davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-08
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. (TX)

I have submitted disputes of inaccurate information on my credit report and nothing has been done it has been well over 60 days and by law these items should be removed from my credit report immediately.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

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 2024-03-21
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: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX - Date of inquiry : XXXX XXXX - Date of inquiry : XXXX XXXX XXXX XXXX - Date of inquiry : XXXX
Consumer complaint received 2017-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My account was overdrawn and I deposited via banking app my paycheck to cover it on  XXXX . I checked the next day  XXXX  to make sure everything was ok and my account shows s a ten da y hold on the deposit. I deposit my paycheck the same way for the same amount every week and there has never been a hold before. I contacted the bank on  XXXX  and was told that it was for my protection so it could be verified. I told them that the check is from my business and it is good it did n't need verification. I asked to speak with a supervisor and spoke to a gentlemen named  XXXX  and he checked into the situation and stated that nothing could be done and suggested that I deposit more money or I would keep being charged for the overdraft. How can this bank continue to do this to people. I have been banking with the same branch for over thirty years and have stayed th ru six different b anks being bought out but this will be the last B ank of Americas creativ e banking techniques have to be stopped. This bank will continue to take advantage of people because they are allowed to by our government agencies.
Consumer complaint received 2017-05-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (NC)

I was awarded $ XXXX  in prepaid reward   XXXX    cards from my past employer. The cards are thru  XXXX  These cards had a quick expiration date  XX/XX/XXXX  and when I tried to use them, they kept being declined. I conatcted the company over 5 times during   XXXX   and   XXXX   XXXX    I was told to keep trying at other stores and some of the stores on thier website had stopped accepting these prepaid cards. I was  XXXX  as a   XXXX   employee in   XXXX   XXXX   to   XXXX   XXXX   back to  XXXX . I am now back into the states and these cards were expired. I tried getting this company to replace my   XXXX   cards valued at $  XXXX    each. I was told several time they will call or email me back. As of today I still have these worthless cards. If these cards worked the first time, they would have never expired. I will list all the card numbers with the hope of getting these replace by a check or a usefull prepaid cards.   XXXX   XXXX   XXXX   XXXX   ($ XXXX )    XXXX   XXXX   XXXX   XXXX   XXXX   ($ XXXX )   XXXX   XXXX   XXXX   XXXX  ( $ XXXX )   XXXX   XXXX   XXXX   XXXX  ($ XXXX )  XXXX   XXXX   XXXX   XXXX   ($ XXXX )   XXXX   XXXX   XXXX   XXXX  ($ XXXX )  XXXX   XXXX   XXXX   XXXX  ($ XXXX )  XXXX   XXXX   XXXX   XXXX  ($ XXXX )  XXXX   XXXX   XXXX   XXXX   ($ XXXX )   XXXX   XXXX   XXXX   XXXX   ($ XXXX )   XXXX   XXXX   XXXX   XXXX   ($   XXXX )   XXXX   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 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted all the   XXXX   credit bureaus online by disputing the items that should not be on my account. I have contacted the companies they say I owe but even the companies say I do not owe them. I have medical bills that have been settled and I have sent letters to prove and yet the company has not remove the items.     I know  XXXX  and and TransUnion has been in the news for some deceit ful credit score  numbers and such. I believe the same is happening to my file. I have attached some info to go with this complaint.
Consumer complaint received 2024-03-23
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)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Empowerment Ventures, LLC (TX)

On   XXXX   XXXX     Rushcard canceled my card before contacting me about charges when I advised I attempted the charges a  XXXX  stated he would get me a replacement card sent out right away and waive the {$30.00} fee. Stated it will take  XXXX  business days to see the reversal. I called back on   XXXX   XXXX   and it had not been done said they needed  XXXX  more business days called back the  XXXX  said they needed  XXXX  more business days on    XXXX   XXXX    I called they stated they needed  XXXX  business hours also called again today still nothing has been done asked for another  XXXX  business hours. Stating they have no way of contacting there corporate.
Consumer complaint received 2017-05-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I purchased a mortgage for a home fr om Wells Fargo and it  closed on   XXXX   XXXX    2017.  In    XXXX     2017 I succe ssfully negotiated with my mortgage consultant to refund my appraisal cost after the mortgage closes if I choos e Wells Fargo. I wa s told soon after the closing date by my mortgage consultant that it will  take 4-6 weeks   for  Wells Fargo to refund  the appraisal on my credit card. I have tried calling my mortgage consultant since the beginning of  XXXX  on unrelated things and since     XXXX   XXXX      2017 rega rding the refund. The consultant has not returned my phone calls or responded to any email. I then called the general customer service line on    XXXX   XXXX     2017 to g et an update. They stated that I was not due a refund and that I should get in contact with my mortgage consultant. The name of my mortgage consultant is  XXXX   XXXX   XXXX .
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (FL)

Credit karma keeps approving me for the last 7 years of all kinds of different credit cards that I'm supposed to be pre-approved and every one of them I always get denied for the last 7 years my bank XXXX approved me for a credit card XXXX a bank approved me for a credit card and credit karma keep saying that I'm pre-approved and I am qualified for all my cards all during that time and never once said I ever receive a credit card it was always denied this is false advertising if a person 's pre-approved for a credit card then therefore he should receive his credit card not be denied when they pre-approved me ahead of time it is false advertising it is false statements and every one of them ding my credit on my credit report. All documents and all information that I have I will keep from my lawyer.
Consumer complaint received 2017-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (NJ)

I made a big mistake taking out a  PNC CashBuilder  card ( which is anything but cashbuilding ) a few years ago. This card has caused me nothing but grief charging a Cash Advance fee of 22.74 % plus a purchase APR of 18.74 %. I do n't even know where the Cash Advance came in to the picture. I never used a Cash Advance. I contacted a rep and he told me I was only making the minimum payment of {$210.00} per month, which is also incorrect. Actually, the bank has been taking out {$280.00}. automatically pe r month out of my account for a few years now and when I told him to look it up, he could n't understand it either. He told me to remedy this I should pay {$3000.00}, which I am afraid to do. I really need help with this.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Experian : Old and incorrect addresses XXXX XXXX XXXX. XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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  - Old from XXXX  needs to be removed FOR THE PAST SEVERAL MONTHS I TRIED TO REFINANCE MY PROPERTY ON XXXX XXXX XXXX AND I HAVE NOT BEE
Consumer complaint received 2023-06-02
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. (GA)

Please Remove/Block these fraudulent accounts from my credit report in XXXX  days of receipt. I am writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of identity theft, which has resulted in a negative impact on my credit history and my financial wellbeing. This has been hurting me as I am in the process of buying home for my family. I am emotionally distressed and need these fraudulent accounts removed ASAP. 
XXXX. XXXX financial- XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXt
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: Experian Information Solutions Inc. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

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 XXXX years. 

15 U.S.C. 16815-2 ( 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 2023-06-10
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: Experian Information Solutions Inc. (NY)

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. 

XXXX XXXX XXXX, XXXX XXXX XXXX, US DEPT OF EDXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  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 an 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 2022-11-28
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, the list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

- 15 U.S.C 1681 C ( A ) ( 5 ) No consumer reporting agency may make any consumer report containing any of the following items of information other than the records of conviction 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 the information is inaccurate.
Consumer complaint received 2017-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On   XXXX   XXXX   XXXX   Bank of America widrew funds from my personal checking account without my permission for   XXXX   XXXX   card that is in default. The funds came from my family to support my  XXXX  kids and soon at was deposited Bank of America Stole everything besides leaving {$100.00}. They sent letter stating that they have the right under " setoff ''. I read the agreement and had friend attorney look at it and he informed me that is was illegal. Never gave them permission or authorization to take everything out of my personal checking account for   XXXX   XXXX   card account. Please find letter attached.
Consumer complaint received 2023-06-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XXXX, Bank of America did an offset on my Bank of America Bank account of {$3800.00} to pay a past due Bank of America Credit Card. 

They left me with pennies to make it through the month. The {$3800.00} was my mortgage and monthly bill money which I now can not pay. 

I called Bank of America pleading with them to not do this. They said they have the right to take my money as they did. 
I felt so sick inside, ready to pass out of fear not knowing what to do with Bank Of America cleaning out my account as they did. 

I explained to them that I hired XXXX XXXX XXXX XXXX months ago to help me with my credit card debt and was sure they had reached out to Bank of America regarding my debt. I told them I was not ignoring them and I did reach out for help. 
Bank of America did not care about anything I had to say. The representative of Bank of America were terrible. Out of desperation, I did email the CEO of Bank of America, but as expected no reply. 

I do not know how I will make it through the month with what happened and I am so scared of falling into further financial hardship which is already happening. 
I am hoping you can please help me. 

Thank you,
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: EQUIFAX, INC. (NY)

Im submitting this request to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an id theft report. Please find the required documents to assist in the removal of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$7600.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXX : {$2900.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-21
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE (CO)

I have a checking account with Schwab Bank. On XX/XX/2023 I attempted to withdraw {$100.00} from a bank at the XXXX XXXX  in the XXXX. The first transaction failed. So, I attempted to make a second attempt which succeeded. When I got home, I discovered I was charged twice. I promptly reported this to Schwab. Since then, I have been given provisional credits that were then reversed twice. Schwab says they contacted the bank twice and were told that the bank said they were correct. Schwab 's position is that is the end of story and they need to do nothing else. I have asked for some evidence and asked if I could speak to the investigator. They have refused to provide that. I have banked with them for decades and this hardly seems fair. Seems there are likely some type of regulations. Can you help me. I am attaching a message I received from Schwab today.
Consumer complaint received 2023-03-11
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: Spring Oaks Capital, LLC (VA)

In accordance with the fair credit reporting act, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Spring Oaks Capital LLC, and XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.