davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: ALLY FINANCIAL INC. (NC)

I currently have two balances with Ollo Card. Most of my balance is a balance transfer that carries 4.99 % interest until XX/XX/XXXX. The high interest balance has had several interest rate increases over the past year because of the Fed raising rates almost constantly. My issue is that even though I send in payments that are over-the-minimum, the over-the-minimum payments are NOT being applied to the high interest balance, which currently sits at 27.49 % I have not used this card at all since XXXX of XXXX, other than the balance transfer that took place on XX/XX/XXXX. At that time, the high interest balance was {$1300.00}. Since XXXX of XXXX, I have paid {$800.00} OVER the minimum payments, which should have been applied entirely to the high interest balance, but has not been. My current high interest balance is STILL over {$700.00} - {$700.00} according to the XX/XX/XXXX statement. Had my payments been applied as required by law, my high interest balance should now be {$540.00}. I believe that Ollo is purposefully keeping my high interest balance as high as they can so that they can accumulate as much interest as possible. Since the Fed began raising rates, my interest rate has jumped over 5 points which has been very profitable for credit card companies like OLLO. 

At one point between XXXX and XXXX of XXXX, my high interest balance actually INCREASED by XXXX cents!! How is that even possible when I always pay over the minimum AND I have not used the card since XXXX of XXXX? 

On XX/XX/XXXX, XXXX XXXX EST, I spoke with XXXX at Ollo customer service regarding this matter. She referred me to her supervisor whose name is XXXX. XXXX told me that this matter would be researched and that I would receive notification of their findings within 30 days via US Mail. I have given them two statement periods to correct this issue and nothing has changed and I have not heard anything from Ollo via email or US Mail. 

I believe that Ollo Card is in violation of The Card Act of 2009 by not applying every penny of my over-the-minimum payments to the high interest balance.
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP (CT)

This debt was a coercedd debt and I am not responsible. after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation : Accounts to be removed Elan financial these accounts were fraudulently opened i was also threatened by the criminals to do certain things I did not want too. Please remove the two Elan accounts from my report immediately. the fbi was contacted and police report filed. XXXX, XXXX and XXXX are hindering my credit the accounts numbers do not match, date opened, payment amounts, there are a lot of discrepencies. Please remove Accounts ending in XXXX and XXXX from my credit reports immediately, I was threatened and had to make certain payments and do certain things i did not want to do on the account. please have these accounts removed from my credit.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

XX/XX/XXXX XXXX Tried to withdraw {$200.00} from an ATM listed on my credit union 's website for withdrawals. 
Machine never completed the transaction. Screen asking if I wanted a receipt never loaded and the machine shut down without dispensing any money.

I contacted the number on the machine. Man advised they see that i did not receive the funds. They advised calling my bank and having them give a provisional credit. 
I contacted my credit union. Told them what happened. They deposited the {$200.00} back to my account. 
On XX/XX/XXXX my credit union advised they were rescinding the credit. I immediately called them and asked for the documentation they used to determine this. 
On XX/XX/XXXX I visited their branch office in XXXX at XXXX XXXX XXXX. XXXX looked at my account and the investigation and said the dispute dept had investigated the wrong date. 
She called into her Dispute Dept and explained they were looking at the wrong date. Pentagon Federal then credited my checking account with {$200.00} On XX/XX/XXXX I received yet another letter advising they were removing the money. I called again and asked for the documentation Did not receive it till XX/XX/XXXX I again visited the branch office and they supplied me with the documents which seems to be a tape of the transactions. The time stamp is XXXX. I immediately took pictures of the ATM as it malfunctioned before i got my money. The pictures are time stamped at XXXX. Pentagon Federal has removed {$200.00} 3 times from my account. For a malfunction in an ATM. This feels like theft. Pentagon Federal has washed their hands of it saying " its now up to you to do something about it. ''
Consumer complaint received 2024-10-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (TN)

My loan was transferred to sloanservicing.com from nelnet. I have received emails to create an account, but the account I create cant login and reset doesnt work. I called their phone number and O heard someone pickup, but they never replied when I asked if anyone was there. I could hear them fumbling the phone, but no one replied. 

I would like to close out my loan it has less than a few payments left and Injust want it gone.
Consumer complaint received 2024-09-22
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. (PA)

I am contacting you to express serious concerns about several issues on my credit report. Upon reviewing it, I noticed multiple inaccuracies, including false account listings, inconsistent billing, and accounts that do not belong to me. These errors are affecting my financial security, and I urgently need your help to address them.
Consumer complaint received 2024-09-22
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. (PA)

I am writing to express serious concerns about issues I have encountered with the credit bureau. Upon reviewing my credit report, I discovered several inaccuracies, such as false account listings, inconsistent billing, and accounts that do not belong to me. These discrepancies significantly impact my financial security, and I urgently seek your assistance in resolving these issues.
Consumer complaint received 2023-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (NC)

First in their letter dated XX/XX/2023, A.R.M. Solutions claims to be a debt collector on behave of XXXX. They did not state these requirements : - That you can dispute the debt and that if you dont dispute the debt within 30 days the debt collector will assume the debt is valid - That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt I had a propane tank removed by XXXX from my property. It was on the property when I purchased it. Since they removed their tank, they are saying that I owe them for removal. I never agreed to this nor signed any contract and told them that I would not pay. They tried to tell me that I have to abide by their rules that they sent me after I disputed their bill. I told them I never agreed to them nor signed the contract they sent me.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXXXXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Equifax. 

Please delete the following accounts 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 2024-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (LA)

On XX/XX/year> someone hacked my account and sent {$75.00} to someone I dont know I requested a refund but I've heard nothing from cashapp or the person the money was sent to I've requested a refund XXXX  times and nothing is being done
Consumer complaint received 2024-10-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMO Bank, N.A. (FL)

Already filed a complaint on this issue and the response did not answer the issue. I payed off an RV loan on XX/XX/year>. On XX/XX/year> they withdrew from my checking account {$1600.00}, the loan payment. I called and the rep blamed me for not cancelling the auto payment. The loan was payed off a full week before that and they still took my money. 
I want the {$1600.00} sent back to me. Now it is XX/XX/year> and I still have not been reimbursed. 
Their response addressed the overpayment of {$250.00}, that was not the issue and I made that clear on my initial complaint. I have received that.
Consumer complaint received 2024-11-02
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC (IA)

Repeatedly have revoked authorization to withdraw from account. Dave inc continues to make withdrawals. The most recent was XXXX, even after multiple times revoking authorization and filing a prior complaint. It has to stop.
Consumer complaint received 2024-09-10
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)

TO WHOM IT MAY CONCERN, I AM A VICTIM OF IDENTITY THEFT THE ACCOUNTS LISTED BELOW ARE NOT ANY COMPANIES THAT I HAVE APPLIED FOR CREDIT FROM. THEY ARE ALL ACCOUNTS OPENED WITHOUT MY KNOWLEDGE OR PERMISSION. THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED IMMEDIATELY. I HAVE FILED THE PROPER DOCUMENTS WITH MY LOCAL LAW ENFORCEMENT AGENCY AS WELL AS THE FTC. I AM PROVIDING YOU COPIES OF THESE ITEMS TO SUPPORT MY CASE. SO WITH ALL THAT I HAVE MENTIONED, AND THE SUPPORTING DOCUMENTS, YOU MUST FOLLOW THE LAW AND REMOVE THESE ITEMS.
Consumer complaint received 2023-01-02
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
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 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 2022-02-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My elderly parents aged XXXX and XXXX bought airline tickets at XXXX XXXX XXXX XX/XX/XXXX XXXX using my BoA credit card. Due to Pandemic Flight Operational challenges, the XXXX airlines rescheduled flight without our approval.The flight was later on canceled.XXXX offered full refund of {$1300.00} but we are only refunded {$240.00} I was told to wait for 5 months byXXXX but never got remaining amount .They advised me to file refund at XXXX XXXX XXXX which never responded as to when remaining amount of {$1100.00} will be given. I have sent countless ( >20 emails and calls ) but all attempts were unsuccessful. I reached out to BOA XXXX credit card on XX/XX/2021 but my claim was denied. My parents are old and put their only remaining cash on the purchase of the tickets to see family in the XXXX. Their pleas to be get the remaining amount was ignored by Bank of America and XXXX XXXX. I selected Bank of America Credit card in the hopes that when disputes like this happens, we will be helped and protected from dishonest business and protect consumers from being taken advantage of. We also selected XXXX  because they are Flag carrier for XXXX  here in America. We thought they will care more for their people.We are so desperate to seek for help .I have all documents if you need me to submit them .Please help us .Thank you and God Bless! 
Passenger 1 : XXXX XXXX XXXX XXXX Booking Reference : XXXX Ticket XXXX Passenger 2 : XXXX XXXX Booking Reference : XXXX Ticket XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-02
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP (OR)

I bank with XXXX XXXX XXXX XXXX in Oregon, the closest XXXX to me is over 40 minutes away, so I went to the local US Bank in XXXX, Oregon to make a withdrawal. ( On XX/XX/XXXX ) The US Bank teller did not think she would be able to make a withdrawal from my XXXX account, but she made an attempt, and said it will work after all. 
As she is finalizing the transaction, she was having a hard time reading my debit card number, after looking for a while, she decided the number was illegible because my card has some wear around the debit card number. She made the decision to cancel the transaction. 

As I attempt to make a withdrawal at another bank, I was declined because I now have a pending charge of {$1700.00} from US bank in XXXX, leaving me with lower available balance. 
I went back to the US bank branch, and the teller said that she reversed the charge, this was after they closed at XXXX on XX/XX/XXXX. 
On XXXX at XXXX, the pending charge is still on my account, holding {$1700.00} from my available balance. 
On XXXX I called the US Bank customer service phone number and they said they are unable to do anything, and that I have to wait 3-5 days for the transaction to clear. 

I find this to be extremely unreasonable that a bank can withhold {$1700.00} from my bank account, simply because they were in the process of withdrawing money for me, but then decided not to. I know my {$1700.00} is in the possession of US Bank, where I am certain that money is added to their net balance, and is likely making US bank a return in the market. 
I trade in the market myself, where money can be multiplied by 10x in a day in some cases when trading derivatives.. so in my eyes, I am potentially out of a lot more money than {$1700.00}. 
This is an inconvenience that US bank should be compensating me for. 
I thank you in advance for any help provided with this dispute.
Consumer complaint received 2023-10-29
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. (WA)

well on the date of XX/XX/2023 i filed a dispute through the CFPB to XXXX XXXX an equifax as well due to the fact that there are reporting incorrect info on my credit report that is damaging my life in way not even known and they both got back to me one in just a Little under a month and thee other in just a little over month witch is not legal but anyway to put it short they are both saying the same thing to me about not being able to understand what it is that i am filing about well it is clear to see an is clearly not rocket since i have sent screen shoots to back my claim as well but here i am doing this again because i filed a dispute with XXXX  as well and they are getting back to me with the same response as well so here i am to clear the air one more and hopefully final time so that they understand i have updated info on the things that i am filing about and will one again post screen shoots with this dispute please help for one they want up to date address info and that i do not have because i am currently homeless in XXXX wa so as far as an address to give i dont have one no one wants to rent to me because i have bad things on my report and to boot there are all different on each sight and all i get is this nonfiction saying that my reports are out of date and will up date in x amount of days or i can just pay to have updated right away witch i dont think is legal either not sure but this is really crazy that to know what i am talking bout they need to know about my past an current living situation its wrong and just down right unfair and it need to be fix so again i am saying its not rocket silence if all 3 are not reporting the same then that is grounds for removal getting back to me 30 or more after i file a dispute is also grounds for removal of any negative info on my report and one deletes it all of them have to delete it so please do so asap thanks
Consumer complaint received 2024-10-31
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: WELLS FARGO & COMPANY (FL)

I am writing to continue my dispute regarding the incorrect reporting of late payments on my account during the COVID-19 pandemic. In response to my initial dispute CFPB previous complaint number XXXX, Wells Fargo stated that they would not remove the late payments because the relief offered was the suspension of interest charges during that period. However, this response is inconsistent with the protections provided under the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ), which clearly specifies that creditors are obligated to report accounts as " current '' if the consumer requested forbearance and the account was in good standing prior to such a request.

Violation of the CARES Act : The CARES Act, specifically under section 4021, mandates that if a creditor offers forbearance or any relief plan to a consumer affected by the pandemic, and the account was current prior to the request, the creditor must continue to report the account as " current '' during the forbearance period. This means that while I was under the forbearance agreement, late payments should not have been reported on my credit history. 

Late payments in : XX/XX/year>, XX/XX/year> and XX/XX/year>. 

As we can see I only had late payments within the first 3 months of the XXXX beginning and before i always paid on time, and even after those 3 months i always was diligent with my payments. 

Since my account was current before the pandemic and I requested forbearance due to loss of employment related to the pandemic, your decision to report the payments as late constitutes a direct violation of the CARES Act. Merely stating that the relief provided was the waiver of interest charges is insufficient to comply with the CARES Act, as the law clearly stipulates that my account status should have remained " current '' during the relief period.

Reference to Section 4021 of the CARES Act : Credit Status Protection : The CARES Act modifies the Fair Credit Reporting Act ( FCRA ) to protect consumers who were in good standing with their accounts prior to the pandemic. If a consumer requests forbearance and is current, the creditor is obligated to report the account as current during the forbearance period.

Late Payment Reporting : The fact that late payments were reported during the months when I was supposed to be protected under the CARES Act, and you accepted my forbearance request, constitutes a clear violation of Section 4021 of the CARES Act, which governs credit reporting during the pandemic.