davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I use a Bank of America VISA card. 

I went on vacation in XXXX XXXX. On the last day, I went to the airport. I made two charges there. One at XXXX XXXX and the other at a bar. Both were recorded on my bill. However, between those 2 charges was a charge for {$280.00} at a restaurant I never ate at. I put in a fraud claim THREE times and each time was denied. 

I asked how it could be that I was in the XXXX XXXX  AND the restaurant at the same time ( Since the charge fell between 2 legitimate charges in the airport ). I have only one card issued to me. In spite of explaining that three times, they said the chip was read therefore it's a legitimate charge. There was no discussion on my point on timing. 

This is my first ( and last ) card with B of A.
Consumer complaint received 2019-04-09
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: EQUIFAX, INC. (CA)

I just recently recieved the results for a collection item ( XXXX XXXX XXXX ) on my credit report that does not beling to me. I've reached out to this company several times by mail and I've disputed this item regularly with Equifax credit bureau. Equifax still has not removed this item from my credit report. I mailed in a packet of documents proving to Equifax that the collections account with XXXX XXXX does not belong to me. Equifax sent me am email stating that they received my supporting documents on XX/XX/XXXX. Then Equifax somehow completed the investigation in 10 days after on XX/XX/XXXX. This was not sufficient time for them to review the documents because if they did they would have removed the account. I sent supporting documents showing that XXXX & XXXX have removed the XXXX XXXX accounts several months ago. Also XXXX has yet to produce a contract or any proof that the account is in fact mine. 
Today on XX/XX/XXXX I called Equifax at XXXX and a customer service agent with Eauifax claimed that he couldn't verify my account when I have a confirmation number from Equifax and none of my personal information has not changed. I spoke with the customer service agent 's supervisor named XXXX and he was able to verify my account. Although, the supervisor was helpful and clear about the dispute process. He was guarded and withholding actual details about my account and supoorting documentation proof that i mailed into Equifax. Please reach out to them and make sure they follow suite with XXXX & XXXX to Delete XXXX XXXX from my credit report.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (DE)

i disputed 3 bankrupcy filings on my credit report. they told me to contact XXXX XXXX to dispute the report. i did and XXXX XXXX told me they would correct the matter and remove the information on my file. i notified experian and they keep saying that the information has been verified. I sent them the letter from XXXX XXXX stating they would remove the information and they ignored me. i asked them of proof verifying what they claimed and they just said that XXXX XXXX verified the information. i contacted the bankrupcy courts clerk and they informed me that they did not verify the information reported. 

this has caused adverse reaction. i was denied credit multiple times and in the instances that i was approved for credit it was at an exesively high interest rate. 

please correct this matter
Consumer complaint received 2024-03-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (TX)

Have tried to contact Robinhood Financial more than 10 times to resolve the situation but they take no action of substance because you can't speak to a competent human being. Apparently to save on costs Robinhood Financial has no telephonic customer help. Everything is email which has no resolution because the people who respond are looking to do nothing probably because they are low level and low paid. The email names responding by email from Robinhood incude XXXX, XXXX XXXX, XXXX and The Robinhood Team. They are incapable of resolution. Every email to Robinhood Support results in a new support ticket number or case number being created. Then they want you to submit an ID & Selfie to confirm your identity. I have submitted photos of my drivers license and Selfie 's on more than 2 occasions. No response. At present I have 4 cases with Robinhood Financial support. The case numbers are XXXX, XXXX, XXXX plus the most recent XXXX. Robinhood Financial needs to pay a hefty fine to CFPB.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I mailed in and disputed online XX/XX/XXXXXXXX XXXX XXXX with XXXX and Equifax to reinvestigate the following account : Account name : XXXX XXXX XXXX Account # : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-11
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : Untitled Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Northern Trust Company, The (CA)

Problem 1 : I have XXXX of my money in the money market account and interest rate was 4.84 % but because it was XXXX I would only receive .25 %. When I called Friday XX/XX/01. I was told by the CSR that as soon as it becomes < XXXX .The difference would be credited > XXXXXXXX XXXX But When I called I was told they would not honor and some one call XXXX -last name unknown ( I was not given his last name or designation ) and that this person has the authority to make decisions. Inspite of repeated attempts my questions are not answered Problem 2 : They raised the interest rates and had an ad on the website of higher interest rates and I was on the lower rate for 2 months, before asking them via secure message only then did they give me the new rate : It is well documented and would be on the secure messages I sent them Both are classic examples of very deceptive business practices
Consumer complaint received 2023-09-14
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: On Q Financial (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (PA)

Per my previous 2 complaints, Mr cooper has been harassing me via phone and text for months. I just receive another automated text, even though I was told they would ensure I would not receive any more automated contacts.
Consumer complaint received 2024-02-10
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate 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 investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$230.00} ; XXXX XXXX Balance Owed : {$310.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$240.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$39000.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$870.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$610.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$590.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} ; XXXX XXXX Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX 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 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 2024-02-10
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. ()

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2022-06-10
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. (MD)

In accordance with the Fair Credit Reporting and XXXX Accounts : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct XXXX 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 602 A Section 2. It Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-04-09
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)

I have sent several disputes to Equifax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for a collections company that is not providing me with any information. I contacted my insurance company XXXX and the collector XXXX to see why was I charged a bill for {$580.00} that I did not know about. Was told by XXXX that they reached out to the hospital about charges but there are no records and I have reached out to them as well. I reached out to XXXX  and all they are saying that I have a collections but no proof of what the charges are for. The bill I got for the hospital was paid and the doctor did not do anything for me. I basically paid to get my XXXX XXXX took because my XXXX XXXX XXXX had left before they could get a doctor. I was not given anything and was told to see my XXXX  which I did and she was paid through my insurance XXXX. I have requested for Equifax to provide me with documents from the doctor of charges because I have insurance that pay majority of all my medical bills. No one can provide records and I need to see what I am being charged for. Now I have a collections on my credit report and I do not know why. Bureau is not giving me any information on what they are being told by collections agency so these disputes are pointless. I pay my bills on time so this is very frustrating that no one can provide me what I am asking for. Also, the amount changed after the first dispute and I asked about that but got no response. What is the point of providing my proof when these companies are not providing me with anything. If this is the case any company can say I owe them. None of this makes sense to me and I would like a detailed response not a generated reply.
Consumer complaint received 2023-09-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (VA)

In XXXX of 2023 I was contacted by XXXX XXXX XXXX, a debt collector for XXXX about a debt. I informed them this was not a valid debt, all leased materials were returned to the XXXX store in XXXX VA on XX/XX/2023. I then received notification that they apologized, and that they would not longer seek remedy and the case was closed. The collection was then removed from my credit file. 

Now, this same debt ( which was already deemed invalid by XXXX XXXX XXXX ) is being sought after by Sunrise Credit services. It is not valid, there is nothing owed to XXXX, and this was already proven and settled with XXXX XXXX. Additionally, I have received ZERO written correspondence from Sunrise Credit about this debt.
Consumer complaint received 2019-04-09
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)

Equifax you are reporting XXXX XXXX on my report but there is false incomplete information .Remove this account for violation s.enclosed are the documents show my case
Consumer complaint received 2021-02-10
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: U.S. BANCORP (CA)

US BANK closed my account unexpectedly without any notice or heads up. I had about {$52000.00} in my savings and checking account with them. The manager XXXX handled everything unprofessionally he lied about the account closing saying it was the back office of US BANK when indeed it was him. 

I asked him how will I get my money back he said he sent out a cashiers check to me. After 2-3 weeks waiting for a cashiers check that shouldve been over night mail. I contacted XXXX at US BANK asking him where the checks are and why its taking so long. According to him since he had the tracking number he said they havent been mailed out yet and still at the post office. I then asked for him to cancel those checks and i can come by the branch he said that wasnt possible. 
It was 2 checks that where supposed to get sent to me via USPS and signed for. I have cameras all over my house and can assure you that not one single person from the post office brought me anything all year let alone that week to sign for checks. My checks either never got sent to me and got cashed by someone else at the branch or they got delivered or stolen from a different address. Cause the checks got cashed at a XXXX XXXX. I dont bank with XXXX and had identity theft involving chase last year which i can provide a police report and FTC reports to show proof. 

Another week goes by and i still dont have my money. I called XXXX back and he said he needs to get an OK from higher management to see when he can reissue me my checks. After a couple hours he called back and all of a sudden says how the checks where cashed and try asking me if i forgot i cashed 2 checks around {$52000.00} like Id forget something like that. Pretty much he was accusing me for cashing Checks. He then had me come to the branch to file some fraud forms that he didnt help me with and let me know what has to be filled out which delayed the process even more. After another month of miscommunication my forms and fraud case where approved by US BANK fraud department. They finally found out where my checks where cashed and sent 3 letters to that bank demanding the funds back so i can finally get my money back. But the process has been taking way too long and i really need those funds. Its been 6 months already and i still havent seen a dime from my money yet.
Consumer complaint received 2019-09-19
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: EQUIFAX, INC. (PA)

XXXX XXXX XXXX is reporting that on XX/XX/2018 & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Consumer complaint received 2019-04-09
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)

I've identified several accounts that are currently appearing on my credit file that do not belong to me. I've attempted to settle this matter with Equifax, XXXX, and XXXX, but I have not been successful with having the fraudulent items removed from my credit profile. The items are as follows : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX XXXX 10. XXXX XXXX XXXX, XXXX
Consumer complaint received 2021-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I HAVE ALERTED CRA THAT I HAVE REQUESTED VALIDATION FROM COLLECTION AGENCY AND THIS DOES NOT BELONG TO ME. ID WAS LOST AND THIS IS ID THEFT. THEY HAVE NOT VALIDATED ACCOUNT.
Consumer complaint received 2020-11-06
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. (TX)

I've been writing the bureaus several times to dispute my student loans. The student loans are reporting with different info through out the 3 bureaus. According to the FCRA This is a violation and should be deleted immediately. I've pointed out things that are not correct several times and they just send letters saying updated and leave the accounts still showing negative items.
Consumer complaint received 2019-04-09
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. (MO)

I'm very disappointed in the handling of the major credit reporting agencies inwhom is responsible for whats being reported on my report. I have disputed these accounts but its obvious that imma have to file suit against the credit reporting agencies. There's a reappearing account ( XXXX XXXX {$1000.00} ) inwhich according to the FCRA when this happens the credit reporting agencies shall notify the consumer within 5 days. Also these following accounts are not mines, ( 1 ) XXXX XXXX XXXX {$1000.00}, ( 2 ) XXXX XXXX XXXX  {$920.00}, ( 3 ) XXXX  XXXX XXXX {$730.00}, ( XXXX ) XXXX XXXX {$26000.00}, I'm demanding that these accounts be removed immediately from my credit report.