davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
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)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-04-12
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-07-15
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Dear [ BOA representative ], I hope this message finds you well. I would like to address a matter of concern regarding the monthly fees I have been charged by BOA for several years now. As a valued customer who has been with your institution for over a decade, I feel it is important to bring this issue to your attention. 

In reviewing my account statements, I have noticed consistent monthly charges of {$12.00} listed as a " Maintenance fee. '' When inquiring about the purpose of this fee, I was informed that in order to avoid it, a minimum daily balance of {$1500.00} is required. While I understand the need for banks to manage their operations effectively, I find it unreasonable to be penalized for not keeping a certain amount in my account, especially considering I have never had a returned or bounced check. 

As a responsible customer, I believe it is my right to manage my finances as I see fit, without undue restrictions or fees imposed by the bank. I place great importance on my hard-earned money and find it unjust to have to pay fees to access more of it or to be dictated on how much money I should maintain in my own account. This level of control seems excessive and lacks the necessary transparency and oversight that customers like myself expect. 

In light of these concerns, I kindly request a thorough review of the fees I have been charged over the years. Furthermore, I request a refund of the accumulated fees, as I believe it is only fair to reimburse me for the funds that have been unnecessarily withdrawn from my account. 

I look forward to your prompt attention to this matter and appreciate your understanding of my perspective as a loyal customer. Should you require any additional information or documentation, please do not hesitate to contact me at your earliest convenience. Thank you for your time and consideration. 

Yours sincerely, THANK YOU
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Credit Systems, L.P. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2018-10-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Atlantic Recovery Solutions LLC (CO)

XXXX XXXX balance in full XXXX Settlement Amount I called in this afternoon to discuss a debt that I was paying each month because I recently had the debt card we were using to make auto pays compromised. I spoke with three reps XXXX XXXX, XXXX XXXX, XXXX XXXX. I wanted to just move the XXXX pmt to XX/XX/XXXX since I was unable to pay the full amount. XXXX XXXX told me I couldnt change the payment plan because they need a payment for XXXX. I ended that call and received a call back from the other rep XXXX XXXX who said she was returning a call that dropped and after I told her what I needed to do with the acct she told me that I can not dictate my own debt and they will see me in court and hung up. I called back and spoke with a compliance supervisor by the name of XXXX XXXX. XXXX did take the time to listen to my situation and helped me get to a resolution that both of us found reasonable. She said the rep would be reprimanded for threatening me with legal actions. I Felt threatened when I was told I would be sued over trying to make payments on an account Ive been paying since it got moved to their company. XXXX did help me feel more at ease but I still dont like the practices that company is training to their employees, because who knows how many people they tell that on a daily bases and actually get to pay with the deceiving collection tactics.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

I had a business account at Chase Bank and gave the employee five checks a week, and she changed the date and amount at her deposal, defaced 13 times, caused more than {$5500.00} in damages, so I informed the bank and sent them the documents, copies and police reports that they wanted, and I asked for help
Consumer complaint received 2023-05-08
Product: Credit card or prepaid 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: CITIBANK, N.A. (CA)

Reported to the company on XX/XX/XXXX that the charges made were fraudulent, but they are still holding me responsible. Im going to file a police report as well as talk to a lawyer about this case. 

These charges were made on 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 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/2024 around XXXX XXXX I was at the drive thru ATM of the Bank of America located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I tried to withdraw {$760.00} and the ATM didnt give me the money but discounted the amount in my checking account. I immediately made the claim by phone and 7 business days have passed and the bank doesnt have any information about the case.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

We opened our account specifically with no overdraft protection. Wells Fargo has since charged, on multiple occasions, $ 1,000+ in overdraft fees for transactions they state, have allowed at their discretion even though overdraft protection is not active on the account. 

For the past six years we have fought this battle with them to no avail. Just in the last two weeks we have been charged {$1000.00} in overdraft fees for transactions we did not allow to post to our account. 

This has caused a tremendous financial hardship on our family with to the point where we now seek our meals from a local food bank this weekend. 

Wells Fargo has illegally taken our money and continues to hold it. We have been communicating with their executive offices where we are passed around to various voicemails with no return call back. They hide behind secure email to break the news that they have not ruled in our favor. 

It is important that a large multibillion dollar organization can not commit a crime then bully their customers to believe they have no rights in the situation. 

Now we are left explaining to our children why we cant buy food because Wells Fargo stolen our money.
Consumer complaint received 2018-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (CA)

I have tried to apply a mortgage loan and discover a fraudulent account in my credit report that I have never applied. I am a victim of identity theft and someone opened a fraudulent account ( XXXX XXXX XXXX XXXX and account no : XXXX ) without my permission or knowledge. I've filed an identity theft report and submitted this document to the credit reporting agencies : Experian, XXXX, and XXXX, and also XXXX XXXX XXXX asking to block and remove fraudulent account from my credit report. The credit reporting agencies removed XXXX XXXX XXXX XXXX account ( partial account no : XXXX ) from my credit report, but recently I have checked my credit history and I discovered that Experian reinserted the fraudulent account back to my credit. I have contacted with Experian but they refuse to help me to delete reinserted fraudulent account from my Experian credit report.
Consumer complaint received 2023-12-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc. (TX)

I arrived at my apartment and there was not electricity, I went to the leasing office in order to know what was going on and I was told by the leasing XXXX that XXXX XXXX was cut off the service. I called to XXXX XXXX asking why they cut off my service if I was paying my bills on time. The representative told me by phone that XXXX XXXX cut the service by mistaken then I was asking to reestablish the service because there were high temperatures in those days, and he told me that was not possible to do the reestablishing of the present contract and he told me that I should be wait XXXX weeks. I told him immediately that it was not possible for me how can I was going to be XXXX weeks without electricity. After I finished the conversation, I called another provider in order to have a service, however until XXXX days later I had electricity. 

On the next day that issue happened a XXXX XXXX representative called me offering to me another contract and I told him that I had already taken another contract with another company because how was I going to be without electricity for XXXX weeks. 

When I received the last bill from this company, I noticed they were charging to me the termination contract fee. then I called them back in order to ask them why they were charging to me that charge since I did not request the termination of the service. Also, on this conversation they were trying to convince me to stay with them. I told to the representative since the cut off the service without my requirement I was on my rights to looking for another provider to provide electricity inmediatly. Because I explained to him that on my first conversation XXXX XXXX told me that I should be wait XXXX weeks.
Consumer complaint received 2018-10-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 DEPT OF EDUCATIONXXXX 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 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

Equifax did not do a complete thorough investigation as I requested, no proof the information was verified, they sent a computer-generated confirmation. Please verify these are my accounts with the original contracts signed by me, and all accurate payment history, amounts, the opening date on the report, as stated above with complete and accurate information. We can see there were no investigation completed as the XXXX Account has an available credit line of - {$150.00} dollars, how can this be if it is closed, and a charge off?
Consumer complaint received 2023-07-14
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: TRUIST FINANCIAL CORPORATION (TN)

This is in reference to case number XXXX. Truist has completely failed me and I am at a complete loss. I was the victim of identity theft and had a loan taken out fraudulently in my name in 2022. I have submitted all documentation required, including an FTC Identity theft report, police report, ID verification and more. These are sworn affidavits. However, Truist continues to state that the account was not the result of Identity theft and no further action will be taken. I don't believe that Truist actually investigated this matter at all. No investigation report was provided to me at all. I would like a copy of this please.When I asked I was simply told that the loan agreement was sent to my mailing address. This a blatant lie as I never received any notice of a loan being opened in my name at that time. No identity verification took place. The person that took out the loan accessed by Lightstream account that I already had and signed documents electronically without my consent or knowledge. Lightstream/Truist failed to properly verify this loan. I was the victim of several other identity thefts at that time and over a period of months. All other institutions handled my identity theft and were on my side. Truist continues to not be. 

I have been a client of Truist/BB & T for over 20 years and you are basically calling me a criminal and a lia. I provided a police report and FTC report certifying that this loan was fraudulent and their response to this was negligent and dismissive. I would like a proper resolution to this issue otherwise I will be forced to consider legal action against Truist. I will also be reporting this to local media outlets that may be interested to know that Truist Bank apparently does not follow the FCRA and Regulation E. Truist should support their long time clients who fall victim to Identity theft and remove fraudulent accounts and inquiries from their credit report, rather than treat them like the criminal themselves. I certainly believe its time to reconsider my primary bank moving forward. 

With that being said, I do not wish to destroy my personal credit over this account. Im at a total loss and if I have to pay the account, Ill just have to do it to be done with this nightmare. During the course of this investigation the account has gone into past due by 3 months on my credit report. If I am willing to bring this account back to current with a payment, would Truist be willing to remove the negative late payment remarks from my credit report? Again, I was a victim here and the account wasnt opened by me, but Im just done fighting with Truist and the Credit Bureaus at this point and am willing to just move forward if Truist would be willing to help me out and remove these negative remarks from my credit reports.
Consumer complaint received 2023-07-14
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: ALLY FINANCIAL INC. (FL)

I had a XXXX XXXX on XX/XX/XXXX. I purchased my XXXX XXXX XXXX XXXX on credit through Ally Finance and made my payments on a regular basis. After the XXXX, Ally Bank suspended my car loan payments. A total of {$16000.00}. Despite repeated calls, none of my calls were answered. At the end of the 4th month, Ally Bank requested a refund of {$35000.00}, a figure above the current total repayment amount of {$16000.00}, from my insurance company. As a result of our objections, my insurance company finally collected the parking fee and other transportation fees in XX/XX/XXXX, as well as the sum of the installments that I did not pay, with interest. He paid back {$19000.00} and the debt was settled. Ally Bank held me responsible for a payment dispute with the insurance company Progressive after I charged a higher fee than the payment amount, even though I had no obligations. He sent me a letter to Ally Bank about my late payment. Because of this, my credit rating was unfairly lowered. As a result of the dispute between Ally Bank and XXXX XXXX XXXX regarding the repayment amount of the vehicle, my credit rating was unfairly lowered. I demand and demand that this injustice be corrected as soon as possible and that my credit rating be corrected. 
Thanks XXXX XXXX
Consumer complaint received 2023-07-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (ID)

My name is XXXX XXXX XXXX, I have a Robinhood investment account which also has a cash management bank account linked to it. A week ago the system froze the account because of a system alert when I tried getting gas with it. I submitted all the documents and they keep saying they are reviewing my ID and cant give me anymore information. I cant withdraw or transfer any funds because my account is restricted until a review is finished. There was no need to lock my account and they are dragging this along after I submitted the same documents multiple times.
Consumer complaint received 2023-07-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IL)

I have been advised that my loan is being serviced by Firstmark Services although it is owned by Firstmark Serviced Trust. When attempting to negotiate the terms of my loan I was told, by Firstmark Services, that they are only a servicer and can not make any changes to my loan. I was told that I would need to reach out to my lender to attempt any changes. I asked Firstmark Services for a direct contact to my lender and was refused initially, now, Firstmark Services says, via my initial complaint to CFPB, that there is no direct contact information for my lender. I believe borrowers should have access to their lender which was the case before my loan was sold by XXXX to Firstmark Serviced Trust.
Consumer complaint received 2023-07-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Credit Corporation (VA)

On XXXX XXXX XXXX my husband attempted to make payment on a reported debt for which they had frozen his XXXX account for {$63.00} in taxes on a vehicle in which we no longer own. NCC refused to take payment from him. The representative, XXXX XXXX, once I was on the line with them demanded Personally Identifying Information from me to which I told her she was not legally allowed to demand. I also gave permission for her to take payment from my husband to which she refused again. I called back and got another representative, XXXX, who assured me that they did not need PII and I was able to make the payment without issue. It was then that I realized that XXXX XXXX was attempting to get the information for the purpose of identity theft. This should be investigated because other people may not realize that they do not have to give PII to her.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX claim number # XXXX Dear Sirs, I have a complaint to file in regards to my XXXX XXXX XXXX XXXX XXXX I am XXXX XXXX XXXX and until recently had perfect credit, XXXX rating. 

I have contacted the credit agencies as well as XXXX directly with no resolve. 

My XXXX XXXX account is for a security system. A very low monthly payment that was setup with auto pay and my XXXX XXXX credit card. 

In XXXX of 2023 XXXX XXXX without my knowledge canceled the card due to apparent fraud. 
When I found out about this I contacted XXXX immediately, paid up the account and gave new credit card. I asked if I could put an additional card for a backup to make sure this never happened again and they said no. 

I was never contact by XXXX when the card was declined. No phone call, email or text. Instead they just report a late payment and dropped my score XXXX point or more. Several other vendors that I had auto pay with had the courtesy to make sure they notified me. We are are talking about a {$75.00} a month auto pay that XXXX XXXX was in charge of. It is not like I was bouncing checks. 

XXXX said they would contact the credit reporting agencies and explain the situation. It does not look like anything had been done. 

I am extremely frustrated as I have worked my entire life to keep great credit and this without my knowledge is causing a major problem. 

Please let me know when and how we can rectify this. 

Thank you, XXXX XXXX