davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

I have now experienced XXXX occasions where Bank of America ( BoA ) has either not instituted the " auto pay '' for the balance of my account or turned it off without warning or any communication whatsoever. 

The first instance occured on a BoA card I opened XX/XX/XXXX. I had never missed a payment and in the summer of XXXX I called and spoke to a representative about the fact that I was departing for a XXXX  on a wilderness trip and would need to have my card on paid while I was without internet. The representative informed me of the " auto pay '' option and set this up over the phone. The representative ensured me that my current bill and future bills would be paid directly from my personal bank account while I was in the wilderness. Upon returning from my trip I received late charges and interest for a missed payment. Furthermore this has negatively affected my credit which I can see on my XXXX  account for the date of XX/XX/XXXX. I would like to have phone records pulled as evidence that this negative report should be removed from my account. 

The second instance occurred on my bill from XX/XX/XXXX. Auto pay was turned off by BoA and late fees and interest was applied to my account. I called in to have auto pay re-instated and fees reimbursed.

The third instance occurred on my bill due XX/XX/XXXX. The autopay was never turned on as promised by the representative and there are still late fees and interest showing as due from the previous billing cycle.
Consumer complaint received 2019-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (TX)

I have been a US Bank customer for 25 years. Despite having no branch locations where I live, I've maintained the relationship. While traveling, I deposited an insurance settlement check in the approximate amount of {$4900.00} at a US Bank ATM in XXXX XXXX, NM on Friday XX/XX/XXXX. The check was made payable to myself, my wife, and two lien holders. ALL parties had endorsed the check. Nonetheless, US Bank reversed the deposit and now intends to mail us an " indemnified check '' which we are instructed to mail to company headquarters in XXXX, MN  along with a deposit slip.
Consumer complaint received 2024-10-21
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (VA)

Back in XXXX I sent them a debt validation letter requesting information on the debt they alleged I owe in which I gave them ( 30 ) days to comply in which they didn't. I did contact them via phone call in which they was extremely rude and still didn't want to comply I reach out a second time in which they did send me something but it wasn't what I requested.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have not supplied proof under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the allhed debt. nor therefore any such debt in fact therefore exist, ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXXXXXX XXXX XXXX {$1300.00}
Consumer complaint received 2024-04-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MO)

My payments are due monthly on the XXXX. I had made a payment for XXXX payment on XX/XX/XXXX for the payment due XX/XX/XXXX. Then I made an early payment for XXXX payment, due XX/XX/XXXX, on XX/XX/XXXX which exceeded the minimum payment due ( which was the case for both months ). However, I was assessed a {$30.00} late fee to my VS MasterCard even though I made the payment ewrlier in the month of XXXX. When calling to request for a reversal of the fee, the agent stated that because my payment was paid on XXXX instead of XXXX, it can not be applied towards XXXX bill- these details can not be seen in the online banking on my end nor is it outlined clearly within their disclosures. The fact that the payment was paid AFTER the prior months due date and BEFORE the next months due date should be sufficient to be applied towards that months payment. Not only was this {$30.00} late fee assessed to my account even though the payment was received in a timely basis, it had interest applied to it even though the statement balance was paid in full for the following month. The company stated that they apply interest charges even though the balance is paid in full unless the account shows a history of the XXXX prior months being paid in full as well. This seems to be unusual, uncustomary, and excessive- I have not had any credit card company require a historical record requirement to not incur interest charges. The agent was only able to credit back {$15.00} of the {$30.00} invalid late fee per company policy. They also stated company policy does not allow for interest to be credited back, so the {$23.00} interest charge is still on my account as well. This appears to be predatory given that they can apply charges, accrue interest on the charges, yet set policies to credit back amounts set at limits less than their own charge amounts.
Consumer complaint received 2024-04-04
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

This dispute is concerning Capital One. The company keeps responding back that the information is reporting correctly. The issue is, this account, Capital one is over 7 years and I want it deleted, just as XXXX 's was. I'm not going to stop pursuing this issue, so stop playing me for a fool and remove it before I do file suit for monetary reasons.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX CA, XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/year>XXXX  My only employer is : XXXXXXXX XXXX XXXXXXXX I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. Sincerely, XXXX XXXX
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Request for deletion of outdated Personal Information To Whom It May Concern, I am writing to request the removal of outdated personal information from my credit report. I have noticed that some of the names, addresses, employment, spouse and phone numbers listed on my report are no longer accurate, as I have updated my contact details. 

Please delete the following outdated information from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete all others. 

XXXX. I am not a XXXX XXXX. Please delete. I never had a company nor worked for XXXX XXXX XXXX. 
I currently work for XXXX XXXX XXXX XXXXXXXX XXXX as a XXXX XXXXXXXX 
Address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

XXXX. I never have been in connection with a person named XXXX. I do not have a spouse named XXXX. Please delete. 

XXXX. My correct name is XXXX XXXX XXXX. Please delete all others. 

Please update my information. Thank you.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

I contacted XXXX, XXXX, XXXX and Equifax starting XX/XX/XXXX numerous of times informing them that they are reporting late payments on my student loan during the time of federal loan student forbearance. The Department of Education suspended payments on my federal student loans from XX/XX/XXXX through XXXX. During this suspension period, my loan payments were not missed or late. They were simply deferred in accordance with the CARES Act and its subsequent extensions. However, my credit report incorrectly reflects late payments from XX/XX/XXXX through XX/XX/XXXX. 

XXXX has responded 4 times saying they made no changes after investigation or they changed something which was not the inaccurate reporting. See attachments. 

XXXX and Equifax never responded. 

XXXX never responded.
Consumer complaint received 2024-11-02
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. (AZ)

The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC. (NJ)

In XX/XX/year> I opened up a contract with XXXX XXXX XXXX utilizing my debit card to complete the transaction. A pre authorization hold of {$500.00} was placed on my debit card. As I extended my rental more pre authorization holds were placed on my account. I called both XXXX and the bank to ensure that I would not be double charged for funds that were already pulled from my account that I could not utilize while they were on said hold. I was told by a SOfi banking representative that once the car is returned the authorization holds would be pulled and utilized towards the bill from XXXX. I returned the vehicle on XXXX. On XXXX I noticed my bank account was negative {$1300.00} the exact balance plus {$300.00} that was put on authorization holds from XXXX and the bank. It has been 48 days since XXXX hold has been released. 

When I contacted SOfi they told me there was nothing that they could do that they could not release pre authorization holds. There was an issue with at least XXXX transaction where I did not approve of the amount. Im now forced to wait until the end of XXXX before I can dispute that transaction. 

Ive used XXXX different debits cards and never had to wait more than XXXX business days for the pre authorization holds to be released. Now my account is- {$1300.00} ( {$1300.00} thats sitting as a hold on the account kind you
Consumer complaint received 2024-11-02
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. (OH)

XXXX XXXX, XXXX : XX/XX/year> : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of account : XXXX XXXX under account # XXXX, An collection Account under XXXX XXXX XXXX : Account # XXXX, Another collection account under XXXX XXXX XXXX  : Account # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I disputed the information for the inaccuracies of the Bankruptcy that TransUnion is reporting. I requested to be provided the steps taken to conduct the investigation and the company that allegedly verified this information. XX/XX/2023 was the date of the last dispute letter sent out to TransUnion, where they failed to provide any of the requested information. In accordance to the procedures set forth below Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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 file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

My consumer rights have been violated by TransUnion which has caused a negative impact for me to obtain credit. Failure to conduct an investigation in a timely fashion, removing inaccurate information has caused me to get a higher percentage rate when I was granted credit. TransUnion claims that the company XXXX is the source of the verification, that company DOES NOT have a report of any bankruptcy on a file that they presently have associated with me.
Consumer complaint received 2024-11-02
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: Experian Information Solutions Inc. (WA)

My credit has been frozen for around XXXX years with all XXXX  bureaus. On XX/XX/year> I was notified that a student loan had been opened utilizing my information. This loan was not for me. They had not done an inquiry on my credit. I disputed the loan with the school that opened it ( XXXX XXXX  ) and XXXX XXXX XXXX ( XXXX ). I filed a police report. I filed with the IRS and SSA, I placed a security fraud notification on my frozen credit files. In early XX/XX/year> I received a notification from XXXX that I had been included in a breach that matched the timeframe that this identity theft activity had begun. That same day, the XXXX loan posted to my credit report. I disputed it with Experian and followed up with XXXX, who asserted that they had closed the loan, there was a XXXX balance due, and that it would drop off my report. Then I received a letter from them stating that it would remain on my credit report as part of an FCRA decision, and Experian closed the dispute based on the FCRA decision, leaving it on my report. I have re-disputed, but the decision to leave it was based on " demographic match ''. Of course it matched. It was identity theft. They used MY identity to open it, so it really should match, right? I'm trying to recover from this as well as other recent credit card transactions that aren't mine, etc., and I would really like this to be removed from my credit report, as the parties involved have all agreed it was identity theft.
Consumer complaint received 2024-04-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NJ)

I initially ordered service at a XXXX store for XXXX  service at my home on XX/XX/XXXX. At that time I signed a XXXX year contract for service. When my contract was up on XX/XX/XXXX I did not sign for renewal for a new contract. My XXXX year contract XX/XX/XXXX - XX/XX/XXXX had a excellent payment history, never a late payment! I continued with XXXX until XX/XX/XXXX on a month to month basis paying all monthly bills on time never late. On XX/XX/XXXX I informed XXXX I am canceling the service and returned their equipment. I was sent a final bill which I promptly paid. On XX/XX/XXXX I received a call from Sunrise Credit Service claiming I owed {$150.00} for an early termination fee. I informed the rep that my contract was paid in full and I did not sign any new contract. I then asked the rep to send me a copy of the new contract which she did not have. The rep informed me that they would look into it and if I did not hear back from Sunrise within XXXX weeks don't worry about it. I did not hear anything back from Sunrise for XXXX  months. I received a call from Sunrise on XX/XX/XXXX different rep same claim that I owed a termination fee. Once again I explained the full story to her, she also did not have a copy of a new contract that they claimed I signed. Once again Sunrise was to get back to me with a copy of the new contract and I have not heard back as of this writing. They never got back to me because there is no new contract. I received a notice from XXXX that a collection notice was placed on my account. My credit score for the past XXXX plus years was over XXXX, last month it was XXXX. My credit history is excellent. If I owed XXXX any money I would have paid it, all you have to do is look at my credit history! This is harassment by Sunrise in trying to collect a debt when no money is owed! 
XXXX XXXX
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (SC)

I've contacted Equifax several times about them removing accounts without my permission or consent. Several accounts were disputed without my permission and Consumer Affair was notified no one as well did anything the online portal doesn't allow me to make proper dispute some accounts, I'm not allowed to dispute I've called and informed them of the problem and with no resolution. Equifax has removed accounts without my permission without me consenting when I contacted them and made them aware of the situation, they told me that they would fix it. I since checked and nothing been done about the situation. My credit file has not been properly updated I have purchased tradeline for my credit file to help repair my credit as well became an authorized user on XXXX Credit Card and XXXX Credit card these accounts have never been reported at all since that unauthorized dispute that I never l gave permission for Equifax to open. I have contacted Equifax several time about this situation a bunch of broken promises. Since that unauthorized dispute done without permission nothing been reporting correctly and contacted them several time, I'm on the phone with customer service over hour sometimes 2 not to come up with ANY SOLUTION
Consumer complaint received 2024-11-02
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. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX ; number : XXXX XXXX  XXXX number : XXXXXXXX XXXX XXXX : number : XXXX