davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I have had a credit card with Bank of America for years. I have made many many phone calls and downloaded their app ( which I did not want to do but thought it was the only way to resolve disputes ). I have never been able to speak to an actual person and I have never been able to resolve any disputes with them. I am charged late fees when I am not late. But I'm never able to speak with a person. It's fraud. My payments are due on the XXXX of every month. On XXXX XXXX of XXXX I made over the minimum payment to Bank of America but was still charged a late fee on XXXX XXXX statement. I am always charged a late fee no matter when I pay. I can't communicate with anyone about it. I've tried the app, chatting, calling ... no one. I have statements to show this combined with bank withdraws from bank of america. I do not understand when I need to pay to avoid a late fee. I am also then charged an interest fee - to clarify that i'm not confusing fees. 

Now I would like to cancel my account, the current wait time is 3 hours and in the past even hours of waiting no one answers. I am unable to cancel online. I am in a nightmare relationship with this company and I just want to close my account. I have to repeatedly give my SSN, which is highly uncomfortable given that amount data breaches occurring. I am not able to report my card lost or stolen. Nightmare company. I can not believe that their practices are allowed to continue. I also have many screenshots to support these claims. 

Attached documentation is one example of Bank of America 's practices. I have and can locate more examples of fraudulent behavior. However, this is very time consuming.
Consumer complaint received 2022-05-03
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. (CT)

There are accounts under my name that is reporting inaccurately and inquiries that I have no direct engagement with. I have already filed the proper documentation for these and have sent it to the credit reporting agency but they did not remove them. See attached file for the items I am complaining.
Consumer complaint received 2022-05-03
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. (CT)

There are accounts under my name that is reporting inaccurately and inquiries that I have no direct engagement with. I have already filed the proper documentation for these and have sent it to the credit reporting agency but they did not remove them. See attached file for the items I am complaining.
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (CT)

There are accounts under my name that is reporting inaccurately and inquiries that I have no direct engagement with. I have already filed the proper documentation for these and have sent it to the credit reporting agency but they did not remove them. See attached file for the items I am complaining.
Consumer complaint received 2021-09-07
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

im seeing several credit card accounts that im unaware of on my credit report under my fathers name & not my name. & also the address was wrong. i currently trying to dispute these inquiries because it was not from me.
Consumer complaint received 2022-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (SC)

I have disputed this debt several times. They are in violation of my privacy rights {$1000.00} violation Pursuant to 15usc1681b no permissible purpose, falsely placing on consumer report is grounds for imprisonment and or {$1000.00} per violation 15usc1681a ( i ) ( 2 ) medical hippa violation, It should only be discussed between consumer and facility {$1000.00} violation. 
I have never ever owed any debts to a hospital. They can't prove the visit when I requested it, so how are they saying this is my debt?? >
Consumer complaint received 2022-05-03
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

All XXXX XXXX accounts on all bureaus needs to be disputed and delete. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692g states I have rights to validation of debts and also that I gave written communication to allow these accounts on my credit report.
Consumer complaint received 2020-08-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (FL)

Paid car off in full on XX/XX/20 Have called finance company 12 times. Local car dealership called finance company on my behalf. Lady at the local department of motor vehicle has called the finance company on my behalf. I was promised the title would be mailed. I was told I could get a copy at my local DMV. I was told I would get the title by fax. I have emailed the finance company twice to complain about lack of customer service. Each time after a whole week of waiting I was told they could not help me by email and I should call the same customer service that I was complaining about. The new owner can not register the car in her own name because lien has not been released. No one at the finance company knows why it's not been released. On Friday around noon the lady at DMV was told it would be escalated and released in 2 hours. It's Monday around noon and it's not released yet. My paperwork all says Kia Motor Finance but the lien shows Hyundai Motor Finance.
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (GA)

Dispute Tracking ID XXXX On XX/XX/2020, I transferred {$1200.00} from my Go Program Card ( issued by XXXXXXXX XXXX ) to my checking account. At the time of the transfer, the name of my bank XXXX XXXX XXXX with the below listed banking information : Account Number : XXXX Routing Number : XXXX On XX/XX/2020, the bank changed names to Georgias Own with the following new banking information : Account Number : XXXX Routing Number : XXXX This {$1200.00} transfer never made it into my account ( please refer to enclosed letter from my bank, the confirmation number and my transaction history ). 

I am making a complaint because I have sustained a {$1200.00} loss. Per several phone conversations with Go Program Card Personnel ( EPPICARD Payment Processing Service Customer Account Services ) I have been informed that we can see it in XXXX XXXX XXXX but I have not been given any proof. Additionally, I am requested that the transfer be reversed, canceled or refunded because I can not accept the fact that I am just simply out {$1200.00}. There must be a way to recover my money. 
All your help is greatly appreciated and I will be waiting for a telephone call.
Consumer complaint received 2022-05-03
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. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-06-15
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 an account with a company which is XXXX XXXX and my wife have one well they have her account on my report.

Creditor : Ally Financial Amount : XXXX account # XXXX I sent a dispute letting them know the XXXX XXXX XXXX    XXXX account XXXX is a fraudulent account in the amount of XXXX its been 2 months but haven't been taken off the report. The same company XXXX XXXX XXXX XXXX has two accounts on there the other is XXXX in the amount of XXXX this has been embarrassing to say the least I pay my bills on time and are being penalize by this breach in security. 
Also there is unauthorized inquiries that is causing my score to suffer greatly. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-18
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. (FL)

My name is XXXX XXXX i feel like i have no consumer rights and under attack when dealing with Experian XXXX, I am a victim of identity theft The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft I've contacted Experian 7 months ago about this matter i sent in police reports, reference number is XXXX FTC Report Number : XXXX ( www.identitytheft.gov ) today is XX/XX/XXXX and i recently pulled a credit report from www.annualcreditreport.com upon checking my report i seen that Experian unlawfully rescind & listed the fraudulent account back on my consumer report without notify me 213 days later which is past the 30-60 days for a complete investigation, i reach out to Experian today XXXX and spoke to XXXX a manager from the fraud dept she told me there's nothing i can do about this fraudulent account being reported on my consumer report that its never going to be block or remove, she became very rude and started yelling once i told her about my rights under the FCRA she told me that those laws don't govern experian she then became very upset and hang up on me after, the way Experian handle MY dispute unfair and unlawful, EXPERIAN IS THE WILD WILD WEST I'M UNDER ATTACK WHEN I SPEAK TO SOMEONE FROM EXPERIAN, DON'T MATTER HOW MUCH INFORMATION I SEND TO PROOF MY CLAIM THEY IGNORE IT, FIRE BACK AT ME LIKE IM NOT THE VICTIM, MY IDENTITY WAS STOLEN AND USED WITHOUT MY CONSENT 18 U.S code 8, I owe no debit. XXXX and XXXX is violating my consumer rights to privacy pursuant to 15 USC 1681b 2, Company also has no permission to report ANYTHING using my non public information pursuant to 15 USC 1681-4 , this company has NO permissible purpose to use my data/ XXXX 
MY MOBILE PHONE NUMBER WAS XXXX XXXX TWICE BETWEEN XX/XX/2021 also my mail was stolen and fowared from my mail box i contacted the united state postal service and made a report i also made a police report #, i did not obtained possession of goods, services, or money a from this company Credit Reporting Agencies ( CRAs ) must delete and block fraudulent /inaccurate information. See 15 U.S.C. 1681s-2 ( b ). 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]
Consumer complaint received 2022-05-03
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. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-05-03
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Has 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-03
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Has 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-18
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. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICRTIM OF IDENTITY THEFT AND IDD NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRET MY CREDIT REPORT. I DO NOT CONSENT TO, THE UNAUTHORIZE USE OF MY SOCIAL SECURITY NUMBER PURSUANT TO 15 USC 1602 ( P ). I DEMAND THAT YOU BLOCK AND REMOVE ALL THE ITEMS LISTED INCLUDING ALL PERSONAL INFORMATION THAT IS NOT ON MY LICENSE ON PROOF OF ADDRESS ATTACHED. PURSUANT TO 15 USC 1681C-2 BLOCK AND REMOVE THESE ITEMS IMMEDIATLEY.
Consumer complaint received 2019-02-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (NY)

XXXX credit card with Citibank is reporting me as negligent and default in payment as a authorize user which I did not consent to. Now XXXX   has deducted approximately 10 points off my credit profile. I called XXXX customers service. I have requested that XXXX be deleted from my credit reports ie XXXX.XXXX and XXXX
Consumer complaint received 2024-02-09
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: Experian Information Solutions Inc. (NY)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-05-03
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. (NC)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2022-05-03
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. (NC)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2021-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION (OH)

XXXX-Repeated phone calls with a voice mail telling me to call XXXX. 
On XXXX I received a phone call from XXXX from XXXX, TX. I answered and a auto message said to call XXXX. 

I called and a woman answered saying I owed a payday loan, which I have never even visited one, in the amount of {$500.00} from Check and Go in XXXX, TX. Since it had interest, she said I owe over {$1100.00}. She had the last four digits of my SSN. I gave no information. Ive never received any phone calls or mail from any Check and Go. I doubt XXXX has one. The woman said it was going to legal. 

The woman could not give me her name nor the name of the business she was with nor could she give me any contact information. She typed in her computer that since I refuse to pay the debt, theyd be sending me something in the mail. I laughed and hung up. I blocked that number and after about 10 minutes, they called back. Same number. I blocked the number again. 

Thank you
Consumer complaint received 2022-05-03
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)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX Account Number : XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 

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