davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/ 2023 I went into XXXX XXXX in XXXX to purchase a car. 
My credit score with both XXXX and XXXX is XXXX - XXXX. I was told by car salesman, XXXX that my score was XXXX. I believed that a XXXX invoice may have contributed to the XXXX score. As a result, the finance charge was HUGE. 
When came home, I realized they had used an outdated credit score from XXXX which offered the XXXX score. The next day after reviewing my XXXX and XXXX scores, I requested they re-do the finance part with the updated credit scores XXXX or XXXX but they refused. 
It is my contention XXXX XXXX obtained finance through fraud. They have means to manipulate credit scores through a company called XXXX in their office. I am a XXXX and I believe I have been taken advantage of. An {$8000.00} car became an {$18000.00} debt. This outlandish. 
They secured financing through Capital One based on outdated information.
Consumer complaint received 2023-09-07
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)

Experian has given incorrect information and I had to freeze my credit report with them due to bad credit reporting. They have made no attempt to resolve the issue even after I had the situation escalated to superiors. I have no trust in their ability to report accurately credit information.
Consumer complaint received 2024-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a call from a supposed law firm claiming I had a lawsuit against me for owing over {$4000.00} to Bank of America for overdraft fees from XXXX. I never had a Bank of America account to my knowledge except perhaps when I was a teenager and that was in the XXXX. I've only had a XXXX account since XXXX and no other accounts. They gave me a case number : XXXX. When I called the number back they would not mention the name of the law firm and kept talking about the binding power of a " signature card '' - which I'm pretty sure hasn't been a thing for a really long time since everything went digital. The woman on the phone kept trying to scare me with court and claimed they sent me a notification 40 days ago by mail, which I never received. I have checked all of my credit reports and I have XXXX collections or anything open in public records. The first person that left a message said her name was XXXX XXXX ( how generic ) and her phone number is XXXX and the number she gave me for the " law firm '' is XXXX. When I told the lady ( who somehow knew my name by me just saying Someone called me about a lawsuit? Immediately fishy ) to fine just take me to court because I am not paying that, she hung up on me.
Consumer complaint received 2021-05-09
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. (CA)

There are accounts, an address, and inquiries that are listed on XXXX credit reports that do not belong to XXXX, nor do I have any knowledge of them. Please remove them in its entirety from XXXX credit.
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. (CA)

XXXX XXXX XXXX is in Violation of 15 US Code 1681s-2 ( 1 ) ( A ) and 15 US Code 1681s-2 ( a ) ( B ) ( i ) ( ii ). The Violations are for reporting information with actual knowledge of error and reporting information after Notice and confirmation of error.
Consumer complaint received 2021-04-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America offers an XXXX XXXX credit card, advertising a {$200.00} statement credit and 30K miles when approved if spending 2K within first 90 days of account opening. They offer this card when booking travel on the XXXX XXXX website and indicate it may be used on your purchase. I was booking travel for {$1100.00} on XX/XX/XXXX, which would get me half way to the spending requirement for the promotion so I applied for a card. My credit score is XXXX. I received an immediate alert of a " hard inquiry '' on my credit report and was docked two points for the inquiry. However, my application was not approved -- I received " needs more time to review. '' When I contacted BOA XX/XX/XXXX, I was told applications take on average 7-10 days to process. 
I believe this is a deceptive business practice aimed at getting people to apply for their credit card for the promotion, but then make it difficult for you to be able to take advantage of it. I could understand if I had a low credit score, but with XXXX, which you knew immediately upon me submitting my application, that doesn't square up. 
I formally withdrew my application and will not do future business with BOA but I felt this needed to be reported.
Consumer complaint received 2023-09-07
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. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-05-13
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. (GA)

I was a victim of identity i noticed XXXX reporting 3 accounts on my credit file so i filed police reports i wrote a letter explaining my situation with copies of my id social security card and police report they did not remove the fraudulent accounts and said that XXXX is saying its accurate so i requested documents on how Experian and XXXX conducted their investigation and requested proof of this investigation i requested to see where I would have agreed to this loan they both fail to show proof
Consumer complaint received 2023-04-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management (TN)

I contacted the agency back on end of XX/XX/XXXX to verify debt. I told them I didnt think the debt was mind because the address used at the time I hadnt lived there in a year. I specifically asked for something showing my signature on it to prove that debt owed was mine and they told that wouldnt be a problem. I then contacted them again in XX/XX/XXXX and they said they had sent me a letter which they claimed verified debt but in the letter there was not my signature or any other signature just a doctors name from the emergency room. So I called again to say which is XXXX XXXX XXXX and they said XXXX a supervisor would contact me in 7 days and it has already been 90 days the date of delinquency is XXXX and the other Is XXXX I asked them if that can at verify debt to remove the debt from my credit profile and they havent. Fox collections is the name of the Agency and one debt is for XXXX and the other is for XXXX
Consumer complaint received 2023-09-07
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. (ID)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-06-04
Product: Credit reporting 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)

Transunion and XXXX keep reporting XXXX XXXX on my consumer report but the information is inaccurate. The car was in an accident and all the air bags deployed. XXXX XXXX keep reporting that it is active and saying a payment was made last year in XXXX which is also inaccurate. They keep falsifying saying the account is being paid on so they can keep reporting it. This account should be closed. I have sent pictures of the car and my report to transunion twice before showing proof of inaccuracies but they still put it on my report and I asked for an investigation and proof that I'm making payments but I never heard back.
Consumer complaint received 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/2023 at approximately XXXX, I called American Express XXXX retention department at XXXX. My platinum card had just had the {$690.00} annual fee hit on XX/XX/2023. I called and asked if there were any current retention offers on the account. The representative said no, there were not. Or if there were, I deemed them not worth accepting at that time. Then, I needed to get off the phone, as I had arrived at work. The agents normally like to go thru a long, contrived process whereby they ask if they kept you from closing the card, etc etc etc. That is for their own internal job success metrics. I repeatedly said, loudly, 'DO NOT CLOSE THE CARD! DO NOT CLOSE THE CARD! ', before hanging up. 

Regardless, the agent, probably annoyed that I didn't stay on the phone to participate in their XXXX minute question and answer question, closed the account without my request or consent, after more than 7 years of card membership, without my permission, after I hung up. My guess is the agent did this because they were annoyed that I did not stay on the phone for all of the questions. 

I have spent hundreds of thousands of dollars and paid thousands of dollars in both annual fees and merchant transaction fees, and Amex still closed my account without checking, completely as a petty response to me not wanting to waste time answering the agent 's questions. 

The next day, after noticing my card had stopped working, I called Amex retention back at XXXX at XXXX and spoke with XXXX XXXX XXXX informed me that my account had in fact been closed and that AMEX would not be reopening it, even though I did not request it be closed. He did not go back and listen to the calls, he just flat out refused.
Consumer complaint received 2023-09-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Constar Financial Services, LLC (CO)

Again I reached out to this collection company about the car collection that's paid in full and email was sent to them showing proof it was paid off from XXXX. Been 2 months and still no reply to my emails and only reply was to the former complaint that they lied to. I sent the first email and waited 4 days and sent second email. Now 2 months have passed and no calls no emails and no information from this company. They didn't even have the information when the replied to the last complaint. I still have email record from XXXX that the loan is paid in full and will use it as proof of payoff
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below.

I expect this letter to be taken seriously and I demand this fraudulent account be blocked and removed from my report as I have provided you with the required pieces of information.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Can you just believe that this crazy bank - bank of america doesn't have a regular way to make the timely payments when the payment is due for the statement balance? And this is not some coincidence but complete UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices. ) violation which can cause significant financial injury to consumers, erode consumer confidence, and undermine the financial marketplace. 
In my case I almost missed the payment for my card ending in XXXX. When i contacted Bank of America person via chat, rather than helping me, they sent me a useless email which has all the instructions to setup for mobile application. Worst thing, when the customer is on that page to follow the instructions, chat disappears. 
When I was not happy with my chat experience as it is slow and disappearing, Bank of America, Mr. XXXX disconnected the chat. 
Then i called Bank of America. Initial person couldn't solve this issue ( so one can understand how difficult it is to make the auto pay as the Bofa employees themselves are not understanding it XXXX. When the Technical support came in, they are also not very helpful, they are asking me to open some Bank of america checking account.
Consumer complaint received 2023-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IN)

I'm a XXXX XXXX XXXX and in the student loan repayment program through my employer. My employer has been making payments bi-weekly on my behalf since XX/XX/2023. My employer has provided proof of payment that I have submitted to Nelnet. Nelnet processed the first payment and applied it to my account within 3 days of payment ( XX/XX/XXXX ). Since then, the second payment took a month to be applied and only after several calls and being on hold for several hours over a week and not receiving any call backs and an email with no response from Nelnet. There are 2 more payments made on XXXX XXXX and XXXX XXXX that have not been applied to my loan as of today, XXXX. XXXX.
Consumer complaint received 2020-03-05
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)

I reached out to you all in XXXX about accounts on my credit that is not mine. This has really become frustrating all Im trying to do is help my mom and this is has become like a stick in the road. Can you please take these accounts from my credit and I will look at other options. XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX IL XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX, XXXX XXXX , DPT ED/XXXX XXXX, US DEP ED. I contact the FTC and local police.
Consumer complaint received 2024-06-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (OH)

On XX/XX/year>, at XXXX, my cashapp account was hacked for {$2000.00} and 2 days later they attempted to take {$3000.00} which failed because I canceled the debit card attached to my cashapp account. I disputed the transaction through the cashapp customer service line and was denied a refund because they said the transaction originated from my phone which was a lie. My phone was in my purse behind my bed and I was sleeping when the transaction took place. But cashapp did not inform me by email or text message like they have done in the past, before they took the money out of my account. I'm thinking maybe they hacked the cash app card attached to my cashapp account. They didn't attempt to investigate the person who received the money to find out what took place that day. The hackers made it look like I sent them the money.
Consumer complaint received 2020-03-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (CA)

I receive my Social Security benefits thru Direct Express. The money posts on the XXXX  of each month. When I went to withdraw some cash the money was gone. I later learned that someone had transferred all the money to a prepaid card without my authorization. I am on a fixed income and rely on that money for rent utililties, food and medicine. I was told by Direct Express that I would have to wait days for a possible provisional credit to my account but not guaranteed. I am not able to wait. I need help now. I contacted them the day of the theft on XX/XX/20 and everday since after I faxed them requested info and paid {$13.00} for a new expedited card. Still, they say working days which means I can not pay my bills. Social Security tells me this is not a isolated incident. She had just got off the phone with another person who had the same thing happen. Money transferred out of there account. I believe there is a breach at Direct express and they should credit my account immediately. Not make me wait an indefinite amount of time.. I need help with this matter right away. Who can I contact to get some results? There are two transactions on XXXX {$940.00} and {$25.00} that need to be returned to me.
Consumer complaint received 2018-04-28
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

On XX/XX/XXXX and XX/XX/XXXX I sent goodwill letters to the CEO of XXXX XXXX regarding late payments on my credit card account from XX/XX/XXXX to XX/XX/XXXX. The reason for the lateness was because of financial hardship due to being laid off and the unemployment extending longer then expected. In both attempts in requesting to have these lateness removed I was denied my request. I have been a loyal customer of XXXX XXXX since XX/XX/XXXX and this is the only time I have ran into this issue. Since XX/XX/XXXX I have been paying this account on time and have not have a late payment since as well as had a car loan account with XXXX XXXX which was never paid late.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.