davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made a payment to my credit card in the amount of {$2000.00}. I received no confirmation and the payment was not showing as pending, so I scheduled a payment the next day in the same amount. After that payment was scheduled, I saw two pending payments. I called B of A and was told there was nothing they could do as the payment was already pending and to call when it posted. I told them that that wouldnt work, as it posting a second time would overdraw my account. They said there was nothing they could do. I called once the payment had posted the second time, and I was told that it would take 7 to 10 days for the refund to post. I told them that was unacceptable, and the woman I spoke to on XXXX, XX/XX/24, told me that they could rush the refund and have it back in my account in XXXX XXXX XXXX  hours, but that the request would take XXXX  hours to process. Five days later, on XXXX, XX/XX/24, I called back because the money was still not back in my account. I was on the phone for half an hour with someone who is trying to figure out where my money was. I ended the call because I had to get back to work and no progress was being made. I called back later that day, and spoke to someone who was actually helpful. He let me know that, despite talking to two people already, and my first contact being five days prior, no request had been processed to refund the payment that had been wrongfully deducted. He also let me know that in that system, there is no way to do a rush refund in XXXX to XXXX hours, so he was confused and slightly outraged that I was told that something could be done that was an impossibility. I am now in a situation where my account has been overdrawn, and I will not get the money that was wrongfully deducted back for another 7 to 10 days. This is after a delay that was unnecessary of five days because the first person I spoke to not only lied, but didnt even process the reversal in the standard manner. 

These actions by Bank of America show a blatant disregard for the consumer. They have demonstrated outright lies, and a failure to initiate procedures that they have assured the costumer they are doing resulting in detrimental outcomes for the consumer due to reliance upon those lies and the associated failure to act.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I have incorrect payment information on my equifax report. 
XXXX XXXX acct # XXXX showing late payments from XXXX XXXX XXXX acct # XXXX Showing late payments in XX/XX/XXXX and XX/XX/XXXX XXXX acct # XXXX showing late payments in XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX in XX/XX/XXXX XXXX
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America reported three delinquencies on my credit report for balance of less than {$50.00}. I was assured I had autopay. I never received notice of these delinquencies nor did Bank of America enable autopay as it had indicated.
Consumer complaint received 2024-01-09
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)

Notice for Proof of Claim Account : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, 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 To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Consumer complaint received 2024-01-09
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove this inquiry from my credit report 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX 9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have reached out to Equifax, XXXX, XXXX, CSC Credit Services, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XX/XX/2023, about the spelling of my name. My name is XXXX XXXX XXXX. I told them to delete any other name that is not mines and they have not. Also address XXXX XXXX XXXX XXXX XXXX Tx XXXX is a non-mailable address and should be removed from all of the credit reporting agencies.
Consumer complaint received 2024-05-13
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Hello, Today XX/XX/2024 I tried opening the savings account from my phone with the opening bonus offer code XXXX which would allow me to earn a bonus on the money that I would be keeping in my account. 
Offer Url - https : //www.capitalone.comXXXX Halfway through the application process, I was asked to verify my identity through id card upload which was failing from the Capital One app. The app asked me to contact Capital One and get in touch with the agent. 

Upon, contacting the bank as directed, my call was transferred multiple times and I was introduced to an employee XXXX, who opened my account without the bonus code. 
Additionally, I was asked by the app to deposit funds, which I did for XXXX XXXX 

The next person XXXX did a quick check and confirmed that the code was not applied and the updates can not be made. This would mean that I would miss out on XXXX $ that I was promised before opening an account. 

I asked them to close the account then, to which they said, the account can not be closed as there is a XXXX $ transaction in progress and I need to wait for it to get through and then request for closure. 

Frustrated by this whole experience, I tried getting in touch with a manager to register a complaint. Eventually, I was connected to XXXX ( emp id XXXX ) and she registered my complaint and gave me this complaint number - XXXX. 

She however did not help provide an email address where I could raise this concern to the customer protection department. 

I strongly feel this is a clear practice of scamming/click-baiting customers into opening an account with Capital One and then not providing bonuses that were promised after 3-6 months. 

I request you to please look into this and help notify Capital one higher-ups of these shady practices. 

Thanks, XXXX XXXX XXXX
Consumer complaint received 2023-10-29
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)

I recently looked at my full credit report and came across accounts that I never opened and wasnt aware of. I also notice the last four digits of a social XXXX on my report which I would like removed because it doesnt belong to me.
Consumer complaint received 2024-01-09
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. (SC)

I let the company know that Im the XXXX XXXX XXXX XXXX XXXX and that a charge off is a Certificate of indebtness/ and is income. Income can not be reported on the consumer report and needs to be removed.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TD BANK US HOLDING COMPANY (TX)

In 2022 I purchased a couch from XXXX XXXX. I paid off that account. However there are TWO XXXX XXXX accounts on my credit report both dated 2022. One is paid off and the other is listed as " charged off '' with an account ending in XXXX. 

Last year I tried to dispute the " charged off '' account and thought it was resolved because it no longer pulls on my creditkarma report. 

However, a softpull was run because I'm trying to buy a home and it is STILL showing as a charge off. 

This account doesn't exist but yet it remains on my credit report! The phone number on the credit report ( XXXX ) XXXX doesn't even work! 

To date I have gone into XXXX XXXX and contacted the following numbers. Nobody can find this account. It doesn't exist Please remove from my credit report so I can buy a home Or tell me how to pay it!! 

( 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 2024-01-09
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. (FL)

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. 

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 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My credit score dropped from XXXX to XXXX and I am paying down all credit cards, closed some accounts and I am about to pay my car off. I do not understand this droppage and I see no where to complain on Transunion or no good explanation for how much this has dropped. Everything is paid on time or paid off. THIS IS NOT FAIR WHEN CONSUMERS CAN NOT DO ANYTHING TO CORRECT SOMETHING THAT IS OBVIOUSLY AND ERROR AND CAN AFFECT US THROUGH EMPLOYMENT AND INVESTMENTS!!! We have to pay these companies to get our reports. THIS IS SCAM FOR EVERY CONSUMER!!
Consumer complaint received 2024-05-03
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (WA)

Feed back to existing complaint ID ; XXXX ( XXXX XXXX Account # ... ... XXXX 
The Fargo Bank notified your department that all the issue with my complain is : Problem caused by my founds being low. 


I opened this platinum savings in XXXX of XXXX with XXXX $ on it. Frankly the Fargo Bank manager said, if I bring another XXXX $ they will give me this return rate of XX/XX/XXXX %.. 

So I brought it ( XXXX $ ) from another institution and then in XXXX of XXXX I had all together invested in Fargo Bank bit over XXXX XXXX And I kept that amount until XXXX of XXXX. Despite calling the Fargo Bank and going in person to them monthly, acquiring about why I am not receiving my XX/XX/XXXX % profit As we signed it. Each time Fargo Bank gave me different excuse. Just to get rid of me and to misguide me with theirs lies. 
After waiting about six months the Fargo bank kept promising that all will be fixed soon and I will get my profit of XX/XX/XXXX % .Until XXXX of XXXX I have received nothing from Fargo bank no profit XXXX. Then in XXXX of XXXX I withdrew the XXXX $ from Fargo bank since I was loosing my money from my previous bank and in Fargo Bank. So Again the money of XXXX $ was in Fargo in the Platinum saving from XX/XX/XXXX to XX/XX/XXXX. The Fargo Bank keep lying your Department and myself that the issue is : Low funds. I want Fargo Bank pay me back my profit from XXXX to XXXX of XXXX, XX/XX/XXXX % out of XXXX $ as We both signed for it. 
Thank you XXXX XXXX
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

My XXXX loans have been discharged by the Department of Education via the Borrower Defense. My loans were sold by the Department of Education and is now serviced by XXXX. The original loan was open on XX/XX/XXXX. However XXXX reported to the credit bureau that the loan was opened in XX/XX/XXXX. I have called several times to have the loans removed from my credit. I was told today that it takes a year to remove the loans from my credit report. This is hindering me from making major purchases and getting approved for small things as well. I have uploaded the discharge letter. I feel I am being extorted.
Consumer complaint received 2024-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (SC)

New property tax amount was sent in XX/XX/XXXX to Mr. Cooper, but they didn't process the change. Had to call/message/email to get them to update escrow. Followed up on change in XX/XX/XXXX to see why process wasn't completed. Was assured it would be updated. 

Received updated escrow statement on XX/XX/XXXX noting increase in payment due from XXXX to XXXX because of unfixed property tax impacting our escrow. Waited until next escrow statement on XX/XX/XXXX to show change. 

New escrow updated but still was not reflective of refund that was to be received for property tax update. Payment still increased to XXXX. Emailed and messaged but no further help was provided. Increased payment amount of XXXX was taken out. Not even the updated payment of XXXX was taken. 

No response received as of today.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

I appreciate XXXX 's efforts in addressing some fraudulent items in my file resulting from alleged identity theft. However, there are remaining items that require removal. It has come to my attention that XXXX and Equifax are not removing items despite being provided with an FTC fraud report # XXXX. According to Section 605b of the FCRA, you are legally obligated to remove items identified as opened due to identity theft. The disputed items do not belong to me. I have attached the new FTC Report XXXX and identity verification documents. The following items still need removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} -- -- -- -- -- -EQUIFAX : XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX Balance : {$0.00} -- -- -- -- -- -XXXX  : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$37000.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Dear CFPB, Equifax continues to improperly report information on my Equifax report. They are failing to follow their own policies, and the XXXX of having 100 % verifiable accurate information on my credit report. 

XXXX is still reporting inaccurately despite my dispute with the CFPB. Information included within this account is NOT accurate, and has false information. In accordance with my right to not have my character defamed, and due to Equifax inability to accurately report my information. I am requesting deletion. EQUIFAX information on my credit report is NOT 100 % verifiable and is hurting my credit report an issue I have had with Equifax for XXXX years on this account.
Consumer complaint received 2024-05-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (TN)

I called the number provided for the Ally fraud department on 3 different occasions, and each time I was routed to the main customer service line. Once I spoke with the customer service agent, they all promised to connect me with the fraud department and put me on an indefinite hold. There is no way to contact t

he fraud department, who I'm being told is the only department that can resolve the issue I am having, and no one can escalate the call or the issue. There have been promises of followup emails or phone calls but there has been no change in the situation for over 3 weeks. I can not access my bank account through Ally or my auto loan because of this issue.
Consumer complaint received 2024-01-10
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. (MI)

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.