davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX, someone was able to create a Bank of America account and gain access to my account to withdraw money from my checking. They also gained access to my sisters ' accounts and my parents ' accounts, as all of our accounts were linked together. In total, the fraudster was able to transfer out of our accounts almost {$300000.00}. From XX/XX/XXXX to XX/XX/XXXX Bank of America did an " investigation '' and provided us with very little to no updates, other than advising that the money was still within the bank and provided us with the name the fraudulent account was opened under. 

On XX/XX/XXXX, they sent us a letter finding us not liable for the account that was created, which the bank allowed to gain access to all of our accounts, but now is refusing to reimburse us for the money. They claim that unless we can prove our phones were hacked and that we did not authorize the transfer of funds, they can not give us back our money. Our accounts are frozen, we have lost a lot of money, and Bank of America is refusing to reimburse us. Instead, they have chosen to accuse us of authorizing fraud on our own account, leaving us with no money and for some of my family members, a complete and total loss of life savings. Any assistance would be greatly appreciated.
Consumer complaint received 2022-12-15
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. (GA)

I have a right to exercise my privacy. My privacy was violated. The credit bureaus never did any investigation or show proof of the investigation. It's been over 90 days. I will like for this to be removed from my credit report.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX  is reporting account number XXXX as 30 days past due in XX/XX/2021 when that is not accurate. I have never been late on this account. They did close the account but I have never missed a payment. According to the Fair Credit Reporting Act and FACTA, they must report accurate information and with the CARES Act, I am protected from any negative reporting.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

They are reporting XXXX ( reported in XXXX ) and XXXX XXXX ( charged off XX/XX/XXXX ) as included in a bankruptcy that was discharged in XXXX. I sent over proof to have XXXX removed and they listed things as being included in a bankruptcy that was impossible being that the bankruptcy was discharged in XXXX and I didn't acquire the debt until XXXX. I have attached the same documentation that I sent Equifax ... no where listed on the documentation are these companies listed or I have put a dispute in for them.
Consumer complaint received 2018-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

Well Fargo Claim # - XXXX I disputed some unauthorized transactions on my card, and wells fargo denied them all. My account was compromised and someone also deposited checks into my account, I told my bank it wasn't me and all they said was well we are still closing the account. 

I think its completely bogus for a bank to allow someone to make purchases with my card information even after I had already called in someone using my card back in XX/XX/XXXX. And even worse, when a customer calls in about fraudulent activity, and the bank does NOTHING to help the customer! 

They waited a whole month to cancel that card! And now that my money is gone they are closing my account. 

Please Help
Consumer complaint received 2023-03-27
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. (NJ)

My credit report has been badly damaged to fraud and the timing is very bad, since I want to apply for a HELOC.

I have 2 acts of fraud leading to 2 collections against me : One is for {$1700.00} to XXXX and the account was opened up on XXXXXXXX I spoke with XXXX on XXXX and was informed I would need to file a police report which I already did. They were able to confirm the account was opened up to an address that has no affiliation with me ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX XXXX. I have lived in 3 locations in my life all located in XXXX XXXX which are accurate on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX which is my current address. 

The second charge is for {$510.00} to XXXX XXXX XXXX XXXX on XX/XX/XXXX. I was not able to speak to anyone helpful from XXXX. I also made mention in my police report this was a fraud charge too. This is apparently a Texas based utility company.
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX agency complaint of online and written correspondence disputing account inaccuracy ; they willNOT update or remove fraud accounts and Identity theft. FOR EX : XXXX XXXX is in dispute ( loan discharge ) due to identity theft, also, reported to FTC. Showing debt to income ratio error. All accounts are individualized and old accounts discharged by chapter XXXX and not reported correctly. Only have 2 open credit accounts at this time, but my report shows accounts not mine. Denial of credit due to fraud, account inaccuracy and identity theft. Online access denied report number XXXX XXXX XXXX XXXX XX/XX/XXXX2017.
Consumer complaint received 2022-10-15
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: Experian Information Solutions Inc. (WA)

This Was Part Of Divorce Decree On XX/XX/2021 Decree # XXXX XXXX  It is not my financial Obligation Anymore, as it belonged to my Ex Spouse. I was Relieved from my debt by a court order, Ordered by A Judge XXXX XXXX In A XXXX, Washington XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Experian : XXXX XXXX Account # XXXX XXXX : XXXX XXXX Account # XXXX XXXX : XXXX XXXX Account Number : XXXX XXXX
Consumer complaint received 2022-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NY)

In XXXX of 2022, I requested a refund of the payments I made voluntarily during the XXXX payment pause. XXXX XXXX issued a refund check in XXXX, but it was unfortunately either lost of stolen by the XXXX. I reported the check as lost or stolen, and XXXX XXXX was able to recover the funds. I have been requesting that a replacement check be issued to be since early XXXX, but have not received one to date. Accordingly to the Department of Treasury, XXXX XXXX has made no request for another check to be issued to me. My student loan balance reflects the amount that was to be refunded to me, so I now owe the money that I have not been refunded. I have contracted XXXX XXXX repeatedly via email and via phone, but have not been able to resolve this matter with them. I am requesting assistance from CFPB in receiving a refund of my student loan payments.
Consumer complaint received 2021-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I got this promotional letter in my mail from Bank of America for a credit card. It says that I am already pre-approved and then a great 0 % APR for 9 months and cash back bonus. Based on that I applied for a credit card and my application is denied.

1 ) If I was not pre-approved - why Bank of America that I am approved already?

2 ) Moreover I already have Bank of America credit card and credit score of more than XXXX so why my application denied? 
3 ) If Bank of America has to deny my application - why they sent me targetted offer like and screwed up my credit score by denying it?
Consumer complaint received 2021-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/XXXX th XXXX someone gained access to my banking information log in and attempted a few withdrawals : Two from XXXX each ( {$4000.00} ) total and the person deposit a fake check from the State of Connecticut I deposited 2 months ago and destroyed it. 

The check is fake because I already deposited this check 2 months ago. 

How the person got a copy of this check I dont know, and Im scared that this could caused me a lot of problems. 

Please help me resolve it. 

My bank account Bank of America account XXXX Name XXXX XXXX XXXX
Consumer complaint received 2022-10-15
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: EQUIFAX, INC. (MO)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX  XXXX XXXX Balance : {$0.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-15
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: CAPITAL ONE FINANCIAL CORPORATION (KY)

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for I purpose.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed that my personal information is incorrect. This is my second time writing you to update my personal information, Please see attached information that need to be updated.
Consumer complaint received 2022-10-14
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: NAVY FEDERAL CREDIT UNION (WV)

In accordance with the fair credit report act XXXX account XXXX has violated my right. 

15 USC 1681 section 602 state I have the right to privacy 15 USC 1681 section 604A section 2 its also state consumer report agency can not furnish an account without my written permission. 

15 USC 1666b a creditor may not treat a payment or credit account under plan as late for any purpose.
Consumer complaint received 2021-07-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (KY)

I made a payment recently that has not posted to my account. It is now past the due date, and I have a final payment coming up in a few days that I need to make to avoid interest fees. The most recent payment date was XX/XX/2021, amount {$880.00}, and I received email confirmation about the payment. Payments I send to them always post within one day, so I know something is wrong. I tried contacting them by phone but can not get a real person. The automated system informs me that my most recent payment was on XX/XX/2021 for {$2500.00} ( this was NOT the most recent ). I NEED to get this resolved ASAP so my balance can be paid in full before the promotional period ends. Their automated chat system provides absolutely no options to help me with this. 

The real kicker is that my Paypal credit account recently had the same issue. So something is going on with Synchrony Bank ( who does both Care Credit and Paypal ). Luckily, Paypal support was able to fix my issue there. Care Credit is absolutely impossible.
Consumer complaint received 2022-12-14
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2022-12-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (NE)

On XX/XX/2022 I applied and was approved through upstart for a XXXXXXXX loan. Their electronic system reviewed my checking account. The next day on XX/XX/2022 they requested Bank statement, voided check and signature card from bank. After review due to me using a credit union the number on statement and account appear different as when have member numbers. On XX/XX/2022 they requested via email document of letter from bank verifying this is my account which I provided. I contact my bank first thing in morning XX/XX/2022 to get letter and sent over verification to upstart. Upon review they told me number on signature card did not match. I then contact my back again and they wrote a detailed letter Than I got another message in email the number on signature card did not match. I contact my bank again and they wrote detailed letter explaining the account member numbers and offered to answer any questions. I submitted for review and call customer service for the 3rd time on XX/XX/2022 to let them know I had submitted and if they needed anything further I would go to bank, find the manager and call them from bank to have my financial instuition send directly anything they need to finalize. Before even allowing a final review they denied my based on the comment that they could not verify my information on application. They did this before reaching out again or allowing me the fair right to complete process for a loan I was already approved for.
Consumer complaint received 2018-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (FL)

My phone/wallet were stolen at a concert and my phone was used to order XXXX through my XXXX. I disputed the charges with XXXX and they found it was indeed fraud and refunded my money. The original charges were on XX/XX/XXXX and the overdraft fees were applied on XX/XX/XXXX. The XXXX charges put my account into the negative and I was given 5 separate NSF charges of {$38.00}. XX/XX/XXXX XXXX resolved my complaint and refunded the charges because they found it was fraud. I explained to my bank, BBVA Compass, what happened but they said because I had already disputed the charges with XXXX and they had already reimbursed the money, they could not put in a dispute for the overdraft fee 's. They are saying that it is XXXX 's responsibility to reimburse the charges which doesn't make any sense because it wasn't XXXX that charged me the fees. XXXX provided me with a letter for BBVA Compass explaining that the charges were fraudulent " This letter is to confirm that they did not authorize the transactions that caused the NSF fees. ". I have spoken to 5 separate managers at BBVA and even had a conference call between XXXX and my bank during which the representative from BBVA ended up just hanging up on us. XXXX is sending me a copy of the recorded call so I have evidence. After nearly 4 hours on the phone they finally gave me a " goodwill credit '' for 3 of the charges but I have explained to them that they are literally profiting from Fraud. I have been with them for 10 years! I honestly do not know what I could have done differently but I am now out {$190.00} and they can not get away with this! Please look into this and let me know if you need ANYTHING from me.
Consumer complaint received 2022-12-01
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: Experian Information Solutions Inc. (MO)

In Accordance to the FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
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)

I had a credit hard pull on my Equifax report from XXXX XXXX Bank. I disputed this, as I was never informed that a hard pull would be initiated for a credit limit increase. Rather, they pulled it as an application for a credit card and never gave my the results of my credit limit increase request, and they were advised of numerous servlet errors in the app during the process that made everything work inproperly. I was advised by customer service to contact their main number for assistance. When doing so, they told me they can not remove pulls from a credit report and that had to be done through Equifax via the dispute process. I then proceeded to tell them about the errors, but nothing was done. I was also still not given the results of my limit increase. As a result, I submitted my dispute to Equifax as an error in reporting a hard pull inquiry. They immediately denied the dispute and closed it. I am asking that this pill be removed from any and all credit reporting within 30 days by either the reporting agencies or XXXX XXXX Bank. I have copies of all correspondence.
Consumer complaint received 2017-07-20
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: JPMORGAN CHASE & CO. (IL)

The bank allowed scan by nonmatching, nonsignature, nonordered or consented to cards nor, transactions '' thus '' I can not be made to pay nonelectronical, nonconforming, bank transfers, completed by thee, merchantb '' CHASE BANK UP XXXX, AMOUNT OF {$120.00} XXXX XXXX XXXX ( (? ) {$750.00} (? ) NOTHING TO, NO ORDERS BY XXXX XXXX XXXX XXXX XXXX XXXX COMPEL PROOF CHASE WILL DODGE XXXX XXXX OBSTRUCT '', my card was losr at a store grocery after it was declined Chase has subjected me to identity theft.chase also destroyed ' '' cut up the card 's a XXXX address XXXX location when I entered I discovered my XXXX, was missing. To date no refundsplus non compliant ORDERS n cyberworld? My Credit score thanks to that XXXX dropped XXXX ... im XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.