davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX Bank of America withdrawn money ( {$4800.00} ) from my checking account and paid a credit card without my authorization and refused to refund it back after admitting their mistake. 
my checking balance end up negative during XXXX XXXX weekend and I had no money to take of my family during this holiday. 

I went to B of A branch on XXXX XXXX but they couldn't help. 

they offered to mail a check which will take 5-7 business days but I refused because it's my money and I need it right away for the holiday.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$740.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-26
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. (AR)

YOUR COMPLAINT To whom it may concern Transunion, XXXX, XXXX The following inquiries were not authorized by me please delete them I have never XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instruction I never given my permission for a company to inquire about my credit states any inquiries made are unauthorized the presences of these inquiries on my credit report constitutes inaccurate information which under the fair credit reporting act must be removed once your investigation is completed please send me a copy of my updated credit report. I am a victim of Identity theft and the accounts listed below were established without my consent. I have enclosed a copy of my police report as proof that I have been a victim of fraud and I am Disputing these accounts understand that it is your responsibility to insure maximum accuracy in according to the fair and accurate credit transaction act all Fraudulent accounts must be deleted by a police report I demand that you remove these fraudulent accounts have hurt my ability to obtain any credit. Thank you for your cooperation
Consumer complaint received 2023-07-03
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-01-29
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. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (TX)

Respected Sir/Madam I do have an personal bank account in US bank since XXXX till date. Recently in XXXX XXXX I have opened another personal bank account in XXXXXXXX XXXX XXXX. Since XXXX XXXX account is a new account and had no money in that so to save money in my new XXXX XXXX personal bank account I had made a XXXX transaction of amount {$3500.00} from my US bank account to XXXX XXXX on XX/XX/XXXX. I have received an email from US bank on XXXX XXXX saying that {$3500.00} has been deposited into my XXXX XXXX XXXX account. But when I checked my XXXX XXXX XXXXk account I did not find an amount {$3500.00} in my account and still today that amount has not reflected/deposited into my XXXX XXXX XXXX account. I have immediately called US Bank and XXXX XXXX XXXX after observing that issue on XX/XX/XXXX but I didn't get any proper response from both banks. I have made so many calls and I explained them about the issue but any of those XXXX bank representative responded properly. So immediately I booked an appointment to meet my US bank XXXX about this issue. I have met him and explained everything about my situation and issue I am facing with. He checked and informed me that from their end its showing that amount has been deposited to XXXX XXXX XXXX account.I have shown US bank XXXX my XXXX XXXX account to confirm him that the amount is not their in my account and given all details he asked for. After looking into my XXXX XXXX account he also recognized that amount is not deposited into my account. Even I have raised dispute with US bank about Transaction made but that dispute has been canceled by US bank and when I asked reason for Dispute Cancellation they informed that since from their end transaction is showing as deposited into XXXX XXXX XXXX  account so that they can not make any dispute. Even When I called XXXX XXXX  none of the representatives/ manager responded properly since from XX/XX/XXXX to till date I am calling them but they didn't help me with anything.I shared them all the details they asked for like trace number, Transactions details and everything whatever they asked for and requested to raise a case but they didn't raised a case and lied to me saying that they have raised a case. Again I raised case and they repeated the same. When I asked on XX/XX/XXXX about case status they told me there is no case created and again I gave them all details to raise a case. But they are not serious about this issue and still I didnt received my amount of {$3500.00} into my account. It's already XXXX  months I waited on this issue but none of this both banks helped me. Both banks are responsible for my amount and I didnt get a proper help from them. I am in urgent need of money and I sincerely need your help on this as soon as possible. I hope at least I will get help from your end.
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I've tried to purchase groceries on the following dates. 
XX/XX/year> XX/XX/year> XX/XX/year> My cards would always have difficulties at the cashier. Both credit and debit. 
Today, XX/XX/XXXX, I was unable to use both cards even after responding to the suspicious activity text. It took multiple more attempts to finally get the card to work at the cashier. I attempted to call Bank of America on my way back from the store at around XXXX CT, and I was on hold over XXXX minutes and was hung up on as soon as I was picked up by a customer service representative.

The automated system had no mechanism for being put back into the queue from where I was. There was no effort to call me back or confirm that my problems weren't solve in the split-second I was connected to someone.

They also have no way to report a complaint through this automated system.

As I am typing this, I am still on hold waiting to reach a customer service representative.

Bank of America is clearly making no clear effort to be reachable. These automated systems provide no remedy when Bank of America has failed their obligations to the customers. There needs to be a way to speak to a person that can actually assist with these problems. If I could describe the problem to a person in a few minutes, it would take that long to diagnose and resolve the problem.

Why are both of my cards being declined at my preferred grocery store?

Why does it take an hour or more to have a problem resolved that could impact my ability to purchase groceries?

Why is Bank of America allowed to continue this pattern without consequence?

If I was still at the store, the food in my cart will have been outside of a freezer for over an hour before I am able to reach Bank of America to resolve my card issue.

This is unacceptable. Banks that are unreachable for this long should be held accountable, potentially even to a class-action lawsuit. I will gladly take part in one, should one be started.
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2023-09-02
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights.please see attached account number as follows # XXXX 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 2024-01-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there are late payments inaccurately reported for the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX These late payments are inaccurately reflected in my credit report, and I request that you correct this information immediately. I have attached supporting documents, including bank statements and payment records, to verify that the payments were made on time for the specified accounts. 
I understand the importance of accurate credit reporting and how it can impact my creditworthiness. I am confident that the correction of this misinformation will contribute to a more precise representation of my credit history. 
Please conduct a thorough investigation into the matter and update my credit report accordingly. I kindly request that you provide written confirmation of the corrections made within 30 days from the date of receipt of this letter.
Consumer complaint received 2023-12-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I had an vehicle with credit acceptance that was the very first mistake at the lot the was XXXX when they got finished it was XXXX I was told I was required to get insurance before I left the lot 15 USC 1605, I know that wasn't true once I found how much the car was I let them come get. Looking over the contract they never disclose I had 3 days to opt out the contract 15 USC 1687 when u try and talk them they will say see u in court. On top of it all 12 USC 412 the car was payed for when I signed my name
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc. (NC)

Improper use of my reports by XXXX XXXX XXXX. In accordance with the Fair Credit Reporting Act. This creditor has violated my rights under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604a section 2 also states the Consumer reporting agencies can not furnish an account without my written instruction. Under 15 U.S.C 1666b, a creditor can not report a payment as late for any reason. 
I have late payments showing for XX/XX/XXXXXXXX XXXX XXXX XXXX I explained these payments were late because of not working because of COVID-19
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account in collections in the amount of {$420.00} XXXX XXXX XXXX account in amount of {$300.00} All of these accounts are fraudulent and opened illegally because I was a victim of the Equifax data breach. There is a need to insure consumer reporting agencies exercise the responsibilities with fairness and a respect to a consumers right to privacy.
Consumer complaint received 2023-09-26
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: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint Regarding Inaccurate Credit Reporting and Identity Theft Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding persistent inaccuracies on my credit reports and suspected identity theft. Despite my best efforts to dispute these inaccuracies with the credit bureaus, the issues have not been resolved, and I am deeply concerned about the fraudulent accounts listed. 

The details of my complaint are as follows : 1. **Inaccurate Credit Reporting** : On my credit reports from [ Name of Credit Bureaus, e.g., XXXX, Experian, XXXX ] XXXX I have identified several inaccuracies, including but not limited to [ Specify the inaccuracies, such as incorrect account information, late payments, etc. ]. I have attached copies of my credit reports highlighting these discrepancies for your reference. 

2. **Fraudulent Accounts** : I believe I may have been a victim of identity theft, as there are accounts listed on my credit reports that I have no knowledge of, and I have not entered into any contractual agreements with these creditors. These fraudulent accounts include [ XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have taken the following steps to address these issues : - I initially contacted the credit bureaus and submitted disputes to have these inaccuracies corrected. 
- I have also contacted the creditors associated with the inaccurate and fraudulent accounts, and I have requested verification and investigation. 
- Despite my efforts, the inaccuracies persist, and I am facing significant difficulties in obtaining credit and financial services due to these issues. 

I am seeking your assistance and intervention to ensure that my rights as a consumer are protected and that the credit reporting system accurately reflects my financial history. I kindly request that the Consumer Financial Protection Bureau investigate these matters promptly. 

Enclosed with this letter, you will find copies of my credit reports, as well as any supporting documents related to the fraudulent accounts and inaccuracies. 

Please provide me with a written response acknowledging the receipt of my complaint and inform me of any actions taken to address it. I can be reached at XXXX or XXXX for any further communication. 

I greatly appreciate your attention to this matter and your dedication to safeguarding consumer rights. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My wife has XXXX and in a XXXX XXXX  for 3 yrs. She does not know me. The Bank of America ( Allegiant ) refuses to recognize me as her Power of Attorney saying they need a notarized or certified copy of the Power of Attorney document, which includes a notarized stamp, seal and notary signature. I have done this 5 times. XXXX of XXXX the branch office computer showed the account was closed. A month later I got a letter saying Great news! Weve approved your application for a credit card. We never applied for a new card. The new card used her name with no middle initial, and an annual fee of {$59.00}. I had the branch office issue another POA document notarized at the branch office. I got another rejection letter stating Unfortunately, the Power of Attorney you sent was incomplete asking again for a notarized stamp, seal and notary signature although it was provided by the branch office. In XX/XX/XXXX I received another letter stating Unfortunately, the owner name on the Power of Attorney document you sent doesnt match the name on the account, please send us a valid ID for the account owner. They changed the name on the card.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Re : Equifax Data Breach Complaint To whom it may concern, My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof ( personal engagement number : XXXX ) that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

Account Name Account Number - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-21
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: Experian Information Solutions Inc. (NY)

On XX/XX/2023 i disputed incorrect information on my credit report through my CFPB portal. It has been 30 days and the reinvestigation is still open with no results, no verification/validation or physical proof of these alleged debts as requested by me under the provisions of 15 USC 1692 ( g ). Further I have a right to privacy under the provisions of 1681b
Consumer complaint received 2023-04-24
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. (PA)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602A, states I have a right to privacy.

15 USC 1681 Section 602A, Section 2 it also states that a credit reporting agency can not furnish an account without my written instructions.

15 USC 1666B, Creditor may not treat a payment on a credit card account under an open account and a consumer credit plan as late for any reason.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX has inaccurately provided information to consumer credit bureaus ; My XXXX  loans were transferred to another company in XX/XX/2023, yet XXXX is still reporting open accounts with a balance of over {$60000.00}. I no longer have an account with XXXX. My loans were transferred to another company and completely forgiven! My student loans balance is {$0.00}. 

XXXX ) Experian - I filed a dispute with Experian. After XXXX days, Experian responded that they resolved this dispute. But - the loans are still showing a balance of over {$60000.00}. Experian did absolutely nothing to resolve this dispute. As a paying consumer for Experian, I deserve better than this.
Consumer complaint received 2023-03-22
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: SYNCHRONY FINANCIAL (TX)

I CHECKED MY CREDIT REPORT AND SEEN THAT I HAVE THESE INQUIRY ON MY CREDIT REPORT THAT I HAVE NO KNOWLEDGE OF AT ALL I ALSO HAVE FRAUD ALERT ON MY CREDIT REPORT AND THEY ARE SUPPOSE TO CALL TO VERIFYTHAT IT IS ME AND DID NOT              nquiry date XXXX XXXX XXXX  Removal date
XXXX  XXXX  Additional details
Business type
Finance, personal
Contact info
Address
XXXX XXXX XXXX XXXX,OHXXXX
Phone number
(XXXX) XXXX-XXXX
Consumer complaint received 2024-04-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (NY)

I accepted a loan from a company through my institution not being aware that it was private. This loan was accepted in XXXX and I continued accepting each year up until XXXX. The interest was not suppose to go up on this loan as the company gave me until XX/XX/XXXX to start payments. The loan is now affecting my credit because the interest went up now it is more than I borrowed.