Never had any issues. Last night XX/XX/24 a transaction posted for {$34.00} that I didn't authorize and I called customer service and they said it would have to post completed before I could file a dispute. Today, XX/XX/24, I froze the card so nothing else could post ... After a few hours, I unfroze it and was trying to transfer {$6.00} out of my XXXX  into my Serve account, like I've done several times before. Shortly after this, I received an email saying my online access was suspended and I needed to contact them. 2 hours after that I received another email saying I " violated their terms '' and my account would now be permanently suspended. When I tried to contact customer service, I spoke with at least 5 different people trying to gain information ... And was refused any type of information. They weren't helpful, nor would they allow me to speak to a supervisor. I was told I had to physically write a letter to this XXXX XXXX in order to request information and request my money that is sitting in that account. I have NEVER done any type of fraudulent activity. I'm extremely upset. I had to live off of that money in my account until I get to payday... So now I'm going to go without food because of this action by this company. They need to be held responsible!!
Consumer complaint received 2024-01-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION (VA)

Pay on the bill monthly, with interest at XXXX percent, most of the money is been applied to interest. For example monthly amount of bill is {$490.00} and {$360.00} goes to interest and only {$130.00} went to principal.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-07-07
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: EQUIFAX, INC. (NJ)

XX/XX/2021, I SENT IN A LETTER DISPUTING ERRORS I HAVE FOUND ON MY CONSUMER CREDIT REPORT. TODAY IS XX/XX/XXXX AND I HAVE YET TO RECEIVE RESULTS OF AN INVESTIGATION OR ANY RESPONSE FOR THAT MATTER INFORMING ME IN ANY WAY. AS STATED IN MY LETTER, AFTER RECEIVING A COPY OF MY CONSUMER CREDIT REPORT I HAVE FOUND SEVEN ( 7 ) ERRORS THAT NEED TO BE INVESTIGATED AND REMOVED. NOT ONLY HAVE I BEEN PATIENT BUT I HAVE PROVIDED SUFFICIENT TIME FOR THIS COMPANY TO COMPLY WITH FEDERAL LAW AND THEY HAVE FAILED TO DO SO ACCORDINGLY OR AT ALL.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXXXXXX XXXX violated the following 15 U.S. Code 1681 ( $ ) -2 late payment during a panic. 

The XXXX XXXX prevents lenders from reporting late payments to credit reporting companies during the XXXX crisis. 

Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by XXXX during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. 
https : //www.nolo.com credit-pro Credit Protections Under the XXXX XXXX XXXX XXXX XXXX XXXX reported Within 30 days of this notice.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

I requested inaccuracies regarding my name, address and employer be verified and corrected with proof of verification and correction. 
I disputed multiple inaccuracies on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). After a thorough review, I have identified the following errors : Incorrect Name on Report : [ XXXX XXXX, XXXX XXXX XXXX, these should be removed Correct Name : [ XXXX XXXX ] Incorrect Address on Report : [ All Addresses Listed besides correct address below should be removed from my credit report ] Correct Address : [ XXXX XXXX XXXX XXXX XXXX, IN XXXX ] Incorrect Employment Information on Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these should be removed Correct Employment Information : [ XXXX XXXX XXXXXXXX ] Incorrect Phone Numbers : REMOVE ALL PHONE NUMBERS FROM MY CREDIT REPORT They replied saying the above inaccuracies were completed and removed but they are not, they are still on my reports. 

These inaccuracies may be causing significant harm to my creditworthiness and financial standing, and I request your immediate attention to rectify these issues. 
Enclosed with this letter, please find copies of documents supporting the correct information, such as my driver 's license, utility bills, and employment verification documents. 
I request that you conduct a thorough investigation into these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ), Sections 611 and 613. The FCRA mandates that consumer reporting agencies ensure the maximum possible accuracy of the information contained in their reports and allows consumers the right to dispute inaccuracies. 
I am also aware that, under the FCRA, you are required to complete the investigation within 15 days and provide me with a written summary of the results. I kindly ask for your cooperation in adhering to these legal obligations. 
Please remove the inaccuracies in my credit report promptly and provide written confirmation of the corrections made, including an updated credit report, as required by law. 
Thank you for your immediate attention to this matter. I appreciate your prompt resolution of these discrepancies to ensure the accuracy of my credit report.
Consumer complaint received 2021-07-07
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. (OH)

I opened an account ( that I pay monthly for ) last year with Equifax because ( probably due to their breach a few years ago ) someone used my maiden name and social security number to open several fraudulent accounts at XXXX XXXX  ( that issue was resolved -- just for the record, though, it should be illegal for anyone to open a bank account on-line ). 

Anyway, my information with Equifax was correct when I opened the account last year. It showed my married name as current and my maiden name as former. When I checked my account in XX/XX/2021, I discovered Equifax had switched them ; it showed my maiden name as current and my married name as former. I dont know when or why it was changed. 

On XX/XX/XXXX I called Equifax to notify them they had the wrong name on my Three Bureau Credit Summary. It showed my maiden name rather than my married name. I've been married for twenty-nine years! I mailed information to their address in XXXX, Georgia to correct the problem. On XX/XX/XXXX, I checked my account again and it still showed the wrong name. I was told they never received the documentation and letter I sent. 

I had great difficulty getting through to the company. They keep dropping my calls. When I was able to talk to a person, I informed them to checked the 3-credit bureau summary because the the other two credit bureaus had my correct name, my married name. OnXX/XX/XXXX, I was told by Equifax to submit my documentation through my account on their website. I did so. I sent everything they asked for and they said they would investigate and resolved the issue. 

Well, when I checked my account yesterday, they said the dispute had been resolved, but my name is still incorrect! I called them again today, XX/XX/XXXX, to give them one last chance to correct their error. I get lots of meaningless apologies and dropped calls. 

These Credit Bureaus want to be the Masters of the Universe -- They want our entire lives in their hands. Is it too much to ask that they get my name right! 

I'm at a loss as to how to get this corrected. Please Help!
Consumer complaint received 2024-01-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened a Citibank Business Streamlined Checking Account on XXXX XXXX in XXXX XXXX, XXXX XXXX. I planned to open this account after seeing account opening bonus online which stated to go in branch for account opening. I visited the branch and banker was successfully able to open my account with the promotional account opening bonus. Promotion stated to deposit at least {$20000.00} to get {$750.00} bonus within a certain timeframe ( attached image ). I met the requirements long time back last year but haven't yet got my bonus. After talking to them they are denying having any such promo as well. Hence attaching screenshot for the same as well but I haven't yet got the bonus. 

Besides I also met requirement for an additional {$100.00} bonus in my account after meeting direct deposit criteria and also a {$100.00} referral bonus but I haven't got them as well Total I am supposed to get $ XXXX $ XXXX $ XXXX {$950.00} Hence I request you to kindly help me reach out to them so they can look into this at priority. Thanks for help
Consumer complaint received 2024-09-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (TX)

I have a home mortgage through Wells Fargo and in XXXX they didn't pay all of the property taxes that are associated with my home that we share with my in-laws who have an interest in our home with a XXXX XXXX XXXX  that gives them 25 % ownership in the home. In the previous years they paid the taxes which are made in XXXX seperate payments without issue. 

Due to them not paying the full tax bill in XXXX my escrow account was assessed a late payment fee and penalty of {$1200.00} which Wells Fargo paid out of my escrow account in XXXX of XXXX. I was unaware that this had happened until earlier this year and have made numerous attempts to talk to someone at Wells Fargo about returning the {$1200.00} to my escrow account due to the missed payment being the banks error. 

I have made over XXXX phone calls to them and I even went into my local branch and talked to an employee there. He said that there was no one in the branch I could talk to about the issue I was having and gave me the main number to call. 
I informed him that everytime I call the main number I just get the run around and that no one I talk to can resolve this issue of refunding me my money. 

I was even assigned a case number over the phone but I still just get the run around from one dept to the other.
Consumer complaint received 2024-01-29
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. (LA)

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.

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 2021-06-25
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. (FL)

Ive sent numerous 605b and FTC reports to XXXX  Equifax and XXXX. All 3 companies have ignored my letters. I also requested updated credit report be sent via us mail. Upon checking my credit in mid XX/XX/2021. I discovered Fraudulent Accounts on my report. 
The following fraudulent accounts are 1XXXX XXXX {$500.00} Ive never done business with this company or entered into a signed contract with this company. This is a fraudulent account 2. XXXX, XXXX XXXX XXXX XXXX {$270.00} Ive never done business with this company or entered into a signed contract with this company. This account is fraudulent!! 
3. XXXX XXXX XXXX is also a fraudulent account! 

XXXX XXXX ( isnt my name ) Ive never used it that way please see ftc report/ 605b all attached
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (MI)

Sunday XX/XX/XXXX my XXXX kids received Netspend cards with {$25.00} each as reward for chores. When attempting to activate card was told I needed to provide picture of driver license, social security card, and piece of mail to them. The info was provided reluctantly after questioning why such documents are needed for {$25.00} gift card. The info was submitted and activation was still refused for the 2 cards. We then asked for a refund to my brother in laws account for the cards, which was denied. They offer to send a check to me, after a {$5.00} fee paid to them. This is with 2 separate cards, the same thing happened. 
Card # 's XXXX and XXXX