davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (IN)

I need help dealing with these credit reporting companies, reporting inaccurate information on my credit report, I do not have the resources necessary to send to all credit reporting agencies to change or stop reporting false information, and because of this, I am unable to get my basic needs met, as an XXXX XXXX, what can I do?? - I need them to stop reporting bad addresses and corporations.
Consumer complaint received 2022-02-10
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Cash Link USA, LLC (TX)

On Tuesday, XX/XX/2022, this company contacted my employer 's human resources and they left their phone number and reference number. One of the representatives from my company email me this information on the same day. The information left was the phone number ( XXXX ) XXXX and reference number XXXX. When I called, they never said the name of the company. One the guys " Sorry, forgot the name '' says that I owe CashLink. I was coming from out of town and carrying the luggage upstairs. I called back and ask for a letter to be sent to me which they said that they couldn't. Then I was told that someone is supposed to bring me a letter. I was very confused. They wanted me to verify my social security number which I wouldn't. I called again and said that you are not supposed to contact my employment in which they said that they didn't. I advise them that I wouldn't call this number and have a reference number if they didn't. On Wednesday, XX/XX/2022, I called to get the name of this company which I was given XXXX.
Consumer complaint received 2022-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I had filed filed fraud charges with Bank of America on XXXXXXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. The charges were appeared to be taking out of my account started in XX/XX/XXXX. I had a subscriptions with XXXXXXXX XXXX XXXXXXXX was but had canceled in XX/XX/XXXX because I was relocating to Georgia. The subscription had 2 cars attached to it. One of the vehicles were sold. XXXXXXXX XXXX XXXX XXXX told me if the tag is still on car anyone can reopen the account. I canceled my BOA cards and open an investigation. The returned the charges in XX/XX/XXXX. Now XX/XX/XXXX, I received a letter saying there was no fraud & the fund will be taken out of my account on XX/XX/XXXX. I called BOA XXXX XXXX Department. The XXXX told me since I called prior it will be open & the charges will be stopped. Well on XX/XX/XXXX my account is negative {$170.00}. On XX/XX/XXXX another charge of {$120.00} was taken out my account, now its negative {$240.00}. I called BOA again the rep now tells me tat dept is closed call back tomorrow. I call back XXXX XXXX the XXXX BOA rep tells me I need to write a formal complaint to re open the investigation & it should have been done 3 days prior & faxed in with documentations to investigate. I faxed in complaint XX/XX/XXXX.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to bring to your attention a matter of utmost urgency concerning the presence of fraudulent items on my credit file. Despite my immediate efforts to address this issue, the fraudulent entries persist, posing a severe threat to my financial well-being. 

Given the urgency of this matter, I am requesting the following actions : Immediate and expedited review of the documentation provided in support of the dispute.

Fast-track removal of the fraudulent items from my credit file to prevent further damage to my financial standing. 
Transparent communication outlining the resolution process and the steps taken to address this matter urgently. 
Attached, please find copies of the supporting documentation for your reference during the expedited investigation. I am asking for your assistance to remove these fraudulent items in my credit file : 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 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 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 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 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX XXXX  but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

On XX/XX/2022, A hard inquiry was made on my XXXX account. 

On XX/XX/XXXX I contacted XXXX who gave me an open case number and directed me to file a fraudulent claim with ftc.gov. 

On XX/XX/XXXX I had enough information to contact Bank of America who had issued a cancellation of the card and information to provide to ftc.gov. Bank of America received an online application for credit in the amount of {$7500.00} as an XXXX XXXX XXXX. The account was not associated with my phone number. I was also informed that this fraudulent activity has been happening quite frequently this year. In addition Bank of America requested I contact the United States Postal Service to verify a change of address had not been initiated. 

On XX/XX/2022 I contacted my local postmaster and confirmed that an informed delivery had been requested that I had not initiated. Also the US post office will be monitoring my mail for suspicious activity. 

On XX/XX/2022 I am filing a report through ftc.gov who then forwarded me to CFPB.
Consumer complaint received 2019-12-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I've sent a letter to the credit bureau around XX/XX/XXXX and never received a response. I then sent another letter around XXXX and have yet to get a response. It's as if they are ignoring my requests and violating my FCRA rights by not investigating the inaccurate information on my credit report. This is extremely frustrating and stopping me from pursuing my dreams of home ownership. Why are they doing this to me? I just want them to respond or remove the inaccurate information.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-03-31
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have a bunch of hard inquiries on my credit report, I want these removed as I did not authorize these companies to pull my reports. I have already filed a complaint with the FTC as well.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NM)

as of XX/XX/2022 Experian Credit reporting is showing fraudulent information about back owed child support. I have contacted the State of South Dakota, Wyoming, and Texas and all states show my child support as being paid in full and no delinquent payments are outstanding, nor did late payments take place as Experian is showing. When contacted I was notified that due to how Experian calculated their entries the delinquency will not be removed. This is slander and fraud. Their Fraudulent entries have affected my life due to a negative mark on my credit report. State representative from the South Dakota XXXX XXXX XXXX XXXX XXXX has also verified with me via the phone that she has full knowledge that Experian is falsely displaying delinquencies for individuals even with their records showing different.
Consumer complaint received 2019-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am a victim of identity theft and filed a police report back in XX/XX/XXXX. I have been going back and forth disputing XXXX XXXX and XXXX accounts and the bureaus will not remove the accounts off my credit report which is affecting my score and me being able to move forward. XXXX XXXX is saying I owe them {$20000.00}. This account does not belong to me and I need it removed from my credit report. They removed the accounts from XXXX back in XX/XX/XXXX and reinstated the accounts on XX/XX/XXXX and now will not remove it. The same situation with the XXXX account. They are stating I owe {$22000.00}. Experian deleted the item off my report back on XX/XX/XXXX and reinserted them a couple of months later. Please remove these items from my report immediately.
Consumer complaint received 2016-10-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have had a very difficult time with Bank of America. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Bank of America always seemed to lose my paper work, which I constantly had to re fax. 2015 we a very difficult year for my family. I lost my job, and went on unemployment. My wife was diagnosed with XXXX She was unable to keep her job as well. An unbelievable hardship for our family. I am now back to working full time with XXXX XXXX XXXX My wife now has XXXX income as well. Our family is now over our hardship and wants to keep our home. Bank of America has refused to help us with a modification and is forcing us into a bankruptcy.
Consumer complaint received 2022-10-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

Coinbase has been restricting my account for no reason. I have been trying to make transactions with a bank account that I've always used with my account for years and had no issues. I've had no issues with my account for years, I've made plenty of purchases with my XXXX account for years with no issues what so ever until now. 

I've had multiple transactions denied saying " suspicious activity '' for no reason. I've had multiple requests to verify my identity with photos of my license, for no reason. I've successfully went through and verified everything. I try to add another payment method for my account, and I get asked to verify ID again. 
Then I go to make a purchase and I can not. 

I reach out to support to ask what is going on these last two weeks. They said my account was restricted to not being able to use my debit cards, and refused to provide a reason. 

I have done absolutely nothing wrong or anything. This is completely unjustified and wrong, and should be illegal. Their refusal to help me is absolutely insane for a financial company.
Consumer complaint received 2016-03-11
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Around the first week of XXXX I tried using XXXX of my Bank of America 's credit cards and the transaction was declined. Then I tried using a XXXX Bank of America credit card and that transaction was declined. I called the credit card company customer service line and I got a lady with a XXXX accent. I recorded the conversation. She informed me that my cards were fine. After I told her about the transactions declined, she look into it more and said the accounts were suspended due to late payment. First of all I paid the XXXX account that was late on the same day they so called suspended it. The other account was never late as there was an auto draft on my checking account for its payment. 

I went into the branch on XXXX XXXX in XXXX to get further information the next day. I was informed that my credit cards were closed. They never once sent me any notice they were going to close my accounts. After talking with the rep she called the credit people and ask them to reopen my accounts as they were current. 

Today I when I arrived home, I had XXXX letters declining to reopen my accounts. In XXXX letter they claim they pulled my credit report which I specifically revoked any consent of doing so at the bank. This is a violation of the FCRA. 

I want someone from Bank of America to reopen my accounts and let 's continue to do business. 
The account numbers in reference are XXXX XXXX and XXXX XXXX
Consumer complaint received 2022-10-17
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. (NJ)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was told that I had a late fee for XXXX of 2021, I ask if I could get the fee waived and was told no so with that I ask what was my total balance so that I could pay it and cancel the card, now they are telling me that I put the information in and I am saying that they did, but someone put my account number in wrong, now I have had the account for over twenty years to where I know my account numbers by memory, also they have yet to seen a letter to me saying anything about the mix up and just let the charge double and they also listed it on my credit report, for my credit score is in the XXXX 's, I pay my bills, this is the actions of a person or persons that have found a way to cause other people money and pain.
Consumer complaint received 2022-10-01
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. (TX)

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items from my credit report : Inquiry XXXX  XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-22
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had to parcel 's that set side by side. XXXX XXXX XXXX XXXX, XXXX Co owner of XXXX XXXX, now XXXX, stole my identity, XXXX parcel homestead ( located XXXX. ) ( XXXX ) and submitted a 1st mortgage into XXXX XXXX. Then refinanced that mortgage changing the parcel to my XXXX XXXX parcel and falsifying the address to " XXXX '' XXXX XXXX XXXX XXXX. to hide the " XXXX '' XXXX XXXX 1st mortgage.
Consumer complaint received 2017-03-08
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Dear Sir or Madam : Bank of America continues to erroneously assess late payments and interest charges to may account. As supported by all of the evidence, I paid my balance in full on time ; however, BoA, for unknown reasons, returned at least two payments made by ACH deposit. Finally, weeks later, BoA actually processed an online payment. Despite its numerous mistakes, BoA continues to send threatening letters to me and harass me by telephone and SMS. Please intervene.
Consumer complaint received 2018-05-29
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NY)

I had re-occurring payments scheduled to be taken out from my account every XXXX of the month. Payments have been continuing to be withdrawn from my account, last payment amount was {$260.00} on XX/XX/XXXX. I received a notification on my credit that I am 60+ days delinquent and now I am unable to do anything with my credit. It appears that my application had never gone through for the renewal of the interest rate reduction plan I was on and the same re-occurring payments from my previous plan were being withdrawn from my account which were no longer covering my minimum balance. I never received a call, letter or email stating this up until yesterday XX/XX/XXXX saying that my account needed attention. It turns out that the rest of the balance for each month had been spilling over to the next month since XX/XX/XXXX! I am outraged and now have no idea what to do. My co-signer is unable to obtain financing on a car now and has no car to drive. I have always been diligent with my payments and anytime I had a rough month I would call to make sure the payments were taken out in time before they would report anything negative. Normally I would receive a call from Navient if something was wrong and when I called today, the rep even admitted fault that they never made one phone call since XX/XX/XXXX. Navient has promised to have this resolved by XX/XX/XXXX, but every time I call they say it is still being worked on. Meanwhile, the payments are still being taken out and not covering the minimum payment because they have not fixed it.
Consumer complaint received 2022-06-01
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. (FL)

I recently came back from an XXXX  travel and as I verified my credit report I realized that multiple attempts were made to open credit card accounts under my name hard inquiries were pulled I have spoken to the credit card companies in question I have also frozen my XXXX XXXX credit bureau however no changes have been made.
Consumer complaint received 2019-11-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (VA)

Someone obtained a credit card on my behalf and used it. I have never visited this store and was not even aware about this bank. I reported dispute with the credit bureaus and with the credit issuer as well. Also I had filed a police complaint about this. Credit issuer has closed their investigation and are saying it is a card account opened by me. I never received this credit card, and I had never applied for it. Police complained was filed by me on XX/XX/XXXX with case number XXXX with XXXX  XXXX police. Dispute amount is {$2500.00}. Someone also tried to open other credit cards too with my information like XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Fortunately those credit applications were not approved.