davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

In early XXXX, around XXXX, my financial advisor at Merrill Lynch said that Bank of America had a special offer. If I had $ XXXX in holdings at my ML account, added a minimum of $ XXXX and opened a new BOA account, they would give me $ XXXX as a bonus offer if I held the money in there for 60 days. As of XX/XX/12 when the BOA account was opened, I had $ XXXX sitting in ML. I have repeatedly asked about the bonus offer to my ML advisor ( minimum 5 times ) and have not yet received a call. The last email I received my ML advisor said ..Unfortunately its too late to make any adjustment to the account. 
XXXX must be new assets 60 days suggesting the 60 day dateline was not met. Based on the evidence provided this is untrue.
Consumer complaint received 2024-07-12
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Self Financial Inc. (MS)

Hello I have tried resolving this with this company several times and the late payment is still on my credit report, I spoke with someone at this company about my email address needing to be updated and the information that was sent to me my email address was old and I dont have access to the address anymore, and I was also opted out of auto payment by this company without my permission. My purpose for working with this company was to fix my credit not ruin it..
Consumer complaint received 2024-01-17
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: Bread Financial Holdings, Inc. (NJ)

Comenity is telling XXXX that I have 3 accounts with them when I actually have XXXX. They are violating the law because they are reporting incorrect information on my credit report. I do not care if they no longer are the creditors or own the debt. They are the ones listed on my credit report not second round. They also have Victoria secret account listed on their twice with a different account number. How are you not breaking the law. My credit is tarnished and I am unable to get a housing loan being of your incompetence. I demand compensation and will be getting a lawyer involved.
Consumer complaint received 2024-01-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (AE)

To whom it may concern, I am writing to file a complaint against Wells Fargo regarding an unauthorized wire transfer that has resulted in substantial financial loss. I am an XXXX XXXX XXXX  protected under the Servicemembers Civil Relief Act ( SCRA ) and military consumer protection and had taken proper steps within regulation in order to recover the loss. 

Details of the unauthorized transfers are as follows : Background : The victim encountered a scammer on XXXX XXXX on XX/XX/XXXX, who later moved the communication to XXXX. Over the course of a month, the victim was enticed into investing in virtual crypto mining with promises of high returns. As the victim grew suspicious and determined that this was a scam, any further authorization for the transaction was suspended promptly to prevent further information loss. It is believed that the scammers may have worked in teams, employing hacking and other tools to access the victim 's banking and personal information, including the location. The victim had asked the only family member who had authorization for the victim 's account regarding making any further transactions, and the family member did not initiate any. 

Bank 's Involvement : Despite the victim 's suspension of actions and contacting the Wells Fargo Fraud Center, the bank did not appear to be aware of the breach and allowed unauthorized electronic transfers to take place. Wells Fargo seemingly failed to detect the breach, even though a checking call was made from the bank to verify the actions, indicating a lapse in security. Wells Fargo claims that the verification is based on the remarks of transactions made for tuition related. The victim, however, is entitled to receive GI bills for education and has no intent nor needs at the moment during the XXXX XXXX  to involve uncertain high return investments, especially during the period when the macroeconomic condition is severely risky. 

Financial Loss : The victim incurred a significant financial loss of approximately {$90000.00} to {$100000.00} from XX/XX/XXXX to the present, with a specific loss of {$75000.00} from Wells Fargo. 
I have already taken appropriate steps by filing a police report and an FBI online fraud complaint. As an XXXX XXXX XXXX XXXX, I am aware that I am entitled to protection under the SCRA and military consumer protection, as well as reported to the cyber safety manager within the organization, and this unauthorized transfer raises concerns about the security measures in place at Wells Fargo. 

I kindly request the CFPB to investigate this matter thoroughly and take appropriate actions to address the financial exploitation and breach of security by Wells Fargo. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX and I earnestly hope for a swift resolution.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. Block and remove them.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX has on my credit late fee 's, the account in question was open on XX/XX/XXXX with a limit of {$1000.00}. The account is now closed. XXXX XXXX reported some late payment which has affected my ability to obtain new lines of credit. Date reported late payments : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX RE : Acct : XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$200.00} as of XXXX XXXX also you claim LATE PAYMENTS ON XXXX XXXXXXXX XXXX  DAYS LATE, XXXX XXXX 60 DAYS LATE, XXXX XXXXXXXX XXXX DAYS LATE, XXXX XXXX XXXX DAYS, XXXX XXXX XXXX AND THERE ON. This is a formal notice that your claim is disputed. I am request validation, made pursuant to Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, 2 showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit report. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as 3 evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2024-01-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rubin & Rothman, LLC (CT)

I received letter delivered by a state marshal from the court stating I'm being sued on XX/XX/XXXX. I never received anything from the creditor or the collections agency stating the debt was transferred or that I have right to dispute the debt. In XX/XX/XXXX I called original creditor to see if they would work with me to lower my payments as I had been in the hospital and unable to pay and they refused to. I asked them to then close the account and they didn't. I enrolled the debt into a program to reduce my debt and I never heard anything from the creditor nor received anything from them or any collections agency until XX/XX/XXXX when I got the letter of lawsuit.
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (WA)

Aspire credit card sent mail regarding to increase monthly fee and mentioned on the letter that I can object to the charges with stipulation I should make full payment of the credit Then I made calls and tried to settle payment system and paid expected amount to avoid fee. 
However it was also agreed ( per conversation with customer service supervisor at that time that if I pay this coming month certain amount ( approximately {$160.00} something ). 
I thought we resolved the situation by trying to do payment but then I received email demanding payment more than what customer service representative told me with those increased fees.
Consumer complaint received 2023-07-10
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. (MA)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I requested on XX/XX/2023 that the following hard inquiries be removed from my credit report because I did not give these companies consent to pull my credit report. 
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 in return the sent me a letter dated XX/XX/2023 stating that the inquiries are factual, which they are absolutely not. with a copy of my credit report showing that i do not have any accounts with the following companies listed above.
Consumer complaint received 2022-12-08
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: Bread Financial Holdings, Inc. (WA)

On XX/XX/2020 XXXX pulled my credit without my authorization. I am trying to get a pre-approval for a home loan and it showed up on my credit report. I remember they asked if I wanted a credit card and I declined. My maiden name is XXXX.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX has violated my rights. 15 USD 1681 Section 604 states, I have the right to privacy. 15 USD 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USD 1666B : a creditor may not treat a payment on a credit card account under any open end consumer credit plan as for any purpose.
Consumer complaint received 2024-04-13
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. (FL)

I WANT THIS ACCOUNT TO BE DELETED IN 5 BUSINESS DAYS, THIS XXXX XXXX  WITH THE ACCOUNT NUMBER XXXX AND BALANCE OF {$0.00}, XXXX XXXXXXXX Account Number : XXXX IS NOT MINEI PLEASE BLOCKED AND REMOVE IT FROM MY CREDIT REPORT- IT'S VIOLATING MY CONSUMER RIGHTS UNDER
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I've contacted XXXX XXXX multiple times via phone and written letter. 
Currently on my credit reports showing inaccurate payment history. This is affecting my ability to obtain new lines of credit and life and need to be updated accordingly. I have kept this account current with no foreclosures or 3rd party collection agency being involved. The house was sold and the loan paid off.
Consumer complaint received 2023-02-27
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX Balance : {$4300.00}.
Consumer complaint received 2023-02-27
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MA)

It was announced that starting in XXXX, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports. Currently, I have ( 4 ) medical bills ( 2 Paid and 2 I'm Disputing ) each under {$500.00} ( amounts outlined below ). The three items marked as collections are critically harming my credit score. I have disputed these amounts with each bureau however they still remain as a roadblock. Can someone please assist me with this as I attempt to regain control of my score and rebuild after being heavily impacted by such reporting. 

XXXX. Date : XX/XX/XXXX, XXXX : {$480.00} XXXX. Date : XX/XX/XXXX, XXXX : {$2.00} ( Paid still showing on Equifax ) XXXX. Date : XX/XX/XXXX, XXXX : {$260.00} XXXX. Date : XX/XX/XXXX, XXXX : {$170.00} ( Paid still showing on all credit bureaus )
Consumer complaint received 2023-06-23
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: EQUIFAX, INC. (IL)

I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report.
Consumer complaint received 2024-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-11-15
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. (FL)

I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 


XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2024-01-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (IL)

On XX/XX/XXXX, I initiated an ACH from the XXXX XXXX account on Robinhood. I had {$36000.00} in already settled funds in the account enough to cover two ACH withdrawals. One to my XXXX account in the amount of {$35000.00} and another to my XXXXXXXX XXXX account in the amount of XXXX. For no reason whatsoever, XXXX and ROBINHOOD decided to reject the ACH 's one after flagging them as fraudulent and flagging my entire Robinhood account which is now restricted from doing anything. I can't trade or access my funds. I have bills to pay that were to come from that XXXX withdrawal which I now can not access and also XXXX liquidated my position the next day at a loss ( which they shouldn't have done when they promised me XXXX days to reinitiate the transfer ) costing me to take a loss which I had to pay due to Robinhood and XXXXXXXX XXXX actions that were not my fault as the funds were indeed there. 

I am not a money launder and I am not committing fraud. These funds are tax exempt funds from the proceeds of my personal home sale. I have been calling Robinhood for the last XXXX days and they are holding my funds continually now telling me that I will have to wait another 7-10+ days for them to complete their investigation into me. I have provided them with live selfies, my current IL Driver 's license, my Passport, my bank statements for all accounts involved, incoming and outgoing, and whatever else they asked for. This is in addition to the XXXX days they have already held my funds. 

I am in limbo and they are committing a crime against me here. It doesn't take this long to verify my identity and run me through whatever database they want to see that I am not a criminal. This is NOT okay and I am very angry with them. Their AI or whatever is flagging accounts saw my large transfers as suspicious but they are not. I have been a XXXX customer since XXXX without a single issue. XXXX and Robinhood should be ashamed that they consider anyone transferring money to XXXX as a criminal. It is not a crime to want to invest in some crypto esp. with the Bitcoin ETF news that just came out. 

I was planning on investing in crypto on Robinhood but they have too many limitations on the platform so I simply changed my mind after my funds were transferred. Customers have a right to change their minds and do whatever they feel like with their funds after all!!!! I realize they have to comply with Federal regulations and I realize there are a lot of fraudsters causing havok on the internet however this is not okay to make honest people suffer for those bad actors. 

I need a quick resolution to this. I am distraught and feel like I transferred funds to a bunch of criminals at Robinhood.
Consumer complaint received 2023-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXX Balance Owed : {$9200.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX Owed : {$4300.00}.
Consumer complaint received 2023-11-15
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. (CA)

I received my credit report from XXXX, XXXX, and TransUnion after being released from Federal Prison ( BOP ) on XX/XX/XXXX. 
I have been incarcerated since XX/XX/XXXX. I noticed XXXX accounts is on my credit report that is not mine. 
I am a victim of identity theft. 
I do not know who used my name and SS number while I was in prison. 
I called XXXX and was told to file a police report with my local police station.