davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, My name is XXXX XXXX. I received an unemployment EDD  prepaid card, but I am not able to activate it to use the funds, because I am XXXX years old. Bank of America is refusing to activate the card, because they want my mother to be on the card and they send me back to the sponsor which is EDD. It is almost impossible to speak with an agent at EDD, when I finally get hold of someone after holding 4-5 hours, I get the same response. There is no way EDD can add another persons name on the card. And they tell me to call Bank of America back. EDD also emailed me a formal letter saying they cant add my mother. It has been 2 months I cant get my unemployment benefits because Bank of America will not activate my prepaid card. Bank of America insisted that EDD can add my parents name on the second line of the address, but after EDD added my mothers name on the address line, Bank of America still can not see her name on their side. Please help I am so desperate.
Consumer complaint received 2020-03-13
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: Merchants and Professional Bureau, Inc. (TX)

I had a payment plan in motion and up to date with XXXX for an auto loan and they repoed my car regardless of our verbal agreement. I have went back and forth disputing and it has ruined my credit I cant even get a credit card to buy school clothes! There are class action law suits Im getting involved in after I research more.
Consumer complaint received 2022-12-31
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX XXXX Capitol One didn't deposit into my account 2 days early like they say they would do Capitol One have agree to make deposits early into account they have a commercial on TV advertising that they do early 2 days deposits when i call to ask about my deposit a customer service representative told me at the end of each year they don't do early deposits because of tax reason to make interest off of money. So making a fraud commercial on TV just to get customer is misleading customer is wrong.
Consumer complaint received 2020-03-13
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: Santander Consumer USA Holdings Inc. (TX)

I had a payment plan in motion and up to date with Santander for an auto loan and they repoed my car regardless of our verbal agreement. I have went back and forth disputing and it has ruined my credit I cant even get a credit card to buy school clothes! There are class action law suits Im getting involved in after I research more.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, 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. (IL)

ISSUE No. 1 : EQUIFAX will not send me a copy of my credit report. 

I have written to Equifax ( Certified Return Receipt ) seven ( 7 ) times, since XX/XX/XXXX, to request various corrections and to request my credit report. I have provided Equifax with multiple copies of valid Identification ( i.e., copies of Driver 's License, SSN card, and current Utility bills ). 

For each request to Equifax, I received a standard letter stating " we were unable to locate a credit file in out database '' ( even though the requested corrections would be made to my online Equifax account ). The dates written are as follows : 1 ) XXXX ( U.S.P.S. Certified Mail Receipt ) 2 ) XXXX ( U.S.P.S. Certified Mail Receipt ) 3 ) XXXX ( U.S.P.S. Certified Mail Receipt ) 4 ) XXXX ( U.S.P.S. Certified Mail Receipt ) 5 ) XXXX ( U.S.P.S. Certified Mail Receipt ) 6 ) XXXX ( U.S.P.S. Certified Mail Receipt ) 7 ) XXXX ( U.S.P.S. Certified Mail Receipt ) ISSUE No. 2 : Equifax has completed deleted my credit history!!! 

Today, XXXX, I logged into my Equifax online account only to discover that Equifax has deleted my entire credit profile. The online Summary states, " Credit File States : No Indicator on file ; Average Account Age : 0 Year, 0 Month ; Length of Credit History : 0 Year, ) Month. '' THIS IS NOT ACCURATE!!! I have had active credit account, reporting to Equifax for greater than 20 years. 

This same report also has an outdated address, which was previously corrected in XXXX. 

I attempted to dispute this error online and Equifax would not allow the dispute. I was also not able to reach Equifax via phone due to excessively long hold times.
Consumer complaint received 2022-03-22
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)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 purpose.
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

XX/XX/2018 - purchased timeshare under predatory standards. XXXX XXXX XXXX issued credit cards via Bank of America immediately. Currently paid agency to terminate our Timeshare but we still have the balance with Bank of America that we would like forgiven due to the circumstances. We have 2 cards issued to us. XXXX and XXXX XXXX
Consumer complaint received 2021-03-17
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CA)

US Bank is still reporting me as having made late payments in XXXX and XX/XX/2018. I lived in XXXX XXXX at the time when wildfires cut off cell phone and internet access. Also, US Bank at that time did not allow me to make automatic payments from my account. I respectfully request that they remove these reports of delinquent payments as they were caused by a wide scale natural disaster.
Consumer complaint received 2021-03-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (NJ)

On XX/XX/2021 I sent {$21000.00} from my XXXX checking account to XXXX XXXX to be credited to my Binance.US account. The money was never credited to the Binance.US account or returned to my XXXX account. Binance customer service acknowledged on XX/XX/2021 receiving the funds but has yet to resolve the issue. Binance customer service is unresponsive.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (GA)

Several billing errors in the Truth-in-Lending disclosures section of the " XXXX XXXX XXXX and XXXX XXXX '. The Number of payments as well as the amount of payments seems to be inaccurate on the Payment Schedule, 16 CFR 433,1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure is defined as : " A cash advance which is received in return for a " finance charge '' within the meaning of the truth in lending act and regulation 2, which is applied, in whole or substantial part, to purchase of goods or services from a seller who ( 1 ) refers consumes to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. '' Under regulation Z also known as truth-in lending the itemization of payments should mirror the finance charge amount as it is " the dollar amount the credit will cost me. '' The next billing error is the " down payment on the itemization of amount financed. The XXXX cash payment placed as Down Payment Is in violation ot 7 CFR 1436,10 ( c ) The down payment may not include any trade-in, discount, rebate, credit, deferred payment, post-dated check, or promissory note to the supplier or contractor. The next billing error can be seen on the amount of credit provided to me or on my behalt. There is no authorized representative other than the appointed attorney-in-fact by the consumer to receive any credits on behalf of the consumer, I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principals ( GAAP ). 
These billing errors may be assumed to be a willfully intent on misleading and or deceiving the consumer of the character/ amount of any debt 15 U.S.C . 1692e.

All debt obligations and securities are owed to the United States 18 U.S.C 8. 

I was also told that the lender approved me but they refused to work or give an appropriate lender based on my approval. They denied my bank statements by any FDIC banking institution XXXX. They refused to give me a car based on and age and XXXX. 
They tried to hide the contract requesting the down payment.
Consumer complaint received 2020-03-13
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: Experian Information Solutions Inc. (NC)

On XX/XX/2019 joint mortgage account with XXXX XXXX  was removed from my credit report due to issues with the loan reporting twice. Once as XXXX / XXXX and once as XXXX XXXX. The duplicate loan negatively affected my credit history due to increasing my debt to income ratio. Showing I was paying two loans on time instead of one. Upon contacting XXXX XXXX from the legal department XXXX XXXX, attached is a letter stating " XXXX has no control over the credit reporting bureaus and when they will update the borrower 's information. It can only note that the credit reporting bureaus commonly takes sixty ( 60 ) to ninety ( 90 ) days to update credit reporting, and that XXXX has, in fact, acted dilligently to clarify the borrower 's credit reporting, and has previously explained the time elements of that process. '' Please note that after numerous attempts to have this issue resolved, with the credit bureaus and XXXX, the time frame of 90 days has expired since this issue was first addressed in XX/XX/2019. Your response is misleading, and your business practices are unethical by nature. Attached is also my payment history and dispute of missing account information from the credit bureau. I would like proof this information was submitted in a timely manner. The removal of this loan from my credit report has negatively impacted my credit worthiness by over 30 points.
Consumer complaint received 2022-08-17
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. (PA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX : {$0.00} XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Consumer complaint received 2022-03-22
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I reported unauthorized 2 charges on my card in XX/XX/2022- {$180.00} XXXX XXXX, and an {$80.00} that was recurring. 

Capitol One said they would reduce my balance by the amount of the charges and investigate. They asked that I submit my supporting evidence via an electronic link they sent me that they claimed specifically linked to my complaint. I submitted the evidence, which included receipts. 

I also filed a complaint with the CFPB given I have spent over 20 hours on the phone with Capitol One addressing this matter.

They did not review my material evidence. Instead they closed the case and the CFPB that I never responded and closed the case. They they added the charges to my balance, which made my balance over the limit and reflected a 130 % usage.

This in turn caused my credit score to drop XXXX points. The decreased credit score led to the bank denying my loan application.

I have resubmitted the evidence and spent an additional 4 hours on the phone with Capitol One. They still have not removed these charges from my balance and have assessed additional over the limit and other fees to my account.
Consumer complaint received 2020-03-13
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: EQUIFAX, INC. (NC)

On XX/XX/2019 joint mortgage account with XXXX XXXX   was removed from my credit report due to issues with the loan reporting twice. Once as XXXX / XXXX and once as XXXX XXXX  The duplicate loan negatively affected my credit history due to increasing my debt to income ratio. Showing I was paying two loans on time instead of one. Upon contacting XXXX XXXX from the legal department of XXXX, attached is a letter stating " XXXX has no control over the credit reporting bureaus and when they will update the borrower 's information. It can only note that the credit reporting bureaus commonly takes sixty ( 60 ) to ninety ( 90 XXXX days to update credit reporting, and that XXXX has, in fact, acted dilligently to clarify the borrower 's credit reporting, and has previously explained the time elements of that process. '' Please note that after numerous attempts to have this issue resolved, with the credit bureaus and XXXX, the time frame of 90 days has expired since this issue was first addressed in XX/XX/2019. Your response is misleading, and your business practices are unethical by nature. Attached is also my payment history and dispute of missing account information from the credit bureau. I would like proof this information was submitted in a timely manner. The removal of this loan from my credit report has negatively impacted my credit worthiness by over 30 points.
Consumer complaint received 2021-03-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (NC)

Received a notice from Medical Revenue Service dated XXXX, received received XXXX for an {$140.00} medical bill balance, was advised in letter to dispute contact office in 30 days. I sent Medical Revenue Service a certified letter that was delivered XX/XX/XXXX, asking them to validate the debt. I was notified XX/XX/XXXX, the {$140.00} debt had been placed in collections on my XXXX  credit report, under a different company name XXXX XXXX XXXX.I have never received any information Not only did this company not validate the debt they also, didn't allow me time to even pay once the validated. And reported under a different company name that I as the consumer was unfamiliar with
Consumer complaint received 2022-12-31
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)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX  XXXX Balance - ; XXXX XXXX XXXX Balance {$500.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$730.00} ; XXXX XXXX XXXX XXXX {$9000.00} ; XXXX, XXXX XXXX XXXX {$1300.00} ; XXXX XXXX XXXX XXXX XXXX {$9000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I reviewed my credit report on XX/XX/XXXX and I noticed some incorrect inquiries and not accurate. and according to the fair credit act whenever a consumer reporting agency prepares a consumer report it shall follow the reasonable laws and procedures required to assure the maximum accuracy of the information concerning the specific individual about whom the report relates. These inquiries and/or accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and according to 15 USC 1681s-2 A person shall not furnish any information relating a consumer reporting agency if the person knows or has reasonable cause that the information is inaccurate.

check the attachments below
Consumer complaint received 2020-03-13
Product: Credit card or prepaid card — Store credit 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. (KS)

On XX/XX/XXXX I purchased a XXXX dishwasher at Home Depot. It was charged on a Home Depot credit card. It was delivered and installed on XX/XX/XXXX by either Home Depot or XXXX authorized professionals. I called XXXX XXXX in the first part of XXXX. I told them the dishwasher had drainage issues and drying issues. I also had to give them the model and serial number. I was told an account would be created. I was told that the drying issue would be solved by using a drying agent like XXXX XXXX. She advised me she would send an appliance technician out for the drainage issue. 
A few days later an appliance technician showed up. He didn't bring in any tools or paperwork, just himself. He was alone. I explained the drainage and drying issues. He again said the drying issues would be solved by using a drying agent. He then explained that the heater in the dishwasher only heated the water nothing else. He then went outside and brought in an XXXX. He shows me the XXXX. I didn't read anything about the drying issue. He said we had to turn on the hot water supply before using the dishwasher. That would help the drying process. At that time there was standing water in the dishwasher. He pushed a couple of buttons and the dishwasher drained. My friend walked out of the other room and asked if the dishwasher was fixed. The technician replied nothing is wrong with the dishwasher. A few days later we used the dishwasher and it didn't drain. There were items in the dishwasher that were molded and there was standing water. 
On XX/XX/XXXX, I called Home Depot and told them the dishwasher was defective and I wanted to return it. I was told by Home Depot it was not returnable and not their problem. 
I called XXXX and told them there was standing water in the dishwasher. I told them it had molded items in the dishwasher. I was asked for the serial number. I told them I already had an account and they should have that information. She informed me they had sent a technician out and he had fixed the problem. I told her he didn't do anything. He reported to XXXX he had fixed the door latch. I said that's funny he didn't even bring any tools in. I told her items had molded in the dishwasher from it not draining. At this time the conversation was starting to break down. You could tell the representative was getting a bad attitude. I told her it was starting to draw bugs. She replied, YOU VOIDED THE WARRANTY and she hung up. 
On XX/XX/XXXX I contacted CitiBank, Home Depot 's card issuer and disputed the purchase. I was told they would take care of it by getting Home Depot to replace the dishwasher or I would not have to pay. On XX/XX/XXXX, CitiBank generated a letter that said it was a warranty issue not a billing dispute. Please contact XXXX.
Consumer complaint received 2022-12-31
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. (DC)

This is my NUMEROUS 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-17
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. (MI)

On my Experian credit report, there is an amount of {$470.00} owed to XXXX XXXX XXXX XXXX. The original creditor is XXXX XXXX. I have successfully contested this debt with XXXX and XXXX, and gotten it removed from those two credit reports as this debt is not mine, it is for a debt of a school I never attended, and I was in another country at the time this debt originated. It would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections of the FCRA that prohibit deletion.