davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Multiple fraudulent Bank of America inquiries on my credit report I have never applied for a Bank of America checking account. Ever. 

XX/XX/XXXX Received notification from XXXX XXXX XXXX Bank of America declined to open a bank account on my behalf because of information XXXX XXXX XXXX provided. I called XXXX XXXX XXXX and advised they were violating my rights and providing unauthorized information. The agent responded they were contacted. And again explained I never gave them permission to access my information. Then I called Bank of America and they acknowledged someone tried to open an account but they blocked it. I again explained the inquiry was fraudulent and not made by me. That did not invoke any further action. 
Now it is XX/XX/XXXX and again received notification of a Bank of America hard inquiry on my credit report. Fraudulent application. I have never applied for a bank account with Bank of America.
Consumer complaint received 2019-12-29
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: DISCOVER BANK (CA)

I encountered a fraud w.r.t. HVAC installation using Discover credit card to pay {$2300.00} on XXXX, but Discover determined it's a valid transaction and didn't give me a refund. 

I paid the merchant XXXX XXXX XXXX XX/XX/2020, for the installation on XX/XX/2020, and I contacted Discover to reverse the transaction on XX/XX/2020 as soon as I realized it's a fraud. 

The installation team on XXXX claimed that they didn't receive any payment from the merchant, and threatened me that they would pause the installation and leave all the parts in my house if I couldn't pay them on the spot. I had no choice but paid a separate check to them. The merchant told me he had an emergency and didn't reply until I asked Discover to withhold the transaction.

I submitted a dispute with Discover afterwards ( case number : XXXX ), but after a few months, Discover said my payment was a valid transaction because both the merchant and I have signed the contract for the payment, which means I authorized the payment. However, they didn't care whether it's a fraud or not.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Since last year I am trying to correct and delete this repossesion from XXXX XXXX Because is to many inaccuracies been reported by XXXX and XXXX first XXXX XXXX report a balance of XXXX then in a second letter they are reporting to XXXX and XXXX another differnt balance of XXXX and the problem is that if this a charge off both XXXX and XXXX must report a XXXX balance. Trans union is reporting this same account as charge off with a XXXX Balance
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The credit card company charged me an annual fee and I was not alerted to it and it caused my account to go 30 days late. The card had a XXXX balance on it and I had not been using it. They charged a late fee, and interest charges for a {$19.00} annual fee. The fees have been removed but my credit score dropped XXXX points because they still are showing me as 30 days late. I never even used the card and Im asking for them to please remove the delinquent marking in my credit report.
Consumer complaint received 2019-12-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Acceptance, LLC (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2022-10-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (AL)

I had open accounts and they accused me a red flag had got all my information and open my account when I got ready to deposit money in the account it was closed and they charge me all type of fee I dont know wat wrong with this company getting people money and business and still treat us like animal and take money money we dont no about and closed accounts without our permission
Consumer complaint received 2019-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. Auto Sales Inc. (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-10-01
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. (AL)

XXXX XXXX XXXX has violated my rights. This account originated with XXXX and for privacy purposes the acct number XXXX was opened XX/XX/2021 XXXX
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2022 i sent the Consumer reporting Agency TransUnion and certified Letter TRACKING # XXXX with green return receipt. 

Letting TransUnion know, in accordance with the FAIR CREDIT REPORTING ACT, 15 U.S.C 1681c Section 605 reporting periods only run 7 or 10 years depending on the type of information. in my case, the information in question is OUTDATED and EXPIRED and needs to be deleted from my consumer report. 

Account name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently checked my credit reports and I found out billing errors. The involved Bureau clearly violated the United States Code Law 15 U.S. Code 1681e ( b ) - Compliance procedures for maximum possible accuracy.
Consumer complaint received 2023-03-01
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. (SC)

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. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 : Also states a consumer reporting agency can not furnish an 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 2019-12-29
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. (NY)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}, {$300.00}, {$1100.00}, {$160.00}, {$550.00}, {$900.00}, {$1100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

4. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.
Consumer complaint received 2023-02-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (CA)

I was informed to reach out. had a loan that I paid off for my XXXX XXXX that I purchased in XXXX when I got back from my tour in XXXX. The loan was from Wells Fargo Dealer Services. I recently read an article that they are paying people back who had auto loans between the years XXXX - XXXX for increasing interest rates and various other reasons. I wanted to see if I was eligible for any return or payment when I had my loan and paid it off. 
XXXX XXXX XXXX I am trying to get ahold of XXXX XXXXXXXX XXXX. the Escalation Associate for the XXXX  Complaints Management Office XXXX I called her number and extension at XXXX ext. XXXX. 

She is helping me with Case Number : XXXX I filed with the Consumer Financial Protection Bureau. She said she couldn't find my auto loan account that I had paid off. 

My loan was under my name : XXXX XXXX XXXX Account Number XXXX Could you please help me get this message sent over to her? I appreciate your help. 

Thank you,
Consumer complaint received 2022-09-02
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 (TX)

Called Bank of America customer service for over 6 months about monthly fee being charged on my business checking even though linked business brokerage account had sufficient funds to waive fee of {$16.00}. this is happening with several of my business accounts. Customer service said she is not waiving the fee and said the manager will not waive the fee. I summised their website states the fee is waived if at least {$5000.00} average is maintained in the checking account or linked investment account, I upheld my side, they have sqaundered theirs. Numerous escalation attempts at management failed to have a call back nor a resolution. I have spent over 20 hours of phone time over 6 months with no resolution of this matter. Just today, after numerous calls, I finally had the fee waived by another call center however they said the computer has flagged me as no more fee waivers even though it was the banks error over the last 6 months. The bottom line is bank of americaXXXX XXXX associates and managers don't know the products and services they are selling to avoid the monthly fees correctly.
Consumer complaint received 2023-02-09
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-01-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (AZ)

In late XX/XX/2021 I had fallen behind in monthly bills and was seeking some relief. I went to what I thought was a direct-contact website where I would apply for a loan directly with a lender. Turns out I entered my information into a clearinghouse site and received several XXXX emails in the space of a few hours. Mountain Summit Financial was one of those respondents and I clicked on their page to apply. I was shunted through what appeared to be a VPN type system, hitting several redirects before coming to a final page where all I had to do was verify my information and the loan amount would be disbursed. I do NOT recall signing a loan with SIX HUNDRED NINETY PERCENT INTEREST, nor would I have knowingly signed such terms. 

They were removing more than {$270.00}. every XXXX weeks, but now my bank account is frozen due to fraud that I no doubt incurred as a result of that original clearinghouse site. After removing the payment a number of times ( 4 payments would have repaid the {$1000.00}. principal and given XXXX more than {$92.00}. in interest ) I thought the debt would have been repaid, but the fifth payment came out and I started calling. Six times I called between XXXX and this week. One time i got through and I was told the XXXX financial instruments are " non-negotiable beyond original disbursement of funds. '' Following these calls, I noticed that the clearinghouse site added some fine print stating that loans originating from tribal financial services may have high-interest terms. This is a XXXX XXXX doing this, and if they are knowingly doing this to people, the whole shebang ought be shut down. 

As you can imagine, I can not afford to be saddled with a debt like this for five years. I am recently divorced and XXXX and I have a mountain of debt following my ex-husband wringing me out and setting me off to dry. I don't even have access to my bank account, partially as a result of this payday loan, and the website that I accessed their services through. Please help.
Consumer complaint received 2023-02-11
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. (AL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and update in my credit file. : XXXX XXXX XXXX : {$21000.00}.
Consumer complaint received 2023-02-28
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: PNC Bank N.A. (OR)

I received a vehicle total loss & was sent a check for my vehicle. But the check was cashed at PNC Bank by a different party & since the middle of XXXX of 2022 I have been waiting for a response but havent gotten anything or at least any information on who cashed the check & what 2 forms of ID the person showed. 
The bank doesnt want to speak with me & only tell the insurance who sent the check that they are still investigating
Consumer complaint received 2024-03-11
Product: Credit reporting 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 XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States I have rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2022-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent account which does not belong to me STILL reposting on my file in Transunion. The other bureaus have already DELETED this fraudulent information so my question is why do you still report this damaging record? I have already disputed this account several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting this account. Additionally, I contacted the bank and they told me they would delete the account from my file BUT TransUnion has some internal block that they're claiming they can use to not block the account because they feel they're above the law. I asked them why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE this account from my file like the other bureaus have done. 

XXXX XXXX XXXX  XXXX ....
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Good Afternoon. My name is XXXX XXXX XXXX XXXX I am submitting this complaint because I have called Experian XXXX times about my name showing up incorrectly on my credit report. Also, I just logged in and saw that they have my date of birth as XXXX. That is incorrect. My date of birth is XX/XX/XXXX. I have tried to get it corrected. Every rep that I speak with acts clueless as if they don't know what is going on. My mortgage lender is trying to pull my credit. She has never had an issue. Now she is having an issue. I have several cards with my hyphenated last name and I don't have an issue. I don't understand the issue nor do I understand my date of birth being off XXXX years. It shouldn't been an issue with me speaking with anyone to rectify this. 

Also, this is XXXX XXXX XXXX submitting this complaint. Not anyone else.