davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (OH)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I paid off my balance. Then I accidentally transferred an extra {$5200.00} instead of sending it to my savings. That was XX/XX/XXXX. On XX/XX/XXXX I requested they return the money to my checking account. Bank of America visa said it would be 5-10 business days. XX/XX/XXXX was ten business days. I called on XX/XX/XXXX and then said I would have the money by close of business day. I still do not have my money. Thats a very scary amount of time to not have my money yet returned to me.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (FL)

My venmo account was suspended XX/XX/XXXX after transferring money from my account which i received a deposit. i transferred {$500.00} to my venmo account just to hold as my savings. i already had {$450.00} dollars in the account so i dont understand where this would become suspicious, but i understand its better safe than sorry. so i recieved the email and the instructions were to JUST provide documentation that shows my name is the same as the primary holder, which i did i uploaded my Drivers license. THEN XX/XX/XXXX, i received an email from an account specialist that stated i now need to provide documentation that shows i have access to the accounts i have on file. the account is fairly new so i dont have my bank statements as of yet but i have uploaded my transactions, my last XXXX digits of my card info which has my full name, my issuing bank info, and my account settings which show my name and the last XXXX digits of my account and routing number. i received an email 30 minutes to an hour later stating the documents were not able to be accepted so i uploaded my direct deposit information to provide to my employer, at this point i provided the whole digits, because at first the only documents they wanted was my DRIVERS LICENSE TO VERIFY THAT I OWN THIS VENMO ACCOUNT. i have money in there and i just want my money i have bills coming up and venmo is constantly playing with my time & money.
Consumer complaint received 2024-08-23
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. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Unifin Inc. (MD)

Unifin calls everyday, at least once a day, up to three times a day. If I don't answer, they generally leave a message. I answer once or twice a week and inform them that I will not be giving them personal information over the phone. I have asked several times to only communicate via mail. I have asked for a debt verification letter. I have receved nothing but these phone calls for months. Some of their agents hang up on me at this point in the conversation ; others argue with me and try to insist I give them personnel information, including my address and SSN.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America/ Merrill failed to honor their cash offer which I signed up for ( see offer enrollment letter ). The offer states that it is valid for new and existing individual Merrill IRA or Cash Management Accounts ( CMA ). My XXXX account was opened on XX/XX/scrub>/24. The offer fine print lists 5 steps under How It Works for getting the cash reward. Step 1- enroll in the offer, which I did. Step 2- fund your account with at least {$20000.00} in qualifying net new assets within 45 days of account opening. I funded it with {$140000.00} on XX/XX/scrub>/24. Step 3- enroll in Preferred Rewards, which I did on XXXX/XXXX/24. See attached email from Bank of America. Step 4- After 90 days from meeting the funding criteria of Step 2, your cash reward will be determined by the qualifying net new assets in your account. My account balance on XX/XX/scrub>/24, the XXXX day after funding was {$250000.00} ( see XXXX statement ). According to the offer, I should be getting {$1000.00} in cash reward. Step 5- Your one-time cash reward will be credited to your CMA within XXXX XXXX following the end of the 90 day period. After getting nothing and inquiring about my reward, a Merrill agent told me that I am not qualified. I am filing this complaint to request Bank of America/ Merrill to honor their commitment because I have completed all of the steps listed in the offer.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I am filing this complaint regarding the inaccurate reporting of an auto loan by XXXX XXXX XXXX XXXX Account ending in ( XXXX ), which has negatively impacted my credit report. I recently submitted a report and the wrong account was adjusted. 

Here are the relevant details of the situation : 1. Loan Details : This was an auto loan for a vehicle that I traded in on XX/XX/year>. The dealership promptly paid off the loan to XXXX XXXX XXXX XXXX on XX/XX/year>, using a check, which I will include in this report. 2. Issue with Reporting : XXXX has been incorrectly reporting a 30-day late payment for this loan. I have been disputing this matter for several months, but XXXX continues to report false information. They have also changed the reporting details several times during this process. As of now, the following incorrect information is being reported on my credit file : First Delinquency Date : XX/XX/year> ( This is inaccurate. ) Date of Last Payment : XX/XX/year> ( This is inaccurate as well. ) Date Closed : XX/XX/year> ( While this is correct, the context is being misrepresented. ) 3. Incorrect Reporting Practices : According to my communication with XXXX, they claim the 30-day late payment is based on when my last payment was made. However, this should be based on my original payment due date, which was not 30 days past due at any time. I believe this reporting is a violation of accurate credit reporting standards. The account was in good standing, and the loan was paid off in full by the dealer within the appropriate time frame. 

Attachments Chartway check.jpg
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (WV)

Hello, I have an issue with First National Bank of Omaha, I signed up for an Amtrak Guest Rewards card recently. I will include the screenshot. They have two cards. I signed up for the " Amtrak Guest Rewards @ Mastercard '' the card that was on the right that has " no annual fee ''. Surprise to me when I receive my statement I am being charged an annual fee of {$100.00} which means they have me under the " Preferred Amtrak Guest Rewards '' card. I read over both and I clearly remembering selecting and clicking on and applying for the card that had no annual fee. 

I called in to see if they could help me and they had now idea what to do and said someone would call me back well it's been a few days now and I've not received a call back, but of course I now have a statement saying I owe {$100.00} for my annual fee and it's due on XX/XX/year>. I told them I'm extremely unhappy as this is the first experience with them and I feel mislead and tricked. I know that what I clicked on and signed up for and this is not the card I wanted and agreed to. This is completely unfair and has potential consequences to my credit score if not handled correctly. These companies should be held accountable for their misleading practices. 

On my statement the address is listed as FNBO, XXXX XXXX XXXX XXXX, XXXX XXXX if you need anymore details I'm happy to provide those.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

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 2023-03-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had been living in the XXXX XXXX for a couple of months when I flew back to XXXX XXXX XXXX in XXXX of 2022 and opened an account with Bank of America. Everything was great, no issues. Then all of a sudden I was robbed and my card was stolen in the XXXX and I requested a new one. I tried activating it several times it didnt let me I tried having my mom call the number to be able to activate it, and it didnt let her because I later found out it had to be my number to call them to be able to activate the card. During that process she also tried to go to an ATM and activate it but she couldnt. Days after, I realized fake checks were being deposited into my account. I dont know if when I lost my card in the XXXX, the ones that stole it were able to get into my account. I have no idea. I tried to contact Bank of America, they said they couldnt help me because my number didnt match what they had on file and even after giving them my private information I was not being helped. The day after my account was suspended, I no longer had a bank account. I tried contacting Bank of America again and nothing. They did nothing to help me and there was nothing I couldve done since I was in the XXXX TAKING CARE OF MY SICK GRANDMA. I write that in caps to emphasize how frustrated I am that they are doing this to me when those checks were clearly deposited in the United States during a time I can easily prove I was in the XXXX. They did not bother to ask for any of that information. With all the stress and money problems I had while taking care of my grandma, I left it alone. Then I tried to open up a XXXX bank account and it wouldnt let me. Because of what Bank of America did to my record. If this doesnt get fixed I will be filing a lawsuit against Bank of America XXXX This is just unjust and extremely unprofessional. I thought banks took care of their customers instead of exiling them. Instead of sending me alerts of fraud, emails, or ANYTHING, they decided to just close my account. I hope this will be resolved and doesnt get any further in the legal aspect. But if it has to go there, I have receipts, screenshots, time stamps, locations, everything I need to take this to court and prove how unjust this bank has treated me.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (NM)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-26
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. (IL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials XXXX XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL ACCOUNTS LISTED ABOVE VIOLATED MY RIGHTS LISTED BELOW 15 USC 1681 section 6028 states I have a right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681C ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reports containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes, which ante dates the report by more than seven years 15 USC 1681S-2 ( A ) ( 1 ) a person shall not furnace any information related to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is in accurate 15 USC 6802 No financial institution is not supposed to share my information to third-party people
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (AL)

I looked at my credit report and noticed that there were fraudulent accounts, incorrect public record reporting, as well as, numerous errors in the addresses, telephone numbers, and employment information on my credit report. I then filed several disputes with the furnishers of the information by way of the credit reporting agencies. I then sent additional information to the creditors after they requested it. I did inform them that the items were because of Identity Theft and I also sent in the proper documentation in the form of a Federal Identity Theft Report, A Dispute Affidavit signed and notarized informing them of what I was requesting, per my rights as a consumer under the FCRA ( Section 623 ( a ) ( 6 ) and Section 623 ( a ) ( 2 ) ) ( Section 605 ( B ) and Section 605 ( f ), the accounts that I was requesting to be blocked or deleted because of the ID Theft, ( Section 623 ( b ) ( 1 ) ( E ) ), as well as the remedy for the effects of the Identity Theft. Both the credit reporting agencies and the creditors themselves. received copies of all this information and for the most part, they both basically ignored the laws of the Federal FCRA 15 USC Section 1681-1681y, Section 623 ( a0 ( 1 ) ( A ) and ( a ) ( 1 ) ( C ) Reporting Inacurate Information 623 ( e ) Accuracy of Information Provided by CRA and the finishers of said information.623 ( a ) ( 2 ) Duty To Correct and Update Information These are some of the laws that they have broken.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account America Honda Finance : # XXXX, Account XXXX XXXX XXXX  : # XXXX, Account XXXX XXXX : # XXXX, Account XXXX XXXX XXXX  : # XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

Since XX/XX/2024 and when my loan servicer changed to a new account platform I could not login to my account. I also had set up for auto pay for a flat amount of {$250.00} and instead they began to deduct the minimum monthly of {$180.00} making my total withdrawal increase to {$370.00}. Because this total deducted was not what I requested nor could I find a breakdown on how they came up with this amount I tried to email and call with no luck getting through to a human. In fact, my online account on new platform had me going in circles saying I had to create a new account in new platform, which I had already done. I had to change password almost 5 times. This is crazy because now I cant even update my auto deduction amount. I need to change my payment method and I cant do it.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : I made my payment on time, and the late payment reporting is incorrect. I have attached my bank statements and payment confirmation showing the payment was processed well before the due date. 
Clerical Error : There seems to be a data entry error. The amount listed does not match my payment history. The payment was processed but erroneously marked as late. This needs to be corrected. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-22
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (TN)

I requested a letter to provide verification of this debt. Please send the following information : The name and address of the original creditor, the account number, and the amount owed. XXXX that there is a valid basis for claiming I am required to pay the current amount owed. Afterwards never got any thing back from my request.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

I have been a customer of 23 years with Bank of America ( XXXX credit card ), I never missed a payment and have not been late paying. My wife and I are old school, we get paper statements and send paper checks in to pay our bills. Sometime after making our payment in full for BOA statement for period ending XX/XX/year>2024 I was somehow switched to paperless billing.

We have a business that we run from our house and we receive a lot of mail and didn't notice that our BOA statements hadn't been sent until I had problems using my card ; when I called BOA to see what was wrong they informed me of the billing switch and that I had missed paying for 2 periods ( XXXX & XXXX ). To quickly get a payment out we shared a bank account number to pay at the time, and to have monthly minimum payments made to avoid this happening again.

Once we were paid in full and were switched back to paper billing I found out that my credit was lowered from {$17000.00} to {$500.00} and that my credit score went from XXXX to XXXX. I feel as though the switch to paperless billing was predatory in nature as you must answer a pop up every time you open the app declining paperless billing.