davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

This in regards to The Bank of America settlement and I could not figure out the right information to make a complaint about that in particular. 

I recently saw the news about it and was not surprised because I had personally had this experience with them. They fully convinced me that there was nothing I could do about the situation and everything they did was legal. I did not know what avenues I could take such as filing a complaint with CFPB. 

I had an account with Bank of America for about 2 years and in that time I was never awarded the sign up bonus I was promised during my signing and I was double charged multiple times for overdraft fees. I stopped trusting them with my money and they eventually closed my account. I am wondering if there is anything I can do or is it too late?
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I disagreed with the account listed below which still appears on my credit report even after your investigation. I would like these items to be immediately reinvestigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX  ( Account numbers : XXXX, XXXX, XXXX ) In accordance with The fair credit reporting Act public law 91-506, tittle VI, section 611 subsection A-D. Please provide the names and businesses addresses of each individual with whom you verified the above so that I may follow up. Please send me an update copy of my credit report after your reinvestigation.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to formally submit a complaint regarding several accounts that appear on my Equifax credit report but do not belong to me. The details of the accounts in question are as follows : XXXX - Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX  I have discovered these discrepancies while reviewing my credit report and wish to have them removed promptly as they are not associated with my financial history. These incorrect accounts are adversely affecting my credit score and causing undue stress. 

To resolve this matter, I am requesting the immediate removal of these accounts from my Equifax credit report. I have attached copies of my identification and relevant documentation that substantiate my claim. 

I have previously attempted to resolve this issue directly with Equifax but have not received a satisfactory resolution. As such, I am seeking your assistance to ensure that these errors are corrected in a timely manner. 
. 
Correspondence with Equifax regarding my attempts to resolve this issue. 
Thank you for your prompt attention to this matter. I look forward to your assistance in correcting these inaccuracies on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have sent multiple disputes in regards to the inaccuracy of my discover bank account on my consumer profile with Experian. In that dispute was a detail Credit report, showing the inconsistencies and inaccuracies amongst all three Credit bureaus. After each dispute. I receive a verified and updated dispute results. I then proceeded to send a 609 letter Requesting all documents and investigating or verifying the disputed items and also detailed procedures on how they investigated and verified the disputed items. I then again received the exact same Verified and updated dispute result
Consumer complaint received 2024-07-27
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: Kikoff Inc. (FL)

I signed up for a credit builder loan from Kickoff. I was told that they would give me a {$2500.00} credit line and I would use less than XXXX XXXX of it to build my credit. At the end of it, I would get my money back. 

But at the end of it, the XXXX program after Kickoff took {$20.00} from my bank account every month for 12 months, I was told that I would not get my {$240.00} back because it was a subscription fee. 

I never agreed to that, and when I asked to speak with a supervisor, I got someone from a XXXX country telling me his name was XXXX, that he was a supervisor, and that I agreed to the terms. I asked that the terms that I agreed to be sent to me, nothing was sent but all the money was taken from my bank account Kickoff said that I would not get back. 

The entire team was rude and kept telling me that I agreed to pay them {$20.00} per month for a subscription fee for them to report to credit bureaus, yet my credit score is at XXXX and it never increased. 

Kickoff claimed that I was aware but I never bought anything from them and saw their service as simple as free service to build credit, never as a paid service, and never to pay them {$20.00} of my hard-earned money to give to them so they could steal it and do nothing for my credit. 
This company is a scam and a fraud, please help me to get my money back
Consumer complaint received 2024-08-01
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: CITIBANK, N.A. (IL)

Citi bank over charged me twice on XX/XX/year> for XXXX. Over the course of 2 months, I tried reaching out and repeatedly got no where, each one giving me a different answer, saying I will get the money back, another saying I won, even with the confirmation that they were supposed to send me back the money. 
I got my bank involved and my bank was able to get my money back, but citi card charged back that same amount that they gave the bank to me of {$2700.00}. 
I called and they refused to let me file a dispute, flat out. I called my bank again and she found evidence that I was over charged twice on XX/XX/year>. Now the statements have changed and Im still not able to file a dispute on their website.
Consumer complaint received 2024-07-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (CA)

I opened a new credit card to take advantage of 21 months 0 % interest as my current cards do not have this benefit available. Upon opening my account, I proceeded with the balance transfer option for the new card, entered the card information that I wanted to transfer the balance, and the balance was transferred to an existing credit card with the bank, not the new card.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

Upon reviewing my credit report I noticed an inquiry that I did not authorize. Please send me verification in the form of a contract, bearing my signature, ID, SSN, address, etc, giving you permission to share my personal information with a XXXX  party!
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CA)

On XXXX I received the text message regarding my mailing address being changed, when I opened the Wells Fargo Apps it showed {$5400.00} stealer transfer my money to their account but still pending, I called to Wells Fargo Customer Service Center to STOP/Cancel the payment they told me needs to 10 days for investigation, next day XXXX they withdraw another {$33.00} so I walk-in to nearby Wells Fargo Branch ( XXXX XXXX CA ) their banker told me needs to make an appointment for it, finally I call the Claim Department again they told me they will full reimbursement back to my account and stealer 's account will be suspended/canceled but they didn't any auction taken ( they recorded out conversation ) at the end they refused to pay me {$4000.00}
Consumer complaint received 2024-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

I had XXXX square accounts, which both were deactivated with a higha balance on them. The emails associated with those XXXX accounts are as follow : XXXX and XXXX. 

The money placed on hold and i was told the money will be available to withdraw after 90 days. The days already passed and in fact its been a month after that 90 days expiration date. I tried to log in to these XXXX accounts of mine to transfer the funds to my bank, but I noticed the entire funds of both accounts, were already withdraw and there is no money available in either of the accounts. The combined balance that I had on these accounts, were approximately XXXX XXXX, but it all has been withdrawn by someone to several different bank accounts with different names. Im not sure how XXXX allow that to happen. All the funds has been transferred to several bank accounts with different owners. I tried contacting square several times by email and phone, but they are absolutely not helpful and its a large amount of money that currently I dont have access and request to immediately resolve this issue
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I recently reviewed my credit report and noticed an account from XXXX  XXXX CREDIT CARD that was not reporting accurately, I had a late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint on this date ( XXXX XXXX  ) I'm now requesting you Investigate this account and update this payment to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Consumer complaint received 2024-08-07
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. (NY)

I was never late on my XXXX XXXX. Instead of increasing my credit limit in 2021 they opened an additional credit card. Thus why I have XXXX account numbers from the same company XXXX and XXXX. I was NOT made aware of their error in XX/XX/year> until recently. I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the MAXIMUM POSSIBLE ACCURACY, according to Burke v Experian. I have never been late on payments for the account : XXXX XXXX XXXX. # XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Update the account to Paid on time and never late. Or remove it from my consumer report. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. DELETE LATE PAYMENT.
Consumer complaint received 2023-09-30
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. (CA)

Experian been holding negative items on my credit report for years, holding me back financially. Ive done everything I can to Dispute all negative items, even after some of the items were paid in full or no longer being reported. Every time I try to dispute online, they dont remove the accounts from my credit report. To me is not fair because Ive been fighting identity theft over seven years and I took initiative up on myself to fix everything but I need help ASAP. in addition to credit reporting XXXX XXXX XXXX XXXX falsely closed and reported both my personal bank account and my secure credit card to the credit, bureaus and XXXX XXXX  as account abuse.Bank of the west illegally reported my accounts to be closed until 2029.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (GA)

Subject : Dispute of Inaccurate Information on XXXX, XXXX, and SageStream Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my XXXX, XXXX, and SageStream consumer report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities.

Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute.

Specifically, I request the following details regarding your investigation : 1. Methods Used : Please describe the specific methods and procedures used to verify the disputed information.

2. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

3. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information.

4. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.

5. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken.

Violations of Law : I believe the verification process by XXXX, XXXX, and SageStream may violate my rights under the following laws : 1. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports.

2. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information.

4. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

5. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years. 
I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my XXXX XXXX, and XXXX report. Specifically, I ask that : XXXX. XXXX, XXXX, and SageStream provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. XXXX, XXXX, and SageStream corrects the inaccuracies in my report as identified. 
Enclosed are copies of my XXXX, XXXX, and SageStream report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2022-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$630.00}, XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2024-07-27
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (FL)

I have been up to date on my synchrony bank Lowes card forever. In XXXX they just reported a 30 day late payment so logged in online and it said I was up to date and no payment due until XXXX so I paid anyway. 

When asked I was told this payment missing was in XXXX??? For {XXXX 

How in the world can I be up to date for months and a muster late fee appears? I need this off my report as I am in the process of buying a house.
Consumer complaint received 2024-07-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (WA)

About XXXX years ago I was on XXXX XXXX in the XXXX XXXX. I XXXX  for 6 years and received a signing bonus of $ XXXX, tax free due to being XXXX  on XXXX. 

A little under two years later I was XXXX XXXX XXXX XXXX, civilian court, and sentenced to XXXX  for XXXX. I was separated from the XXXX during that time. 

I was expecting to have to pay back a prorated amount of that bonus since I didn't finish the contract I signed. 

But I never heard anything from the XXXX XXXX XXXX Fast forward to a few weeks ago and a debt of {$26000.00} shows up on my credit report. I started making phone calls and doing some research. 

The Department of Defense turned the debt over to the Department of the Treasury. They added {$13000.00} in fees, bringing the total debt to {$39000.00}. Then the debt was turned over to Pioneer Credit Recovery and they added more fees, bring the current total to $ XXXX. And my employer got a wage garnishment notice, which they are not acting on since I have been out of work due to injury since XXXX XX/XX/year>. I spoke to the collection agency and they are fixed on the $ XXXX, and are not interested in negotiating at all. 

I was never notified of this debt. 

I'm not disputing the original debt at all, I owe the initial $ XXXX. And I can pay that with cash from my retirement account. 

The only payment plan they're willing to work with me on results in a {$1500.00} per month payment. I only bring home about {$4000.00} per month, while living in a high XXXX XXXX I can not afford that payment. And I certainly can't afford the {$950.00} per month, the amount they want to garnish my wages. The next step after wage garnishment is a law suite , according to them. 

I have received absolutely no documentation for any of this. All the information I have is from speaking to XXXX, Dept of Treasury and the collections agency. 

XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (TX)

I have to refile this complaint to FACTUAL DATA because they are not taking actions even how hard I tried to communicate with them about the unauthorized inquiries on my credit document that are genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft also this complaint includes unverified and incorrect information. My address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX, and I go by XXXX XXXX XXXX . My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit records that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint are XXXX. As a consumer, I have the right for request or potentially constrain you to eliminate them when conceivable inside my government and state consumer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. XXXX that unambiguously obliges a depicted of the modus.