davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have not received a favorable or satisfactory response from Bank of America, the bank allowed them to commit fraud and steal {$4900.00} from my account XXXX for one year and 51 days as of today, all claims were made to the bank offices of America with my attorney 5 months ago and still without a response, this scam that the bank did to me has harmed me economically and morally, affecting my reputation and hindering my work, I insist with this complaint before this prestigious financial consumer protection institution of the government federal government of the United States of America to help me resolve this very serious situation and assert my rights by obtaining the return of my money and compensation for the damages caused by the Bank of America in the face of this fraud, apart from the theft of the money, the bank opened an account in my name which I never authorized, identified with the number XXXX, allowing the theft of my identity, which is why I ask for compensation from the bank in the face of this serious situation and the return of my money, the bank returned the money but without further ado he has not done anything about it nor has he given any signs of compensation for the loss of business, payments, which he put me through, leaving me as irresponsible for not being able to make the payments on time because I did not have the money because the Bank of America did not return my money
Consumer complaint received 2024-06-05
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. (GA)

I reviewed my consumer reports and noticed that I had late payments on some accounts that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on my payments for the accounts that I have included screenshots inside this complaint in on dates XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshots attached.
Consumer complaint received 2024-06-05
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. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

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 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 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2023-09-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

BOA closed my accounts on XX/XX/2023, following their investigating of disputed charges. After having not received my funds I went to the local branch Bank of America XXXX XXXX XXXX XXXX, NJ XXXX. I went to them on XX/XX/XXXX. Together with the associate we called risk security at which point I filled out a hardship case. I was told that I would get my money within five business days. I clarified the amount that I was expected to get for both my checking and savings account and was told I would receive a certified check. Today on XX/XX/XXXX, I was told that the account is still under review and any check that I receive would be through the mail. The fraud charges for which BOA was investigating totaled {$460.00}. In the meantime they are holding my money amounting to sum {$12000.00} in both my checking and savings account. BOA has every right to close my accounts ; however they have no right to keep me from my money for over three weeks.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XX/XX/XXXX
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-19
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (NY)

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.
Consumer complaint received 2023-09-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (MI)

1. Refuses to properly resend and provide proper information to DIFS for refusal to cancel loan for unreceived goods and services. 
2, continues to report to credit beura for late payments for goods and services we did not receive. We continue to be denied for another auto loan causing sever financial distress. 
3. Locked out of account information and they refuse to give balance over the phone. 
4. Continuing to commit fraud. 
5. Continuing to take payments for goods and services not received and we have been threatened if we do not pay. 
6. XXXX, XXXX, and XXXX 3 credit reporting agencies are assisting them in destroying our finances by allowing them to continue to report and allowing the negative posts to stay on report for goods and Servies not received. 
7. Mailing my personal information to different addresses. 
8. mailing they mailed information pertaining to our claims with DIFS the never sent us a single file. the difs did.
Consumer complaint received 2021-02-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc. (PA)

PAM ACCT # XXXX : Requested data previously sent from Professional Account Management , LLC ( PAM ). I was repeatedly receiving debt notices, no longer from NJ XXXX, to whom I paid what was due via an XXXX XXXX credit card. I called XXXX NJ, as I have a Pennsylvania XXXX. The charges were incurred in early XX/XX/2019. I was extremely ill in XX/XX/2019 during that time, and was only able to get my mail sporadically. I was advised that the date I paid XXXX was late XXXX of 2019. PAM claims my file has already been transferred to PAM. My first bill from PAM was for {$400.00}. I explained this debt had been paid, but PAM asked for documentation. This agency, which handles all of New Jersey 's delinquent accounts, has no fax number, no email address, and only one phone number. I forwarded the documentation, and I have requested the contents of the entire file. When I received correspondence back from PAM a month later, the amount due was changed from {$400.00} to {$200.00}. 
When I called to get an explanation, I was advised that the payment was late, and therefore, four late fees in the amount of {$50.00} each had been assessed. I asked why the NJ XXXX operator took my initial payment, and had not included notice of the late fees. PAM did not respond to this inquiry. I believe this agency is either illegitimate or preying on consumers, and I respectfully request assistance in resolving the situation.
Consumer complaint received 2024-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (PA)

I am writing to express my dissatisfaction with the response provided by Chase Bank to my previous complaint filed with the Consumer Financial Protection Bureau ( CFPB ). The response I received from Chase Bank is unacceptable and fails to address the concerns I have raised regarding the disputed credit card account. 

Chase Bank 's assertion that I am liable for the account simply because two letters were sent out and not returned is unjustified and lacks merit. It is important to note that multiple individuals reside at the address associated with the account, and thus, the assumption of liability based solely on this criterion is erroneous. Once again, I want to reiterate that I did not directly and voluntarily seek credit from Chase Bank. 

Despite my repeated requests for information and documentation, Chase Bank has continuously ignored my inquiries. I have requested full credit card statements, an email address on file, a phone number associated with the account, and details regarding the payment method used. However, Chase Bank has failed to provide any of the requested information. 

Furthermore, in their response to my complaint, Chase Bank denied selling the account, contrary to the information provided by XXXX XXXX XXXX. XXXX XXXX XXXX has admitted to purchasing the account and has illegally accessed my credit report. Despite providing evidence of these violations, Chase Bank continues to disregard my concerns. 

I have previously submitted FTC reports, proof of certified mail disputes, and all relevant documentation to support my claims. However, Chase Bank has chosen to ignore these submissions and has failed to address the issues raised. 

I am requesting that Chase Bank promptly provide the requested information so that I can proceed with appropriate legal action. I expect a thorough investigation into this matter and a timely response from Chase Bank. 

Thank you for your attention to this matter. I look forward to your prompt intervention and resolution.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am disputing and investigating these wrong accounts on my credit file. I should get {$1000.00} for each mistake under the Fair Credit Report Act. FCRA 605B says we must report wrong accounts on a credit report.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 Dept of EDXXXX XXXX XXXX XXXX and XXXX XXXX : Hard Inquiry, has violated my rights. 

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. 

These inaccurate accounts are stopping me from the ability to get lower interest rate credit cards for my family.
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-03-21
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TN)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (PA)

In XXXX of this year, I began a dispute process with Wells Fargo over a charge-off account that has been inaccurately reported on my credit report for over a year. I sent out two dispute letters via certified mail, one on XX/XX/23 and another on XX/XX/23, stating that Wells Fargo has not only inaccurately reported this charge-off account, but has also sold the debt to XXXX XXXX XXXX and XXXX XXXX without informing me. Despite providing them with all necessary information, including the full account number and documentation from my Wells Fargo online banking portal, they have been unresponsive and uncooperative. They have continued to report the account as if they still own it, even after selling the debt, and have failed to properly address my dispute. In fact, they have sent me letters stating that they do not know which account I am disputing, despite the clear and detailed information provided in my letters. This has been an ongoing issue since XXXX, and despite updating the credit bureaus that the account is in dispute, Wells Fargo has yet to take any meaningful action to resolve the situation. 

This ongoing dispute with Wells Fargo over the inaccurate reporting of a charge-off account has been causing me significant stress XXXX XXXXXXXX. I am fearful that this issue will never be resolved, and it has already begun to have a negative impact on my financial situation. Because of the inaccurate reporting, I have experienced credit denials, making it difficult for me to secure the loans and credit I need. This has added to my stress XXXX  XXXX, as I am unsure of how to move forward and resolve this issue. I feel helpless and frustrated, and I am concerned that Wells Fargo 's lack of responsiveness and cooperation will continue to hinder my ability to improve my credit and financial standing.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WA)

I am the victim of identity theft, discovered on XX/XX/year>. I recently filed a claim against XXXX Fraud Investigation Department on XX/XX/year> after making countless attempts to get my fraud charges disputed and dismissed. I received an answer from XXXX on XX/XX/year> stating that they had determined both fraudulent charges ( {$1000.00} and {$810.00} ) were fraudulent and were removing them, and that they would be reporting this to the credit reporting agencies. 
I just received another letter from XXXX dated XX/XX/year> stating that they are now holding me responsible for the 2nd fraudulent charge, late fees and interest totaling {$920.00}. They state that they have conducted their investigation using information that I provided and it wasn't enough information to support my claim. 
MY IDENTITY WAS STOLEN, I have a police report, I provided them with the timeline of ALL of my communications with XXXX and a copy of the flyer that the sheriff 's office made public to help find the woman that stole my identity. I have had to get a lawyer involved because this has harmed my credit, my health and my general life due to all the added stress of dealing with the incompetence and lack of empathy from XXXX. Now, after being told that they used the information I sent them to prove the fraudulent charges were in fact fraud, and receiving a letter from XXXX stating that it DID prove the fraud charges on my account, I'm now being told they are going to hold me responsible for one of the fraud charges. This is absolutely unconscionable that they continue to harass me, attempting to collect a debt that is NOT mine, and continuing to destroy the credit that I have worked my whole life to keep exceptional. 
I want XXXX held accountable for their egregious actions.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.