davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I filed a fraud dispute claim XXXX with Bank of America on XX/XX/2022 for 3 transactions ( XXXX XXXX and XXXX XXXX XXXX restaurant on XX/XX/XXXX and XXXX gas station XX/XX/XXXX ) with total around {$9500.00}. Please see the attached for the exact amount. I called Bank of America on Friday XX/XX/XXXX at XXXX time to close the replace the current credit card which I was still having on my hand at that moment and reported the fraud of the first 2 transactions, also told them that I received an email from Bank of America on XX/XX/XXXX that my credit card will be shipped via Next day Air shipping to my address ; however, I explained to them on XX/XX/XXXX morning I received an email from XXXX with tracking number and said delivered but I did not received or was handed any card. Moreover, I received an email that saying my credit line increased request was approved which I had never done so. I questioned Bank of America why that happened and if their system was hacked and they denied to explain all of those for me saying that would be for internal investigation. I even did not received any call or text from Bank of America to authorize such a big amount of the transactions. They told me that they will file a fraud claim for me. One week later, I did see the adjustments on my credit card account. However, on XX/XX/2022, I received an email said that my fraud dispute claim was denied because : the physical card or the chip was read/sign. Bank of America deposited the charge again into my account. I called them back and asked them transfer me to a supervisor or anyone in the investigation team that is handling my case and was denied all. I asked them why the investigation team did not check the video footages or ask to see the signature as well as customer information of the store. Why did They just deny the claim by deciding basing on a physical card was read. Again, I still had my credit card at that time. The claim representative just took some note and re-opened the claim on XX/XX/2022. No email or phone call followed up back to me.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Omni Financial Corp. (VA)

I had an account with Southeast Toyota Finance and it is reporting as late for XX/XX/2021 it should not be in my credit report due to age. I also have a late payment from the department of education for XX/XX/2021 that is showing late when I have been paying on time. That account is also from 7 years ago and should not be on my credit report.
Consumer complaint received 2023-04-10
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. (TX)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax has failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX
Consumer complaint received 2020-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority (NC)

I applied for forbearance while I was on furlough  XXXX thru XX/XX/XXXX. Even though I was under a forbearance the ServiSolutions continued to call to say that I was in breach of contract and defaulted on my loan. It got to the point that I pulled money out of my savings account to make the back payments. 


When I called in XXXX to ask about the statements showing I was behind on my payments, the customer service rep told me to not worry about the statements. The statements are not correct since I'm in a forbearance. So I trusted her and I ignored the statements and started making my payments at {$940.00} per month. Now, I find out that ServiSolutions or Alabama Housing Authority has been applying my payments to the previous month 's statement and not the current month and they are charging me a late fee for not paying XXXX! Im also sure they will ding my credit report with a late payment! 


I have worked very hard to have achieved my XXXX credit score and I do not intend to have them ruin it with their sneaky practices. 


I just got off the phone with another customer service rep at ServiSolutions and she was not willing to help. She simply said that this should have been explained when I took out the forbearance and that the late fee was because I had not paid XXXX 's payment. I did pay XXXX 's Payment! 


Ive listed my payments for the last 12 months below. 


XX/XX/XXXX2020 BILL  PAY ServiSolutions ON XXXX {$940.00} XX/XX/XXXXXXXX  BILL  PAY ServiSolutions ON XXXX {$940.00} XX/XX/XXXX BILL PAY ServiSolutions ON-LINE ON XXXX {$2000.00} XX/XX/XXXX BILL PAY ServiSolutions MOBILE ON XXXX {$1000.00} XX/XX/XXXX BILL PAY ServiSolutions RECURRING ON XXXX {$920.00} XX/XX/XXXX BILL PAY ServiSolutions RECURRING ON XXXX {$920.00} XX/XX/XXXX BILL PAY ServiSolutions RECURRING ON XXXX {$920.00} XX/XX/XXXX BILL PAY ServiSolutions RECURRING ON XXXX {$920.00} XX/XX/XXXX BILL PAY ServiSolutions RECURRING ON XXXX {$920.00} XX/XX/XXXX BILL PAY ServiSolutions RECURRING ON XXXX {$920.00}
Consumer complaint received 2020-09-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (TN)

I NOTICE A ALLEGED DEBT FROM PHOENIX FINANCIAL SERVICE FOR THE AMOUNT OF XXXX $ THAT I DON'T OWE ON XXXX HAVEN'T HEARD FROM THEM OR RECIEVED ANY INFORMATION THAT I REQUESTED.I HAVE ATTACHED A COPY OF THE LETTER BELOW.
Consumer complaint received 2019-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hayt Hayt & Landau, P.L. (FL) (FL)

I received letter shipped by standard mail, dated XX/XX/2019. Letter is from Hyat, Hyat and Landau,  XXXX, stating that they are attorneys for XXXX XXXX XXXX. Such firm is stating that they are trying to collect a balance of XXXX owed originally to XXXX XXXX, XXXX. 
The letter states that unless I dispute the validity of the debtwithin 30 days after its receipt, it will be assumed that the debt is valid. 

Collection Agency : Hyat, Hyat & Landau, P.L. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Fl 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: EQUIFAX, INC. (NC)

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 2020-09-25
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. (GA)

I submitted a dispute letter to Experian signed and post dated XXXX requesting that Experian investigate and remove two ( 2 ) inaccurate items reporting negatively on my Experian Credit report. Within this correspondence I cited the Fair Credit Reporting Act, Section 607, requesting that they ensure maximum accuracy of the information contained in my credit report. 
As of XXXX I had not received any acknowledgment or update on my dispute and the inaccurate negative items remain on my credit profile. On the aforementioned date I also sign and mailed an additional letter post dated XX/XX/2020, requesting the validation of the debt listed on my credit report Under the Fair Debt Collections Practices Act ( FDCPA ). In this correspondence I too noted that Experian had not completed an investigation within the 30-day time frame as required by law and demanded that they delete all disputed items from my credit report.
Consumer complaint received 2018-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (TX)

I have had my account frozen for a week. I am unable to withdraw, send, or exchange currencies on coinbase. 

I have emailed and called the company several times including the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,. Several emails and phone calls. The response it always your case has been escalated but the account remains frozen. 

They have over 10k dollars of my currency frozen on their site. 

We have made several plans to settle the balance and unfreeze the account. I need to access my funds.
Consumer complaint received 2022-02-02
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: Experian Information Solutions Inc. (NY)

On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-02-02
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. (PA)

XXXX XXXX {$0.00} XXXX  XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Consumer complaint received 2019-06-26
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. (CO)

I have submitted MULTIPLE disputes and information IS STILL INACCURATE. they are reporting higher balances than they are and reporting inaccurate after it's resolved. XXXX  XXXX sent check for {$670.00} is not balance of XXXX and was paid off by bank 3 wks ago. XXXX  XXXX was paid off even though it is still in dispute for XXXX.. I HAVE NEVER HAD A BALANCE EVER FOR XXXX  XXXX FOR XXXX!! MY CREDIT ALLOTTED BALANCE IS XXXX AND XXXX ON 2 CARD. I HAVE NEVER BEEN AT A BALANCE OF XXXX EVER IN 4 YEARS BEING WITH THEM
Consumer complaint received 2019-06-26
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: EQUIFAX, INC. (TX)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to .... promptly delete all information which cannnot be verified. that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2019-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

hello, we had a business checking account with US bank. Back on XX/XX/2018, we found out that 5 of our checks had been stolen from the post office and were altered and cashed/deposited in someone elses name, other than the intended party. The amount totaled {$22000.00}. We contacted US bank to let them know and ask why they had approved these checks to be paid out to XXXX  XXXX XXXX, when you can VERY CLEARLY see these checks had been altered. They said it was very obvious fraud and they do not understand why they cashed these checks when it is very very very obvious these checks were altered, ( check images attached, you can clearly see someone used white out to change the name, the line where the name goes isn't even in tact ) which leads us to believe, someone at one of the banks was in on this scam. US bank   said they will open an investigation and get our funds back from XXXX XXXX XXXX. After almost 1 and a half years of getting the run around from US bank, they finally told me XXXX XXXX XXXX is not responding back to them about returning the funds so there is nothing US bank can do for me. They want me to eat the almost {$23000.00} loss because of something they did wrong. We did ABSOLUTELY nothing wrong, the banks need to examine the checks before giving the " OK '' to be cashed. US bank failed to ensure the checks are legit, before cashing them, so therefore they are responsible for the checks, not the customer!

We demand US bank sends us the funds in the amount of {$22000.00} due to their negligence.
Consumer complaint received 2019-03-20
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. (IN)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2023-07-01
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. (PA)

CAREFULLY READ ALL ATTACHEMENTS. PROPER IDENTIFICATION IS ATTACHED. I kindly request the removal of the " collection '' status from my payment history on the accounts mentioned in my letter due to the consumer reporting agencies violating the FCRA of the United States Code.
Consumer complaint received 2019-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX XXXX sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts. 


This is an updated version of the FTC theft report, as I have found a new account that is fraudulent and was not opened by me. XXXX XXXX {$3700.00}.
Consumer complaint received 2018-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants Adjustment Service, Inc. (FL)

" XXXX XXXX '' Date Opened : XX/XX/XXXX.Original Creditor : " XXXX ''. And " Merchants Adjustment Service '' Date Opened : in XX/XX/XXXX. I've Filed a FTC report of Identity Theft Report and sent it to all three bureaus. XXXX XXXX Or Merchants Adjustment Service Has not Validated This Acct with A signature or legal contract of acct being mine. XXXX XXXX has Deleted them items after my report and not validation. But XXXX said the acct will stay on record until XX/XX/XXXX. So I'm sending out another Validation Request and filing a complaint with the CFPB as well.
Consumer complaint received 2023-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXX 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
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: Experian Information Solutions Inc. (VA)

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 2022-10-17
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: EQUIFAX, INC. (TX)

This is XXXX XXXX summitting this CFPB complaint requesting to the Credit Reporting Agencies to please reinvestigate the erroneous accounts reporting on my Credit File. I am submitting this CFPB complaint to you today in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting for the complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1300.00} Date Opened : XX/XX/2021 - This is a formal request for an investigation of this account 's comments, account type, payment history, and account name. There is a possibility that this information may be inaccurate. This must be corrected immediately. 
XXXX XXXX XXXXXXXX  Balance Owed : {$22000.00} Date Opened : XX/XX/2021 - 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.
Consumer complaint received 2022-10-17
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: Experian Information Solutions Inc. (CA)

My name 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
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: 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 dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, 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 the XXXX credit bureaus if they do not validate these items. Please follow the law so that this situation can be settled quickly. 


XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry : XX/XX/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: Experian Information Solutions Inc. (LA)

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.