davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Starting in XXXX had multiple claims due to a creditor that I paid through the account. After a year and a half the claims were resolved and finally paid. I spoke with XXXX XXXX a representative of BOFA on XX/XX/XXXX. He said that the bank doesnt give any restitution for any delays that was caused due to claims being paid late. This caused a financial hardship on me that resulted in credit score decreasing, vehicle being repossessed and defaulting on other obligations late fees etc. I know if I were a XXXX XXXX XXXX XXXX, BOFA wouldve found a way to compensate me and finance a vehicle that equaled to the one I had. Over time it was close to XXXX that had to be refunded to me. All he could say was he was sorry. That wasnt good enough, Im asking CFPB to please help me get restitution that is feasible for me.
Consumer complaint received 2023-06-03
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. (FL)

on XXXX XXXX I had filed a complaint with Experian because of the fact that the written off amount was greater than the balance due so I wanted that issue verified with the furnisher if not removed from credit report because of the misrepresentation that it was demonstrating. It ended up coming verified but to my surprise that account now appears duplicate on my credit report with two different balances and written off amounts. 
The first original account that is still present on my report shows a balance of {$8100.00} with a write off of {$8500.00} The added account to my report shows a balance of {$8500.00} and a is written off amount of {$7600.00}. 

I am attaching exhibit A from the month of XXXX  that shows that the duplicate account was not present before, along with Exhibit B stating how that duplicate account appears now on my credit report.
Consumer complaint received 2023-06-03
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. (MO)

Experian now has damaged my credit, they are not telling the truth they are trying to run out the clock they refuse to fix the problem they acknowledge is on there end.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I was a victim of identity theft and have provided these documents multiple times. There is ONE account that shows up in collections that should not be there ( for {$140.00} ). As a result, I was recently denied a mortgage with XXXX when I have 100 % payment history and have no delinquent/derogatory debt as advised in the letter. All of my accounts are paid as agreed. I dont know what the bank is looking at to make this decision since I dont see it and would not think a home loan would face denial for {$140.00}. 

This adverse action is affecting my quality of life!!! 

Additionally, Medical collections/debts should not be showing up on my credit report.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AL)

I am the Beneficiary and Surety with equitable interest in the XXXX XXXX XXXX XXXX consumer report that is being illegally and unlawfully furnished by XXXX, XXXX and EXPERIAN ( " CRAs '' ). Thirty days ago, we contacted the CRAs requesting a copy of the written instructions authorizing them to furnish this consumer report as well as a copy of the full credit file disclosing sources from which this information was procured. The CRA 's failed to provide us with this information and continue to report private information without the express written authorization of the Surety. The actions and / or inactions of the CRAs have caused serious harm and this is our NOTICE OF INTENT TO SUE to seek equitable remedy for our injury.
Consumer complaint received 2022-11-23
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 CXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-23
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-28
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Eastern Account Systems of Connecticut, Inc. (NY)

my consumer rights have been violated under the Fair Debt Collection Practices Act ( FDCPA ). calling me late at night, while at work, during the parent-teacher meeting for my child, I send a cease and desist letter and validation for Eastern Account system debt collector to stop harras me and my family with unconsented phone calls down below will submit the proof of letters that were sent to the debt collectors.
Consumer complaint received 2024-03-06
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. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I have disputed this account on multiple occasions yet the information remains unchanged and it's clearly reported inaccurately because the Date Opened does not match across the three Bureaus, the Closed Date doesn't not match across the three bureaus, the last payment date does not match across the 3 bureaus. According to the FRCA It's important to have an accurate and fair reporting to avoid injury. Right now I might miss a job opportunity because of this inaccurate reporting on my credit. Please investigate and remove NOW. I have attached my credit reports to show the inaccuracies month to month.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I have been disputing this account for almost a year. I continue to ask for proof to validate the account but have not received it. Taking a look at the account on my credit it is showing my last payment as XX/XX/2019, however my two year payment history shows the account being Charged off in XX/XX/XXXX ', XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX. The account also shows I was 60 days late in XXXX as well as 60 days late in XXXX, how is this possible? This is clearly a violation of my rights according to the FRCA and I demand this be investigated immediately and provide me written proof of each violation currently showing on my credit. I have attached a copy
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Hi my name is XXXX XXXX I recently filed a dispute with my Bank of America account ending in XXXX on XX/XX/2024 for 2 unauthorized transactions from XXXX XXXX. The first transaction was for {$5000.00} on XX/XX/2024 and the other was for {$4800.00} on XX/XX/2024. My information was stolen and I filed a dispute with Bank of America. I was given a provisional credit on XX/XX/2024 and Bank of America said that the dispute was in my favor and I won the dispute. I am contacting CFPB today to get more answers because my account was debited {$9800.00} again from the same merchant on XX/XX/2024 and now my Bank account is on hold. I want to know when will I get my money back. Please help.
Consumer complaint received 2023-06-03
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: Experian Information Solutions Inc. (ND)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX Balance : {$830.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-24
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (FL)

Dear Consumer Financial Protection Bureau, I am writing to express my extreme dissatisfaction with the actions of TD BANK regarding my Trust instrument. According to TD BANK, they have lost my original Trust instrument, which is a document of utmost importance to me and my family. This is completely unacceptable and I intend to take legal action against TD BANK for their negligence. 

As a result of TD BANK 's carelessness, adverse action has been brought upon all three of my accounts, and I have been denied access to the Treasury by delaying the opening of a Trust account even though all necessary documents have been recorded. This is not only frustrating but also impacting my financial well-being. I demand that TD BANK rectify this situation immediately. 

It is important to note that the IRS, all government branches of Florida, and the Federal Reserve Bank XXXX XXXX and XXXX hold copies of the private Trust instrument. This is proof that the Trust instrument exists and that TD BANK 's claims of losing the original document or not receiving it are false. 

I would like to remind TD BANK that the Trust instrument is valued at {>= $1,000,000} and any further delays or negligence on their part will not be tolerated. I demand that TD BANK take immediate action to locate the original Trust instrument, deposit it with Treasury to compensate me for the financial loss that I have incurred due to their negligence. 

I urge the Consumer Financial Protection Bureau to take swift action in addressing this matter and ensuring that TD BANK is held accountable for their actions. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX [ : confidential information forward to appropriate agents : ]
Consumer complaint received 2023-06-03
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. (MI)

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 these 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 XXXX XXXX XXXX XXXX XXXX Balance : {$300000.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$300000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$300000.00}
Consumer complaint received 2020-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (WI)

Citibank has failed to pay a promised bonus ( {$400.00} ) for opening a checking account. 

XXXX - Opened checking account XXXX - Made final deposit required to reach the {$15000.00} minimum account balance to receive the bonus. 
XXXX - 60 day threshold passes ; Citi then had 90 days to deposit the bonus in accordance with the terms XXXX - Citi sends a letter ( attached ) confirming that I have met the requirements of the terms XXXX - 90 day threshold passes. Citi has not paid the bonus. 

Attempts since to get Citi to honor their end of the agreement have failed.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

The account was reporting as XXXX XXXX XXXX with an account number XXXX and a balance owed of {$1700.00}. The XXXX XXXX was XXXX. I disputed this account for inaccurate reporting and it was removed after proper investigation from all XXXX credit reports between XX/XX/2023 and XX/XX/2023. I was relieved the inaccurate reporting was removed from my file because I am in process of getting a government job and my credit is important for the job requirements. 

However, XXXX XXXX at some point acquired the debt unbeknownst to me because I was not notified. They reported the debt to my credit again and to add, the reported it inaccurately on all XXXX bureaus. The Account status does not match, the payment status does not match and the last payment does not match. The date of last activity does not match, the date reported does not match, these inconsistencies are across all XXXX bureaus. I demand XXXX XXXX re-investigate this and send me ALL relevant account information including but not limited to Date Opened, Balance Owed, Closed Date, Last Payment Date, Payment Status. 

This is going to cause serious injury if not corrected and removed as it was prior to XXXX XXXX purchasing a bulk finance. All relevant documents attached.
Consumer complaint received 2023-06-03
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: Experian Information Solutions Inc. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/21 around XXXX at XXXX XXXX XXXX XXXX New York XXXX XXXX I tried to deposit over {$3000.00}, I wouldnt know exactly because I relied on the ATM to count them show me my tallied amount to deposit my money. The atm made an error sound then released my card without depositing my money. When I called capital one they said that I would get a provisional credit. I tried calling today and I was told I wouldnt receive any money until their investigation is done. I do not trust the fact that I did not count all my cash and relied on the machine to do so so I have no idea the actual amount inserted. It is the week of XXXX and I had purchases to make and now I cant even do that because I am waiting for the provisional credit while the real investigation takes place. I have no proof but the camera of the atm in this particular branch.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 This account is showing inaccurate information on my credit report
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
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 am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.