davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
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. (FL)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-05
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. (MA)

How XXXX  can EQUIFAX be, I have told them about the error on one of the accounts on my credit report and they sent me a document telling me that the creditor verified the account. The XXXX XXXX account with account number XXXX is being reported wrong and I have told them this, EQUIFAX is not willing to fix the error but they wont delete the account either, the open date on this account is different from what XXXX and XXXX are reporting, how can this be happening if this is the same account and the same creditor. According to the FCRA, errors on my credit report must be deleted or corrected, I have never said that this account isnt mine, but I did tell EQUIFAX to investigate because the open date on this account is wrong.
Consumer complaint received 2024-02-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2024, I sent {$4000.00} via XXXX ( XXXX ). I filed a claim with Bank of America and faxed over evidence that I was scam. Bank of America contacted XXXX XXXX. Both acknowledged that there is an account holder who received my money to the XXXX account. My bank clearly agrees its a scam, but the banks refuse to do any to help my any retrieve scammed money from the account holder or give me a valid d reason why my claim has s being denied. They are ignoring the supplied evidence of the fraudulent scam.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/year>, I received a text message stating - Congratulations, your Bank of America credit request was approved. Welcome package and card ( s ) will arrive within 14 days. Reply HELP for help or STOP to stop.

I assumed it was a junk or fishing text, so I ignored it. 2 weeks later I received a credit card in the mail. I immediately called Bank of America customer service to report it as fraudulent. The card had a balance of {$95.00} which was the annual fee. They removed and cancelled the card. I was told I would receive a report in the mail which I never received. I also asked for a copy of the application, but they transferred me to another department and the call was dropped. 

The credit card was an XXXX XXXXXXXX XXXX On XX/XX/year> ( today ) - I received a 2nd text message : Congratulations, your Bank of America credit request was approved. Welcome package and card ( s ) will arrive within 14 days. Reply HELP for help or STOP to stop. 

I immediately called to report it and found out that a 2nd card had been applied for in my name. It was a XXXX XXXX XXXX XXXX also issued by Bank of America. I went through the same process of cancelling the card. This time they told me that they would send a fraud report within 10 days and that I would receive a copy of the application. 

I did not apply for either card and never filled out an application. My credit report/score dropped XXXX points from the first attempt and Im concerned the 2nd will further negatively affect my credit. I have placed a freeze on all three credit buereau websites.
Consumer complaint received 2020-03-26
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: FC HoldCo LLC (NY)

On or about XX/XX/2020 i was searching internet to check rates on auto refinancing checked XXXX XXXX XXXX they asked to put basic info and last 4 digits of social security i did not apply for credit just checking to my surprise there was a hard credit inquiry on my credit score profile from Flagship Credit please help Thank You.
Consumer complaint received 2020-04-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (CA)

This is for complaimt number XXXX. I didnt know how to reply to the complaint recieved. It saw ays that the company is in progress as of XX/XX/2020. And that they are still working in my issue. I will attach the company 's reply to my message.
Consumer complaint received 2020-04-05
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. (IL)

Account was listed by Experian to be closed this month XXXX. Account is not closed but date was changed from XXXX to XXXX. Account has incorrect data and should be removed from my credit report.
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

The credit bureaus are reporting incorrect information on my account. They are reporting a XX/XX/19 late on XXXX XXXX. I have never been late and they need remove/fix the account.
Consumer complaint received 2021-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC. (CA)

I was a with XXXX - CARD SERVICE customer since XXXX and during that time, I have enjoyed my experience greatly. I paid and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results I have late payments on the above referenced account XXXX XX/XX/XXXX, XX/XX/XXXX XXXX. Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2020-03-26
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. (UT)

The credit bureaus are reporting incorrect information on my account. They are reporting a XX/XX/19 late on XXXX XXXX. I have never been late and they need remove/fix the account.
Consumer complaint received 2023-04-18
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2020-03-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

I have applied for a 15 year mortgage with Chase. The application was submitted to Chase on XX/XX/20. Four days later, I called and spoke with a Representative XXXX. He apologized that the application had not been processed yet and stated they had an overwhelming response and would get my request processed and be back with me within a few days. It is now 20 days later. No progress has been made on my request to refinance. No request for additional documentation. It is my understanding that Chase is required to determine an approval or denial and inform me in writing. Since I spoke with XXXX, there has not been any communication at all. I have tried to call but their phone keep me on hold for about 25 minutes, then hang up on me.
Consumer complaint received 2020-03-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Remitly, Inc. (DC)

Remitly has never completed a transfer to XXXX. They claim that their partner, XXXX XXXX needs to provide a clearance. I obtained all required clearances from XXXX XXXX and they say that there is no issues on their side ( have emails to prove it ). Banks in XXXX tell me that they do not work with Remitly or XXXX XXXX. However, Remitly promises on their site that they can transfer to any Bank in XXXX in 3 days. The last issue I had was on the XXXX of XXXX when I sent three transfers totaling XXXX US. They never arrived. I had to cancel the transfers after a weeks of being in pending status. They took 10 days to put the money back into my account. Then they asked me to try again. On XX/XX/XXXX I tried again. We had the same back and forth with Remitly claiming that the hold-up was with XXXX XXXX in XXXX. XXXX XXXX tell me that all is ok for the funds to be transferred. the money has been with Remitly since XX/XX/XXXX. The transfers were cancelled again and I was notified that the money will be in my account in 10 days. 

Remitly know that they can't complete the transfer and they keep inviting people to place transfer with them. Once you are stuck with them, they keep the remittance funds and only return them 15 days later. 

Their scam is to get people 's money and claim that their partner has issues to delay the funds with them and use the while they distract the user with excuses, they use the money and then return it without interest two or three weeks later, depends on how long the manage to keep users waiting before they cancel their transfers.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (AK)

I closed my Comenity Bank XXXXXXXX XXXX XXXX card in XX/XX/XXXX. 

Due to my account being enrolled in account assurance after my account was closed, a charge was made to my card for {$1.00}. 

Comenity Bank continues to harass me, claiming I owe them money on an account that has been closed for over a year. This account has been paid off multiple times ; however, I continue receiving harassing phone calls and emails stating that I owe them additional monies. 

This account was paid its full balance of {$65.00} on XX/XX/XXXX in an effort to resolve the matter, even though I disagreed with being continually harassed and charged fees on an account that was closed. I wanted to put this matter to bed, and yet here I am today with a {$78.00} balance, yet again, on an account that was CLOSED in XXXX. 

I will not pay another single solitary cent to these XXXX. There is no reason I should be harassed and continuously receive bills on a closed account. I want a refund of all monies I paid AFTER the account was closed in XXXX. I demand a refund as Comenity Bank is a bunch of XXXX  with illegal practices.
Consumer complaint received 2020-04-05
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. (TX)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION within my Transunion credit report, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY THE REPORTING OF ANYI UNDERSTAND THAT NO ENTITY IS AUTHORIZED TO RETAIN REPORT TRANSFER SELL USE OR ELSEWISE ANY PHYSICALLY UNCONFIRMED DATA AND IVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.IT CANT BE PROVEN IVE EVER RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED POSSIBILITIES OF MISREPORTING OR MISINFORMATION. PLEASE PHYSICALLY CERTIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, BALANCES, CALCULATIONS, AUDITS, AND EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MD)

Experian is extorting me to access my credit reports and attempting to charge {$24.00} month while also fraudulently reporting my score. 

They also did not meet the terms and conditions of the Identity Theft Protection, and never corrected my score due to misreporting of my credit history and score.
Consumer complaint received 2019-12-19
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: TD BANK US HOLDING COMPANY (FL)

i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. i must have been the victim in a cyber hack or identity theft.

these non-account holding inquires with : XXXX XXXX  card, XXXX XXXX XXXX td bank/targetc, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX- XXXX XXXX-XXXX XXXX XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.
Consumer complaint received 2022-12-29
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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
Consumer complaint received 2020-03-26
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX XXXX {$300.00} US DEP ED XXXX {$23000.00} XXXX XXXX  XXXX {$1000.00} US DEP ED XXXXXXXX {$1700.00} XXXX/XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX  XXXX {$520.00} XXXX   XXXX {$0.00} XXXX/XXXX  XXXX {$510.00} XXXX/XXXX  XXXX {$840.00} XXXX   XXXX  XXXX {$65.00} XXXX XXXX {$0.00}
Consumer complaint received 2024-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

On XX/XX/year>, I received an email stating that my consumer report scores had decreased. I went into my fico profile and discovered that there had been a collection added to my XXXX, XXXX, and XXXX. I immediately disputed the collection account being that it isnt my account and I believe that someone has used my identity.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NC)

Experian US changed my membership that was free to an upgraded membership that charged {$24.00} per month without my request or consent. Luckily the monies were not disbursed on the occasions that Experian Credit Report attempted to collect XX/XX/2024 and XX/XX/2024. There is no way to opt out of this membership without calling a phone number where you are asked for your SS number and then transferred to an operator that is working outside of the United States where they then ask you again for your SS #, full name and date of birth. They then try to persuade you by promoting what they do and what you are risking by not keeping the membership upgrade that they took upon themselves to change. This had to be repeated to me at least 4 times because I could not understand what the young lady was saying to me and my hearing is great, I am a recent just turned XXXX XXXX XXXX XXXX. They did not deny that they took it upon themselves to upgrade and [ attempt to ] charge me for the new membership the female only stated that they were unsuccessful at collecting the monies on XXXX separate occasions. I should not have to have this huge of a concern for credit bureau as large as Experian taking money from me without my permission or request for a membership upgrade and then I have to search for a phone number to call them and there is no one available on the weekends to speak to about this issue.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (TX)

I am writing to a file a complaint regarding charge-offs listed on my credit report. These charge offs should be removed from my credit report and any associated negative impact on my credit report. XXXX XXXX XXXX  XXXX the account was closed on XX/XX/XXXX the debt is {$4000.00} and was charged off as a bad debt and canceled by credit grantor, XXXX XXXX XXXX XXXX closed on XXXX XXXX charged off as a bad debt and canceled by credit grantor, the debt is {$2500.00}, Navy Federal Credit Union closed XX/XX/XXXX charged off as a bad debt Profit and loss write off the debt {$14000.00}, Navy Federal Credit Union closed XX/XX/XXXX canceled by credit grantor, the debt is XXXX. I was not provided with a form XXXX for the canceled debt, which is mandatory under IRS regulations XXXX This further complicates the situation and highlights the need for a thorough investigation into the accuracy of the reported charge-offs. I am seeking the removal of the charge-offs and any associated negative impact on my credit score.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A. (NM)

In accordance with the fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy. ( 15 USC 1681 ( section 604 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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 2022-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any account not later than 4 business days after the receipt. Also, the information provided on some account are UNKNOWN to me and I have doubts about their accuracy. PLEASE DELETE this FRAUDULENT ACCOUNT. 
XXXX XXXX XXXX : {$0.00}.