davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

I received a letter from XXXX XXXX that they had a data breach and gave me 2 years of coverage with XXXX. On XX/XX/XXXX there was an inquiry saying it was for Bank of America but I do not have any accounts with them or applied for any type of credit with them. XXXX told me to contact you to inform you of this activity. Below is the inquiry information. 

Alert Type : Inquiry - New Inquiry Found On : XX/XX/2024 Why am I receiving this? 
XXXX XXXX monitors your credit to detect signs of identity theft. You have a new credit inquiry on your credit report. When you apply for new credit or a loan, and the creditor/lender views your report as part of their decision-making process, it's called an inquiry. 
Additional Info Details SourceXXXX Alert XXXX Inquiry XXXX NameBANK OF AMERICA Phone XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you recognize or authorized this activity, no action is required. What if I don't recognize this activity? 

Don't worry, there are steps you can take! 

Contact the creditor - this may clear up what's happening Review your credit report for new activity Dispute the account information on your credit report
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I enrolled the wrong payment account via XXXX XXXX XXXX verification portal. I enrolled my savings account rather than my checking account and due to this error the payments I was making were being returned and not posting. I didnt realize the mistake until I had already resubmitted payments 3 times and was assessed return fees. Here are the dates : XX/XX/2024 {$60.00} & {$100.00} XX/XX/2024 {$430.00} & {$440.00} new account I added a new account but I had to use the manual feature once I noticed the error and immediately brought the account current. I have requested via phone calls and letter that they remove that 30 day late reporting to the XXXX credit bureaus but they declined due to it not being their and it being late. I dont feel this is a true reflect of my consumer history. I have not had any late payments in over 20 years. I even asked to speak to someone form their credit reporting department and was denied because they dont take calls. I write letters to the 3 credit bureaus too and no response has come yet. I was in the middle of purchasing my late fathers home and due to this reporting the lender doesnt want to extend the loan if I cant get this removed.
Consumer complaint received 2024-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-05-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY (MT)

In early 2010 we were improperly denied mortgage loan modification after being strung along for months which led to wrongful foreclosure of our home, sale at auction and being served with cash for keys while being told there was nothing we could do about it. I came across the article that said Wells Fargo Bank was having to pay back customers that they had done this to.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TEXAS CAPITAL BANCSHARES, INC. (MN)

I had a savings account with bask bank. XXXX day I had an email that there was suspicious activity and that my account was frozen so, I immediately called. Bask Bank told me that my refund of XXXX was fraudulent and despite proof and emails and pictures of my account still would not let me into my account. 

I lost my car, almost, my apartment and with XXXX young boys. I gave the bank fraud ( XXXX XXXX ) dept conversations with the online reps about my refund being deposited back into my account, numerous email receipts, pictures of my account activity from prior XXXX  months previous. I also asked to talk to whomever it is that XXXX XXXX reports to and was denied time and time again. XXXX months later, I received an email from XXXX XXXX that she was closing my account and that I would owe XXXX dollars. 

A week ago, I received a letter from XXXX XXXX that I owed XXXX dollars to the bank. I feel like I have been made a pawn in a larger bank scam.
Consumer complaint received 2024-05-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MN)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023 I filed a claim of fraud because someone I did not authorize used my card to purchase a rental car on XXXX. I have two cars that Im paying a car note on so renting a car for doesnt even seem logical for me to do especially the day after paying my car note! I called the bank they placed the funds in my accounts then took the money back today XX/XX/2023. I do not have a XXXX account the account could not have been in my name I NEVER authorized this purchase and Im so upset about my account being negative! When my check gets deposited it will take my whole check for something I did not do!
Consumer complaint received 2024-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (MD)

I have a checking account with the amount {$35000.00} at XXXX XXXX XXXX XXXXXXXX and was opened through Juno Finance, and now I can not transfer the money out as XXXXXXXX XXXX XXXX XXXXXXXX halted the ACH process!!! That's my house downpayment, I need to use it!
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
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 2024-01-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

We are reporting unauthorized transactions in our company 's savings account with Bank of America, detected on XX/XX/XXXX. These transactions began on XX/XX/XXXX, and were identified as electronic transfers and purchases, not involving the physical loss of our savings card. 

Immediate action was taken by informing Bank of America, and an internal investigation has been initiated. Our priority is to understand the breach, ensure account security, and prevent future incidents. We are working closely with the bank to resolve this issue and safeguard our financial integrity.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX Date Filed/ Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX  - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-15
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. (TX)

I'm experiencing XXXX, dissatisfaction, and XXXX concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2023-07-06
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, 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.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (CA)

I am victim of identity theft, and on my XXXX, XXXX, and XXXX i have a Personal Statement Alert : FRAUDULENT APPLICATIONS, and specifically says First Verify the identity of the applicant. It can be reached at XXXX The Company ALLY FINANCIAL Unauthorize an Inquiry on my credit report without my permission. 



The Company ALLY FINANCIAL Ran my credit 2 times. 

This Company plays Dirty and unprofessional, they don't care to mess up others Credit, and all they want is to make money $ $ at any cost... .. watch, why I'm saying that,.! 

On XX/XX/year> they ran my credit With address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX AND PHONE # XXXX AND ON THE 2ND HARD INQUIRY ON THE SAME DATES, XX/XX/year>, BUT WITH DIFERNT ADDRESS, NOW ON XXXX XXXX XXXX XXXX, MI XXXX SO, I'M NOT THAT STUPID TO RUN MY CREDIT 2 TIMES ON THE SAME DATE. 

1. I Been fixing my credit for 2 or 3 years and I'm involved on credit, reports, hard inquiry, soft inquiry ect,.. I know that my credit is bad and if I get denied the first time is because my credit is terrible and plus my yearly salary is not great.
Consumer complaint received 2023-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OR)

Inaccurate and false information on my credit report. The following phone numbers are invalid and need to be removed : ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2024-08-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

My sister and I lived at XXXX XXXX XXXX ( it use to be XXXX XXXX  before the name changed and management from XXXX ). Due to financial hardship, I was no longer able to continue paying the rent and I had to find an affordable place. I had renew my lease as I have thought that I was going to stay but sadly I was unable to continue to pay rent. I had sublease my apartment on XXXX of XXXX to a student name XXXX XXXX who said she will take over both leases. I signed the transfer lease and paid {$200.00} for the transfer fee. XXXX of the leasing agents came and inspect the apartment. They said it was in good condition. XXXX and I signed the delegate form that stated that the delegate ( XXXX XXXX ) will become the primary. 

In late XXXX XXXX of XXXX, i got an email from XXXX stating that I owe over $ XXXX in damages when I never cause the damage. They told me that XXXX XXXX never sign the second lease for Fall XXXX XXXX and she had someone living there illegally. They claimed that they called and email XXXX XXXX many times to have her pay the damage fees but she was refusing to. I spoke to the resident in XX/XX/XXXX, who stated that her friend ( XXXX XXXX ), damage the apartment back in XXXX of XXXX and walk away with the keys. 

Also that same month, I told them to removed me from both leases as I wont be renewing and they agree since I paid to have me removed from both leases. That same year, XXXX was harassing my family and I about the payment. My family and I went to show them proof that XXXX was responsible since she was living there. The complex made up alot of excuses on why they didnt take them to court. I found out in XX/XX/XXXX that XXXX had keep me on the lease illegally instead of removing me. They told me that the apartment was fixed. 

I send my account to collections knowing that the damages happen under another resident and they tried to ruin my credit. I had called NATIONAL CREDIT SYSTEM about the incident and they ask me to send them proof. I emailed them proof in XXXX or XXXX of XXXX and they never responded back to me. I filed several complaints against XXXX XXXX XXXX this year and they refused to address the issue I have attached pictures of the lease, payment of the transfer fee and the pictures that I took on the day I moved out to show that the apartment was clean and damaged free ( i moved out in XX/XX/XXXX ). The lease clearly states that if the damage happen while a resident is living there, they are responsible. The damaged happen in XX/XX/XXXX while XXXX XXXX was living there.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (CA)

I am XXXX XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX.
Consumer complaint received 2024-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NV)

I opened a claim with Fargo claims assistance center to get a refund for me purchasing a city pass for XXXXXXXX XXXX  while on vacation however they had me purchase a child ticket but the child was unable to attend due to it being a policy of no children I had requested a manager to give me a refund and I was getting was a the run around i then called Wells Fargo to step in and see if they can assist me with obtaining my funds back I have been in contact with Wells Fargo several times I even have emails I can can cross reference dated back to XX/XX/year> I received a confirmation response I have also talked to Wells Fargo claims assistance center serval times to check in on this claim they asked for more information and it was a series of questions that needed to be answered I answered those on a recorded phone call I am not working right now so with Wells Fargo trying to take back XXXX from my account will leave my account in a negative standing
Consumer complaint received 2024-05-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (TX)

I have an account with Juno, which is a banking app. XXXX  uses Evolve Bank and Trust. Evolve Bank and Trust has frozen all of its accounts because of an issue with Synapse, a brokerage that is going bankrupt. For XXXX weeks my account has been frozen. I need to get this money off of this account.
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been a capital one member since XXXX the card ending in XXXX. I reached out on XX/XX/XXXX to see if there are options to enroll to a hardship program. The first agent I spoke to left me on hold to check and see if there are any eligible programs to help me bring my account current. I was on hold for a few minutes and the agent I spoke to said that there are no offers because of the account status I ended the conversation. I called back again and explained the hardship to another agent. The agent I spoke to for a second time said that my account is not eligible for any hardship program. And to make a partial payment and to check back for offers but it is not guaranteed. I am very displeased and very upset that capital one wont work with me to lower my monthly payments and now Im going to miss a payment and be charged late fees. If no one is willing to work something out I will escalate this CFPB and to XXXX. I wont continue doing business if Capital one wont work with me.
Consumer complaint received 2023-07-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-05-23
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (CA)

The cable was set up in another person house using my social security. I called the cable provider and ask them for the bill portioning to these changes and never got provided with it. I called cable company about over 5 years ago to dispute charges because it wasnt what I owed. I returned the equipment and this is still on my credit.
Consumer complaint received 2024-05-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (UT)

i have applied 2 times to IDR and 2 for Public service loan forgiveness XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX. mohela keeps messing my information and first they approve me then they denied me. i am very confused and unless someones takes a looks at my account and fixes all the errors. dont XXXX with my livelyhood.
Consumer complaint received 2024-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (IL)

Aidvantage has not processed my SAVE application since the unpause of student loan payments. They have put me on administrative forbearance since XXXX to process. I just received an email now that states my next due date is XXXX and the amount is incorrect still. I went to chat with them this morning and they shut down the chat stating '' We are currently having heavy volume. Sorry for the inconvenience. Please try back later. 

XXXX XXXX '' So now they can't even handle my questions because of high volume?! I have already sat on the phone XXXX  with them for XXXX  and now they can't even chat. Unacceptable and this has been completely XXXX.