davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-15
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 (NV)

I filed the claim with bank of america on XX/XX/2020 for {$770.00} and got temporary credits, on XX/XX/2020 I got an email regarding my claim they said unable to pay " Our records show the transaction activity in question was authorized and posted correctly to your account. We relied on the enclosed documents to make our decision. '' I did not authorize those payments I was in the hospital during those time with XXXX XXXX and when I was gon na pay for my hospital bill that's when I find out about these transactions
Consumer complaint received 2021-01-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'VE BEEN TRYING TO GET THE BUREAUS TO LOOK INTO THESE ITEMS REPORTING ON MY CREDIT REPORT BECAUSE I'M TRYING TO PURCHASE A NEW HOME FOR MY FAMILY.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

This is XXXX XXXX, and I am submitting this CFPB Complaint to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, Experian, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-24
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. (MI)

EQUIFAX, XXXX and XXXX are reporting a charge off for XXXX CO XXXX Charge offs are income and may not be reported on a consumer report. I have not received a XXXX. This account report shall immediately be deleted from all consumer reporting agencies.
Consumer complaint received 2021-01-15
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: CAINE & WEINER COMPANY, INC. (FL)

the following companies are reporting information on my credit reports that do not belong to me. i have been incarcarated and have not opened any of these accounts. 

1 ) CAINE WEINER # XXXX XXXX ) XXXX XXXX  # XXXX And also the below listed company is reporting flase late payments on my credit reports which is false information. 
1 ) XXXX XXXX # XXXX
Consumer complaint received 2021-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2021 I had fraud with my checking account at TD Bank , N.A . Once I realize that the " representative from the fraud dept '' was in fact a fake and the defrauder, I immediately hung up and contacted TD Bank to report the fraud. While speaking to the rep in the fraud dept at TD at approximately XXXX XXXX. - she advised me that the person who defrauded me had also done the same with another TD customer. They had this person 's name, the City and State and the bank in which the funds were transferred and consequently withdrawn from. This information was given to me by TD Bank. I was told to file a police report and to bring the report to a branch to submit to the fraud dept. My claim was denied 3 times. I was never advised by TD in writing or by telephone. I only became aware because I continued calling the fraud dept for a status. I can not understand, if TD Bank is aware of the identity of this person, the fact that this person has done it before why they continue to deny my claim. I had a {$1000.00} stolen from my account. I asked TD to review the recording of my conversation with their representative XXXX XXXX of the fraud dept to confirm that the information came from them. They have not done so. Why not, because then they would have no choice but to do what they are insured for - return my funds. It is unbelievable that TD Bank would treat a customer like the culprit instead of the victim.
Consumer complaint received 2020-03-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Brightwater Capital, LLC (GA)

The " receivables investor '' Brightwater Capital LLC has  neglected to send me a debt validation letter. Phone calls to their provided number are never answered, making it nearly impossible to have this resolved without intervention. At the present time, legal counsel for a collection agency that may or may not actually be able to collect on this debt is threatening a lawsuit. Brightwater Capital LLC should be aware of the actions of any agency they use and every party involved has provided nothing in writing.
Consumer complaint received 2020-03-11
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 (AZ)

On XX/XX/XXXX I paid {$1500.00} from my Bank of America Corporate Checking account to my Bank of America Corporate Credit Card. BofA took the funds from my personal checking account. These accounts are not linked. BofA states they would return the funds on XXXX XXXX & XXXX. The funds have not been returned to my personal checking account and the stated error on their part has incurred numerous fees to my personal checking account.
Consumer complaint received 2023-01-24
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. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2020-03-11
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: CITIBANK, N.A. (FL)

XX/XX/XXXX, I opened my dispute for {$1300.00}. 

XX/XX/XXXX, I closed my dispute, With the intent of disputing half the original amount. 

XX/XX/XXXX, Dispute department employee XXXX, Enters all my information for the new amount and assures me within 2 weeks time my information for the new dispute would be mailed to me. 

XX/XX/XXXX, After waiting the 2 weeks, I call in and am informed by supervisor XXXX turns out the dispute can't be reopened. That, {$200.00} is all she can do and I have no recourse but to pay {$1100.00}. 

XX/XX/XXXX, I emailed XXXX XXXX SVP, XXXX XXXX XXXX 

XX/XX/XXXX, I received a voicemail from XXXX XXXX Of Citibank 's Executive Response Unit. 

XX/XX/XXXX, I received a letter stating what had been done. 

XX/XX/XXXX, After requesting through social media to be contacted by email like Mr.XXXX had previously stated I was once again contacted by phone. 

XX/XX/XXXX, After finally receiving an email from Mr.XXXX. I emailed the executive response unit and have yet to receive a reply. 

After much back and forth, I've yet to speak with my point of contact XXXX XXXX. When I requested a direct phone number to reach someone other than XXXX it could not provided. According to the letter, I was credited {$90.00}. This coming after never receiving the {$650.00} that Citibanks dispute department assured me would be issued. This was their employees mistake and the issuance of a partial credit only affirms that mistake.
Consumer complaint received 2021-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into XXXX  do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my XXXX XXXX I value. I have asked XXXX to Please block, remove or delete this information pursuant to section FCRA 611. XXXX is the reason why this has happened!
Consumer complaint received 2020-03-11
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. (WV)

My information isnt right and I have accounts, loans and more on my reports that arent mine. My name is misspelled and my social doesnt match I have contacted all three Credit bureaus and all three have been unhelpful. When I try to apply for anything that checks my credit it claims that I have no credit in the United States or I have wrong information and it cant be pulled up.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (WA)

On or about XX/XX/XXXX, the Bank charge the annual fee to my account in the amount {$95.00}. Later this month, I called the Bank to close the account and was offered an annual fee waiver. The Bank refunded the fee ( {$95.00} ) on XX/XX/XXXX. At no point it was disclosed to me that the Bank would treat the refund as income to me and that it would issue a XXXX form recognizing my " income ''. Refunds are never income because I was first charged first {$95.00} and then had it refunded. After I received the XXXX form from the Bank, I spent XXXX hours over the period of XXXX days to have it corrected. Each day, I got transferred at least XXXX  times to different agents. In the end, they refused to help asking me to escalate it. The final " no '' came on XX/XX/XXXX. As a result, I'm filing this complaint. The Bank failed to proper classify annual fee refunds resulting in misreporting my income. In the alternative, the Bank was supposed to notify me about the tax implications of this particular offer if their system is not set up to properly classify fee refunds.
Consumer complaint received 2021-01-15
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: Stevens Business Service, Inc. (NC)

Upon looking at my credit report, there is infomation reporting that I have no relation to. As you know, my credit report, UNDER FCRA, must be accurate with each agency. Negative fraudulent information reporting that is damaging to a consumers report, must be removed within ( 4 ) business days. This information has hindedred me in obtaing more credit, in order to build my credit profile.

According to FCRA 609 ( E ) Fraudulent information reporting to a consumers credit report MUST be removed within ( 4 ) business days of receipt of this information.

According to FCRA ( 609A ) you must provide me with the ORIGINAL signed contract ( also referred to as WET COPY ), between me and the creditor that you claim that I owe a debt to. If you can not provide this information IMMEDIATELY, the information listed in this report must be REMOVED. PLEASE NOTIFY EACH AGENCY REPORTING THIS INFORMATION AS MY CREDIT REPORT MUST BE ACCURATE UNDER FCRA. 

This agency is in direct violation of the FCRA. FAILURE TO COMPLY WILL RESULT IN A LAWSUIT AGAINST EACH PARTY INVOLVED, INCLUDING ANY AGENCY REPORTING INACCAURATE INFORMATION. 

XXXX XXXX XXXX {$90.00} XXXX XXXX XXXX XXXX {$130.00} XXXX Stevens Business Service/XXXX XXXXXXXX {$1300.00} XXXXXXXX XXXX XXXX- {$910.00} XXXX Collection Account- {$56.00} XXXX The following inquiries are done without my consent and are in error. This is a direct violation of the FCRA XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Us Small Business Admin Oda XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Adress that are not mine XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX MY ONLY NAME IS XXXX XXXX XXXX , PLEASE REMOVE ANY " ALSO KNOWN AS '' NAMES THAT YOU HAVE LISTED
Consumer complaint received 2021-01-15
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: Simon's Agency, Inc. (NC)

Upon looking at my credit report, there is infomation reporting that I have no relation to. As you know, my credit report, UNDER FCRA, must be accurate with each agency. Negative fraudulent information reporting that is damaging to a consumers report, must be removed within ( 4 ) business days. This information has hindedred me in obtaing more credit, in order to build my credit profile.

According to FCRA 609 ( E ) Fraudulent information reporting to a consumers credit report MUST be removed within ( 4 ) business days of receipt of this information.

According to FCRA ( 609A ) you must provide me with the ORIGINAL signed contract ( also referred to as WET COPY ), between me and the creditor that you claim that I owe a debt to. If you can not provide this information IMMEDIATELY, the information listed in this report must be REMOVED. PLEASE NOTIFY EACH AGENCY REPORTING THIS INFORMATION AS MY CREDIT REPORT MUST BE ACCURATE UNDER FCRA. 

This agency is in direct violation of the FCRA. FAILURE TO COMPLY WILL RESULT IN A LAWSUIT AGAINST EACH PARTY INVOLVED, INCLUDING ANY AGENCY REPORTING INACCAURATE INFORMATION. 

XXXX XXXX XXXX {$90.00} XXXX Simons Agency Inc- {$130.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX- {$910.00} XXXX Collection Account- {$56.00} XXXX The following inquiries are done without my consent and are in error. This is a direct violation of the FCRA XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Us Small Business Admin Oda XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Adress that are not mine XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX MY ONLY NAME IS XXXX XXXX XXXX , PLEASE REMOVE ANY " ALSO KNOWN AS '' NAMES THAT YOU HAVE LISTED
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST NATIONAL BANK OF OMAHA (MI)

There has been a credit card application that was applied using my name. When I go by and use a different name. It was made on XX/XX/23. I did not apply for a this FNB Omaha credit card. It was denied thankfully but it wasnt me that applied for it. I have called XXXX and they told me to report this through here and submit my report form this to them with my ID confirming my current address.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CBE Group, Inc. (TX)

XXXX ( XXXX XXXX ) sent my account to collections without notifying me there was anything due. Once the collections company, CBE Group, got the file they immediately reported it to the credit bureaus. This was a {$59.00} charge that never should have gone on my report. I was unaware of it and after speaking with the collections company it is showing as satisfied rather than removed. To summarize, this was a cable box I did not know I had to return. I was never notified I needed to return it until it went on my credit report.
Consumer complaint received 2020-03-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

My consolidation loan originated with XXXX for 20 years, fixed interest, and stipulated payments throughout the loan until the last payment in XX/XX/XXXX. Sallie Mae then took over the loan and now Navient has the loan. 
Recently I noticed they show an " estimated '' payoff date of XX/XX/XXXX. When I inquired they stated XXXX did not disclose the loan properly and that Navient recalculated the loan for what I owe. 
My legally binding terms and payment conditions were signed with XXXX back in XX/XX/XXXX. In Sallie Mae and Navient assuming that loan, they in turn should maintain the terms and conditions. 
After 2 calls, Navient again " recalculated '' my loan and then instilled a higher auto payment draft scheduled for XX/XX/XXXX which I do not authorize. 
A third call was made today, XXXX, indicating I do not authorize that payment nor do I still agree with their " recalculation '' of the payments due beyond XX/XX/XXXX. 
They state they will be sending me my original XXXX table of payments and then their table of my payments and how I am coming up " short ''. 
If XXXX calculated my loan amount, repayment value and monthly payment amounts incorrectly that is not my fault, nor my responsibility. I signed a binding contract with them for those indicated payments scheduled. 
If another company assumes the loans, they should assume the same terms, especially since I never signed anything with them allowing them to reassess my loan, nor change any terms or conditions of my original loan taken out through XXXX. 
I feel I am only legally obligated to make payments at the monthly rate for the remaining three ( 3 ) months of my 20 year fixed consolidation loan. The outstanding value of that loan is not sizable. It is the principle here of a loan company taking advantage of people, not hearing and understanding my complaint, nor acknowledging the risks they assume when acquiring terms and conditions from loans they now take over.
Consumer complaint received 2024-04-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (NY)

I have a XXXX yr CD that I've been trying to close with Citibank since XX/XX/XXXX. They claim that the account can't be closed because it is used as security for a loan. I am not aware of any outstanding loan nor do they see any loan in their system. They sent my case to the legal department XXXX weeks ago and still haven't provided an answer. I been in the bank at least XXXX times and have spoken with the branch manager who's name is XXXX XXXX. 

The XXXX yr Cd was renewed in XX/XX/XXXX. I understand that I will be penalized for canceling the CD mid term. The penalty amount is approximately {$93.00}. I also requested that the penalty be reduced since through not fault of my own I did not have access to those funds to invest them as I pleased.
Consumer complaint received 2021-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Thunderbird Collection Specialists, Inc. (AZ)

I was taken to court for a default judgement because they never actually served me or informed me of this debt back in XXXX. I was not aware of anything until my employer received notice of garnishment. At that point I tried to look into it but since it was a default judgement there was nothing I could do to fight it. So I paid the debt in full as of XX/XX/XXXX to get it over with and remove the garnishment. Come XX/XX/XXXX I received a letter saying I still owe on the account. I immediately called to clear up the issue but the agent said there was no payment made on the account. I said well if thats the case why did it take so long to get me a notice to which they said they had sent 27 letters which is not at all true given they already never gave documentation in the first place until after they sued me. After he decided to just say I was wrong instead of looking into the account or providing any evidence he hung up on me. I then promptly sent a letter towards the end of XX/XX/XXXX with a copy of the receipt that showed it was paid in full. I even checked my credit score and it shows as paid in full and closed. I received one other letter dated as of XX/XX/XXXX saying they will report me to the credit bureaus if I didnt pay them within 10 days of them giving me this notice. I didnt receive that letter till XX/XX/XXXX. They have not provided any proof of debt or acknowledged my proof of paid in full payment.
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2024-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (NJ)

This is a resubmission to closed complaint XXXX. TD Bank responded that they restored access to my XXXX account which they have not. I would like to resubmit this complaint as despite numerous calls with various departments they are continually passing the buck to other people and being non-responsive to me despite repeated assurances.