davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Experian has continue to use the inaccurate information. The following items with the Id numbers needs to be removed as Experian has continue to violate XXXX XXXX XXXX XXXX XXXX I received mail from Experian on XX/XX/2023 with the wrong name and address, i was addressed as XXXX XXXX which is not my name or my address that was reported. I am asking that that following accounts be removed from my credit report so that it will reflect XXXX name and XXXX address. Please as stated by ; Section XXXX XXXX XXXX Code XXXX Section XXXX XXXX XXXX Code XXXX XXXX Section XXXX B XXXX XXXX Code XXXX XXXX address Id : XXXX report number XXXX name Id : # XXXX, name Id : # XXXX, name Id : # XXXX none of the following items are of my identity. this is why my information has been used in an identity theft with the following companies because Experian 's has been reporting other people names and addresses on my credit report. The on name and address that should be reporting is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Hide full complaint
Consumer complaint received 2023-12-25
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. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-04-22
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)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-25
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. (NY)

Social security number is XXXX my complaint XXXX  XXXX  experian theirs is three adverse negative items the three accounts are fraud they supposed to be removed from my XXXX report theirs is a federal trade commission identity theft report on file sine XXXX
Consumer complaint received 2023-05-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (GA)

I received a letter from Hunter Warfield stating that I owed them a debt. They sent me a statement with an account number with a balance amount that included interest. I requested verification of this debt and requested addition information from them as proof that I owe them this debt. This letter was dated XX/XX/2023 and sent by certified mail. The response received only included a copy of a signed rent contract. The contract was reviewed, and it did not include any agreement to pay interest on debt. Another certified letter was sent to Hunter Warfield questioning the reason for the interest since it was never agreed upon in the signed contract. They did not provide any validation for the interest charge and refuse to remove it from the requested debt amount. I am also not sure if they legally own this debt, or if they are authorized to collect in my state because they never provided me with this information that I previously requested.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The inquiry made is not an inquiry made by me. Please have inquiry moved from credit reporting XXXX XXXX  - inquiry date : XX/XX/XXXX XXXX XXXX- inquiry date : XX/XX/XXXX XXXX XXXX - inquiry date XX/XX/XXXX XXXX- inquiry Date XX/XX/XXXX Transuion please remove inquiries from credit report. I sent over a letter and still nothing has been done
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-04-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2024 a Withdrawal was done in a bank with a teller withdrawing the amount of {$17000.00} without my knowledge or authorization from Bank Of America. A fraud claim was created as soon as i received a notification informing me my account was in the negatives. I still have yet to receieve any updates as I was informed they would pull video footage as the fraud check stated it was an out of state check. I don't understand how someone is allowed to go to a bank with a fraud check and withdraw this large amount of money.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XXXX XXXX a purchase of {$49.00} was made on a Capital One Credit Card in the amount of {$49.00}. Upon learning that the credit builder program doesn't work without the opening of a credit line or checking account, email was sent requesting to cancel service XX/XX/2024. No response was received from the company until over two weeks later on XXXXXXXX XXXX XXXX. No services were rendered, the customer service was not present, nor was correct information about product provided during time of purchase.
Consumer complaint received 2024-04-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION (MS)

I went to the XXXX XXXX XXXX XXXX XXXX to get another vehicle my previous rep that dealt with my first purchase which was a XXXX XXXX XXXX he told me to come back in 6 months I could trade it in because I did not want that car but thats all I could afford with a cosigner and they would pay it off and I wouldnt be upside down but he no longer works there so I just dealt with a new rep he tried to get me approved for the XXXX XXXX XXXX XXXX XXXX and could not so he then sold me a XXXX XXXX XXXX and he stated that it would have features that I was seeking like navigation and remote connect after signing the legal binding contract it has none of those features and this dealership does not want to take full responsibility for selling me a car with no features and im also upside down all they did was knock off {XXXX XXXX  more a month and that will not satisfy me after signing the second time I noticed it also doesnt have heated seats so im like what does it have all they advise me to do is continue paying the note on a vehicle im not happy with for a year and my credit improves they also illegally ran my credit across 6 different finance companies without my permission to get me approved my credit is screwed so I cant even go to a new dealership and they wont buy this car because XXXX is trying to charge me {$50000.00} they have lost there minds
Consumer complaint received 2023-12-25
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: Experian Information Solutions Inc. (AZ)

hello on XX/XX/23 i spoke to experian and also sent them a dispute in regards to some in correct information on my credit. It has been over a month and they have not proceessed this request. I wish to have this matter handled before the new years but they have ignored me.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

They denied my dispute 4 times even with a police report and all the proof sent and then i had to open a new claim again with the police report and other proof. I sent them the updated XXXX receipt that I went and got from the XXXX store showing the new phone purchase with new XXXX and serial number as well as the correct barcode which I faxed over to bank of America XXXX department on XX/XX/year> at XXXX Eastern time. Attached is the correct receipt and should suffice at this point. They still have not issued a credit with all the proof I sent them. This is hurting my life and mental health. I have a family to feed and this money is important. I'm stranded in Texas because of this and they have done nothing but deny it and re open the case 3 times. They even closed my accounts after 17 years. Its XXXX XXXX XXXX XXXX my savings and one on my checking. Claim numbers for both are -claim # savings XXXX Claim # checking XXXX It has now been well over 90 days!
Consumer complaint received 2024-06-21
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. (SC)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DOE XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

As I looked over my consumer report I noticed some inquires and late payments on my report that was not authorized : 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 XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX ). Per section 609 FCRA send me over any ORIGINAL SIGNED DOCUMENTS. FCRA states the bureaus must verify all information that they get from banks, credit card companies etc before putting into my consumer report. 
Under federal law any unverified accounts must be deleted.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2023-05-02
Product: Credit card or prepaid 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: CITIBANK, N.A. (OK)

I applied for a CITY advantage card. Because if its design, tiny letters and numbers I could not activate it nor use the Card. I disguised this wit CITY bank and asked for an XXXX compliant card, and thy sent me a card I could not use. 

Thus I cancelled the City Bank card, without using it. 

I can not contact City Bank because I have no active City Bank accounts, no check book only XXXX credit and debit cards. 

CITY Bank are billing me fees for a card I can not use, and compounding the interest on the card, Which even if I wanted to pay, I have no method paying, and no method to contact City Bank to resolve this issue.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

As of XX/XX/year> XXXX and TransUnion haven't updated my report. I have a balanced or {$920.00} on both reports. I have paid my balance and had inquiries deleted that should still be on my report.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (NY)

This is in regards to synchrony bank. In XXXX XXXX sent a check that was issued by XXXX XXXX XXXX XXXX XXXX to synchrony to pay my balance in full. The total was {$7000.00} at this time. The check was cashed and endorsed by synchrony on XX/XX/year> unfortunately the check did not have my card number on it so it was never applied to my account, I have sent multiple times the copy of the canceled check and now they are telling me I never provided this information. I have sent it via fax and via email on the portal. My credit score has gone down dramatically because of this. The dispute has been open multiple times and denied just as many. I want this, and I want my credit report cleaned.
Consumer complaint received 2024-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (CO)

My compliant is on MOHELA Loan provider. They are still accruing interest on my account after 180 days of being on the borrowers defense program. They also did not inform me that interest would start to accrue 1 month earlier than payments after the COVID payment pause. They didnt even notify payments were going to begin again let alone that interest would accrue a month before payments on XX/XX/2023. 

They also are capitalizing interest on my account. Which is causing interest to spiral out of control. I was under the assumption no interest can be capitalized onto my loans after the department of education states this in the borrowers defense guidelines. 


I also did not elect to be placed into a forbearance on my borrowers defense application. They informed me this was an administrative forbearance and interest would NOT accrue. This was because they placed me into the forbearance not me. However, interest has accrued and continues to accrue post 180 days after application submission.
Consumer complaint received 2024-04-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (CA)

I was attending XXXX XXXX back in XXXX if 2023 for XXXX, I ended up Not liking it so I transfered over to XXXX in XXXX /XXXX which is cheaper started in XXXX XXXX they said my grant will roll over to the next coarse now that I had a problem I didnt get to complete school they took the money & & XXXX XXXX XXXX for somethings I didnt do a week before I was supposed to graduate in XXXX. Now that they have what they wanted Im stuck here with lots of loans out of nowhere.
Consumer complaint received 2023-04-11
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: Experian Information Solutions Inc. (TX)

I have made many attempts working with the credit bureaus, but they have not been helpful and very difficult to get someone on the phone. I have provided all required documents. I am a victim of Identity theft and these fraudulent accounts were opened without my knowledge or consent.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A. (GA)

I had the credit card for some time, but I had not used it recently. I am getting ready to travel out of the country and was counting on it to track my expenses for and while on that trip. Logged on to my online banking only to see the card was gone. 
In contacting PNC - first, it took a lot of transfers to get me to a person who could help me. Most were in off shore call centers. When I finally reached someone, I was told it had been closed due to lack of usage. I received no notification or letter from PNC stating it would be done. 
The problem is a bank looks at your credit history and removing an {$8000.00} credit card limit can be harmful to your utilization driving your score potentially down. Additionally, have a card notated as closed by creditor, has a very negative connotation and can alter whether another creditor chooses to provide credit. 
This seems like a conflict of interest as well as unfair to the consumer. Luckily, I had closed on my home purchase in the fall or this could have affected my ability to close my loan.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (NC)

Its coming up on XXXX months since I first filled my dispute with Navy federal credit union. I still dont have a response to my XXXX complaint or resolution. Yet baby federal credit union still calls me wanting me to pay a balance. It shouldnt be that difficult to give me my money back as none of the chargers we authorized by me. I filled a police report and have sent it to navy federal several times with no response or resolution.
Consumer complaint received 2023-12-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (GA)

WELLS FARGO SAID I HAVE BEEN A MEMBER SINCE XXXX. NEVER OPENED AN ACCOUNT WITH WELLS FARGO IN XXXX. HAVE A CURRENT ACCOUNT WHICH WAS OPENED IN XXXX AND WHEN I RECIEVED MY DEBIT CARD ON THAT CARD IT SAYS MEMBER SINCE XXXX.
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX Bank of America charged my credit card auto pay twice. 
BofA didnt follow the rules applied the over payment as the credit refund to me. 
Until recently, I found theses mistakes of BofA and asked refund the overpayment. 
BofA only refund the XX/XX/XXXX negative balance to me but the others they said that was made outside of the current billing period they refused refund to me. 
I think thats my money BofA cant occupy it. Its the mistake they made.
Consumer complaint received 2024-04-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GREENSKY OPERATIONS, LLC (TX)

I sent a payment of XXXXXXXX XXXX  on XXXX and the payment was not posted to my account until XXXX .Also this company not being transparent with payments led to them receiving an over payment of {$500.00}. I would like my XXXX $ refunded as soon as possible. They hold your payments for an unnecessary amount of time to charge interest. Very unethical