davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I am trying to close a Bank of America business checking account ending in XXXX in the name of XXXX XXXX XXXX XXXX. I am the president of this company and have returned a signature card in the spring of this year reflecting such. 

I visited a branch of Bank of America on XX/XX/XXXX only to be told my request could be handled on the phone. I called the call center via the Bank of America app, on which I had authenticated ( and was allowed to transfer funds in and out, pay bills via billpay, and do other normal banking tasks ), and was denied the ability to close the account because the rep said " needed documentation hadn't been uploaded '' and that I would have to visit a branch with my ID to close this account. When I mentioned I had already visited a branch and the branch personnel had directed me to call, the representative, while polite, indicated there was nothing she could do. 

This account charges a XXXX XXXX  monthly fee and I was trying to close the account before the next fee would be charged so as to avoid it. I pointed out this to the rep, who said she would " notate '' my account so that when the next fee posted, it could be reviewed, but that she was unable to guarantee it would be refunded. 

I have a feeling this was a ploy to keep the account open so that more fees could be charged. A customer calling in, authenticated, via the bank 's own app should be able to close an account to stop further charges. At it stands I have visited a branch and called and still can not get Bank of America to close this account. How am I supposed to stop being a customer? 

RESOLUTION REQUESTED : Close the checking account ending in XXXX and refund any fees that post on or after XX/XX/XXXX, as I was prevented twice from closing the account before any fees would be incurred.
Consumer complaint received 2023-08-10
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: EQUIFAX, INC. (TX)

I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX .
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NE)

I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.
Consumer complaint received 2022-10-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

I am responding back to the Citizen XXXX response. After I made my complaint with CFPB XX/XX/XXXX. XXXX from Citizen XXXX called me on XX/XX/XXXX at XXXX XXXX  She stated she would invesigate and call me back. XXXX never called me back. I just received a response letter post dated XX/XX/XXXX. I paid {$25.00} less on my first payment because I was tild to do so by a Citizen XXXX  representative on the first call. I was given a credit by XXXX 's company for XXXX Monday the day I purchased the television. I also had returened a pair if earrings to XXXX 's during the first 30 days of finally receiving them to my home. I have asked for an investigation since XX/XX/XXXX and obviously have been brushed to the side. I have requested apayoff to prevent continuous interest buildup. The procrastination of the Citizen XXXX representatives is causing me interst. The same interst that that XXXX the representative is saying I owe. This is my third complaint about Citizen XXXX. I requested an investigation of the calls made to the company on XXXX XX/XX/XXXX. I spoke with a representative about my payments were beyond the payment installment schedule. That representative told me that there would be one more payment coming out of my bank in XX/XX/XXXX ( a television from XXXX 'S department store ). I requested to make the payment & pay the television off during the XX/XX/XXXX conversation. I was told by the said representative that two accounts were listed, I said I was about to finish an installment for the television & had just purchased a laptop. There were two interest rates & it was being charged for the higher interest rate instead of separate purchases. The previous supervisors that I spoke to on XX/XX/XXXX ( XXXX ) saw this as well. She stated she would call back and never did as well.
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (MN)

XX/XX/2019 {$1100.00} XXXX XXXXXXXX XXXX ID # XXXX XX/XX/2019 {$350.00} XXXX XXXX XXXXXXXX ID # XXXX I have disputed this multiple times with Wells Fargo ( WF ) and sought additional handling. It is not my charge and was not made by me. I never signed or provided information. I would have no reason to make this charge. 

When the charge appeared, I called the merchant number and they claimed they could cancel whatever was charged at that time. They then directed me to WF if the charge was not reversed for some reason. 

WF admitted that the Corporate Headquarter sent information that showed their concern as well and that they did not have sufficient information to process these charges. I do not recall the exact terminology translated by WF for the merchant, but clearly WF knew that this dispute process was not followed properly as they explained to me. They stated that when they received this information they should have continued to the next step and they failed to do so. It may be that WF ran out of time for the dispute process so just neglected handling it. WF then sent letters claiming that I paid monthly on the account therefore they had no dispute rights. They have failed to properly credit the account.
Consumer complaint received 2022-04-18
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. (IL)

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

XXXX XXXXXXXX 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
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

I had got a phone one morning while I was getting ready to go to work an it was the Wells Fargo fraud claims department calling me to let me know that my account has been in a fraud Would I like to resolve it over the phone or go to the bank an speak to an agent. I went to the bank an I told him how I got a phone call saying my account has been hacked. He ask for my bank card an he pulled it up an we call the fraud department due to my account was being hacked an money was being withdrawn in Chicago Illinois an I live in XXXXXXXX XXXX. While we was on the phone my money was still being withdrawn in Chicago Illinois. They with draw all my money from my checking an savings accounts they paid off my Wells Fargo credit card an withdraw the money from my credit card. The bank gave me back the money for my checking an savings but never did for the credit card which damaged my credit. Along side my whole identity was being stolen from there that I never got my tax refund cause they said was already cashed in that IRS had to give me a special PIN number when I do my tax so they know it is me We are in XXXX  now. Up to XXXX  Wells Fargo was still asking me to pay off my credit card which I never made those charges or spend {$1500.00} I told them give me back the money on the credit card where my whole account was hacked an I would pay what I use on my credit card which was {$130.00} what I charged. They never gave me back the money an my credit was damaged from the time it happened all the way up to XXXX.
Consumer complaint received 2019-07-30
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. (NY)

The financing company repossessed my vehicle after EVERY single payment was made on time and then not even 24 hours of it being late they repossessed it for being Late. I had to pay repossession fees AND also hefty fees to the financing company ON TOP of my already HIGH payment. MY bank told me that they should have at least tried to bill my auto payment twice or three times before REPOSSESSING the vehicle. It was IN my bank account. NOW my credit report shows that I had a missed payment. 

Also CURRENTLY I have made EVERY SINGLE payment BEFORE the agreed upon date each month so my credit report SHOULD show the actual payments. I am NOT happy about the fact that the Equifax only shows I paid until XX/XX/XXXX when that is INCORRECT. I have paid EARLY every single month for this ENTIRE YEAR. I want the credit Bureaus to reflect the CORRECT payments. All it states on my credit reports is that it is current but only shows that I made payments through XX/XX/XXXX. It should be showing XXXX and XXXX both of XXXX as well. 

View all accounts XXXX XXXX XXXX XXXX Co - 2 Missed Currently on-time Overview You've paid off 10 % of the original amount. 






Balance {$19000.00} Highest Balance {$21000.00} Monthly payment $ 583OpenedXX/XX/XXXX ( 1 yr, XXXX mos ) Term66 months Payment History Youve made 88 % of payments for this account on time. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Current Current Current Current No Info XXXX No Info Current Current Current Current Current Current 30-59 Days Late Current 30-59 Days Late Current Last paymentXX/XX/XXXXCurrent Payment StatusCurrentWorst Payment StatusNo Info Account Details Account statusOpenTypeAutoResponsibilityIndividualRemarksConsumer disputes - reinvestigation in progressTimes 30/60/90 days late2/0/0 GO TO EQUIFAX Creditor Information XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, MI XXXX ( XXXX ) XXXX
Consumer complaint received 2022-01-19
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MO)

On XX/XX/XXXX my Reverse Mortgage servicing was moved from the PHH Mortgage Company office in XXXXXXXX XXXX to their office in XXXX XXXX XXXX FL. On XX/XX/XXXX I faxed a Line of Credit Draw Request Form to the Michigan office ( XXXX ) and to the XXXX XXXX XXXX office ( XXXX ). When I did not receive the funds I called the Michigan office and was referred too the Florida office. I called the Florida office three times, waiting on line, and pressing buttons until I reached a human being. Each time I was assured the fund would arrive, each time nothing happened. I finally called PHH Mortgage Customer Service ( XXXX ) and learned that my mortgage number ( XXXX ) had been changed with no one notifying me ( new # XXXX ). So far, despite the efforts of the very nice person at PHHCustomer Service, no money is forthcoming.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX, Capital One Auto Finance sent me the Transaction History Report that I requested from them a few weeks prior. I requested the report because I believed there existed errors in the balance shown on my credit report, and in the letters they were sending to me in attempts to settle the account for my repossessed XXXX XXXX XXXX ( repossessed in XXXX of XXXX ). After reviewing the account transaction history for the first few payments on the loan ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I noticed that the amounts I was charged for interest was too high. Additionally, there was a random fee of {$7.00} for the month of XX/XX/XXXX. The customer service representative who I spoke with for more than one hour was unable to explain to me the reason for that fee or other codes and extraneous fees on the Transaction History Report. 

She stated that I was going to be speaking with the 'President ' of her department, but she refused to specify the unit within Capital One that this 'President ' would be representing. Needless to say, I was never able to speak with that person, although I was on hold for an extended period of time.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

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 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 2023-11-27
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. (NC)

I reached out to Equifax on XXXX regarding Inquires i did not consent to. As a result Equifax did not respond to me regarding this matter. Please help with getting this matter resolved as these inquires are not a true reflection of my character, UNAURTHORIZED INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

I have information appearing on my credit report that I need deleted/removed it is not accurate. My name is XXXX XXXX please remove any variations of my name. My current employer XXXX XXXX XXXX XXXX XXXX The following addresses are not mine/inaccurate please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NV)

Well approximately the date was XXXX was on my phone talking to my sister on XXXX  got a email notifying me that someone had logged into my bank account account at XXXXXXXX XXXX. that day and shortly afterwards about XXXX they had transferred {$370.00} from my credit card to my checking account and took out {$400.00} I am a XXXX woman on XXXX that was my XXXX money that they took all that I have left was {$10.00} in my account please help
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (FL)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2022-09-05
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. (GA)

The only address that is accurate on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX These addresses were used by fraudsters and need to be removed so my personal information is not mailed there anymore so No body will have access to my information or the ability to have access to my credit again XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX My name is spelled XXXX XXXX I never used or applied with the following spelling below and should be removed and deleted Incorrect spellings of my name XXXX XXXX XXXX XXXX XXXX And I have a outdated job listed I try to remove several times which is listed below I would like removed and deleted XXXX XXXX XXXX This is my correct cell phone number XXXX These phone numbers listed below are inaccurate and are not mine XXXX XXXX XXXX
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$4200.00}, ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$220.00}
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX US DEPT ED XXXX Balance : {$3800.00} US DEPT ED XXXX Balance : {$540.00} US DEPT ED XXXX Balance : {$2500.00} US DEPT ED XXXX Balance XXXX {$4900.00} US DEPT ED XXXX Balance : {$3100.00} US DEPT ED XXXX Balance : {$2300.00} US DEPT ED XXXX Balance : {$2500.00} US DEPT ED XXXX Balance : {$4900.00} US DEPT ED XXXX Balance : {$6000.00} US DEPT ED XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX.
Consumer complaint received 2022-10-16
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX  XXXX, XXXX LAW # XXXX, XXXX LAW # XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX, 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 a account without my written instructions
Consumer complaint received 2023-08-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

The credit reporting agencies are in complete violation of my consumer rights. 15 USC 1681B A2 states that no one can furnish information on a consumer 's credit report without their written instructions.18 USC 1028A states this is consider a form of identity theft if i didnt give permission. 15 USC 1681 Section A states i have the right to privacy. All accounts reporting on my credit report are inaccurate and not mines. They are misleading, unfair, and I want all the negative close accounts deleted immediately. I have a recent credit report identity theft report, and letters i sent to each organization. Again i command that Equifax, XXXX, and XXXX cease and desist any negative reporting without my permission and consent. Any future reporting of these negative inaccurate closed account will result in legal actions taken to protect the consumer XXXX XXXX XXXX [ XXXX ] UCC 1-308 without prejudice.