davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint case number XXXX with Bank of America ( BOA ), totaling {$380.00}. I promptly notified the bank via the app on XX/XX/XXXX of two suspicious transactions, which I confirmed as fraudulent. However, after a few days, the bank notified me that they would not reimburse the costs of these two physical fraudulent transactions. I have informed the bank that on the day of the fraud, I was attending XXXX at school, and the school can verify my presence, confirming that I could not have been at any other retail location. Although the bank claims that their investigation shows card reading, PIN entry, and signature verification, they have not provided me with any documents proving that these transactions were indeed carried out by me. They persist in refusing to reimburse the funds for these two fraudulent transactions.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have been a customer of XXXX XXXX XXXX  since XXXX, I love that they have given me a second chance to reestablish my credit so that I can obtain employment, housing and a new vehicle someday. However, I was terminated from multiple employers between XXXX to XX/XX/XXXX which left me without income to pay my bills or anything else ; I have NO ONE TO RELY ON due to being disowned by family and what I thought were friends. In addition, I was evicted from my place of residence because I got too behind on my rent leaving me homeless since XXXX XXXX XXXX, I have NOT BEEN ABLE to get employment or anything BECAUSE of the late payments placed on my credit reports and I HAVE WRITTEN TO THECEO ALONG WITH UPPER MANAGEMENT TO RESOLVETHIS ISSUE. THEY CLAIM TO UNDERSTAND MY SITUATION, HOWEVER THEY HAVE DONE NOTHING ANDRENEGAGED ON THEIR PROMISES TO HELP ME OUT!!! IHAVE WORKED SINCE THE AGE OF XXXX DESPITE MYCIRCUMSTANCES AND NOW I AM UNABLE TO WORK DUETO THE XXXX THIS SITUATION WITH XXXX XXXX XXXXALONG WITH MY OTHER CREDITORS HAVE CAUSED ME. IAM CURRENTLY HOMELESS AS MENTIONED WITHNOTHING TO SHOW FOR IT, I AM ON SEVERALMEDICATIONS THAT I TAKE TO REMEDY MY XXXX  ISSUES BUT I AM STILL UNABLE TO WORK, IHAVE APPLIED FOR ALL ASSISTANCE TO EVERYCAPACITY HAVING BEEN TURNED DOWN BY EVERYONEAS MY SITUATION IS MORE ADVANCED THAN THEY CAN HANDLE AND I AM ASKING FOR THEM TO REMOVE ALLOF THE LATE PAYMENTS ON MY ACCOUNTS ALONGWITH REIMBURSEMENT OF {$480.00} IN LATE FEES TOBOTH OF MY ACCOUNTS AND PAYMENT OF {$140000.00} IN LOST WAGES DUE TO NOT BEEN ABLE TO WORK ORANYTHING. IF THIS DOES NOT GET RESOLVED WITHIN XXXX, I WILL FILE A LAWSUIT AGAINST THIS COMPANYALONG WITH AN ADDITIONAL PAYMENT OF {$30000.00} IMMEDIATELY.
Consumer complaint received 2024-05-31
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 writing to formally follow up on my previous complaint about mistakes in my credit report and the credit reporting agencies ' subsequent failure to comply with the statutory obligations of the Fair Credit Reporting Act ( FCRA ). Despite my formal dispute and request for investigation, more than XXXX  days have gone without an acceptable conclusion.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I got a credit report and I know it is incorrect. I was told I have a right to have a investigation done. In which you did not thoroughly investigate these. XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX said that Experian never contacted them. I submitted my police report and XXXX fraud report showing these are not my accounts. Experian is lying and violating FDCRA by going through XXXX XXXX and secondary credit bureaus. 
XXXX XXXX says the account was charged off in XXXX  and they have no access to the file so how did Experian get verification from XXXX XXXX. XXXX XXXX has my police and fraud report. They have not have responded to my requests through the attached letter. Even though I have asked over XXXX times. 
I'm a victim of fraud and have the police report and XXXX report to back it up. I have validated proof these are not my accounts. Look at my attached files.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION (GA)

They took XXXX dollars out of my account for a old credit card debt that I had set up payment plan for, funds were already spent and thy charged me XXXX dollars in overdraft fees rude and disrespectful on the phone
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

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 RE : XXXX Block Request Experian Dear Director XXXX : I am writing to request your assistance in blocking certain adverse information from my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ), and the Debt Bondage Fair Credit Reporting Act, in conjunction with Regulation V XXXX XXXX Final Rule. As a XXXX XXXX XXXX, the financial abuse I endured during that time is the reason for the hardship reflected in these accounts. Despite informing the creditors and credit bureaus of my situation, disputing the information, and asserting my rights as a XXXX XXXX, they have ignored my circumstances and disregarded my rights, which is a significant violation.

I kindly request the following accounts and information be blocked from my credit report within four business days, pursuant to section 605C of the FCRA : 1. XXXX XXXX : see screenshot 2. XXXX XXXX XXXX XXXX : - Credit Card : see screenshot - XXXX XXXX XXXX  see screenshot 3. XXXX : see screenshot I will be attaching screenshots of each of these accounts and the associated adverse information for your reference. Additionally, there are two inquiries on my credit report that I request be addressed and blocked as well.

Please ensure that this information is promptly blocked from my credit report and provide notification of the actions taken. Enclosed with this letter are the necessary documents supporting my status as a XXXX XXXX XXXX and proof of identity for your review.

Thank you for your attention to this matter. Your assistance in resolving these issues is greatly appreciated. 

Sincerely, XXXX XXXX XXXX Enclosures : - Proof of identity - XXXX  documentation - Screenshots of adverse information and inquiries
Consumer complaint received 2024-04-30
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: Experian Information Solutions Inc. (FL)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. 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 in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-04-30
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. (UT)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2018-04-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (IL)

After XXXX yrs with previous cell phone carrier I recieved solicitation to switch to XXXX for better rates, service and product. I quickly found this all to be a lie and false on all accounts. Due to immediate billing errors my account was disconnected for none payment several times before i even recieved my first bill and maybe a few days after recieving my device. This after making deposits/payments upon initial setup and after I turned in my equipment. I immediately notice things like the inability to use the internet or navigational system while on a cellular call which i was told was a device or setup issue then later told it was a function that XXXX didnt offer after I passed the window of refund. I continue to experience billing errors because the account was setup wrong, disconnection and restoral charges from what they call system errors from improper intial disconnections, ignored payment arragements, etc. I was told that credit would be applied for the errors but pay the bill with billing errors or my account would be disconnected agein.This went on and credits were never applied and errors continue.. Finaly, I had enough of this nightmare, was instructed to return the equipment to their store. After this was done, they charge me over {$2300.00} ( including full balance for returned equipment ) and I was told that this was the accelerated balance for terminating the contract for terible service. They said its their policy and I was attached by XXXX collector and the balance was placed on my credit reports. After months of dealing with the collection agencies bulling and XXXX pretending they cant find the returned equipment-do I have the reciept from the store. I was told by some who said they were a corporate manager and he laughed at my experince and said if I wanted this to go away I should pay the bill regardless of terible experience, account billing mistakes and returned equipment charges that they also added to the false billing. He told me this was the company policies regardless of what consumer experience or reason for terminaton. The bill include over {$1200.00} cancellation charges, over {$400.00} in additional equipment charges for returned equipment almost {$700.00} in false billing and errors. I was told to pay then they will review it and maybe refund my money later or " IT WILL STAY ON YOUR CREDIT REPORT! '' and collection activity will continue. They then offered me a {$200.00} reduction if I settle and pay the remaining balance.
Consumer complaint received 2024-05-11
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: CUSTOMERS BANCORP, INC (NV)

I am receiving credit reporting inquiries for credit that I did not apply for, someone is using my name, address and social security number to apply for credit : I received a Notice from Customers BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Phone : XXXX stating that credit was denied on XX/XX/year> for a Loan Program through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for this loan, someone is using my personal information to apply for credit. 

On XX/XX/year> someone applied to the XXXX XXXX XXXX XXXX through XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX for XXXX credit using my name, social security number and address. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX. 

I have not applied for any credit for any reason, someone has access to my personal information.
Consumer complaint received 2019-01-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XX/XX/2019, I sent a {$4100.00} remittance to my HSBC HSBC account by wire transfer from the US HSBC account. 15 days later, my XXXX XXXX HSBC account did not receive my remittance. And many times with the HSBC Bank of the United States, there is no clear reply.
Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

On XX/XX/2023 I closed my account with US Bank however, my employer, on XXXX XXXX deposited a check into that account that I no longer have access to. What the bank was supposed to do was reject that money and send it back to my employer so that I can receive it. However, this didnt happen instead, whoever was in charge of closing my account did not do it properly and they took my money and I had no knowledge of it. So I tried to resolve the problem by calling their customer service and they just keep transferring my calls and hanging up on me. So then I went to a US Bank office where the teller tried to help me and locate my money and he was able to call someone and they told him that the money was somewhere in their system somewhere in their accounts that they had to look for it and basically just dont know where my money is just that they have it. Now I keep calling and asking for update, but they just been very unhelpful and dont seem like making an effort to return my money and the amount of the check was XXXX XXXX
Consumer complaint received 2023-06-01
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. (TX)

Pursuant to the FCRA, the account below has violated my protected consumer rights provided by the federal state under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have a right to privacy. 15 USC 1681 Section 604 A section 2 further states a consumer reporting agency CAN NOT furnish an account without my written instructions. I have not given any such permissions or authorization to furnish the above account on any of my credit reports. Being the litigious consumer that I am, I am confident that we can have this item removed before any court suit documents need to be filed.
Consumer complaint received 2023-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PR)

Complaint to MOHELA ACCT NUMBER : XXXX Hello My name is XXXX XXXX XXXX XXXX I have a certification of XXXX approved on XXXX XXXX XXXX XXXX XXXX plan FOR THE ACCOUNT XXXX. They are committing discrimination against XXXX XXXX borrowers. I have had an approved XXXX since XX/XX/ and without my consent they want me to pay the full amount. Now I called XXXX times and talked with XXXX  representatives to resolve the situation. I need my XXXX back. The XXXX repayment plan approved on XXXX XXXX XXXX is : XXXX : And the XXXX payment Amount for this plan is : XXXX FOR XXXXXXXX XXXX PAYMENTS. 

As a result of everything that happened with Mohela, I had to request a new repayment plan, when there was already an approved one. I understand that the process they have put me through is unfair. It is a process that is detrimental to the borrower. They also did not want to process the payment deferral until XX/XX/, in which the requested repayment plan is approved. To date, they have not wanted to process my new request nor the documents that support it. The customer service is terrible, they don't want to talk to XXXX customers. They hang up the phone when you ask to speak to a supervisor. I am desperate and saddened and I don't know what else to do after so many calls and emails written almost XXXX with this company. I have exhausted all available resources and that is why I very respectfully turn to you for help. 

I have a XXXXl complaints to Mohela with no response or resolution. 


Complaint- XXXX XXXX XXXX  Complaint- XXXX XXXX XXXX   Complaint- XXXX XXXX XXXX Complaint- XXXX XXXX XXXX  Complaint- XXXX XXXX XXXX Complaint- XXXX XXXX XXXX I appreciate all the help you can give me for this terrible situation.
Consumer complaint received 2022-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the fair credit reporting act. My rights have been violated. 
15 U.S.C. 1681 Section 602 States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-11-15
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. (NY)

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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency makes any consumer report containing any of the following items of information or any other adverse item records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-10
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: SYNCHRONY FINANCIAL (NY)

XXXX XXXX XXXX and SYNCB/AMAZON XX/XX/2022.To my acknowledge I have not signed any documents authorizing your organization to review my credit report history, therefore your inquiry into my credit report violates The Fair Credit Reporting Act Section 1681b ( c ) : Transaction not initiated by costumer.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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 XXXX XXXX
Consumer complaint received 2024-07-10
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 XXXXXXXX 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 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 months that are reported late 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. 


XXXX XXXX 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