davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/XXXX I got an alert from my card issuer ( Bank of America ) that there was a suspicious activity on my card. Two transactions went through and the third was blocked by bank of America. The transactions that went through were from XXXX for {$260.00} and from XXXX XXXX for {$260.00}. I did not make these transactions and swiftly reported them as fraud. The bank issued me a refund on XX/XX/XXXX for these two transactions. 
However, on XXXX the charge for {$260.00} was put back to my card stating that " the seller provided correct address on file ''. Needless to say I never received anything from XXXX. I appealed the decision and asked for shipping tracking information and it was not provided. Bank of America fraud department refused to give me any further details. My appeal was closed silently without any notification forwarded to me of the decision made. I called Bank of America on XX/XX/XXXX again to appeal the decision, spoke with XXXX in fraud department at XXXX.He said the claim was closed because it was " an old claim '', even though it was appealed by me. He said that the seller matched the address and the name on file, but did not match the email. Again I asked for the shipping confirmation that the goods were actually shipped to my address and again did not get any supporting information. I appealed the decision again and it went nowhere again. 
At this point I feel powerless to fight the careless bank that frivolously adds charges to my account even though they were the ones who alerted me of fraudulent activity in the first place on XX/XX/XXXX. They can not provide tracking information and the email that the seller has on file does not match mine. That what XXXX told me. 
I have been a Bank of America customer since XXXX with excellent track record. 
At this point after numerous phone calls to Bank of America I have exhausted my options other than to complain about their practices. 
Sincerely yours, XXXX XXXX
Consumer complaint received 2019-12-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Hi.begining XX/XX/2019 i applied for first time home buyer and I did choose Bank of America because of her special, low down payment government grant plus plus, ok so far so good.first home I found took one month to decide either the bank will approve the loan or not finally the answer is NO the reason is HOA insurance policy ok I have to look for another home, on more month I found another home ok I applied for it same bank same loan officer. After on more month nothing worked out denied again HOA policy against the bank rules, ok the lender told me, you have to look for third unit yes  third, and this time it s gon na be faster and easier, well I dont have choice, by the way those searches for home cost me {$6000.00} and 6 months, so the third home as of today XX/XX/2019 still not have final decision I dont have place I m staying in hotel very expensive and the worst thing is the bank of America switch their initial offer from conventional loan to an FHA loan on the top of that I LOST all special yes, all help for first time buyer, government grant, and I have to pay mortgage insurance totally unfair after 6month you loose your time your money and all the grants from the government,,, please need help l have other infos and proof that my application was full of wrongdoing
Consumer complaint received 2019-12-27
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. (TN)

I do not recall having this account. The date open is inaccurate. I have disputed this account with the credit bureaus asked them to validate this account but I'm still not able to get a response. 

Collection account : Account No. XXXX Date last reported : XX/XX/2019 Date opened : XX/XX/2019 Amount : {$280.00}
Consumer complaint received 2019-12-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: U.S. BANCORP (FL)

I am a beneficiary on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In the trust it stipulates that I can have a XXXX interest loan for {$30000.00} provided I provide collateral. I pledged my home and or a car title as collateral. XXXX XXXX and her boss XXXX XXXX said that they would have to charge me interest so the bank could make money on the deal. I said no it stipulates in the trust a XXXX interest loan. Because of this I was denied the loan. This is not right because my Grandfather stipulated that if we ever needed to take a loan out it would be at XXXX interest. I would like to see this rectified. Thank you in advance. 
Regards, XXXX XXXX XXXX
Consumer complaint received 2020-06-08
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. (VA)

On XX/XX/2020 I wrote to XXXX XXXX XXXX and Trans Union to tell them that this was ID fraud this was not my account. They sent me print out with no signature or verification that I stated in my letter they had to verify by law. Which they say I owe the amount of {$830.00}. I sent them documents explaining that someone was using my SSN to obtains loans, jobs and cell phones. 
I wrote XXXX XXXX XXXX they refused to take this off my credit report which they are collection company not the original creditor they say it was XXXX. 
So, I wrote them again XX/XX/XXXX and XX/XX/XXXX know verification that this was my account.
Consumer complaint received 2019-12-27
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. (TN)

I do not recall having this account. The date open is inaccurate. I have disputed this account with the credit bureaus asked them to validate this account but I'm still not able to get a response. 

Collection account : Account No. XXXX Date last reported : XX/XX/2019 Date opened : XX/XX/2019 Amount : {$280.00}
Consumer complaint received 2020-06-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

Stolen checks were caught by my bank Wells Fargo on XX/XX/2020. Fraudulent direct debits to a XXXX XXXX totaling {$12000.00} were taken from my account on XX/XX/2020. I closed this account and opened a new account on XX/XX/2020. Fraudulent direct debits to a XXXX XXXX appeared on my new account all through the month of XXXX and XXXX. This was during the Covid19 pandemic and I was trying to deal with the closures and chaos this was causing my XXXX. I was under the impression that this had all been taken care of by closing my account and opening a new one and I wasn't looking for more fraudulent activity at the time. By the time I noticed these fraudulent debits were still happening it was the beginning of XXXX. I immediately notified the bank and made an appointment with my local bank. My bank said they could not help me and the fraud department denied me coverage saying that I waited too long to notify them. I am a XXXX XXXX XXXX  and these debits have totaled {$15000.00}. I can not afford a loss of this magnitude.
Consumer complaint received 2020-06-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

My Experian credit score went up 12 points on XX/XX/2020 and then suddenly dropped by 24 points two days later on XX/XX/2020 although my credit report did not change during this time, and Experian provided no answers. 

I saw this on my credit alerts on Sunday XX/XX/2020 and called Experian on Monday XX/XX/2020 at XXXX to ask what could have caused the sudden 24 point drop. Experian Representative XXXX said she can not explain it, she can only compare my XX/XX/2020 credit report with my XX/XX/2020 report and see that nothing changed except my credit card balances decreased, which should generally help my score, not hurt it. XXXX said Experian can not give any specific information about the 24 point drop. XXXX said my Experian member ID is XXXX. I asked to speak with a supervisor, who also said she can not explain what might have caused the 24 point drop. She said " Experian can not confirm or deny '' the reason why my score dropped 24 points during a time when my credit report didn't change. 

CFPB Representative XXXX said on XX/XX/2020 at XXXX that Experian should have an explanation, when such a significant score change happens during a time when the credit report didn't change. 

In addition, there can be no new harmful inquires on my credit report during this period in XX/XX/2020, because from XX/XX/2020 to XX/XX/2020, I initiated a freeze and fraud alert on my credit report with the three credit agencies, Experian, XXXX, and XXXX. Two hard inquires were successfully removed in XX/XX/2020, which is a good thing. The resolution in XXXX should help, not hurt, my XXXX score. And although I always paid my bills in full each month, I started paying down next month 's credit card balance proactively, which the credit agencies ' FAQs all say should help, not hurt, my score. 

If anything, my score should be better than before, not worse. Please explain the score drop. Thanks.
Consumer complaint received 2023-01-23
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. (DE)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-06-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

XXXX  ; Experian and XXXX  should not be reporting each inquiry listed as a separate line item on the XXXX XXXX XXXX-XXXX. These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry for XXXX XXXX XXXX-XXXX. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2023-01-23
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. (NM)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX  ; XXXX  and Transunion should not be reporting each inquiry listed as a separate line item on the XXXX XXXX XXXX-XXXX. These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry for XXXX XXXX XXXX-XXXX. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-06-08
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX XXXX advertised a bonus for opening up an account, Performance 360. The promotional bonus was available until XX/XX/XXXX. I started the process on XXXX, however, after many attempts to complete the application and calls to the call center I was unable. 

The problem was finally diagnosed today. They had an incorrect birthday for me in their system from a 10 year old ING mortgage, and so my application was being kicked out due to lack of match of my birthday year. 

Today, they processed a correction, but said it would take 3 days for it to process. That is not a reasonable amount of time. Most importantly, it would put me outside of the window for the promotion, which ends on XX/XX/XXXX. I started calling them and talking to them on XXXX, so I asked for an exception to extend the promotion for me, which they refused. I spent 1 hr 40 minutes on the phone with them today alone, and had previous conversations and misdirections. They wasted so much of my time for no reason and caused me to miss the promotion. When I asked for an extension, the supervisor said we had the promo since XXXX, you should have applied earlier. That is not right. If promo is available until XX/XX/XXXX, I should apply when my situation is such that I need a savings account. I was not in the market for one in XXXX.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

To whom it may concern, I have tried over and over again to get accounts removed from my credit file that do not belong to me and in addition was not opened by me. I need your help in getting these items removed from my credit file : The following items are not mine : XXXX - Bal : {$0.00} on ( XXXX XXXX Equifax ) and {$2100.00} XXXX - Bal : {$0.00} ( XXXX & XXXX ) XXXX XXXX - Bal : {$16000.00} ( XXXX & Equifax ) XXXX XXXX  XXXX XXXX XXXX XXXXk - Bal : {$2200.00} ( XXXX & XXXX ) XXXX XXXX - {$8700.00} ( XXXX, XXXX, Equifax ) XXXX XXXX  XXXX {$2200.00} ( Equifax )
Consumer complaint received 2019-11-21
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. (MN)

looking to purchase a home and I noticed inaccurate and fraudulent information on my credit report. i have asked each credit bureau to remove all information not belonging to me and or not authorized by me and the information is still within my report, with no such verification and or documentation granting authorization by me. I am hereby asking each credit bureau to remove all inquiries and all negative reporting info that doesnt belong to me.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am making a complaint about the 3 Credit Bureaus Experian, XXXX and XXXX are reporting incorrect addresses on my credit report. I have tried to fix this issue and it keeps coming back as VERIFIED. The address does NOT belong to me nor do I have any knowledge of this address. The address is XXXX XXXX XXXX XXXX Florida, XXXX Please DELETE this address because this is misleading and is going against my consumer rights. I have made an Identity report on several accounts and I believe this address is attached to fraud accounts.
Consumer complaint received 2020-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (TX)

I have mailed and sent Equifax copies of the court dismissal paperwork of the debt I supposedly owed to XXXX XXXX. The paperwork clearly states the companies name, XXXX XXXX and the words dismissed without prejudice to ( Me ) XXXX XXXX.
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc. (MD)

XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from SANTANDER CONSUMER USA XXXX at XXXX XXXX XXXX XXXX XXXX, TX XXXX showed on my XXXX credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (WA)

I was contacted via telephone on XX/XX/XXXX regarding a debt that I was accused of owing. The caller stated that I owed over {$200000.00} to the Department of the Treasury related to a Small Business Administration loan from XXXX. This SBA loan was secured and held by my cousin, XXXX XXXX. He worked with an attorney to resolve this debt using an Offer In Compromise. He paid the SBA a lump sum of {$110000.00} which was made in order to resolve this debt. The debt collector at XXXX XXXX XXXX claimed that this loan was never resolved and has been delinquent ever since XXXX and has been solely attached to my name. They are working off of incorrect information and this debt no longer exists. Furthermore, this is the first time I have ever been contacted regarding this supposed debt. It has taken nearly a decade for this attempt at collection to occur.
Consumer complaint received 2020-06-08
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 — Their investigation did not fix an error on your report
Company: Phoenix Financial Services LLC (GA)

PHOENIX FINANCIAL SERV Original creditor : XXXX XXXX XXXX XXXX {$1200.00} There are no contracts, no valid claims ... account was settled original with creditors and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am making a complaint about the 3 Credit Bureaus XXXX, XXXX and Equifax are reporting incorrect addresses on my credit report. I have tried to fix this issue and it keeps coming back as VERIFIED. The address does NOT belong to me nor do I have any knowledge of this address. The address is XXXX XXXX XXXX XXXX Florida, XXXX Please DELETE this address because this is misleading and is going against my consumer rights. I have made an Identity report on several accounts and I believe this address is attached to fraud accounts.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and severity of not taking my situation seriously. It has cause financial injury and defamation of character along with 43 plus days of no response.
Consumer complaint received 2020-06-08
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: AES/PHEAA (MA)

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX DATE OPEN : XXXX XXXX, XXXX XXXX XXXX   XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX  DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position