davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
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)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (CA)

On XX/XX/2023 XXXX charges from merchant XXXX XXXX  was made on my at the time bank of the west account which is now BMO bank. i had placed XXXX order online with the merchant which was shipped out to me in XXXX shipments so they had split the charge to XXXX since it was shipped in XXXX parts. charged {$2500.00} {$2100.00} {$350.00} the items were shipped back to merchant using XXXX tracking XXXX. Weighed XXXX lbs signed for by XXXX delivered on XX/XX/2023. you have XXXX  days to return anything with the merchant. merchant for a week said they will refund me and gave me the run around i never got the refund so i contacted my bank to file a dispute. i filed my dispute was told i would have a temporary credit in XXXX  days while they work on it. i never got that temporary credit and on top of that bank of the west now bmo bank ignored me for over a month i had to chase them down. after ignoring several emails by a supervisor XXXX and my so called fraud department agent XXXX i got sick and tiered and decided to write to there corporate and file a claim with you guys. i have still been chasing them down and have had no luck getting any answers from them. XXXX weeks ago i got XXXX answer from XXXX who re opened the case because they are claiming merchant said it has been returned/exchanged in. store but there is no proof of who or whom, did this what card a return or exchange was done on and i do not understand was it a exchange or return. they have been lying to me and since i did not fall for the lie they claimed to have re opened the claim which i highly doubt. i have no proof of that return exchange or who ever did it if it was done or how that could have even happened if my package clearly shows delivered and it transit at those times and merchant signed for it also. i am beyond angry and upset with bank of the west now bmo bank for treating me this way. i have my proof of return which is my tracking i should be getting my funds back to me instead of helping me they are ignoring me and not doing anything at all. it has been the worst experience and they are the worst bank who lies and treats their customers like XXXX. they have a full fraud liability and i as a customer am saying the merchant is doing fraud they received my merchandise and are not refunding me and my bank who is suppose to protect me who has my trust with my money is doing nothing and on top of that ignoring me at all costs. never bank with them i am so glad i did not take my XXXX business accounts to them because they way they get you to be a customer is all lies. the claim numbers with the bank is XXXX. XXXX. XXXX
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My problem at this point is with Bank of America. 

I was charged {$7000.00} from the time from of XX/XX/XXXX to XX/XX/XXXX. The posting times differ from the dates they were made but they were made between the XXXX and XXXX of XXXX. 

My phone was stolen and stupidly I had all of my passwords written in my notes app so whoever took it was able to not only access all of my apps but also use my card attached to XXXX XXXX. I filed a dispute with Bank of America originally I believe on XXXX the XXXX. I then reached out to XXXX of the merchant ( XXXX ) via phone they told me there was nothing that could be done because the safeguarding of account information is not their responsibility. On XXXX the XXXX Bank of America denied the claim. I immediately called provided detailed information that my phone was stolen with all of my information I had to change my information for all of my accounts I got charged separately on my XXXX account and my credit card as well. They took all of this information and resubmitted the claim. Bank of America then reopened the claim and told me a reopened claim will take XXXX days to complete compared to the usual XXXX that was on XXXX the XXXX I have contacted them multiple times and they have stated they are waiting for the merchant ( XXXX  ) to send the relevant information showing I was the one who made the transactions. I finally called today being the XXXX days is almost up and the response was the same the merchant still has not provided the information almost a month later. They then stated it could take up to another XXXX  days for the investigation. Its ridiculous at this point I wasnt provided a credit which i understand but its a lot of money to be out and its going on XXXX months.
Consumer complaint received 2023-08-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2017-03-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (AL)

Navient services all of my federal loans as well as private loans. However, there is XXXX loan to which I have a discrepancy with. I 'm not even sure I even owe the money that Navient claims that I owe. I submitted an application in XX/XX/XXXX requesting to borrown money. However, I ca n't recall ever receiving the money. It is a {$27000.00} loan that Navient said was sent directly by me, however there is no documentation on my end that this check was ever deposited in a bank. And the loan has accelerated in penalities and interest to {$80000.00} which they wo n't reconciled by XX/XX/XXXX. I have requested in writing by certified mail, as well as in numerous telephone conversations that they send me a copy of the signed promissory note and front and back of the endorsed check, to which their either ca n't or wo n't provide. Yet the phone calls are relentless. They call my phone 3 to 4 times a day, have called my work and left a message ( which I work for a alternative school and am not allowed personal phone calls ) and they send letters and calls to other members of my family. I am not avoiding them, but have simply requested proof that I actually borrowed this amount of money. And I have also requested a reconciliation of all of my accounts being serviced by Navient in an attempt to find another loan institution that would be willing to consolidate the debt for me and give me a monthly amount that perhaps, I could afford to pay. That request has not been honored either. They say that on XX/XX/XXXX, they are going to turn me over to a lawyer, but yet will not provide me with the documentation I believe I am entitled to review.
Consumer complaint received 2023-08-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

equifax has ignored my request that was mailed to them on XX/XX/23. My request was to go over some items that seem to be invalid and i wanted to inquire on some things i didnt know were causing issues with my credit.
Consumer complaint received 2023-08-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Westlake Services, LLC (TX)

I have requested numerous validations of debt from a debt collection company by the name of ( XXXX XXXXXXXX  ) that is trying to collect an amount of {$17000.00}. The company has sent me the same documents multiple times showing where they bought the debt from XXXX Westlake Financial ) consisting of a bill of sale, the retail installment contract between ( XXXX ) and I ( XXXX XXXX XXXX ), The credit application that I ( XXXX XXXX XXXX ) used to apply for financing with ( XXXX ) along with the used car bill of sale that I ( XXXX XXXX XXXX ) signed with ( XXXX ) and a Notice To Sell Property by ( Westlake Financial ) at a public auction after the vehicle was repossessed. Nowhere in there Verification of Debt has ( Investment Retrievers ) provided legitimate paperwork with my signature in ink saying that I agree to pay ( Investment Retrievers ) for the debt that was owed to ( Westlake Financial ). They have participated in 15 U.S.C. 1962 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. states that a debt collector can not practice. And has also tried to sue me for debt that I do not owe to them. This has taken an affect on my livelihood. Please resolve this issue and remove this collection from my XXXX and XXXX credit report. Thank you so much.
Consumer complaint received 2024-09-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

A gentleman came in, he informed my parents he was looking for me. He told them if I did not pay the debt, I would go to jail. My parents were fearful of this illegal tactic, they cried the whole day. 
I need an apology from the debt collection agency.
Consumer complaint received 2023-08-02
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. (GA)

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.
Consumer complaint received 2017-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MI)

I have disputed these XXXX XXXX it has XXXX accounts listed when there was only XXXX account to start with that was actually from fraud. the account report wrong dates, payments, terms, amounts, and balances. I did not know how to approach the situation about the fraud and was sued i found out when i was in the process of buying the house so i ended up paying the judgment and i am still trying to refinance because the credit bureaus refuse to correct this information it is causing me great financial harm the judged learned what happened he removed the judgement. Upon speaking to XXXX they stated that they are not verifying this information with the credit bureau. The credit bureau will not remove this information. I am including the offical stamped letter from the judge stating that the debt that i have with XXXX is satisfied.
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

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 2023-08-01
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. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$840.00} XXXXXXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX : {$580.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX  XXXX Balance : {$5300.00} XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Dear credit bureau, I was reviewing my credit report and found inaccuracies on my credit report. The creditor, XXXXXXXX XXXX, was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance of the alleged account. The alleged debt dollar amount and late payments appear to be inaccurate. I didn't receive the paperwork and the account needs to be removed as laws have been broken. How did your credit Bureau verify this account and what information do you have to send me proof of proper investigation? I want itemized receipts about the account as well. If you do not have this documentation and can not provide it within the next 30 days, i demand the account listed below be deleted immediately for violating my FCRA rights. XXXX XXXX XXXX
Consumer complaint received 2024-09-25
Product: Credit 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: CLGF Holdco 1, LLC (PA)

XXXX XXXX XXXX responded on XX/XX/2024 a balance of XXXX is incorrect. 
XXXX XXXX needs to update there records. 
Attached is a current statement from XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Total Auto Finance (DC)

In accordance with The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy. 15 USC 1681 states 604a section 2, it states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end Consumer Credit plan as late for any purpose.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My account was closed on the XX/XX/year> and I was expecting a refund of the remaining balance of {$610.00} in my checking account. However, this did not come through and all effort to get this money refunded were all to no avail
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (IL)

On XXXX XXXX I made a mobile check deposit with ally totaling in XXXX I explained to them it was a tax refund check and it was sent from XXXX which is the number on the check I even called the business on the check and they said it was paid out to ally I was gave a date which was XXXX XXXX I still havent been able to access my funds! I have a lot of responsibilities and I would have never did this if I knew it was going to be so much trrouble the customer service barely wants to talk to me about anything I offered emailing mailing any documentation identification etc and nothing is being accepted this has been the worse experience of my life knowing Im giving all Information thats needed and im still being held from my money and blocked out my account
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: KEYCORP (WA)

KeyBank in XXXX did not credit payments on the same day as in branch payments were made. Our payments processed and cleared our checking account the same day they were made on either the XXXX or XXXX of each month. We were assessed late fees on the XXXX of the month. 

Truth in Lending Regulation Z seems to be clear that the payment is to be credited the same day it is received by an in person presentation of the payment at a branch office.

1026.10 Payments ( 3 ) In-person payments on credit card accounts ( i ) General. Notwithstanding 1026.10 ( b ), payments on a credit card account under an open-end ( not home-secured ) consumer credit plan made in person at a branch or office of a card issuer that is a financial institution prior to the close of business of that branch or office shall be considered received on the date on which the consumer makes the payment. A card issuer that is a financial institution shall not impose a cut-off time earlier than the close of business for any such payments made in person at any branch or office of the card issuer at which such payments are accepted. Notwithstanding 1026.10 ( b ) ( 2 ) ( ii ), a card issuer may impose a cut-off time earlier than XXXX XXXX. for such payments, if the close of business of the branch or office is earlier than XXXX XXXX
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (AL)

My checking account with Chime online Banking was emptied out by 7 unauthorized transaction within a 3 day period all to the same person or account. The total was XXXX dollars I had no access to my account so by the time I realized what happened it had been several days I started on the XXXX of XXXX dealing with Chime about this because my XXXX check was also taken in these 7 transactions. When I made chime aware of the problem the said they would look into it and see what ha8. They approved me for a temporary credit but never gave me access to it. I kept calling each day they would give me the run around but send out automated emails saying they found no wrong doing in the transaction first time. So I filed a rebuttal and went to my sheriff 's office and filed a police report about the missing money and the 7 unauthorized transaction then again they sent a automated email saying they spike to the merchants and again found them not at fault I asked for them to show me the statements where the money went and as of today they still have not showed me where XXXX dollars of my money has been spent. I asked them if you talked to the merchants then you are aware of where the money went why want you show or tell me that. Now they closed another rebuttal saying no fault of there's still showing me or my sheriff 's office where the money went They keep closing it out so they can moved the temperary credit date back each time. XXXX went and read what I signed up for with Chime it's states if approved for a temperary credit it goes into your account within 24 hours well it's been over 24 days I've seen no temperary credit I was approved for or ant documentations showing where the money went Now they say I called and closed out the account 3 days before my next XXXX check. Was suppose to be direct deposited. I called them again telling them I did not close out the accounts. Because I was waiting on my temperary credit to go into and my XXXX check. I called today asked to have the account reopened and for them to send me the documents showing where the money went. They said they would email me it but like always they never send out any email at all I did not au5 those 7 transactions that cleaned out my saving and checking account I filed a police report stating I didn't authorize those transaction but chime seems to me is trying to cover up there mistake by ignoring me and closing my account out.