davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2023 I paid off my 40 year BOA modification loan and requested that they close the said account. I didn't receive any documentation from the company reiterating this transaction but instead I received a 'bill ' for {$4.00} for the month of XX/XX/2023. I called BOA on XX/XX/2023, spoke to a BOA representative named XXXX & was reassured that I would NOT be held liable for the $ XXXXand a payoff statement would arrive within 7-10 business days. But, on XX/XX/2023, I went on BOA website under my account & noted that the account is still OPEN & still showing the amount of {$4.00}. In addition, I called on XX/XX/2023 to BOA & spoke to another rep, XXXX, and inquired WHY I was assigned a DIFFERENT account #. BOA repXXXX XXXX stated that the reason for 2 DIFFERENT account # 's was due to the company changing the existing modification loan TO an conventional loan. When I inquired WHY this was done, he didn't tell. I am not sure if he couldn't or wouldn't. Some hours after that call, I went on the BOA website again, and saw that there was a {$0.00} beside my Home Equity Loan account BUT in RED lettering it said 'INTEREST AND/OR ADDITIONAL FEES ARE OWED. I have attempted to contact The Office Of Attorney General here in IL & I am still awaiting a reply, as of yet. Is there any way, you can assist me in this dilemma?
Consumer complaint received 2022-12-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

On XX/XX/2022, I made a wire transfer From 5/3 Bank located at XXXX XXXX XXXX, XXXX, TN XXXX to XXXX with an amount of {$4700.00} to another bank in XXXX. For some reason the wire went and they didn't recognize the receiver, I requested my wire amount to be returned from my Bank 5/3 bank. They approved the return request beginning of XX/XX/2022. Right now, they can't get me the fund back, they keep saying they lost the money and kept saying they are communicating with the other bank in XXXX and can't find the money, they can't do their due diligence and they are intentionally don't request the money from the other bank, 5/3 bank also refused to give me their internal communication messages to prove if they already asked the bank in XXXX for my Money, I called the other bank in XXXX and they have no idea about the money and have no request from 5/3 bank. the amount has been as negative in my saving account for 2 month, it affects my budget and my family expenses, simply I need the money that my bank approved to return it two month ago, the bank manager is XXXX XXXX XXXX and her email XXXX. the teller who made the transaction is XXXX XXXX. 
my account is Saving account and my name is XXXX XXXX
Consumer complaint received 2022-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal continue to report to the consumer credit bureaus that my credit card it over the limit and the charges are from fraudulent unauthorized charges in which is effecting the consumer credit reports and credit worthiness in a negative manor. I have disputed the fraudulent charges and did an appeal, this is violation of Federal codes a XXXX has been effecting providing for my family
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, 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. (FL)

I am writing to report unauthorized inquiries and credit accounts that have appeared on my credit report. I have noticed these entries on my credit report and have reason to believe that they were not authorized by me. 

I request that the CFPB take immediate action to remove these unauthorized inquiries and credit accounts from my credit report as soon as possible. These unauthorized entries are damaging my credit score and causing me undue stress and worry. 

I would appreciate your prompt attention to this matter and your assistance in resolving this issue. Please let me know what further steps I need to take to ensure that this matter is resolved. 

Thank You
Consumer complaint received 2022-11-25
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: EQUIFAX, INC. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX XXXX - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/2022
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX were XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CO XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX .... Balance XXXX - ; XXXX XXXX & XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX Balance : {$310.00} ; XXXX  XXXX  XXXX  XXXX Balance : {$5500.00} ; XXXX/XXXX  XXXX  XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX  XX/XX/XXXX
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX, and TransUnion were XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CO XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX .... Balance XXXX - ; XXXX XXXX XXXX  XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX : {$210.00} XXXX XXXX FINANCIAL XXXX Balance : {$1200.00} XXXX XXXX XXXX COMPAN XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX XXXX : {$3500.00} ; XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX  XXXX Balance : {$5500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX  XX/XX/XXXX
Consumer complaint received 2023-10-04
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. (PA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} ; XXXX XXXX XXXX XXXX Balance : {$870.00}
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CO)

I enrolled in a new checking account with CitiBank as part of a bonus reward program through XXXX XXXX. The terms of the reward program dictated that I sign up for a checking account, set up direct deposit and have at least {$1000.00} worth of deposits made as well as spending at least {$1000.00} in debit card purchases within 3 months in order to receive XXXX bonus miles from XXXX XXXX. I signed up for the account in XXXXXXXX XXXX XXXX and had satisfied all program criteria by the next month, XXXX. I reached out to CitiBank representatives multiple times asking if I had satisfied all the requirements and when I would receive my bonus miles. Well - Every representative told me that yes I had indeed satisfied the criteria. However, some reps told me I'd get my miles within 30 days of satisfying the criteria. After 30 days passed, I contacted them again. This time they said it was 90 days. After 90 days no miles. Nothing. Each time I reached out, a rep told me that they had launched an investigation for me. I contacted them again today, XX/XX/2023, and was told that they didn't know what the deal was and that no investigation had previously been launched. I had been repeatedly lied to. Now it's XXXX and I still haven't gotten my bonus miles and I'm about to take legal action against the bank for luring in customers with false advertising and failure to deliver their promise as outlined in the fine print of the terms of service. I read the fine print and follow the requirements meticulously. They did not live up to their end of the deal and it's absolutely not right. When I asked for a copy of the chat transcipt from my conversation with the rep online, he told me to just copy and paste it into a XXXX XXXX. What? How unprofessional.
Consumer complaint received 2023-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the fair credit act, this creditor has violated my rights. Under 15 Usc 1681 section 602 states I have the right to privacy. Under 15 Usc 1681 section 604A section 2 it also states a consumer reporting agency cant not furnish an account without my written instructions. Under 15 Usc 1666B a creditor may not treat an payment on a credit card account under an open and consumer plan as late for any purpose.
Consumer complaint received 2023-08-14
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: Experian Information Solutions Inc. (NY)

account number XXXX I have filed several disputes regarding this account and requested a full investigation. i received a response that the investigation was completed and the information was accurate. However I can see this account still reporting inaccurate information on my report, which is negatively impacting my score and hindering

my life financially. at this point I feel as if I am being bullied! According to the law 15 u.s code 1681i, Procedure in case of disputed accuracy, If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

I am not liable for this debt with XXXX XXXX XXXX XXXX. nor did i ever enter into a contract with XXXX XXXX XXXX. They never provided me with the original contract as requested
Consumer complaint received 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

account number XXXX I have filed several disputes regarding this account and requested a full investigation. i received a response that the investigation was completed and the information was accurate. However I can see this account still reporting inaccurate information on my report, which is negatively impacting my score and hindering my life financially. at this point I feel as if I am being bullied! 

According to the law 15 u.s code 1681i, Procedure in case of disputed accuracy, If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

I am not liable for this debt with XXXX XXXX XXXX XXXX. nor did i ever enter into a contract with XXXX XXXX XXXX. They never provided me with the original contract as requested
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I was recently reviewing all three of my credit bureaus from XXXX XXXX, XXXX, and Experian. When I noticed that I have some incorrect information on my credit report, referring to my name, occupation, and my address. 

My correct name is XXXX XXXX XXXX. my correct address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, TX XXXX. My employer is the XXXX. 

And according to the 15.U.S.C 1681 there should not be any damages on my report. Thats the defamation to my character.
Consumer complaint received 2022-11-02
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: Bread Financial Holdings, Inc. (MI)

XX/XX/2022 I noticed 2 charges on my account that do not belong to me from " must have savings '' in the amount of {$1.00} and {$99.00}. I called in to Comenity bank customer service on XX/XX/2022 to dispute the charges, and to get a new card with a different number so I wouldn't be defrauded further. I did receive a new card however Comenity bank failed to follow up the dispute process. I called today XX/XX/2022 to check up on the dispute and have been told that nobody at comenity bothered to investigate the dispute. I have also been hung up on 3 times today, because nobody wants to work on the file and give me a proper answer. I would like to file a complaint that they are charging me for interest and charges I don't owe, for not investigating the dispute within 90 days as per the FDCPA and for abusive practices since they keep hanging up on me and fail to respond to my questions. In addition to this, they still have not issued my points rewards for XX/XX/2022.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-10-04
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. (NC)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove 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
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: BARCLAYS BANK DELAWARE (MA)

I have a credit card from Barclays ending XXXX. In XXXX of XXXX I have received a letter from Barclays offering a promotional balance transfer rate of 0 % and 3 convenience checks attached to it. 
Check numbers were XXXX, XXXX, XXXX. The letter stated that the checks must be posted prior to XXXX XXXX in order to get the promotional rate of 0 % APR until XX/XX/XXXX. 
The 1st check # XXXX was processed on XX/XX/XXXX to XXXX for {$9600.00}. That transaction was marked correctly on my statement and had 0 % APR. 
However, the 2nd check # XXXX was processed on XX/XX/XXXX to XXXX XXXX for {$14000.00} was marked in Barclays statement as check # XXXX instead of # XXXX. Because of that Barclay started charging me interest of 20.24 %. When I caught this issue I called Barclays to resolve the issue hoping to reverse all interest charges. The 1st call I made XX/XX/XXXX and spoke to XXXX with ID : XXXX XXXX created the case # XXXX to have the problem to resolved ASAP. On XX/XX/XXXX I called again and was told that the case is still pending. On XX/XX/XXXX I went online at my Barclays account and asked for support in the chatroom. The chatroom said that the letter with what needs to be done was mailed to me XX/XX/XXXX. The letter came in XX/XX/XXXX. The instructions were to call general number. 
I called again XX/XX/XXXX and spoke to XXXX. XXXX ID is XXXX. XXXX said that XXXX ( previous manager ) didnt create case file correctly, so it was ignored. XXXX created the new case # XXXX. On XX/XX/XXXX I have checked Information on-line. There were no changes to interest being charged and payment breakdown. On XX/XX/XXXX XXXX confirmed over the phone that the check received on XX/XX/XXXX {$14000.00} is check number # XXXX. 
Barclays insists that the check I signed was XXXX. This is false statement. I never had that check. Im attaching supporting documentation : 1. Promotional letter. 
2. XXXX statement when payment was received. 
3. Barclays statement with {$9600.00} check # XXXX cleared. 
4.Barclays statement with {$14000.00} check # XXXX ( wrong number! ) cleared. 
5. Current statement showing different interest Being applied to both transfers.
Consumer complaint received 2023-10-03
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Tally Technologies (NE)

An account from TALLY TECHNOLOGIES INC is appearing on my XXXX credit report with a balance of {$3100.00} opened in May. I do not recall this account ever being applied for or agreed to.