davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BMO Bank, N.A. (IL)

This situation has been ongoing for a period of 2 years. I contacted BMO to report unauthorized charges on my credit card. I was advised that I should not have shared my information with the transportation company and to reach out to them directly. After contacting the company and explaining that I was unaware of the charges, they requested my card details to process a reversal. Additionally, I requested for a BMO supervisor to contact me. The supervisor assured me that the charges would be reversed as the company should not have processed them, and a new card would be issued. Following their instructions, I provided the new card details to the company. Subsequently, I discovered that fraudulent purchases had been made using my information by this deceitful company. Despite this, BMO claimed that I was accountable for the charges, closed the card, and marked my account as delinquent. It was later revealed that the company had a history of fraudulent activities. Fortunately, with the assistance of a legal professional, I was able to take action against the transportation company for this debt.
Consumer complaint received 2024-08-10
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. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (TX)

XXXX XXXX XXXX has reported to the credit agencies that I was 30+ days past due for the stamens date XX/XX/year>. This is incorrect and now Im getting denied for credit from other companies due to this
Consumer complaint received 2023-05-12
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. (MS)

I Sent my letter off on XX/XX/2023. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. 

According to the FRCA term investgative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. Please remove these items from my credit report immediately 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
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Dear Equifax, I am writing to formally dispute a fraudulent account on my credit report, specifically XXXX XXXX account # XXXX. This account is connected to an address that does not belong to me and is associated with a shared account, which I have never authorized. I request an immediate investigation and removal of this erroneous entry from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I submitted a claim about a person of fraudulent phone call to trick me into giving money on a form of XXXX gift card, I XXXX the Phone number of XXXX and the first Phone number showing up was XXXX and the person name XXXX answered the call and i purchased a ticket using XXXX gift card that this person asked me to buy, I used my Debit card from Wells Fargo bank and i called back to the phone number and was disconnected and XXXX has nothing to do with this, I got in touch with XXXX and they open a case # XXXX Then i Open a Police report FTC Report Number XXXX and with all that information Wells Fargo Bank refused to reverse the transaction and they incline in behave of the Criminals instead of the client.
Consumer complaint received 2024-08-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (GA)

XXXX XXXX is trying to claim money from an account that has been discharged they keep harassing me with phone calls they have harassed me and demanded payment I've never done business with them and I never gave them permission to handle any of my affairs.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (AZ)

I have been trying to have a late payment reflecting on my credit report corrected for months, I was in deferment from XX/XX/XXXX and the past due payment was reported XX/XX/XXXX, I was advised the credit bureaus would be sent the information as well and any incorrect information will be updated. This is what has happened in the past, I have never ran into such a difficult situation having information reported incorrectly and going in circles with trying to have it corrected. Navient provided me with a copy of my deferment document to send to XXXX  and I did but nothing was corrected. There are other loans that were accurately reported but this specific one has not yet been corrected.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A & O Recovery Solutions, LLC (CA)

I received a phone call from XXXX XXXX XXXX XXXX XXXX alleging they sent a letter to home for a debt. I called them back and the woman was able to verify my entire social and DOB. She stated that I got a loan online from a company called XXXX XXXX XXXX XXXX in XX/XX/XXXX. I know for a fact that I did not and mainly because I was in the processing of purchasing a house at the time, so trying to get any type of loan could be detrimental to the process. I lost my purse with all of my belongings on XX/XX/XXXX so it is quite possible my Identity had been stolen. I also filed a police report in XXXX XXXX, NV where I was living at the time.
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Finance manager illegally pulled the credit more than once for me ( XXXX XXXX ), and mom ( XXXX  ) with institutions we never instructed the sales person. We only authorized to apply with XXXX XXXX XXXX and he pulled with XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXXXXXX ( never authorized ), XXXX XXXX ( never authorized ) and XXXX XXXX ( never authorized ). XXXX XXXX XXXX directed the auto loan to XXXXXXXX XXXX at a higher rate than the one with our financial institution, and falsely tried excusing himself using a credit score of 760 for my mom, to which we demonstrated 829 for 2 agencies and 798 for one for her, and the ability to get the best rate offered by our financial institution of 5.24 %. After being caught amazingly he lowered the rate for the non preferred institution to 5.33 %. The fraudulent practices by this individual are performed after a 5 hr long period and with the individual not letting the customers read the full documents, and speeding up not to be caught. Fortunately I caught him, after I paid XXXX with my credit card to the dealer, and his behavior was certainly strange after demonstrating all his lies and illegal practice. The fraudulent actions damaged my wife 's and my daughter 's credit score with the inquiries, and they ended paying slightly more to the non-preferred institution, abusing of the three persons involved in the purchase ( my mom, my dad and myself ) being tired of the unpleasant experience of buying a car with them, and arguing about : 1 ) trade-in value ; 2 ) being forced by the dealer to buy unwanted additional items not yet installed ; and 3 ) The fraudulent actions from XXXX XXXX XXXX to earn a referral fee from XXXX XXXX  XXXX Regardless of that the fraudulent Finance Manager pulled the credit with 6 unauthorized institutions instead of pulling with the only one instructed to the sales person XXXX XXXX which was XXXX XXXX XXXX, damaging the credit for both myself and my mom.
Consumer complaint received 2024-08-12
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PLANET HOME LENDING, LLC (CA)

My mortgage payment was reported late after it was transferred to another lender. According to the Real Estate Settlement Procedures Act ( RESPA ) there is a grace period after a transfer to a new servicer. My payments were incorrectly reported as late to the credit bureaus. I contacted Planet Home Lending via phone call on XX/XX/year>. They notified me they were aware they were in violation of Real Estate Settlement Procedures Act ( RESPA ) and stated they would send a correction letter by XX/XX/year>. I never received the letter. The account still shows as late on my credit reports.
Consumer complaint received 2024-08-06
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: EQUIFAX, INC. (GA)

I am writing to follow up on unresolved discrepancies within my credit report. Despite previous communications and a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), these issues remain unaddressed. Immediate attention to these inaccuracies is required as they are causing significant distress and potential financial harm.
Consumer complaint received 2024-08-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (NC)

I contacted the company in regards to paying off the balance at the end of the 90 day pay off period the last date when i was able to make the payment the company shot my payment up to XXXX when the pay off amount was supposed to be XXXX dollars and ever since Ive contacted them to reduce my payment back down to the original price the interest keep rising on the loan and i cant afford that amount
Consumer complaint received 2024-08-06
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 (CA)

I started a BOA XXXX signature account in XX/XX/year> and made some purchased my very first month. I made my first monthly payment of {$35.00} on XX/XX/XXXX and around the same time called BOA to setup an auto payment. I was told by the rep that this would be done. Months later I received a phone call asking to verify my identity and account information, I was suspicious of who was calling and and told them to write to me. Around XXXX of XXXX I find out that BOA has reported my late. When I called BOA to find out what was going on, the rep on the phone told me that payments were over due and auto pay had not been setup. The rep also acknowledged that I was " misled '' by the prior rep into believing that auto pay would be setup, whereas in actuality BOA can not setup auto pays on the phone. The rep also said that because this was BOA 's error, the rep would put in a request to BOA 's internal depts to remove the late payments. Unfortunately some time later, BOA responded back and said I was the person at fault and the late would not be removed.
Consumer complaint received 2024-08-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Dear Capital ONE Auto Finance ; I was shocked TODAY when I reviewed my credit report with my loan officer and found late payment between XX/XX/2023 ; and XXXX to XX/XX/2023. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements, probably when i was XXXX and sick with XXXX. And also my only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-03-27
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: EQUIFAX, INC. (PA)

I am filing this complaint to address the persistent inaccuracies and incomplete information on my Equifax credit report regarding the XXXX XXXX XXXX XXXX account. Despite multiple disputes and efforts to rectify the situation, the inaccuracies persist, adversely affecting my credit profile. 

I have attached the dispute results from previous disputes filed directly with Equifax on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XXXX, which all resulted in accurate information being removed and replaced with further inaccuracies. Additionally, I filed a dispute with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2022, regarding this matter. Complaint number XXXX.
Consumer complaint received 2024-08-06
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: AMERICAN EXPRESS COMPANY (CA)

Hello, so i have purchased XXXX  from XXXX XXXX XXXX XXXX separate transactions amounts are {$22000.00}, {$22000.00}, {$18000.00} i will attach the letters from American Express, this purchase was for my business it was XXXX XXXX, i ordered the XXXX XXXX and i paid in advance i also have communication letter with the company that i made purchase from, when the time was to be delivered the company contacted me telling me that they have issues with there merchant and bank account and they are not able to refund the money or send me the XXXX XXXX and they recommended me to call my credit card issuer and dispute the transactions, so i had no choice but to dispute it, so i called American Express and explained them what happen and they opened the dispute claim and i already paid off the balance i had with them so they issued me a temporarily credit and after investigation they denied my claim saying that based our review, we believe no goods and/or services were purchased or exchanged in this transaction Hence, we are closing the dispute case. And they have also closed my American Express Business Credit Card. 

I will attach the bank letter and also communication letter.
Consumer complaint received 2024-08-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (CA)

So on XXXX my boyfriend XXXX XXXX had sent me some XXXX to my Cash app account, but for some odd reason I'm not able to get into the account all of a sudden. So I had followed the steps on the screen to try to gain access to my account which your only options are to locate account by phone number, email address or cash tag XXXX which in this case I used my cash tag XXXX $ XXXX it then all of a sudden wanted second verification which was either entering cash app pin number, cash app card number or your linked debit card number. So I entered my cash app pin number as I don't have a cash app card and I had entered my debit card on file and it's telling me it's wrong. So I ran out of attempts now the only option is to enter cash app card number which I never obtained one So my boyfriend XXXX XXXX cash tag name $ XXXX email address XXXX reached out to cash app and explained the situation and before even stating ichat it provides you with a list of options to chose from to let them know what you are reaching out for. So he selected cancel transfer the agent comes on to the chat and tells him that they can't cancel it well why was it an option so he had explained to them that he had sent it to me and that I was having issues getting into my account. They told him that they can't provide him with any information until he's logged into the account that he's having issues with First of all it's my account so how can heog in secondly I can't even get into my account to begin with. So they told him to tell me to create a new account and reach out to them and they will be more than happy to help me out with getting into my account so that's what I did So I had reached out to live chat and explained the situation and the Guy said before he can help me get into my account I need to verify my identity which is pretty strange as it was already verified but what ever he sent me a link via text and it wanted a clear picture of the front and back of a valid ud or driver 's license and a selfie so I did he said to let bim know when i was done and i did He then all if a sudden said that he couldnt help me get into my account and that i needed to verify my identity for the account that i had just created no u dont think so
Consumer complaint received 2019-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo has continued to allow unauthorized transactions on my account since 2015. Consistently processing my debit card 3 and 4 times in a row in a twenty four hour period, claiming insufficient funds, applying a XXXX $ for each then approving the final attempt. Sending me overdraft further and further each month. Eventually I was forced to live on less than XXXX per month for a year before finally my account was overdrawn before my direct deposit was processed. The applied a freeze or hold on my social security direct deposits. Claiming I needed to unfreeze my account by bringing it to positive balance to reactivate it. My direct deposits were then returned to social security as it appeared my account was closed to the computer mot on HOLD as they claimed, then released after 5 days. I contacted social security for six months each time updating my bank info to be deposited each month, but it continued each time. When I tried to switch banks for my direct deposit I was notified if I transferred my deposit info to a new financial institution I'd be charged with bank fraud for closing my negative account. Help please..
Consumer complaint received 2024-08-13
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: HYUNDAI CAPITAL AMERICA (MD)

The negative rating on my account is a source of great XXXX  for me. I'm extremely concerned about how it may affect my creditworthiness. This rating has already led to a rejected loan application and higher interest rates on my current credit accounts. I can not overstate the financial hardship and emotional strain this unfavorable rating has caused and will continue to cause until it's addressed.