davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: KEYCORP (CT)

Regarding Key Bank. 

On XX/XX/2024, I submitted a dispute of charges to : XXXXkeybankXXXX. I was disputing recurring charges from XXXX in the amount of {$7.00}. I included screenshots of the conversation I had with the XXXX representative. Key bank initially provided provisional credits totaling {$80.00}, which included overdraft fees. On XX/XX/2024, I received an email advising that my account is overdrawn yet again. This is due to the reversal of the provisional credits and yet another unauthorized charge by XXXX I spoke with a Customer Service Rep at Key. I was told that because XXXX had previously refunded these charges, Key reversed the provisional credits. This is inaccurate information. I have had so many struggles and overdraft fees from this bank. There is now yet another unauthorized charge on my account from a different vendor for $ XXXX. That will result in yet another overdraft charge. Furthermore, I did not receive any notice - emailed or otherwise from the bank notifying me of their decision to reverse my provisional credits. Without knowing their decision, I had no way of knowing that I needed to fund this account. I am anticipating that by the time this complaint is received, I will be charged at least {$40.00} in overdraft fees. When I spoke to this representative I told her I wanted to close my account. She told me I needed to speak to the " Consumer '' department. She returned to the line and told me that they would not speak with me to close my account because my account is overdrawn. The person that refused to speak to me is " XXXX. '' The number to the Consumer department is : XXXX. I have scheduled a transfer to fund this account to cover the current overdraft charges of $ XXXX. The vendor ( XXXX ) that made unauthorized charges to my account- I can't request to have them blocked from recurring charges, because the bank will charge me a fee of {$35.00}. I bank with XXXX other firms and have never had this problem.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 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 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 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
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mcburberod Financial, Inc. d/b/a SeedFi (FL)

I received a loan from SeedFi. They changed companies that serviced them. They went from XXXX XXXX XXXX  to XXXX. Instead of showing transferred or closed from XXXX XXXXXXXX XXXX, it still shows as active. I paid off my loan in XXXX of 2023 and XXXX reported it correctly as closed. But the XXXX XXXXXXXX XXXX still shows as active on XXXX. I called SeedFi and they stated they couldnt help me because XXXX services the loan and I called XXXX to help and they stated that they couldnt help me because they reported correctly and its XXXX XXXX XXXX issue and that I needed to call SeedFi. I then took the initiative to reach out to XXXX XXXXXXXX XXXX the last week of XXXX and they were to call me back within XXXXXXXX XXXX and never received a call back.
Consumer complaint received 2024-04-17
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: EQUIFAX, INC. (MN)

I am writing to formally dispute the presence of some unauthorized hard inquiries on my credit report, as indicated in the report recently provided by your agency. Upon careful review, I have identified these inquiries that were conducted without my explicit consent or knowledge. I am reaching out to seek your assistance in thoroughly investigating and expeditiously removing these inquiries from my credit report, as it adversely affects my creditworthiness
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am a victim of ID theft reported to XXXX Police Department XXXX. 
I have reported the fraud of the Capital One Credit Card stolen in United States Postal Service Mail. Or, from the mailbox at my residence. 
Capital One has not responded with a new card. 
Our correspondence has been on-going from XX/XX/XXXX to XX/XX/XXXX. 
I still have not gotten replacement card.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute an illegal collection that has been reported on my TransUnion credit report. The collection is for a debt that I am not responsible for, as it was incurred due to a work-related injury covered by workers ' compensation in Texas. 
According to Texas Department of Insurance, Division of Workers Compensation, providers/collectors are required to send bills related to workers ' compensation claims to the carrier. However, the collector in question has disregarded this requirement and reported the collection on my credit report. 
This action constitutes a violation of my rights and is illegal. 
The continued listing of this collection despite previous investigation suggests that Their procedures have not been adequate in this case. I have attached copies of the relevant documentation, including the workers ' compensation claim and the insurance carrier info, to support my claim.
Consumer complaint received 2024-02-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year> @ XXXXXXXX XXXX I initiated a wire transfer from XXXX to XXXX XXXX XXXX, for {$4500.00} to their Wells Fargo account. The funds settled according to XXXX, yet neither XXXX nor Wells Fargo have been able to provide proof that the wire transfer was received. I have attempted to recall the wire transfer through XXXX multiple times, yet Wells Fargo have not responded to the attempts. I visited a Wells Fargo bank in person and spoke with a manager. However, because the Wells Fargo account belongs to XXXX XXXX, they were not able to look into this issue and suggested I escalate this issue with XXXX. XXXX XXXX does not appear to have a customer service line to connect to any live individual. I attempted to call the dealership where I got the car, however they were not able to provide any information either.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX XXXX  reporting multiple late payments in the year of XXXX, XXXX, XXXX on the account which is all a error. 

XXXX XXXX reporting late payments in XX/XX/XXXX XXXX XXXX XXXX reporting late payments in XXXX XXXX, XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX reporting late payments in XXXX, XXXX, XXXX, XX/XX/XXXX.
Consumer complaint received 2023-10-11
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. (MD)

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 XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-07
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. (FL)

The unverified items 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 items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

I HAD SUBMITTED THE INCORRECT INFORMATION THE FIRST TIME AND RESENDING TO THE PROPER COMPANY NOW. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXX/XX/year> I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy. Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so. Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no. Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. Thank you for understanding. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (CT)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Consumer complaint received 2023-12-03
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # 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.
Consumer complaint received 2024-05-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am writing to submit a formal complaint against Bank of America concerning their handling of my auto loan account ( # ending XXXX ) which was opened on XX/XX/XXXX. Despite my diligent efforts to manage this loan responsibly, including attempting to set up an automatic payment system and making manual payments when necessary, I have encountered a series of errors and negligence on the part of Bank of America. This has resulted in the unfair accumulation of 11 late fees totaling {$620.00} from XX/XX/XXXX, to XX/XX/XXXX, due to miscommunications and procedural errors by the banks representatives. 
Upon attempting to enroll in eBill AutoPay in XX/XX/XXXX and subsequently making a manual payment on XX/XX/XXXX, to cover the first due payment, it was not disclosed to me by the representative that my account setup for XXXX XXXX  monthly billing cycle was incomplete. This oversight resulted in my account falling behind, unbeknownst to me, culminating in multiple late fees. Furthermore, despite the lapse in communication on the bank 's part over the XXXX period where late fees were being charged, it was only in XX/XX/XXXX that I was contacted regarding the status of my vehicle and informed about the arrearage. 
My request for late fee waivers and account correction on XX/XX/XXXX, was not appropriately addressed ; instead, I encountered further negligence when a payment supposedly made over the phone with a representative was not processed. Despite repeated attempts to resolve the issue, including eight additional contact attempts and an unacknowledged email inquiry regarding the late fees, my concerns have not been adequately resolved. 
This experience raises serious questions about the bank 's practices, especially regarding consumer communication, financial management, and the security of personal information. This situation appears to contravene the Truth in Savings Act ( TISA ), which safeguards consumers against excessive fees without proper notification. 
Given these circumstances, I am seeking the following resolutions : A refund of all 11 late fees erroneously charged from XX/XX/XXXX, to XX/XX/XXXX, amounting to {$620.00}. 
The immediate institution of a payment arrangement to update my account to a current status, preventing any future erroneous late fees or charges. 
An exhaustive review of my account 's management by Bank of America, including an audit of communication logs and payment processing protocols to evade similar issues for others in the future. 
Firm assurances regarding the security and lawful handling of my personal and account information. 
Straightforward and timely updates from Bank of America on the measures taken to resolve this matter to my satisfaction. 
I trust the Consumer Federal Protection Bureau will take my complaint seriously and assist in rectifying this distressing situation promptly. Thank you for your attention to this matter.
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: IQOR US INC (FL)

This is a new debt collector from a debt that was already disputed with CFPB and closed. I am a victim of identity theft, I do not owe this debt, and this debt collector is not supposed to be contacting me. I did not authorize permission for this to be listed on my consumer report to anyone.
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (MN)

We purchased tickets for a bus tour from XXXX XXXX on XX/XX/year> while on vacation. We paid XXXX, which came to {$120.00}. The company 's website and brochure advertised that they had live guides, which was important to us. The ticket agent from whom we bought the tickets ( and gave us the brochure ) also verified that they had live guides. However, once we were on the tour, that was not the case- they only had a poor-quality recording. An agent at the next stop told us to contact customer service for a refund, which I did the next day. I exchanged several emails with XXXX over the next week, but they refused to provide a refund even though they did not dispute the validity of my claim ( statement from them in an email included in documentation ). 

I finally resorted to disputing the charges on our Fidelity credit card and contacted Elan Financial Services ( who manages the Fidelity credit card ) on XX/XX/year>. Elan issued a provisional credit, but then reversed it on XX/XX/year> because they claimed I had not provided proof, even though I had faxed them 12 pages of documentation on XX/XX/year>, which was the deadline. After contacting them again on XX/XX/year>, they reinstated the provisional credit on XX/XX/year>. Then on XX/XX/year> they again reversed the provisional credit. On XX/XX/year>, I contacted them to find out why they reversed the credit and was told that " you received the services represented by the transaction, '' which is completely incorrect. We did NOT receive the services represented by the transaction- in fact that was the entire reason for the dispute! I requested that a manager in their Case Management department call me. Later on XX/XX/year>, I also faxed them a letter outlining what had taken place along with a copy of the brochure we received when we purchased the tickets, which also claimed that XXXX had live guides. I had to call them again on XX/XX/year> and yet again today ( XX/XX/year> ) before I finally talked to a manager in Case Management ( XXXX XXXX He just kept telling me that they were not " able '' to credit me since we went on the bus tour, which is absurd. If we hadn't gone on the tour, we wouldn't have known they didn't have live guides. Furthermore, we couldn't get off the bus once we were on it, unless we wanted to walk miles back to our hotel. After my call with him, we received a letter from them dated XX/XX/year> saying the same thing.
Consumer complaint received 2024-05-17
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. (VA)

This account was charged off on the following date ( XX/XX/2019 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account name XXXX XXXX  Account number XXXX
Consumer complaint received 2024-04-16
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)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-08-07
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or Block. Per FCRA you are expected to delete these items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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
Consumer complaint received 2023-08-07
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. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX  XXXX and XXXX - XXXX XXXX XXXX