davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

There was a police report filed on XX/XX/2019 reporting the scam. Person had access to my bank account at the time. Report XXXX. XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-12-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is in reference to a promotional offer which we accepted. The offer was for free interest for one year on a balance transfer. 

However, after accepting the offer, we noticed that we had been charged interest on our purchases although we paid off all the purchases in full by the statement due date. 

After not being able to get the issue resolved with the credit card company ( Bank of America ), I filed a complaint with CFPB. 

Shortly afterwards, I received a voice mail from Bank of America 's Regulatory Complaints department telling me the issue had been resolved and I would be receiving an email confirming this. 

It is now a month later, I haven't received the aforementioned email or any other communications from Bank of America, and I've been charged another interest fee for purchases although we've paid off all purchases in full before the statement due date. 

This is not what was stated in the terms of the card, and it was not indicated in the terms of the balance transfer offer that the card terms would be changing. This is a poison pill tactic which feels very deceptive, underhanded, and predatory.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bonneville Billing and Collections (UT)

Bonneville Collections is reporting a debt on my credit file that i do not owe. I recently checked my credit and noticed this debt on my credit file, I called immediately and paid the debt off.I never received any phone calls or any collection letters or notices about this debt and I'm pretty sure this violates my 30 day right to dispute.
Consumer complaint received 2023-04-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I hope this message finds you well. I am writing to follow up on my previous communications regarding the removal of fraudulent items from my credit report. This marks the 9th formal attempt to address this matter. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, adversely affecting my creditworthiness and financial standing. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX XXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$16000.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : XXXXXXXX XXXX XXXX  Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX.
Consumer complaint received 2023-07-14
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. (NV)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report.
Consumer complaint received 2021-01-07
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: EQUIFAX, INC. (MI)

I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (WA)

On XXXX XXXX I deposited a check for the amount of {$1400.00} via the mobile deposit banking app to Citi bank. It was deposited and accepted so it was pending to be pht into my account i was given any acces to use any partial funds at all it was all being held. Come the morning of XXXX XXXX i had access to my account until about XXXX in the morning  which then j was blocked and locked out of my account without being given any reason as to why i was locked out. When i called the customer service center at Citi bank they stated they could not devulge any information to me about my own account after they have verified that i was who i said i was. They also stated that i will stay locked out if my account and they will be keeping my money until they decided they are thoroughly convinced that the check i deposited Was in-fact real at this time they are asking me why i have this check along with what i intend to use it for and that they would do this again even if it came from a family or friend. After i asked to speak to a supervisor they couldnt get one to come to the line after i argued with them over 30 minuets stating that if the check was indeed a fake check then why was it allowed to be 1. ) sent in bia there mobile app. 2 ) rbe accepted after they themselves examined the check. 3 ) state that it was being deposited into my account. But they wont release my account My name is XXXX XXXX account holder at citi bank
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to file a complaint against Equifax regarding a series of issues I have encountered while attempting to update my credit report. The details of my experience are outlined below : On XX/XX/XXXX, I visited the Equifax website to update my credit report. However, I encountered an error with the code " BLNK, '' indicating that my credit report was blank. Following this, I promptly contacted Equifax customer service, and a representative assured me that the issue would be resolved within 15 minutes. Unfortunately, the problem persisted. 

On XX/XX/XXXX, I reached out to Equifax again via their website. This time, a representative acknowledged the error and committed to resolving it. He explained that the steps to rectify the situation involved removing internal data blocking my report, escalating the issue, removing a fraud alert, and resetting my password. Despite my reservations about the necessity of resetting my password, the representative assured me that it was a required step to address the " BLNK '' error. To substantiate our conversation, he provided a confirmation code. 

Regrettably, on XX/XX/XXXX, I discovered that the issue persisted. Unable to access my credit report through Equifax, I resorted to annualcreditreport.com, only to find that my Equifax report now displayed an incorrect birthdate ( XX/XX/XXXX instead of XX/XX/XXXX ) and two unauthorized accounts from XXXX XXXX XXXX XXXX. These inaccuracies were introduced during the attempted resolution of the " BLNK '' error, and I believe they are damaging my ability to purchase a home. 

I am requesting an immediate investigation into the following matters : Removal of the " BLNK '' error from my credit report. 
Correction of the inaccurate birthdate on my Equifax report. 
Immediate removal of the fraudulent accounts from XXXX XXXX XXXX XXXX. 
Resolution of any negative impact on my credit score resulting from these inaccuracies. 
I am in the process of purchasing a home, and the presence of these unauthorized accounts is jeopardizing my ability to secure financing. I appreciate your prompt attention to this matter and request your assistance in ensuring a swift and satisfactory resolution.
Consumer complaint received 2023-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: ALLY FINANCIAL INC. (FL)

I contacted Ally on XX/XX/2023 to request a balance letter. I was told that the letter would be faxed. I never received the letter. I called back on the same day to confirm the correct fax number. I was told that I would receive the fax by the end of the next business day on XX/XX/2023. I never received the faxed balance letter. I contacted Ally again and was told that I wouldn't receive the letter by fax as it had been mailed and I will have to wait to receive the letter in the mail. This is unacceptable. This is holding up and could prevent my purchase of a home!!
Consumer complaint received 2023-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED COMMUNITY BANK (GA)

Loan XXXX XXXXXXXX This company has been notified COUNTLESS times that they are in error and are willfully committing XXXX XXXX and XXXX XXXX. They are now overdue on a bill that was sent to them for {$6900.00}. This is due to an overpayment that was sent on XX/XX/2020 in the amount of {$1400.00} and includes other XXXX fees & penalties. We need LEGAL ASSISTANCE to collect on this debt and are demanding full recovery.
Consumer complaint received 2023-12-16
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: EQUIFAX, INC. (TX)

On XX/XX/XXXX I sent a letter to the credit reporting agencies requesting a validation of the debt showing on my consumer report from XXXX XXXX XXXX. I have not received any response from XXXX, XXXX or Equifax. In my letter, I mentioned that I have no knowledge of a debt that is owed to XXXX XXXX XXXX. I have reached out to XXXX XXXX XXXX as well on XX/XX/XXXX requesting that they validate the debt by providing the verification of debt, Proof of assignment, complete payment history, as well as Proof of License and Bond, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I have not received any response from XXXX XXXX with regards to my direct request. Since i was unable to receive this information from XXXX, it was my hope that the Consumer Reporting Agencies would be able to provide the same to me since they have the information posted on my report and must only report verified and validated information per FCRA Section 611 and 15 USC 1681s-2. I have attached the XXXX and the XXXX letter. The XXXX and Equifax letters stated the same.
Consumer complaint received 2023-12-15
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: EQUIFAX, INC. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (CA)

Genesis FS Card Services has changed its name to XXXX XXXX. You may notice a few changes over the next few months but youll still receive the same great services and benefits at all times. 

XXXX XXXX XXXX XXXX Good afternoon, XXXX XXXX ending in XXXX Current balance {$170.00} Payment due date Minimum payment due {$0.00} Credit limit {$700.00} Available credit {$0.00} AutoPayOff Make a payment Last statement balance {$0.00} Transactions Date Description Type Card Amount XX/XX/2023 ANNUAL FEE Sale {$170.00} PREDATORY LENDING- I CALLED AND ASKED IF THEY COULD LOWER IT. THEY SAID NO AND I HADN'T USED THE CARD YET SO I REQUESTED IT BE CLOSED AND THE {$170.00} FEE TO GO AWAY. EVEN WITH MY CREDIT SCORE I WAS ABLE TO GET A NOTHER CREDIT CARD FOR {$39.00} ANNUAL FEE!
Consumer complaint received 2023-12-15
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have sent debt validation letter since XX/XX/XXXX  XXXX XXXX  XX/XX/XXXX  and again on XX/XX/XXXX  I also went throught the XXXX  and have file complaints through this company and XXXX XXXX and XXXX that my social security number has been confiscated on several occasions and unauthorized accounts have bee open in my name. These companies fail to investigate these accounts and I haven't received any validation of debts from the company either inwhich the company 's are violating the laws of the FCRA BY NOT REPLYING WITH THE 30 DAYS
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 a consumer reporting agency can not furnish an account without my written instructions. under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an. open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-02-06
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA (OR)

American Education Services ( AES ) is collecting student loan debt in my name that seems to have originated from a maze of student loan lenders, including XXXX XXXX XXXX XXXX. Upon tracking down the origin of the purported loan in my name, the original loan was created under false or fraudulent circumstances ( though the information is rather opaque ). It is the reason why the loan has had a 0 % interest rate since before the pandemic - because it is a fraudulent loan - a junk loan. Upon reading several articles and threads, it seems that this junk loan was supposed to have been dismissed years ago ; however, it seems that AES purchased the junk loan from another servicer and began collecting on it under a different name- which is all extremely concerning behavior. Using the advice of council, I contacted AES and asked for a Master Promissory Note. They sent me a generic document that DOES NOT include ( XXXX ) my name, ( XXXX ) my signature, ( XXXX ) any information about the debt they claim to own, ( XXXX ) any proof that AES indeed owns the debt in the first place. Therefore, we asked AES to cease collections immediately.
Consumer complaint received 2023-12-15
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX {$5800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX Charge-off {$0.00} XXXX  XXXX Charge-off {$0.00} XXXX  XXXX Charge-off {$0.00} However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case!
Consumer complaint received 2022-10-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-09-23
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. (NC)

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 # XXXX, Account name : XXXX XXXX XXXX, XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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.

These inaccuracies are stopping me from getting new lines of credit to enhance my family 's financial position and well being. These inaccuracies are also preventing me from the ability to get funding for my business.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX 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.