davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have a Merrill Lynch account ( XXXX ), a company who belongs to Bank of America. I received a XXXX Check Written statement which is completed wrong. It shows that I wrote 4 check with a total amount of {$620000.00} ( XXXX XXXX XXXX XXXX XXXX  dollars ) for XXXX. I never have this amount of money in my account. 
I called Merrill Lynch on XX/XX/XXXX and on XX/XX/XXXX and asked them to correct my statement and send me a correct statement. They refused to correct my statement. 
I wrote a check on XX/XX/XXXX for the amount of {$200000.00} and another check on XX/XX/XXXX for the amount of {$25000.00}. Giving a total of {$220000.00} ( XXXX XXXX XXXX XXXX XXXX dollars ). XXXX XXXX XXXX XXXX XXXX dollars is the correct amount from 2 checks that I wrote for XXXX. 

I submitted an initial complaint done on XX/XX/XXXX through the XXXX. However this Complaint Case # XXXX has been closed by XXXX  on XX/XX/XXXX, due that Bank of America planning to respond me. 

On XX/XX/XXXX, I received a letter from Merrill Lynch which I am not agreed in his content. Nothing of this document explains or are related to my XXXX Check Written Statement, which is the main reason of my complaint against Bank of America. 
What I am requesting is to receive a correct statement that I made only 2 check transactions : One on XX/XX/XXXX for the amount of {$200000.00} and the other on XX/XX/XXXX for the amount of {$25000.00}, giving a total of {$220000.00} ( XXXX XXXX XXXX XXXX dollars ). Bank of America " inflated '' my transaction statement up to {$620000.00} without a reason or prove. 

You are an Institution to receive compliant from people, follow the results and satisfaction from clients and correct companies as Bank of America of mistakes or errors to prevent to do again to new clients.
Consumer complaint received 2020-03-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Law Offices of Hayt, Hayt & Landau, LLC (TN)

Hello, Hayt, Hayt, & Landau law firm and XXXX XXXX XXXX are the companies at fault. They called before XXXX XXXX local time on Monday, XX/XX/XXXX. In addition, they sued me without providing proper notification due to the fact that I moved to XXXX in XXXX from the state of XXXX. I received no notification of the proceedings. My bank account was then frozen on Friday, XX/XX/XXXX through the XXXX court system during a declared state of emergency in both XXXX  and XXXX. Upon figuring out what was going on, I attempted to call Hayt, Hayt, & Landau to resolve the issue and they informed me that they would send the accounts back to XXXX XXXX, but it could take 14 business days. Meanwhile, I am being forced to suffer with no funds available to me and no way to resolve the issue. 
Thank you for your time, XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

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 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-09-04
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. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX 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/year>
Consumer complaint received 2024-09-04
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: Experian Information Solutions Inc. (LA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX according to XXXX   PORTFOLIO RECOVERY XXXX, VA XXXX I am formally requesting that you validate all notations you have submitted to the three major credit reporting agencies by Portfolio Recovery Associates XXXX for me, [ XXXX XXXX ], for account number Ref Id XXXX and Case XXXX ( references from the letters I received from Law Firms ). 

Due to possible inaccuracies in these credit reporting agency reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally. 
Please know that you have 30 days from the tracked and confirmed delivery of this notice to either answer these demands or to remove the associated negative trade line notations from the credit reporting agency reports. 

I found out about this getting letters from Law firms offering debt collection advice. I will file an complaint with the Consumer Financial Protection Bureau about your unethical business practices. 
XXXX XXXX XXXX I called them and I have NO accounts.
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TN)

I have tried to order my credit scores from the three bureaus. I was able to order my XXXX XXXX score only. I know that the other two are violating the fair credit reporting act. I know this is a marketing scheme and a way of them not complying with federal law. There is no explanation for not allowing an American citizen the right to his or her own personal information held by these marketing schemes. When you can't even pay for your information you know you're being discriminated against. I am in need of transacting some important business and I need access to my information in the next 14 days. 
Experian and XXXX  are stalling and I know that they are, happen to frequent.
Consumer complaint received 2020-03-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: The Law Firm of Krisor & Associates (IN)

I have debt that is owed but now attorneys are going to seize my bank account for money owed XXXX XXXX. The only funds I have are direct deposits from Social Security Retirement income and Supplemental Security income. These funds are exempt from garnishment. These attorneys are going to freeze my account and remove money from my account. 
The attorney in charge of this case is XXXX XXXX XXXX, XXXX. 
Address : XXXX XXXX XXXX XXXX XXXX IN XXXX Ph ( XXXX ) XXXX Cause No. XXXX
Consumer complaint received 2020-03-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (AL)

The first week of XXXX I was looking on my phone for computer repair help and went through hundreds of different websites. In the process my phone was hacked into and I did not know until after the following had happened. On XX/XX/XXXX I had 3 transactions in the amount of {$100.00}, {$100.00}, and {$300.00} show up on my Regions Bank from XXXX. I contacted the bank when i noticed it because I have never used this app and they closed my debit card down and filed dispute paperwork. Then on XX/XX/XXXX I had two transactions from XXXX in the amount of {$200.00} and {$300.00}, I had no clue what XXXX even was at the time. I contacted the bank and they froze my online banking account.I received texts from someone telling me exactly what website i was currently looking at on my phone and telling me who the last person i had called was, they stated if If I went to police I would go to jail. I called Regions and asked what I needed to do and person I talked to suggested changing phone number and factory reset phone and go to branch to file fraud dispute charges.I got a new number and reset phone and the text stopped and we went into branch and filed dispute on all charges. Branch said it was clearly fraud and not to worry about anything we would get our money back. Claims were denied and they ping ponged me between multiple departments and people. then someone from Regions informed me that if I filed a police report then my claims would be approved. I went to the police station and filed a report and told the officer what had happened. I then carried report to branch and they reopened my claims.I was informed when I checked the status of claims a couple days later that they were once again closed, reasons I have been given have been changed multiple times. I was told I gave someone permission to access my online banking account which is a lie, then I was told I gave someone authorization into my computer which they never made it into but they did hack into my phone not because i gave them permission, then I was told police report was too vague and that having a police report meant nothing. I've went for multiple weeks trying to get my {$1000.00} back and talked to probably 30 different people across 4 departments and they all understand and say they see what happened but the people that review the claims keep denying them.
Consumer complaint received 2020-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

I applied for a credit card at my credit union and I learned about a bankruptcy information I was not familiar with this so I sent a letter to dispute to lexisnexis because these weird crazy reporting places saying they are the company who is telling the about this information. It has been over 30 days and I have not heard anything - so I was told they have to delete if they do not respond in 30 days.
Consumer complaint received 2020-03-15
Product: Credit reporting, credit repair services, 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)

Every time I try to get my supposedly free annual credit report, I'm blocked from getting it because of bogus questions from TransUnion and XXXX  ( answers always " none of the above '' ), and XXXX  the problem suggests I'm not alone. XXXX  is the only company on there that doesn't try to dodge legal requirements by claiming they can't confirm my identity unless I physically mail them documents. Maybe I'm wrong, but it seems like they're just creating an extra obstacle to stop people from accessing their credit reports for free. What's arguably worse is that I can't check for fraud because the questions they rely on to confirm identify are the same questions I wouldn't be able to answer correctly if my identity had actually been compromised!
Consumer complaint received 2020-03-15
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. (VA)

THIS IS NOT A DUPLICATE-Citibank is reporting inaccurate information to all three major bureaus. They responded to a previous CFPB investigation stating that the information was correct. The past due history is showing for XXXX  : past due ( XX/XX/19 and XX/XX/19 ). Equifax : past due ( XXXX ) and XXXX  : ( XXXX ). Under the federal Fair Reporting Act ( 15 U.S.C section 1681 and following ) you are obligated to investigate this request within 30 days and promptly give credit reporting agencies correct information. These negative remarks are damaging my credit. Please promptly contact XXXX, XXXX  and Equifax and any other credit reporting agency to which you have reported and remove all past due history from my file because it is misrepresentation.
Consumer complaint received 2020-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

For the last few billing cycles I've been paying the full amount due on my account and not making any new purchases ; however, the each time I get my bill for the last two months, I find I owe a small additional amount. First I owed XXXX  dollars, now XXXX  dollars.

This seems to be unfair and deceptive billing practices and I want to lodge a complaint. I also want to ensure I'm not charged a late fee because of this deceptive practices. As a customer I feel I've paid my account in full, have not made any new purchases and lo and behold, I have money due unexpectedly. Since there's no " auto payment '' option for XXXX XXXX you have to manually log in view and pay the bill, increasing the chances for unknown charges in the amount of hidden fees. I believe they may have had a system change in timing for applying fee charges AFTER the customer statement is generated, thereby making it impossible for the customer to fully " pay down '' to XXXX  their account amount. This seems to be systemic abuse of the system, allowing them to charge customers hidden interest fees and collect " late '' charges deceptively.
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

I have written Experian and submitted online disputes regarding incorrect information on my credit file. I even purchased a subscription and that is a total waste of money. I filed disputes with all three credit bureaus and Experian is the on credit bureau that is not removing the inaccurate information. I spoke to a XXXX today and he told me that Experian was not removing the incorrect addresses because they are being reported by creditors. This is very pathetic that I have to keep going through this.
Consumer complaint received 2020-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ascendium Education Group (LA)

On XX/XX/XXXX the following accounts were Deleted off my credit report from XXXX  Results Report Number : XXXX Date Generated : XX/XX/XXXX ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details. 
Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details.

Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details.

Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details.

Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details.

Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details.

Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details.

Deleted ASCENDIUM ED SOLUTIONS Account XXXXXXXXXXXXXX This item was removed from your credit report. Please review your report for the details. 

THE ACCOUNTS WERE PLACED BACK ON MY CREDIT REPORT
Consumer complaint received 2020-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AFNI INC. (CA)

On XX/XX/XXXX, I was denied credit and received a copy of XXXX  credit report. It showed an open balance with XXXX, XXXX of {$440.00}. I know I paid this account off. I called XXXX and that said my account was transferred to Afni, Inc.

I called Afni, Inc. They told me my account was paid in full and they will send me a receipt. I put in a dispute with XXXX while I waited for the receipt from Afni, Inc. 
On XX/XX/XXXX, XXXX  said they finished their investigation and XXXX said the information on my credit report was correct and I stilled owed {$440.00}. The disputed item remains on my credit report with out any changes. 
I submitted a second dispute with XXXX  and provided a copy of the receipt from Afin , Inc. showing that my account with XXXX  was paid in full by their authorized collection company. 
On XX/XX/XXXX XXXX  sent me my dispute results stating XXXX XXXX said information on my credit report is still correct. I owe them {$440.00}. the item will remain the same. Yet I have a receipt firm Afin, I spoke to an XXXX  Rep and they all told me I do not have an open account with them nor do I owe them any money. My account is paid in full.
Consumer complaint received 2020-01-11
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. (VA)

On XX/XX/2019 I contest the credit inquiries on my Equifax report and I never received any Proof of validation on the inquiries nothing with my signature or Original Paperwork showing that I applied for anything only thing I received was a paper saying they were I verified I Did not authorize them!!!
Consumer complaint received 2024-10-21
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: Experian Information Solutions Inc. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

i checked my credit today they was Hard Pull on my credit XXXX XXXX XXXX XXXX, i called XXXX they had nothing in the system showing that i filled out for any credit and i no i didn't but i wanted to see who is behind it they said they nothing we can we can but you call this other number and i did, it was XXXX credit they had nothing in their system so i called the number under the credit report same people. they said no we didn't pull your credit we don't pull people 's credit i ask could you call the Trans Union they said no we don't pull people credit, worthless. but i was not rude i said thank you and hung up. XXXX XXXX XXXX XXXX Type of Industry : Bank Address : XXXX XXXX XXXX XXXX MD XXXX Phone Number : ( XXXX ) XXXX An inquiry is a record of someone checking your credit information, and it usually happens when you apply for a new line of credit.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

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 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 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is 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.