davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022 I deposited a check total {$800.00} to a Bank of America atm. The check was placed on hold and no funds were made available to me. On receipt stated check would be available in 7 business days. Bank of America didnt cash check in fact mailed it back to me because I called them informing them of an incident which required for them to mail it back to me. Matter was resolved on XXXX XXXX, 2022. Bank of America has randomly posted this transaction about 4 times onto my account deducting funds totaling amount they deducted from my account after matter being resolved {$3200.00}. On XX/XX/2022 I wrote a check no XXXX to XXXX XXXX for {$80.00} for auto insurance. I had enough funds to cover this check but instead check was not paid to merchant and my Bank of America checking ma account was at a negative balance of - {$6400.00}. On my Bank of America app transactions are made available for viewing on website they arent posted. Im missing funds from my account and my account is also at a negative balance because of banking errors.
Consumer complaint received 2021-01-05
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. (GA)

I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2021-01-05
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I made a settlement with Kohles so I sent them a check for XXXX dollars. That is what the Kohles lady said to do. I am attaching the front and back of the check to this. 

I did an accord and satisfaction for less than full value but the account still shows a balance on my credit report. it was to be removed but nothing so far.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I want the account removed from my reports at the 3 credit agencies within 72 hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered CPA to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within XXXX hours from all XXXX credit agencies. I also filed a FTC report on this account as this is not my account. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have a lot of days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

On XX/XX/2019 Chapter XXXX Bankruptcy discharge under public records has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting public records Chapter XXXX Bankruptcy discharge filed on XX/XX/XXXX XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of bankruptcy that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS Chapter XXXX Bankruptcy discharge filed on XX/XX/XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EQUIFAX, XXXX AND XXXX IS CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. I have notified the Bankruptcy Court and their response letter is attached stating they do not report information directly to the credit reporting agencies. Therefore, how could you verify this account.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Attempted to file a dispute with Experian for three items. Experian took two not all three claiming a dispute was already filed with them for that item, it wasn't, not by me until today. Called Experian to get information about this bogus prior dispute and they had no information no dispute number no information on resolution. However, on the credit report it shows a prior dispute as resolved but customer unhappy with outcome. I asked XXXX ( CSR ) and he had no information. I filed complaints with FTC and the company but never with any of the credit reporting agencies for XXXX. This is fraudulent. The credit reporting agency is placing bogus disputes from 2015 that I never filed. Placing bogus outcomes on my credit report for a dispute i never filed. Mean while, they refused to process a legitimate dispute filed today by me giving the above rationale that is bogus. Someone is changing my credit reports while doctoring bogus disputes and resolutions. I am under seige with munipulated of my credit profile.
Consumer complaint received 2021-09-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Wilber and Associates, P.C. (CA)

On Thursday XX/XX/XXXX, I get a call from a Collection Company Wilbur Group on my cell at XXXX XXXX from XXXX. The woman said she was from an Attorneys office and she was representing XXXX XXXX to collect a debit in the amount of {$3200.00}. The debit in question, she said, was an overpayment on a claim. 
I responded with, what claim? She said for an auto accident XXXX and XXXX has tried to contact us multiple times. I was not calm at this moment and asked how did XXXX try to contact us! She said by email. I said, when and how many emails? I interrupted her and said, this is illegal. Emails are not legal for the only means of contact. We have been insured with XXXX XXXX for 10 or more years. Our house and our cars are insured with XXXX XXXX. They know how to get ahold of us. They never reached out by mail or by phone. They have all of our contact information, obviously, because you called me on my cell phone today! 
She then proceeded to ask me if my address was still the same. I said yes. She said that we would receive a letter from the Wilbur Group Collection Company. I became a bit upset and said no, send this back to XXXX since they DID NOT try to contact us and show good faith in doing so. I also said that our monthly payments come directly out of our bank account every month for our cars. I also said, that our Impounds for our home our tied to our Mortgage. Why would they only use email to contact us!? When they clearly have all of our other means of contact information. 
I feel this is wrong. I am sending in this complaint because Fair Debt Collection Practices have been broken here. If we had any idea we were mistakenly over paid for a claim in which I was not at fault, we would have definitely contacted them and paid it back. I have nothing in my email or my husbands email showing we received anything. We also do not know when they tried to contact us. Our home phone call log with XXXX shows nothing from XXXX XXXX. Both of our Cell Phone call logs show nothing. We received nothing from XXXX XXXX in the US mail. 
Today, Friday XX/XX/XXXX. I have contacted XXXX XXXX Customer Service at XXXX, a text was sent to me to Contact our Adjuster. I spoke to an automated voice that connected me to XXXX XXXX voicemail, XXXX. There is a recording of my message on her work voicemail. 
I remember way back when I was rear ended XX/XX/XXXX. This adjuster was hard to get ahold of. I pretty much had to do my own leg work for my claim with the other XX/XX/XXXX XXXX which was XXXX. 
Please advise me on what to do here. Isnt there a LAW on Collection Practices? I know working in the HealthCare field we must follow protocol for collecting outstanding debits. What about this? 
Thank you for your time and this is a very time sensitive matter. We are in the process of re-financing our home, and I do not want this terrible business practice of XXXX XXXX to ruin our Credit.
Consumer complaint received 2024-01-30
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 have contested the inaccuracies in the following information with Equifax, XXXX and XXXX and unfortunatley, the issue remains unresolved to this day. 

Equifax 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
5. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-27
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: Experian Information Solutions Inc. (IA)

I recently reviewed a copy of my transition, XXXX and Experian credit report, and it showed in accurate unauthorized inquiries from the companies list below, that I did not authorize they do not belong to me,, I understand that under the fcra section 604 a can not put a hard inquiry on my credit report authorization without my written authorization or consent I wrote changing XXXX and Experian XXXX XXXX and requested for them to remove These in accurate heart inquiries more than 30 days ago and have not received any response or relief. HARD FROM XXXX XXXX, XXXX XXXX XXXX XXXX, Unauthorized inquiries from experience, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, hard on authorize increase from XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

I received an email notification from Citicards customer service XX/XX/XXXX  thanking me for contacting them to update my travel plans and changing my secret passcode. I did not contact CitiCards customer service on XX/XX/ and make these changes so I called CitiCards customer service and told them I had made no travel arrangements, verified my address, and was told a replacement card was sent to an address in XXXX, FL. I let the customer service agent know I did not make this request and no attempt was made to intercept the replacement card request or any additional measures taken to secure my account by CitiCards at this contact. 

I called Citicard customer service on XX/XX/ because I received email notification the replacement card I did not request had been activated. The CitiCard customer service agent I spoke to talked very fast and over me, not accepting any responsibility for the fraudulent activity that occurred on my CitiCard credit card account. The customer service agent on XX/XX/ said she would transfer me to a supervisor because she could not help me resolve my concern and told me a supervisor would call me back in 24 hours. I received no call and no attempt was made to secure my account or card that had been fraudulently mailed to an address in XXXX, FL canceled shut down. 

I logged onto my citibankonline account this AM and noticed {$150.00} charge on the replacement card that fraudulently activated so I called CitiBanks Fraud Dept and was told a replacement card was mailed XXXX to my address and the address in XXXX, FL ( the address I do not live at ). I spoke with a fraud prevention specialist and was told the account ending in XXXX had been shut down a new card was being mailed to me in 5-7 business days. 

I have no confidence in CitiBanks Fraud dept to protect my information or make sure my information is safe. This has cause an undue amount of time and frustration on the phone with a bank credit card company that does not value its customers or care about securing their information.
Consumer complaint received 2022-09-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Hello, after I made the CFPB complaint number XXXX, in retalation I received a letter from Bank of America were they decided close my checking bank account number XXXX without any explanation, I went to an office and the Bank of America worker said that I must take out the money on it before XX/XX/XXXX I tried to requested a reconsideration but she said that it's a final desicion even the claim XXXX is not solve yet, in a few word I'll lose my money, the bank didn't help me to recover it and also they will close my account. I'm very lost here and need help. 
After I made the complaint number XXXX, I received a letter from Bank of America were they decided close my checking bank account without any explanation, I went to an office and the Bank of America worker said that I must take out the money on it before XX/XX/XXXX I tried to requested a reconsideration but she said that it's a final desicion even the claim XXXX is not solve yet, in a few word I'll lose my money, the bank didn't help me to recover it and also they will close my account. I'm very lost here and need help.
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

After at least 15 on-time Autopay payments ( XX/XX/XXXX - XX/XX/XXXX ) in an amount well beyond the minimum, Autopay was disabled without prompting or request by me, despite having no updates to the linked account and having sufficient funds available. This resulted in a reported delinquency by Bank of America to both XX/XX/XXXX and XX/XX/XXXX effectively damaging my credit score by 102 points. Furthermore, Bank of America used this failure in their own system to justify a reduction in available credit for this account, potentially impacting my score and purchasing power additionally. 

Bank of America is unable to explain why Autopay was disabled and has no record of any request to disable it. In addition, Bank of America refuses to provide customer confirmation of issues reported or actions agreed to via phone assistance via email. No issue or reference numbers are provided and associates in this case promise to " escalate '' the issue but provide no definition of what escalation involves and no record of any action take could be produced or referenced in later correspondence. 

I am also not receiving e-statements or payment confirmations from Bank of America as requested. No evidence of Bank of America correspondence in spam/junk folders but they have my correct address as I received their notification regarding a reduction in available credit.
Consumer complaint received 2022-11-01
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX