davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (GA)

XX/XX/year>! XXXX placed a hold on my account for a service they claimed was fraud or did not match my information. Although I visited a store with my identification and social security card, XXXX deceptively charged my debit card for {$130.00} for the XXXX upfront cost of their internet service. There is a pending charge on my debit card ending in XXXX. I feel that Citibank is targeting me as my race I at the center is why I am waiting for a pending charge to be removed causing me to be placed in compromising situations that my family can not use the {$130.00} being that I'm on a fixed income. I feel that Citibank is trying to deliberately give me a hard time because of my situation having a brutal case of identity theft. I am not frauding anyone, it's happening to me and I am the main one who is suffering not the criminals. Citibank had no mercy on my need to access the money drafted from my balance and held since XXXX XXXX. I do not have an active service or product with XXXX who has held my funds captive and will not release. Again, I have no official business with XXXX other than the identity theft reports filed. I BELIEVE THE FUNDS ARE THERE AND CITIBANK IS GIVING ME A REALLY HARD TIME OR THERE IS A DISCREPANCY IN THEIR COMPUTER LATE NOTICES SENDING MISINFORMATION TO CUSTOMERS WITH INACCURATE DETAILS OF THEIR ACCOUNT.
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
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 (WA)

I use Bank of America 's autopay system for a credit card that I have open with them. I set up autopay years ago on this card. Recently, their Autopay system did not pay my card off because the balance was over a limit that had been set in their Autopay system. I never set any sort of Autopay limit on this card, so this issue is a technical error caused by BoA. When I called BoA about this, they immediately took the interest payments and late fees off of my account, and I paid the actual balance that was owed, but they have been slow moving/have not yet taken the reported late payments off of my credit report. I have been trying to work with them to take back the late payments that they reported to the credit agencies. I submitted my first inquiry with BoA on XX/XX/XXXX and it was denied < XXXX hours later on XX/XX/XXXX with no explanation. So, I submitted a second escalation/inquiry to BoA on XX/XX/XXXX and have not heard back yet. At this point, I consider this a fraudulent situation by BoA. They have already acknowledged that this was an issue from their end and taken off the fees/payments, but are refusing to take the late payments off of my credit reported to the agencies, and therefore are holding my credit score down for an unreasonable amount of time after the issue was reported to them. I have had to spend hours on the phone trying to resolve this. They are not providing a reasonable avenue to resolve this issue, are not providing reasonable documentation, and are not resolving the issue in a timely manner. This is fraud and is unacceptable. Please help me resolve this issue.
Consumer complaint received 2022-11-23
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I was drugged and extorted for around XXXX dollars in XXXX on my last night there. I filed a police report and the guy was caught on five sperate security cameras at both the ATM amd the two separate stores he made me buy him things at while I was still too high to defend myself or run. One of those charges was a {$940.00} charge for XXXX XXXX. It took me 3 hours to get the initial dispute filed but they refused to accept a copy of the actual police report. They said they would call me if they needed it and then denied the charge after less then 12 hours with no follow up.
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capitol One said I had pre-approval offers. Then asked me to verify information to see what I was pre-approved for so I did. It came back as an official approval then asked me to choose between two cards that I was approved for so I did that as well. Then I got an email a few minutes later stating I wasnt approved. Very confusing! I want the hard inquiries removed please.
Consumer complaint received 2024-09-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Subject : Complaint Regarding Credit Denial by Bank of America Dear Consumer Financial Protection Bureau and Bank of America, I am writing to formally lodge a complaint against Bank of America for their recent denial of my request for an extension of credit in connection with an auto loan. This denial is in violation of my rights under federal law, and I am seeking your assistance in addressing this matter.

Pursuant to 15 U.S.C. 1602 ( f ), I assert my right to access credit, which is a fundamental right and not a privilege that can be arbitrarily withheld. By denying my credit application, Bank of America has infringed upon my rights under this statute. Additionally, this denial constitutes a violation of the Equal Credit Opportunity Act ( ECOA ) and the Consumer Credit Protection Act ( CCPA ). 

As a result of these violations, I am filing this complaint to bring attention to the unlawful actions of Bank of America. Furthermore, this letter also serves as a pre-arbitration notice. If my rights continue to be disregarded and Bank of America does not remedy the situation, I will pursue legal action and initiate arbitration proceedings against them. 

I request that the CFPB investigates this matter thoroughly and ensures that my rights under the law are respected and upheld. Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2024-07-26
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. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are fraudulent though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-11
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-26
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (MS)

I was contacted by One Mains attorney to work out a payment plan. We agreed that I would pay it and I let the attorney know that Im doing my best during this Covid pandemic to pay my bills to please be lenient with me but they issued a garnishment on my wages anyway and taking in excess some months more than 800 dollars and still posting on my credit report each month that I am past due and this is and delinquent account in a charge off status and this is continually hurting my credit every month even though I am constantly paying on this every week I get paid.
Consumer complaint received 2022-11-23
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. (IN)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX  XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX  XXXX Balance : {$2300.00}.
Consumer complaint received 2024-09-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC. (CA)

The repossession by EXETER FINANCE LLC. inaccurately reported on my credit file following a significant data breach, where over 4 billion Social Security numbers and personal information were exposed to hackers. Due to this breach, the integrity of my personal data has been compromised, creating a strong possibility of inaccuracies in the information reported. Under 15 USC 1681e ( b ), credit reporting agencies are required to ensure maximum accuracy, yet the breach casts doubt on the validity of the repossession. 

I have taken several actions : Filed a formal dispute with the credit bureau. 
Notified the creditor associated with the repossession. 
Submitted an identity theft report to the FTC. 
Despite these actions, the repossession remains on my credit report, causing significant damage to my credit score. The continued presence of this inaccurate information, particularly after a data breach, violates my rights under 15 USC 1681c-2 ( a ), which mandates the removal of information in cases of identity theft or compromised data.
Consumer complaint received 2022-11-23
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. (PA)

My name XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-23
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX A XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$96.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-23
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. (AZ)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXXXXXX 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 2022-11-23
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. (TX)

In according with the Fair Credit Reporting act XXXX Account 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.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (MI)

I believe AES allowed me to over-barrow as a teenager  attending a XXXX  college. My interest rates continued to climb. My payment is so high I have a second job to pay. I still owe over {$40000.00} and have paid over {$130000.00} in payments over half have gone to fees and interest
Consumer complaint received 2024-09-08
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (MS)

I believe that the terms and conditions of the loan were not properly disclosed to me, as required by the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. Specifically, I have identified several violations and omissions that invalidate the loan agreement under this federal law : Lack of Full Disclosure of Installment Loan Agreement I did not receive a complete copy of the installment loan agreement at the time of signing. TILA requires that creditors provide borrowers with clear and detailed information regarding the loan terms, including the amount financed, the payment schedule, and the total cost of the loan. I did not receive adequate documentation of these key terms, which constitutes a violation of TILA 's disclosure requirements.

Failure to Provide Notice of Security Interest There was no clear disclosure or explanation that a security interest would be placed on the vehicle as part of the loan agreement. Under TILA, creditors are required to inform borrowers if a security interest is being taken on collateral, in this case, my vehicle, in exchange for the loan. Without this disclosure, the creditor has failed to comply with the legal requirement to fully inform me of my rights and obligations under the loan. 

Undisclosed Lien on Vehicle I was not informed of any lien placed on my vehicle at the time the loan was extended. The Truth in Lending Act mandates that creditors disclose any liens or encumbrances that will be attached to the collateral in the transaction. The failure to disclose the lien renders the agreement incomplete and noncompliant with TILA regulations.

Lack of Disclosure of Finance Charges The finance charge for this loan was not properly disclosed at the time of the agreement. Under TILA, the finance charge, including the total cost of interest and any other fees associated with the loan, must be clearly communicated to the borrower before the loan agreement is signed. The omission of this essential information violates my rights as a consumer under federal law.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (AL)

On XX/XX/year> I opened a savings account and a checking account with Ally Bank. I deposited a check for {$30000.00} on XX/XX/XXXX into the savings account via the bank 's mobile app. I received an email on XX/XX/XXXX informing me that my account was frozen, and I proceeded to call the phone number provided in the email. My identity was confirmed ( through answering my security question, etc. ) and I answered a few questions regarding the check. I was subsequently informed that my account was frozen because the company suspected that the check or the transaction was fraudulent. The representative said that my responses were recorded and that they would be investigating the matter. During the following two weeks I periodically attempted log in to my account, without success. On XX/XX/XXXX ( 14 days after the initial deposit ) I called the bank again to request a status update regarding the account lockout, and was told that the the investigation was still underway. Upon asking if there was an estimated timeline regarding the unlocking of the account, or whether there was any additional information I could provide which might expedite the matter, I was given a " no '' to both. I was then informed that the last time an XXXX had worked on the account was on XXXX, XX/XX/XXXX, and that I could call back later to request an update. I have not been contacted regarding this matter with the exception of the initial email on the XXXX.
Consumer complaint received 2024-07-25
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. (NC)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-11-23
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. (MD)

I was informed by a Consumer Rights Attorney to dispute this account before we file a legal complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is under SO MUCH VIOLATIONS when it comes to my credit report. First, I gave no written consent to them to report anything to my credit report. Second, There are INACCURATE information on my credit report so there is no way this is reporting to the maximum possible accuracy, therefore this account needs to be removed because it is in violation of 15 U.S. Code 1681b a2, 15 U.S. Code 1681i ( 5 ), and 15 U.S. Code 1681e ( b ). Also paid charge off accounts shouldn't even be reporting to my credit report due to your own reporting standards on the metro 2 software. If this account is not removed, when this is taken to court I will make sure I receive my {$1000.00} per violation.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

NOTICE AND DEMAND FOR DELETION OF UNAUTHORIZED INQUIRY To Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I did not give you permission to access my credit profile, and you have no permissible purpose by law to contact third parties, such as credit reporting agencies, with my personal or financial information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681b, " A SUMMARY OF YOUR RIGHTS UNDER THE FAIR CREDIT REPORTING ACT, '' the law CLEARLY STATES : " 1681b Permissible purpose of consumer reports ( b ) CONDITIONS OF USE 3. IN WRITING. A consumer reporting agency shall not furnish a consumer report : I. unless the consumer report is provided to the person who requested the report for use in connection with the extension of credit or the review or collection of an account under section 15 U.S.C. 1691 ( e ) ( 1 ) or 15 U.S.C. 1691 ( f ) ( 1 ) ; or II. in conjunction with a credit transaction that involves the application of the 15 U.S.C. 1691 ( a ) ( 1 ) prohibition regarding discrimination against any person who in good faith exercises any right under this chapter. '' As the " CONSUMER, '' I have not given you, the " CREDITOR, '' written instructions to furnish this " UNAUTHORIZED '' inquiry on my consumer report. 
I hereby DEMAND the immediate deletion of these unauthorized inquiries from my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX