davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a business checking account in XXXX by going to BOA small business promotion.bankofamerica.com at the time the website listed offer deposited XXXX and will received {$500.00} bonus after 60 days. I called BOA after the account was opened was told the coupon code applies and will get the credit in XXXX, but in XXXX I called multiple times either was transfer to different department ( sale vs customer service ), or told it will be escalated to manager for review, or the case was closed without reason. Finally I called again XX/XX/13 was told the rep the management closed the case as offer doesn't match target a while back. I was never told the outcome until I contacted BOA and the rep couldn't get that information until she talked to someone higher up. If the offer isn't a match based on account, then it shouldn't be listed on BOA website and after I called was told it will be credit in XXXX, customer had to call multiple times to inquiry and when the case is closed BOA failed to disclose to the customer. I believe BOA intentionally deceive customer into making depositing and prolong the process and refused to disclose the outcome in hope the customer won't close out the accounts and keep the deposit in bank.
Consumer complaint received 2023-10-09
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: Experian Information Solutions Inc. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-04-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
Consumer complaint received 2023-02-22
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: PENTAGON FEDERAL CREDIT UNION (WA)

I am submitting a complaint regarding my Pentagon Federal Credit Union Credit Card Account number starting with XXXX with a 30 Day late reporting. I do not recall being late and according to my research dealing with late payments, because of COVID 19 and The Hero's/ Care 's Act, this should have not been reported.
Consumer complaint received 2023-11-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hi, I have a Capital One credit card and I tried to pay through the website and when I entered the bank account from which Capital One can withdraw money from my bank account. I accidentally entered my bank account and also my check number, for example I entered the account number XXXX and also added XXXX which is my check number and that's why XXXX XXXX did not have the option to withdraw the money. And they wrote that I have a return payment And I called them several times and they understood the problem and they didn't want to help me open my account back I have a few complaints about this 1 Capital One did a great deal of damage to my business because I couldn't run the business as usual, buy things and sell and with that pay Capital One 2 They did me a great deal of damage that they put on the credit report that I have a credit card that was closed to me 3 Capital One did me harm, they also closed the private credit card I had at Capital One 4 Capital One When they closed my card I had points and cash back percentages for every dollar I use the card and they did not credit the money to my account 5 Capital One closed my account and the credit card was for 12 months without interest and because they closed my card I couldn't do well with the business which is why I want them to open my card back and give me another 24 months to pay the debt without interest. 

I have asked them several times to reopen my account and there is no answer Therefore, I appeal to you, Consumer Financial Protection Bureau, to help me. The injustice that Capital One did to me is a great injustice and can not be forgiven. And I really hope to God That you help me open the voucher I had back and all the winnings I deserve I have no words to bless you Best regards XXXX
Consumer complaint received 2023-10-09
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. (FL)

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020
Consumer complaint received 2024-04-06
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. (IL)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-10-09
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: Experian Information Solutions Inc. (VA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2023-04-25
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.
Consumer complaint received 2023-10-09
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. (VA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2023-11-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I was told i wouldnt pay more than XXXX I was scammed into a higher than agreed upon interest rate, yet my credit score along with my cosigners suffers due to allegedly oweing XXXX i made all on time payments until the vehicle was repossesed late at night never to be seen again. i sent an affadavit stating i no longer was to be responsible for the vehicle loan on my credit score but every month i still get hit in my credit score
Consumer complaint received 2023-10-09
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)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX Balance : {$100.00}
Consumer complaint received 2018-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (VA)

I purchased a 7 day trial for {$1.00}, and it was advertised that you could cancel during the 7 days and there would be no additional costs. The number I was given to cancel was XXXX, which is also the number that was listed on Experian 's web site and also on my bank statement from XXXX XXXX. When I called the number, the automated service asked for my social security number and zip code, which I provided, and the response was that my account was a FREE ACCOUNT and there was nothing to cancel and it then hung up. It would not give me the option to speak to someone. After calling this number 4 times over 3 months, I assumed it was correct and did not review my bank statement again until a automated withdrawal caused an overdraft, and after checking my account detail, it was again Experian deducting another fee. I went to the bank and put in a protest of the fee, and also closed my account and created a new one. The bank gave me 3 additional numbers to call at Experian. Two of them also had the same recording that my account was free. The third one, XXXX provided a human to talk to, and she apologized and refunded the last withdrawal, but would not refund the overdraft nor the previous 7 withdrawals. I then told her to inform her management that I was reporting them for fraud, as they provided a number to cancel which informed me, the consumer of false information, and would not allow me to cancel.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.
Consumer complaint received 2023-10-09
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 won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. My distress arises from the fact that I HAVE BEEN A VICTIM OF IDENTITY THEFT, A CRIME THAT HAS INFLICTED SEVERE EMOTIONAL AND FINANCIAL TURMOIL UPON MY LIFE. YET, YOUR BUREAU 'S RESPONSE, OR RATHER THE LACK THEREOF, HAS DEMONSTRATED A SHOCKING DISREGARD FOR THE URGENCY AND GRAVITY of my situation. Let me be unequivocally clear : I WILL NOT TOLERATE THE APATHY AND INDIFFERENCE I HAVE ENCOUNTERED THUS FAR. As a victim of identity theft, I have been subjected to unauthorized accounts and transactions that have marred my credit profile and compromised my financial stability. The consequences have been dire, affecting my ability to secure loans, mortgages, and even employment opportunities. ACCOUNT : XXXX XXXX XXXX XXXX XXXX. Please remove this account ASAP.
Consumer complaint received 2023-05-02
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: TRANSWORLD SYSTEMS INC (NC)

XXXX XXXX XXXX Dear Sir or Madam : I am the victim of identity theft. I am writing to dispute fraudulent charges on my credit reports for the reporting providers listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX 15 USC 1681 Section 604 States rights to consumers privacy Reporting agencies can not furnish an account WITHOUT my written consent! 
I am requesting that the charge be removed from each reporting agency. I have not received any account number or correspondence regarding these accounts. Pursuant to the law, I am providing you with the following documentation, so that you can verify my identity : ( A ) A copy of my drivers Please investigate this matter and correct the fraudulent charges/debit as soon as possible. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-10-09
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. (CA)

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. My distress arises from the fact that I HAVE BEEN A VICTIM OF IDENTITY THEFT, A CRIME THAT HAS INFLICTED SEVERE EMOTIONAL AND FINANCIAL TURMOIL UPON MY LIFE. YET, YOUR BUREAU 'S RESPONSE, OR RATHER THE LACK THEREOF, HAS DEMONSTRATED A SHOCKING DISREGARD FOR THE URGENCY AND GRAVITY of my situation. Let me be unequivocally clear : I WILL NOT TOLERATE THE APATHY AND INDIFFERENCE I HAVE ENCOUNTERED THUS FAR. As a victim of identity theft, I have been subjected to unauthorized accounts and transactions that have marred my credit profile and compromised my financial stability. The consequences have been dire, affecting my ability to secure loans, mortgages, and even employment opportunities. ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX. Please remove these accounts ASAP.
Consumer complaint received 2023-10-09
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$380.00} XXXX  XXXX Balance : {$21000.00}
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NC)

I am writing to file a formal complaint against XXXX XXXX  regarding a fraudulent account that remains on my credit report despite my previous requests for its removal. This situation has caused significant distress and financial harm, and I believe it is necessary to involve the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 

According to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 8 ) [ 1 ], XXXX XXXX  is obligated to conduct a reasonable investigation of a direct dispute when it relates to the consumer 's liability for a credit account or other debt with the furnisher. I have previously notified XXXX XXXX  about the fraudulent nature of the account and provided substantial evidence, including my driver 's license, social security card, police report, FTC ID Theft Affidavit, notarized letter, and prison release form [ 6 ]. 

In addition, under FCRA Section 609 ( e ) [ 2 ], XXXX XXXX  is required to provide records of fraudulent transactions to victims of identity theft within 30 days of receiving a request for these records. Despite my request, XXXX XXXX  has failed to comply with this requirement. 

I have made multiple attempts to resolve this issue directly with XXXX XXXX, but they have been unresponsive and have not taken any action to rectify the situation. Therefore, I am turning to the CFPB for assistance in resolving this matter. 

I kindly request that the CFPB investigate this complaint against XXXX XXXX  and take appropriate action to ensure the removal of the fraudulent account from my credit report. XXXX XXXX XXXX failure to comply with the FCRA not only violates my rights as a consumer but also has severe consequences for my financial well-being. 

I have attached all relevant documentation, including my previous correspondence with XXXX XXXX  and the supporting evidence of the fraudulent account. I trust that the CFPB will thoroughly review this complaint and work towards a resolution that is fair and just. 

Thank you for your attention to this matter. I look forward to a prompt response and the resolution of this issue.
Consumer complaint received 2021-07-27
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 — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY (TX)

This is a formal complaint against TD Auto Finance located in XXXX XXXX, MI. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, TD Auto Finance has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2023-10-09
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)

This is my XXXX 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX