davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I deposited an international check drawn on the bank of XXXX XXXX ( XXXX ) in the amount of {$18000.00} ( XXXX ) at the local branch of my bank ( Fifth Third Bank ) on XXXX XXXX. XXXX, FL. At the time, my checking account had approximately {$300.00}. On XX/XX/XXXX I checked my online account. It reflected a negative balance of {$4900.00} due to a transaction to convert the international deposit to U.S .dollars from XXXX dollars without releasing the funds from the check in question. I immediately called the banks helpline. They were of no assistance. I went to my local branch and spoke with a banker who said he would email the appropriate people and would let me know the outcome later in the day. He never called back. On XX/XX/XXXX I called the local branch again and was advised that the matter was sent to risk management and a resolution would likely not occur prior to the long holiday weekend and I would be unable to use my debit card or access the funds that were present in my account prior to the conversion due to being overdrawn. I Then requested to speak to the branch manager. He did not return a voicemail requesting a call back. I then entered into a lengthy text conversation on the secured account website with a customer service agent and supervisor. I was told that I was out of luck and would be unable to access my account until the international check cleared on XX/XX/XXXX. When I asked how they could keep me from accessing my funds that were present prior to the conversion debit, they had no explanation. As we were text chatting, I received a notice that my cell phone was being turned off due to non payment. My direct payment did not go thru due to the overdraft. I have other direct payments that will also be denied. This is causing me severe mental anguish. I feel that Fifth Third has stolen my money by denying me access to the funds I had in the account prior to the currency conversion debit that caused the overdraft. Worst customer service I have ever experienced.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I recently reviewed again my Equifax, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX made copies of my bank cards I have them on video local police wont do anything now they are putting debt on my son XXXX XXXX credit
Consumer complaint received 2024-05-14
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. (FL)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX
Consumer complaint received 2024-06-22
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. (NC)

I am writing to dispute the inaccurate information on my credit report. Specifically, I am contesting the account listed under the name XXXX XXXX. 

I would like to state clearly that I have no contracts or affiliations with XXXX XXXX XXXX, which appears to be associated with the account in question. Therefore, this account is inaccurately reported and should not be associated with my credit profile. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you investigate this matter promptly and remove the erroneous account from my credit report. Enclosed are copies of my credit report highlighting the disputed account for your reference. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that this incorrect information has been removed from my credit report. 

XXXX, Experian, XXXX to promptly remove this from my credit.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have contacted this company several times and they agreed to remove it from a credit report. I did not keep this account open I had it open for approximately a week it looked weak as all get out and I didn't need it so I closed it? But they never closed it and I was not aware they were trying to charge me I don't owe them nothing and I never did.
Consumer complaint received 2024-05-14
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. (VA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (WA)

Dear Sir/Madam : From XX/XX/XXXX to XXXX, there were {$8700.00} in unauthorized charges on my Keybank checking account. These charges were labeled XXXX -- -- - XXXX XXXX CA XXXX 
I called Keybank twice to complain. 

On XX/XX/XXXX, {$1600.00} in charges were reversed, leaving {$7000.00} outstanding.
Consumer complaint received 2024-05-14
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. (CA)

After reviewing my recent credit report, I have noticed discrepancies that require immediate action. Specifically, concerning the following accounts : XXXXXX/XX/XXXX XXXX XXXX and XX/XX/XXXXXXXX. 

The respective companies have acknowledged these errors and have committed to rectifying them by updating the status to open/never late. Other credit bureaus have already made the necessary corrections after the companies recognized the inaccuracies in the accounts. 

I am requesting a comprehensive investigation into these accounts and prompt communication of the findings via mail. As per the information available online, such disputes should ideally be resolved within 30 days. Therefore, I anticipate receiving your response within this timeframe.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Dear Sir or Madam : I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 

XXXX XXXX XXXX  {$790.00} XXXXXXXX XXXX  {$5500.00} XXXX XXXX XXXX {$800.00}
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Bank of America Credit Card : XXXX Exp date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXXXXXX, CO XXXX XXXX. ) On XXXX I attempted again to contact Bank of America credit card call center or disputes dept. Again, the first 30 minutes consisted of needing to make 4 separate calls due to " automatted attendent '' hanging up on me for my insistance to speak to a rep and not be looped into circles to nowhere with the auto attendant. 

XXXX. ) My objective this time was to contact the disputes department and inform them that I resolved the matter with the merchant and wish to close 1 claim. 

-This is the XX/XX/XXXX charge from " XXXX XXXX for {$74.00}. '' XXXX. ) There was a publically listed number on Bank of America 's website for a " direct phone number to the dispute department. '' It said for " non-fraud '' disputes. 

-After 30 minutes on hold it was the fraud department not claims when they answered. After he transferred me to the disputes dept. After 24 minutes someone answers. It was the disputes dept who told me he can't process this as his computer is down or had some other issue he did not say.

-Again, after being on the phone for approximately 1.5 hours, he transfers me again and emphasizes that is the department to help with this matter.

-20 minutes later the next department answers. It is the fraud dept again. Apparently, the specialist working in disputes could not process a simple disputes matter and sends me over to the fraud dept ; right where I began 1 hour earlier. 

4. ) I've exhausted the time a reasonable person can take for an incredibly simple matter. 

-Please cancel my claim with XXXX XXXX charged on XX/XX/XXXX in the amount of {$74.00}. 

5. ) The public, your customers and I are on to the fact you do not want customers to contact you to solve this inquiries with an " artificial wall '' you use to block people from making contact including how you program your app to just hang up on someone who is prompting the system to transfer to your general call center vs repeat the same answers the robot never understands and misdirects the call to nowhere. 

However, this is extremely pathetic. 

If you have invested so much into avoiding talking to customer and avoiding handling the matters they need help on in their financial accounts, you should set up a self-serve option so customers can do all this themselves. Your mobile app you push everyone to does not handle most matters I need to contact your company about regarding my financial accounts. 

>>>So this issue is clear. This is not an isolated incident or experience. This is what has happened 95 % of the time I have called Bank of America for anything over the last 7-10 years as a customer.
Consumer complaint received 2024-06-22
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. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NV)

I am trying to clean up my credit report and have disputed over and over again with Experian that the items are not mine. and they still say was verified as accurate. How can they just come out and say verified as accurate without giving me any kind of documentation, so I had to investigate myself. I found that someone opened an account using my name and social, because what ever they bought had no payment made. and that the address used was a very old address and I do not live in XXXX XXXX. I have not lived there since XXXX. There is also a student loan. I'm XXXX XXXX XXXX I have not been to school since XXXX XXXX school in XXXX. If I made It a loan or a credit card then there should be some sort of payment on file. it also said that I lived in XXXX and went to some XXXX there. I moved from XXXX XXXX XXXX in XXXX then to XXXX from XXXX never been to the XXXX XXXX or the middle of the state. I'm filing a complaint because this is were it said that I should complain too, but I'm not holding my breath, you guys are just like all the rest of the government. " its against the law, its a civil matter, file a complaint what good will a complaint do, your not gon na make them take it down. If you don't have money nothing will happen but if your rich you guys make it go away. That's why I don't vote because your XXXX XXXX   liars. HAVE A NICE DAY. 

XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX there should be no other names or address listed on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-10-23
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. (PA)

have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.
Consumer complaint received 2024-05-09
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. (GA)

Was summoned to XXXX XXXX on XX/XX/2022 XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX The company claimed that I owed an outstanding balance on an account that i had no knowledge of. Judge requested proof of that the account belonged to me and XXXX XXXX XXXX XXXX was unable/ unwilling to provide any proof. Judged ruled in my favor and case was dismissed.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX RE : Consumer ID XXXX Dear Collections and Consumer Relations Dept. : I was recently informed of negative information reported by ( XXXX XXXX  ) included in the file Chex Systems maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a bank account in XX/XX/XXXX I am unaware of ever having a bank account from XXXX XXXX. 
Please validate this information with XXXX XXXX  and provide me with copies of any documentation associated with this " account '' bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX
Consumer complaint received 2024-05-14
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (GA)

I am currently verifying my credit because it is very bad and I see this account that I do not recognize that I did not do it I did not do it and I ask you to delete it you do not have debts but you have non-payments for late payments Therefore it affects my credit I request that It is deleted since my information was stolen, that account is not mine. 

XXXX XXXX XXXX XXXX