davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (TN)

XXXX his illegally garnished my wages. The debt in question is not mine XXXX his no verified this and did not send second notice of court date for me to dispute this debt. This lack of candor has caused me and my family great financial hardship, XXXX XXXX XXXX and myself physical stress due to the fact I am fighting XXXX. I am now behind on all fo my bills because of XXXX XXXX XXXX XXXX negligence to verify and to notify the account or me. I lost my one match XXXX out of XXXX XXXX XXXX for a XXXX XXXX and must do the search over for another donor that matches due to XXXX XXXX XXXX , XXXX unjust/unfair practices.
Consumer complaint received 2024-04-27
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)

Recently I Looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX, Number Account XXXX
Consumer complaint received 2024-09-10
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I leased a car from Lexus and in order to make the monthly lease payments, Lexus assigned an account number. I began making the monthly lease payments on XX/XX/year> of {$460.00} to that assigned account number. I made a second payment on XX/XX/year> of {$460.00} and enrolled in the Lexus auto-payment program after I paid. On XX/XX/year>, I received notice from Lexus Financial Services stating that I did not pay the owed lease payments totaling {$960.00} ( including late fees ). Once I received the letter from Lexus, I made the payment they alleged I did not pay the required amount. I paid a total of {$1400.00} to include the {$960.00} plus the XXXX lease payment. This is also when I realized that Lexus had changed my account number in their system and failed to close out the " inactive '' account. Note, I only have leased XXXX car with them so having XXXX account numbers is confusing to the average consumer. Therefore, the payments I made in XXXX and XXXX went through my original Lexus account and not the " new '' account number they assigned me and Lexus believes I defaulted in my lease payments. Lexus then reported it to the credit bureaus. When I tried to resolve this matter through Lexus Financial Services, and provided proof of timely payment, they refused to do so stating that I had not paid. I have printed proof that I have made the payments, and the receipts show the different account numbers that were assigned to me, but that I was not notified of. I also set up auto-payment but they refused to acknowledge it. When I contacted Lexus, they refused to rectify this mistake. Although they acknowledge that they had assigned XXXX different account numbers for the one car lease, they refused to resolve this matter.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

ALL TRANSACTIONS with Bank of America after originally opening the account physically in the branch office in XX/XX/2023. Never received my bank card, stolen and subsequent fraud ever since then, ATM fraud plus branch transactions, purchases, withdrawals are not being done by me or authorized by me. Bank of America refuses to assist. They've taken all my money, making me homeless. XXXX reported, no replacement card ever received. Currently in access of {$10000.00} of theft and fraud due to Bank of America XXXX, refusal to help, negligence in allowing money to be taken when no ID is presented.
Consumer complaint received 2024-09-11
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter-Young, Inc. (FL)

I have pretty good credit, so I would have looked into a collection. I had this company called Carter-Young Inc appear on my credit for a collection of {$240.00}. The collection shows it was a debt from XXXX from XX/XX/XXXX, but I have lived in my new home in XXXX  since XX/XX/XXXX. 
I cancelled this service after I moved, and realized it was still pulling from my credit card. I have had zero communication from anyone that I had a debt. Period not one!

There was another collection from this collection company representing XXXX but they removed that one from all 3 credit bureaus when I disputed the charge. 
I have not spoken to anyone, received a bill, presented information where I am liable for whatever this charge is nothing, but they hit my credit!? This has to be illegal!?
Consumer complaint received 2024-09-11
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. (TX)

I am contacting Transunion in regards to the recent response to my CFPB Complaint # XXXX. Transunion has investigated the account XXXX XXXX XXXX in the past and marked my report as verified/acceptable. I followed up by sending a letter on XX/XX/2024, asking for verification of method of investigation. Transunion has not submitted status of verification within the 15 day window allowable according to FCRA. This is now a violation of my rights and the account reporting by XXXX XXXX XXXX is inaccurate as described in disputes. It has hurt me from receiving credit from lenders. I am disgruntled and demand Transunion to remove/delete the account reporting to XXXX XXXX XXXX as it is in violation with FCRA. Thank you,
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I had ta Bank of America XXXX XXXX card and the account was switched to XXXX XXXX. When I received the letter I closed out all the Travel rewards I had been saving for a XXXX XXXX XXXX before the switch. I believe it was sometime in XX/XX/2022. I closed out all of it so I believe it was between XXXX XXXX XXXX XXXX XXXX I never received the voucher. I started calling and the BOA stated they would look into it. I kept calling and then around XXXX they stated I would have to deal with Comenity to resolve this issue. They could not talk to me since I did not have an active account with them. I called XXXX starting in XXXX and they opened a ticket and told me that BOA has 90 days to respond, call back in 90 days. I did, BOA never responded and they opened another ... and another. This has been going on since XXXX XXXX supervisor told me in XXXX that BOA will not respond to them. I just got a letter from XXXX stating since its been so long they are closing my complaint there is nothing they can do. I have spoke to XXXX and asked for a supervisor to call me and I have not heard back. It is not my fault BOA will not respond or talk to me and they are the ones who kept telling me call back in 90 days. I know this is BOA 's issue, they have my money, but I cant get anyone to take the time to look into it. I dont know if it was lost in the mail or just never sent, but either way I never received it. If it was mailed they should be able to see the check was not cashed but if no one will take the time to look into this issue and they dont care because I am no longer their card holder. Its not my fault they lost the XXXX account. Please help me resolve this.
Consumer complaint received 2024-09-11
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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-27
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. (LA)

" Your agency is in violation! 
XXXX5 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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-27
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. (SC)

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX  / XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00}
Consumer complaint received 2024-09-11
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. (CO)

I have a charge off for XXXX XXXX XXXX XX/XX/year> this debt does not belong to me and I have been getting emails about this and would like to get this removed so they can stop calling I am really trying to get my credit on a good term and doing everything to keep up good credit
Consumer complaint received 2022-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC (FL)

I moved from XXXX XXXX XXXX in XXXX XXXX I contacted XXXX with VERY LIMITED STAFF finally got through to cancel my service effective XX/XX/XXXX. I had NO BALANCE AT THAT TIME. I will attach a copy of the lease for the place that we moved to at XXXX XXXX XXXX You need to contact the owner XXXX - the account was to DEFAULT back to him and he didnt rent for many months because I still have contact with him. THE OWNER IS RESPONSIBLE. PLEASE STOP ILLEGALLY PUTTING FALSE NEGATIVE BILLS ON EVERYONES ACCOUNT>>>> FIX IT >>>>> IMMEDIATELY!
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I need to dispute late payments off XXXX I never paid late and its paid in full so Im confused I also previously disputed XXXX XXXX XXXX XXXX XXXX XXXX  {$16000.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$270.00} They are identity theft and I sent proof of police report and identity theft report No response
Consumer complaint received 2024-04-27
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. (CA)

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 XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX 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 2023-08-24
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. (MD)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2024-08-21
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. 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. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-08-04
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: WELLS FARGO & COMPANY (IA)

Dear Sir or Madam, There is an Unauthorized Credit Inquiry by Your Company on my Credit Reports. While checking my personal credit report, which I acquired from XXXX XXXX, I noticed an inquiry made by your company. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity. Mail it to the address listed above.If you can not provide me with proof that I authorized you to view my credit report then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of your willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023, the company XXXX XXXX, double charged me {$120.00} for drinks that I purchased on that date. 

I disputed it with Bank of America that they double charged me. They ended up " resolving '' the claim since the merchant provided receipts. 
I looked over the receipts I notice both receipts have handwriting that looks nothing like mine. 

For the first receipt : the amount charged was {$120.00}. It clearly says on the receipt that it was a duplicated receipt ( not the original ). The bill is supposed to be {$60.00}, but they made a duplicate receipt and tipped themselves {$60.00} in a handwriting that looks nothing like mine. I usually appropriately tip but a {$60.00} tip on top of a {$60.00} bill for bad service is definitely not something I would do. 

For the second receipt : the amount on my BANK statement is {$120.00}. Again, not my handwriting. They tipped themselves {$55.00} on a {$70.00} bill, which makes no sense because they clearly write {$120.00} on the bill. They forged my signature and incorrectly put the total amount. This alone is a clear indicator that they tipped themselves. 

I read online that Bank of America will usually side with the merchant since I was there at that date and I did not lose my card so it will most likely be a lost situation for me. I unfortunately did not take a picture of my receipt, but I will now on future international travels.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (GA)

~ XX/XX/XXXX : I received an email offer to open a new Wells Fargo XXXX checking account by XX/XX/XXXX to receive a {$2500.00} bonus ( using offer code XXXX ) if more than {$250000.00} of new deposits were made to linked accounts within 45 days of opening account and maintained through day XXXX of opening the account. Payment of the bonus would be made within 30 days of satisfying these terms. 

~ XX/XX/XXXX : My wife and I opened a new Wells Fargo XXXX joint checking account ( using offer code XXXX ), and made more than {$250000.00} in new deposits to linked accounts within 45 days of account opening, and held the required balance through day XXXX of opening the account. 

~ XX/XX/XXXX : the bonus has not been deposited to our Wells Fargo XXXX checking account within the 30 day period subsequent to satisfying the bonus terms.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ON THIS DATE XX/XX/2023, XXXX IVE ASK THEM TO REMOVE THESE ADRESSES AND THERE STILL THERE, PLEASE HELP ME GET THEM REMOVED. 
XXXX. XXXX XXXX XXXX XXXX, NJ XXXX XXXX. XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 2023-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX, CITIBANK, XXXX, FL. I opened the Citi Priority financial products Interest Checking and Citi Savings. 

On that occasion, our go-to banker at Citibank offered a cash bonus for the opening of our Citi checking accounts, in the amount of USD XXXX for maintaining a minimum deposit and balance of USD XXXX in our accounts, within 60 days after the date of opening the account, condition that I fulfilled and currently maintain. 

However, as of today XX/XX/XXXX, Citibank has not complied with payment the bonus cash.