davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Opportunity Financial, LLC (FL)

I have contacted XXXX/Opploans located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX on several occasions informing them of two accounts that are listed on my credit reports that is not mine. I am a victim of identity theft and fraud and I believe those accounts were opened without my knowledge or consent the first date showing on my credit credit showsXX/XX/XXXX and the second account listed as open onXX/XX/XXXX. Please provide clear and concise documentation showing I have opened these accounts or if you can kindly remove this error from my credit reports.
Consumer complaint received 2024-09-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have 3 accounts with Bank of America. Accounts ending in XXXX, XXXX, XXXX. Ive always managed my cards correctly havent had any problems paying what Ive used, and always tried to keep a good relationship with Bank of America. So recently Ive missed a payment or 2 on one or more of my accounts. I contacted Bank of America to see if they were able to put me on a hardship program so I can catch back up with the relationship that we had. I was then informed that all my accounts were closed and that they were offering some type of settlement. This is unheard of usually accounts are closed after 6 months or continuous non payments i literally only missed one payment on one account XXXX and I believe 2 on the others XXXX, XXXX. I then asked that if I agree to a settlement will can they do a good will and remove it from my credit report and delete the account. They refused and gave me a hard time, stating that will absolutely not happen verbatim. They offered a settlement of 55 % on account XXXX which is unbelievable. I didnt even want to close my accounts or for it to come to this I cant believe a relationship I thought was great is ending like this because of one missed payment. Truly unheard of, I had no intentions on this happening just literally wanted to get on a hardship program to catch back up. I want to come to a solution, Id really like to avoid filling bankruptcy where Bank of America would get nothing but it seems that theyre unwilling to compromise.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

INQUIRIES MADE BY PHONE ( DISCONNECTED IF REQUESTS ASK FOR LIVE AGENT ) AND EMAIL ( SAME FORM STATEMENT AND QUESTIONS PROVIDED FOR EACH EMAIL INQUIRY ) MY INQUIRY IS SPECIFIC TO A STATEMENT MADE AS CLARIFICATION FOR CHANGE EFFECTING LOW SCORE. 
1 ) WHAT COMPANY OR LENDER WAS RESPONSIBLE FOR -- CREDIT LIMIT DECREASE? 
" Comparing reports from XX/XX/XXXX and XX/XX/XXXX COULD HURT Your total credit limit decreased by {$500.00} Your credit limit decreased from {$14000.00} to {$13000.00}, which typically means either a lender decreased your credit limit or you closed a credit card account. '' 2 ) INCORRECT ADDRESS ATTRIBUTED, DELETE FROM MY REPORT : XXXX XXXX, XXXX XXXX ) CREDIT HISTORY DOES NOT REFLECT ACCOUNTS FROM OVER 50 YEARS? WHY?

I REQUIRE COMPLETE AND EXPLICIT EXPLANATIONS TO ALL 3 INQUIRIES.
Consumer complaint received 2024-09-12
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: Experian Information Solutions Inc. (NY)

As a protected consumer under federal law, specifically the Fair Credit Reporting Act ( FCRA ), I am disputing several unauthorized inquiries on my credit report. These inquiries appear on my report without my knowledge or consent, raising concerns about potential identity theft or a violation of my rights under the FCRA. According to FCRA Permissible Purposes ( Section 604 ( a ) ( 3 ) ) it requires credit reporting agencies to have a " permissible purpose '' to provide your report. Unauthorized inquiries wouldn't fall under any permissible purpose. Remove these unauthorized inquiries immediately from my credit file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2021-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

My company banks with Chase. I mailed out a check for {$6000.00} to my vendor Check # XXXX. The Check was stolen out of the mail and mobile deposited into a XXXX XXXX  XXXX XXXX account. The name on the check is not the person that deposited it. I opened up a claim with my bank Chase on XX/XX/XXXX. On XX/XX/XXXX I received a letter that I need to provide more information. I filled out the paperwork and sent that in. Chase confirmed receipt on XX/XX/XXXX. Chase mailed a letter to me saying XXXXXXXX XXXX XXXX XXXX is responsible for repayment, it also said they have reached out to XXXX XXXX  to resolve. I called Chase several times between XX/XX/XXXX - XX/XX/XXXX and was told that XXXX XXXX  is not responding to any of the requests and they have until XX/XX/XXXX to respond. Chase sent a letter dated XX/XX/XXXX saying that the Chase is closed the claim due to XXXX XXXX  not responding, and that if I wanted to recover the money I would have to reach out to XXXX XXXX  XXXX XXXX. I reached out to XXXX XXXX  on the phone XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX Each time I am told that the fraud department would reach out to me. Not one time did they reach out. I started a claim at XXXX XXXX  XXXX XXXX I was told that the case was closed due to the fraud department did not respond to the customer service. XXXX XXXX  also says that they do not show any record of Chase reaching out ever for my claim. I was given an email that chase needs to send their request to XXXX I called chase on XX/XX/XXXX to let them know that I had had an email that they could request the information to. I also asked Chase to see what contact information they had for XXXX and was told they will not give me that information. Chase refused any further help and I was told they have taken all the proper channels of trying to contact XXXX XXXX  and there was nothing else the could do for me. Both Chase and XXXX are telling me that it is past the 90 days and they wont do anything. I filed a claim within the 90 days. both Chase and XXXX XXXX  failed to do their due diligence to rectify this banking mistake.
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was sent a new card by BofA for a balance transfer ( which I thought was through my existing Bof A card ). So I had a new account I didn't know about. Regardless, I noticed and set up automatic payments in time to have them arrive before the due date on the XXXX of each month. On the new statements there has been a late fee of {$40.00} every month, even though the payments are automatic through my bank ( XXXX ) and bank records are showing the payments were delivered 1 to 3 days before the due date.

After an hour on the phone with customer service, I was told they can only " grant '' the refund of XXXX late fee, despite all these fees being erroneous. I let the rep know I have paperwork from my bank to back this up and she insisted the " system '' wasn't responding and she couldn't get any more charges refunded. When I asked if there was an alternative way to solve this, she suggested I call back later ( as if there would be a more empowered person there later? )
Consumer complaint received 2024-03-29
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: BARCLAYS BANK DELAWARE (GA)

I contacted a business called XXXX on XX/XX/2023. XXXX was listed on line as a customer service representative of Frontier Airlines. I was told over the phone, that for a fee of {$99.00}, that they would reverse the fees charged for XXXX air flight tickets, and return the XXXX XXXX, I used to the tickets. I gave them my credit card number at that point, and they charged my credit card the {$99.00}. Then the company did absolutely nothing, for my previous payments for the flight tickets. When I discover I had lost everything paid for the flight tickets, I recontated XXXX at XXXX. I was put on hold for several minutes, then disconnected. I then searched the company online and discovered that it is a total fraud company, and had tried to steal from XXXX of people. I then contact Barclays and reported the fraudulent charge, and gave them all the information, and that I had received absolutely no service from this company. 
Barclays originally reversed the charge, then put the charge back on my account on XX/XX/XXXX. And gave me no information on what I was charged for.I believe Barclays, or someone within Barclays may be a party to this XXXX XXXX. 
Barclays continued to call me to the point of harassment, for more information, after I told them there was no more information. But, would not give me any information on what the service I was charged for. Then sent me some papers that were totally in legible.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

To Whom It May Concern, According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Listed below are the Personal Information that are being challenged : Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX, CA XXXX Incorrect Name : - XXXX XXXX
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : 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 Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following i nformation : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 


Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KS)

USAA POLICY NOT PEOPLE I am in the process of moving. Money is in motion, and I had a payment returned ( I covered it immediately ) I saw what had happened and took out a loan against my XXXX to shore things up. The money was sent by check because I had not set up ACH. The XXXX is held by XXXX, and represented a loan against my own money. I deposited the check via mobile deposit and USAA placed a ten day hold on the funds. When I called in to see about getting help I was told by the agent I was being punished because of the returned payment. I reached out to their executive team and was told that was their policy. The funds have already settled in the account. There is no risk to USAA. I have turned off my direct deposit, and have removed the account from all payment areas. I am moving my insurance elsewhere. My mortgage and car loans will be done locally. This is a company that places policies and punishment over people. I will not send them another dime. XXXX in their executive customer service did nothing to assist.
Consumer complaint received 2023-03-21
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: GOLDMAN SACHS BANK USA (TX)

I have tried reaching out to the company, XXXX XXXX XXXX GOLDMAN SACHS BANK XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX This company has placed erroneous information on my credit report. My identity was stolen and was used to apply for a credit card. If you would take a closer look at my credit history, I have impeccable credit, no attempt by creditors to collect, no late payments or defaults of any kind and have never defaulted on a loan, so why should I do so now? Even though the company closed the account, Remarks CLOSED BY CREDIT GRANTOR. My credit report still shows that there is a balance of {$8900.00} and I don't want this showing on my credit report. This company should not even be on credit report at all. 

Here are some additional questions that I feel should be investigated : Does the company show where they mailed the credit card to, was it to my home address or to an email address? Was it a credit card or was it an e-card? Do they show when and where purchases were made by me, the real XXXX XXXX? Did they ever send me a statement of any sort, or do they have any other proof that I actually received the card?
Consumer complaint received 2024-09-12
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. (MD)

I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-12
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. (NC)

I am writing to formally express my concern regarding the inaccurate and disputed accounts currently reflected on my credit report. Despite multiple efforts to address these issues and my requests for a thorough investigation, I have yet to receive any resolution or corrective action. 

These erroneous accounts are not only damaging my credit file but are also causing significant hardship in my daily life, affecting my financial stability and opportunities. The ongoing negative impact has left me with no option but to plead for your immediate assistance in rectifying this situation. 

I kindly request that you conduct a comprehensive investigation into the reporting of each of these disputed accounts. It is crucial that the necessary corrective measures are taken to ensure the accuracy and integrity of my credit report without any further delay. 

I trust that with your help, this issue can be resolved swiftly, allowing me to regain control over my financial well-being. Your prompt attention to this matter would be greatly appreciated. 

Thank you for your understanding and cooperation. I look forward to receiving confirmation that the investigation has been initiated and the errors have been corrected.
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 — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-06-30
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} 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 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 2024-09-12
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. (MI)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.