davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
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. (IL)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-12-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (FL)

On XXXX XXXX I did a bank to bank transfer. As soon as I did Chime said it wouldn't be available for XXXX days. The day it cam available my account was placed on hold for unusual activity. Chime has asked me to submit my drivers license, social security card, picture of the debit card, past 3 months bank statements, reciepts, bills. I have uploaded and submitted these documents every day at least 4 times every day and calling them at least twice a day. And its become a ridiculous, unnecessary, unprofessional cycle of a run around circus. I just want my money and an explaination.
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have been paying separate interest ( cash advance interest ) on my credit card statement each month in addition to the regular interest charged on my charge purchases. This has been going on for some time but when I look at my statement online it shows that the Cash Advance interest rate is 28.24 % just as it is for regular charge purchases 28.24 %. So I called them today, XX/XX/XXXX to inquire about what cash advance purchase was made and when because I don't recall when I have ever made a cash advance purchase with this credit card. Well after speaking with 2 customer service reps and ultimately a Supervisor they told me that this was a cash advance made in XX/XX/XXXX for {$63.00} ( over 5 years ago ). I told them that after all this time paying interest each month this balance wasn't never paid off! I most often always pay more than the minimum payment each month. Why can 's some or part of that additional payment go toward the cash advance balance. They told me the only way that {$63.00} would be paid off is if I pay the account in full, otherwise it would keep accruing interest forever more until the entire account is paid in full. This to me is bad practice. If this is the case as they say, then why would any one want to use the cash advance feature when they would have no chance of paying it off. Furthermore, even though they charge me interest on this cash advance, they avoid putting on my statement if anything has been applied nor include any information about the original balance.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

{$2500.00} Open balance XXXX XXXX XXXX Original creditor In accordance with the Fair Credit Reporting Act, this creditor has violated my rights! 5 USC 1681 I HAVE A RIGHT TO PRIVACY. 
Consumer reporting agency can not furnish an account without my my written instructions under use 15 1666b A creditor may not treat a credit account under an open ended consumer card for any purpose.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (GA)

XXXX XXXX XXXX XXXX {$34000.00} XXXX XXXX, XXXX XXXX XX/XX/2023 {$40000.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 {$360.00} XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

I know I am not the first but I hope I will be the last to have to deal with this and put an end to it. US Auto Sales of Georgia closed its doors earlier this year and sold off my auto loan to Westlake Portfolio Management. My car was total lossed on XX/XX/XXXX and Westlake has not done any paperwork associated with, or made any attempt, to complete the GAP waiver process which was connected with my original agreement. I was further informed today, XX/XX/XXXX that I am required to submit the GAP claim myself because it was done through a " third party. '' I spoke with the GAP provider who proceeded to inform me this is indeed their full responsibility to submit on my behalf. All the paperwork they would require from me is already in my possession but I am getting absolutely NO traction on this whatsoever. I am making an official claim against Westlake for incompetence and failed business processes that unclear/differing information from multiple customer service agents I have spoken with in regards to this process. 

I am going in a circle with Westlake Portfolio Management and absolutely would not recommend that anyone do business with this company if they can avoid it.
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX I applied for a refinance, I was told that Bank of America had on my credit report that I have not been paying my Home Equity Line of credit. I have receipts as I go into the branch and pay. The Branch did not know why the mortgage department said I owe when there records say I am up to date ( I have the record the branch gave me ). I called the equity department on XX/XX/XXXX, they said the branch can't see what I really owe and that I was short on my payment for the last few months. I paid what I was told and was also told that within 10 days my Credit report would reflect that I don't owe Bank of America anything. Just found out that Bank of America has on my credit report that I owe {$49.00}. I asked where did that come from and was told XX/XX/XXXX. I am now told that they will not fix my credit until next month. They keep lying and lying and charging me every time I call. The Branch can't help, they don't know what to do either. I feel as I am being held ransom by Bank of America.
Consumer complaint received 2023-12-11
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

On XX/XX/23 I applied for a Macy 's credit card to take advantage of a store sale. I paid the entire amount of the purchase using another credit card. 

XXXX Citi Bank purchased the account. 

On XX/XX/23 I received a letter from Citi Bank claiming that my account was past due. 

I called my local Macy 's and was able to determine that I owed {$64.00} of which {$30.00} was past due. 

These charges were not authorized by me. 

I spoke with the XXXX XXXX and was told, over the phone, that due to the dispute my account now had a XXXX balance. I was not allowed to close my account.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2023-11-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (NJ)

myloancare.com is experiencing issues and this is not the first time. You can't reach them via phone or email and their website is not working.
Consumer complaint received 2024-03-21
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)

Despite numerous written requests, the unconfirmed accounts listed below persist on my credit report, which is a breach of federal law. The XXXX Credit Bureau has not adhered to the Fair Credit Reporting Act, 15 U.S. Code 1681i within the legally mandated timeframe. They have continued to report unverified information despite my efforts to resolve this directly with the creditor. This can be seen as deliberate negligence and non-compliance with federal regulations. I kindly request the immediate removal of the following accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-19
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. (NJ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

This company has continued to violate my consumer rights. They are in violation in 15 USC 1681 B-Permissible Purpose, 15 USC 1681 Q, 15 USC 1681C-2 . This company responded to my dispute as you can see in the document attached stating that this account has been verified by the company reporting it. They have NOT supplied any proof of this account verified. The have no permissible purpose to report these accounts on my consumer report. The law is clear and it states these companies must have my written permission and they DO NOT!!!! You also can see that I have a letter attached from the company US Bankruptcy Court where they are stating they did not verify any of my information with these consumer reporting agencies. This company is falsely reporting inaccurate information on my consumer report and I am demanding they stop and remove this fraudulent information for their financial gain. This is illegal!!! Here are all the documents I have sent to them showing them proof they are illegally using my personal information and they have refused to stop.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have been a customer of Bank of America since XXXX. I had over {$21000.00} worth of charges on two different cards. On XX/XX/XXXX I called the bank to pay off the balance which was about {$3100.00}. The agent I spoke to told me this would make my balance {$0.00}. On XX/XX/XXXX I saw a {$30.00} balance posted to my account. I call the bank and spoke to an agent that told me this was the balance of the interest. I told this agent that if there was additional interest the 1st agent should have told me that so I could have paid it. I was very upset but polite. The 2nd agent told me she would escalate the ticket to see if the interest charge could be waived. Two days later I called back and the agent told me the waive had been denied. I ask her what the was the reason the request was denied and she couldn't give me an answer. Being a customer who always paid on time and customer sinceXXXX, I couldn't understand why they would denied such a small amount. Especially since the 1st agent told me there would be a zero balance and didn't mention anything about additional interest charges
Consumer complaint received 2023-12-19
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (TX)

I was denied a VA mortgage loan from Navy Federal Credit Union in XX/XX/2023. I was denied for reasons that was unwarranted or justified based on income and race. 
XXXX mortgage I explained that I was putting a XXXX down payment. My net worth is valued over XXXX XXXX dollars. 
XX/XX/2023 XXXX
Consumer complaint received 2023-11-30
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: CBC Companies, Inc. (NC)

per credit report on XX/XX/2022 and XX/XX/2022 a inquiry was established from factual data. I have no awareness of this company nor have or have had any credit accounts. Also on XX/XX/2022 there is an inquiry from a company named XXXX in which I also did not authorize nor have or had any credit revolving/non-revolving accounts with this company. Please review and have these 3 inquires removed from my credit report.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (DE)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-12-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received an email from Bank of America on XX/XX/XXXX ( enclosed ) notifying me that I owe them {$420.00} in unpaid fees related to a safe deposit box that was closed in XXXX of XXXX. I had to file a complaint with the CFPB at the time ( XXXX ), due to Bank of America 's willful negligence and inability to resolve this issue without the involvement of regulators.
Consumer complaint received 2023-12-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd ()

Dear Sir/Madam, I am writing to file a formal complaint against Wise ( formerly known as TransferWise ) for the abrupt and unjustified closure of my account on XX/XX/2023, resulting in significant inconvenience and financial loss. 

Account Closure Without Explanation : My account was closed without any prior notice or explanation. This sudden action by Wise has caused me considerable distress and confusion. 

Refund of Account Balance but Pending Transfers Unresolved : While the balance in my account was refunded to me on the same day, there were two pending transfers which have not been completed or refunded. Specifically, these transfers amount to {$940.00} USD and {$30.00} USD, respectively. The lack of information and transparency regarding these pending transactions is highly concerning.

Lack of Proper Communication and Appeal Process : I have not been provided with any opportunity to appeal this decision. The only response I received was from a customer service bot on XXXX, stating that Wise is in the process of due diligence. However, no details were provided about the nature of this due diligence, its duration, or when I can expect the resolution and refund of my pending transfers.

Financial Impact and Request for Resolution : This situation has resulted in a financial loss for me, as the funds from the pending transfers totaling {$970.00} USD are still withheld without a clear timeline for return. I request a thorough investigation into this matter and seek a detailed explanation for the account closure, the status of my pending transfers, and an immediate resolution to refund these funds. 

I trust that the Consumer Financial Protection Bureau will take this complaint seriously and assist in resolving this issue promptly. I am willing to provide any additional information or documentation as required. 

Thank you for your attention to this matter.
Consumer complaint received 2023-11-30
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Balance : {$5300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-11-30
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
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)

The unverified accounts 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 accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXXXXXX Balance : {$6100.00}
Consumer complaint received 2023-12-27
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Bridge IT, Inc. (MO)

XXXX is a self builder online service that has been charging me {$9.00} a month every month for a service I did not sign up for. They are stating that I have 2 accounts with them, one from XXXX and another from XXXX and have never used thier services and I have not been able to cancel said membership with receiving an error online or never a confirmation that it was cancelled. Ive been charged over {$120.00} and received no help from their customer service team to resolve.