davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC. (NY)

Unauthorized transactions happened on my account ending in XXXX between XX/XX/XXXX through XX/XX/XXXX at XXXX, XXXX, XXXX XXXX, including multiple other places as it appeared on the attached bank statement. I was even left with over XXXX XXXX dollars overdraft. I reported to XXXX fraud and dispute department on XX/XX/XXXX, but they denied the claim stating that the card was physically used in all of these stores. After XXXX blocked this card, and said to look out for a new card in the mail by XX/XX/XXXX, I never received the new card and another transaction was attempted at XXXX for {$250.00} on XX/XX/XXXX. I want all my money back that is about XXXX XXXX dollars or more.
Consumer complaint received 2018-10-17
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. (CO)

I have repeatedly disputed erroneous information on my Equifax credit report that has adversely affected me and my credit worthiness. XXXX XXXX XXXX has re-inserted an account that was previously deleted by Equifax due to a prior investigation. This re-insertion was not only done without notification to me, but also is riddled with errors and inaccurate information. I have disputed previously with Equifax and the CFPB directly, which has still not resulted in acceptable resolution. Equifax is in clear violation of the FCRA and the CFPB has not been effective in resolving this ongoing issue. 

The entry on my report for XXXX XXXX XXXX ( XXXX ) has the following issues with their reporting : 1. Clear  violation of re-insertion guidelines after deletion from a previous dispute and no written notification to the consumer 2.  Creditor classification is listed as Banking - XXXX is not a bank and this is inaccurate - should be removed immediately 3. No original creditor listed on this account - how is it even possible that XXXX is verifying this information and it's accuracy with the original creditor then? 
4. Type of Account - Open - this is completely inaccurate and should be deleted. I don't have an open account with XXXX 5.  Date Major Delinquency First reported is listed as XX/XX/2018, yet last payment is listed as XX/XX/2018 ( with a {$0.00} balance ). How is this possible and why is XXXX verifying this inaccurate information? 
6. Why is this account reporting a High Credit amount of {$690.00}? I don't have a credit account that would justify reporting this information from XXXX! 
7. Account status is listed as Collection account but is not listed on my credit report in the collection account section. This erroneous information should be deleted. 
8. Additional information entry also lists this account as a Paid Collection but it does not appear as a collection account per Equifax 's own reporting. This should be deleted.
Consumer complaint received 2024-10-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Fraud occurred on my credit card on XX/XX/XXXX and Bank of America refused to resolve the fraud claim for months even after I requested evidence that there was no fraud ( they had none ) and had them reopen my claim 4 times. After filing an initial report with the Consumer Finance Protection Bureau, Bank of America reversed the fraudulent charges as well as the penalty charges and late fees on my credit card statement. 

After this occurred, I received a phone call from XXXX from the conflict resolution department in Arizona wanting to confirm I was the one who made the report. I called her back and left a voicemail confirming that it was me who filed the claim. A couple weeks later I received a letter from Bank of America letting me know the fraudulent charges and late fees/penalty charges were reversed and the money was refunded back into my account. They also said that the reversals were permanent, thus resolving my fraud claim. 

I then attempted to refinance my mortgage in XX/XX/XXXX and was alerted that my credit score had not been reinstated back to its previous good standing, so I called XXXX with conflict resolution XXXX times asking her to call me back so I could get this resolved and that I expected Bank of America to alert the credit bureaus of the mistake on my credit score. I never got a phone call back after leaving multiple voicemail messages, and then I received a letter from Bank of America stating that they would not be contacting the credit bureaus because they would not be changing their initial decision that fraud had not occurred on my credit card. Even though they reversed the fraudulent charges and resolved my fraud claim, they are now saying that they are not changing their decision. 

I am absolutely LIVID that this has taken so long to get resolved, and now it is costing me money on top of undue stress and emotional duress while caring for a baby at home. I need Bank of America to contact the credit bureaus immediately and alert them of the mistake on my credit report to reinstate my previous good credit score that I had prior to the fraudulent charges on my credit card.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

In XXXX someone opened an account in my name with Bank of American and deposited fraudulent checks over $ XXXX, as a result BOA tried to collect funds they lost. I explained I never opened the account nor was I aware of the checks. I filed a police report and BOA conducted an investigation and closed the account. 
Due to several data breaches, I have been a victim of fraud with someone attempting to open bank accounts since XXXX. I received a notification someone tried to open a XXXX XXXX account as well as XXXX XXXX. 

In XXXX, someone also attempted to file an unemployment claim in my name and since I work in XXXX XXXX, I received the claim and contact the state of MD unemployment to also report fraud. 

At this point my credit is frozen, however I continue to deal with alerts of data breaches or someone using my name to create an account.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I disputed the collection agency XXXX XXXX XXXX regarding the Original Creditor XXXX XXXX XXXX a XXXX  bill with all three agencies. I noted that based on cfpb XXXX  bills would be removed or not listed on reports, however, they all left it on the report. 

I noted and provided the link to the XXXX  for XXXX. I also chatted with XXXX 's rep and they also said the XXXX  bill shouldn't be listed even if it's a collection agency listing them. If you XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I attached the chat transcript and highlighted the rep 's entry that XXXX  bills shouldn't be listed. 

By the way, the name on this account is incorrect, it's XXXX and not XXXX.
Consumer complaint received 2018-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I purchased a phone from XXXX XXXX XXXX  on XX/XX/2018 for {$730.00}. On XX/XX/XXXX the phone quit working and was blacklisted as it was reported lost or stolen. The phone i bought was brand new and I'm supposed to be the only owner and I didn't report it lost or stolen. XXXX XXXX XXXX wouldn't do anything to help me. I filed a police report at my local police department. The police report id is XXXX. I paid a lot of money for this phone and i can't use it. XXXX XXXX XXXX  either lied about item being new or has reported it for insurance claim or something. Went to huntington bank as soon as i could to dispute the charge and they denied my dispute due to age of item disputed.
Consumer complaint received 2024-10-05
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)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payment was made on time, which falls within the 15-day grace period provided by XXXX As such, the account should not have been reported as 30 days late. 
Clerical error by XXXX : Despite making the payment on time, it was incorrectly recorded as late due to a clerical error on the creditors side. This error led to an inaccurate 30-day late report to the credit bureaus. 
Evidence Provided : I have attached bank statements and payment confirmations showing that the payment was made on time, clearly indicating that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (AZ)

I opened a Citibank checking and savings account, they offered a {$500.00} promotion to open the account and complete activities. On XX/XX/XXXX, Citibank confirmed via chat that I met the requirements and that it would automatically post on XX/XX/XXXX. 

I chatted with Citi on XX/XX/XXXX and they were not helpful, would not provide an email address for me to submit the chat transcript. They said promo code was not applied on my account and that I had to call in to a promotions team. This completely contradicts what they told me on XX/XX/XXXX. 

Later on XX/XX/XXXX, I contacted Citi on XXXX. They said I do not need to call a promotions team. They stated that bonuses that met the 90 days in XXXX would automatically post during the first ten days of XXXX. The bonus still has not posted. I contacted Citi on XXXX  XX/XX/XXXX, they stated I had to call the promotions team. Once again, they would not resolve the request via written communication.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX name 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 2024-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Experian Information Solutions Inc. (NV)

XX/XX/year> account is adjusted to a negative zero against 100 percent available credit file of equal credit act open account. I was never given an adverse action letter for the negative zero adjustment to equal credit act open account. I'm an official American standard unit of measure person and there's a latin accountant adjusting account to equal latin milli- person negative zero contribution to US while I am an Inch person positive contribution registered unit of measure with and for US XXXX
Consumer complaint received 2024-10-05
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: Experian Information Solutions Inc. (TX)

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 XXXXXX/XX/XXXX I am writing to formally bring to your attention that I have been a victim of identity theft, resulting in multiple fraudulent inquiries on my credit report. These unauthorized inquiries were added without my knowledge or consent and require immediate resolution. 

An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am requesting the prompt removal of these fraudulent inquiries to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-10-05
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: Experian Information Solutions Inc. (AL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-10-05
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)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the XXXX grace period : My payment was made on time, which is within XXXX  XXXX XXXX period. The payment was not late and should not have been reported as 30 days overdue. 
Clerical error by XXXX XXXX XXXX XXXX : My payment was processed on time, but due to a clerical error by XXXX XXXX XXXX XXXX, it was incorrectly reported as late. This error has caused inaccurate reporting across all three credit bureaus. 
Evidence provided : I have attached bank statements and payment confirmations showing that the payment was made on time, well within the allowed grace period. This clearly demonstrates that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-05
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)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payment was made on time, which is within Toyotas 15-day grace period. The payment was not late and should not have been reported as 30 days overdue. 
Clerical error by XXXX XXXX XXXX XXXX : My payment was processed on time, but due to a clerical error by XXXX XXXX XXXX XXXX, it was incorrectly reported as late. This error has caused inaccurate reporting across all three credit bureaus. 
Evidence provided : I have attached bank statements and payment confirmations showing that the payment was made on time, well within the allowed grace period. This clearly demonstrates that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

The debt was disputed long time ago. I have no any negative report on my credit report. I am disagree with their action and I can't believe CFPB closed my account with little response from portfolio recovery. Shame on all of you. Due to unfair situation I had a XXXX XXXX and I was at the XXXX I wouldn't XXXX  quite even if it end up to have worst scenario in my life. 
This is related to portfolio recovery associates LLC
Consumer complaint received 2018-08-08
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: Experian Information Solutions Inc. (LA)

During a prior dispute, XXXX removed all of the following accounts because of false misrepresentations while XXXX has deleted one and is in the process of removing the remaining two accounts. However, Experian has decided not to remove any of the following accounts although both agencies were submitted the exact same information regarding the XXXX XXXX accounts. 

For whatever reason, Experian can not find reasonable cause to remove the other two account when they have all the required information to do just that, remove the incorrectly reported accounts. 

XXXX XXXX Accounts in Dispute : XXXX - {$1300.00} ( Deleted by XXXX  ) ( Pending XXXX deletion ) XXXX - {$280.00} ( Deleted by XXXX ) ; ( Pending XXXX  deletion ) XXXX  - {$390.00} ( Deleted by XXXX ) ; ( Deleted by XXXX )
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I've reach out to the credit bureaus several times, but I was not successful as I've now learned that all the disputes and letters I've sent in were just verified electronically, or sent overseas for processing. I am wanting to block these fraudulent accounts from my credit report, they have don't so much harm, and cost me lots of money with the lenders that I now do business with. After consulting with my attorney and a mortgage broker, then informed me of my options in handling my situation.