davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-08
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/XXXX My Bank of America account was compromised.

XX/XX/XXXX I realized my account was compromised. I called Bank of America to advise that a charge had been made on my Business checking account by XXXX on XX/XX/XXXX that I did not authorize.

*XX/XX/XXXX I spoke to XXXX XXXX the first time I called and he told me to go online and print a form called the Unauthorized ACH Corporate Return Form *I filled out the form per his request and faxed it to the following number XXXX * I asked XXXX what would happen if my account goes negative as a result of this money being taken out of my account considering I knew I had other monthy recurring charges I expected to be withdrawn from my account. He said I would have to call back if BOA did indeed charge me fees for insufficient funds. XXXX said to call back on XX/XX/XXXX to find out if the dispute form had been received by BOA. He also said to call XXXX, which I had already done. XXXX switched me around to 3 different departments and the 3rd rep hung up me when I asked to speak to the manager.

*Sure enough I did start receiving multiple fees for insufficient funds and now I can't pay my car note because this was not dealt with timely by BOA *XX/XX/XXXX I called boa and spoke to XXXX XXXX . I called to find out if they had received the Unauthorized ACH form that I sent on XX/XX/XXXX. She put me on hold for a while and then she said " He told me you have the wrong account number on the form ''. So I went an got the form and read the numbers to her. She said " Yes, that's definitely your account number, hold on and let me ask him about this again. '' I hold on. She comes back and says " He said resend the form ''. I told them I couldn't resend the form today because I had a XXXX XXXX so I wouldn't be going to the office on XX/XX/XXXX *XX/XX/XXXX TODAY I went to the nearest Bank of branch to speak with someone but they told me that there was a 40 minute wait and I could come back the next day, which is tomorrow. Meanwhile, my account continues to sent in the negative, and I can't pay my bills from this account because someone stole my money and BOA is not helping me.
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FinCo Services Inc DBA Current (NJ)

Follow up the case XXXX. 
Recently I submitted a complaint, because current bank dont let me open a checking account with all the benefits they offer to the customers. I meet all the requirements mentioned on current.com, but the bank continue denied my request. WITH NO REASON OR MOTIVE. 
The company keeps telling me that they thoroughly reviewed my profile and I am not eligible for an account. I demand a clear and concise answer, with the reason why I can not open my account. It seems to me an act of discrimination and I want to be shown otherwise. Current Bank 's response was to wait 15 more days, but yesterday I wrote to the bank on its website and their response was that it was still denied and there is no additional study. The next step is a formal complaint, until they clearly show me the reason why I can not apply for an account at Current Bank.
Consumer complaint received 2020-06-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: eMoneyUSA Holdings, LLC (WI)

Emoneyusa has charged me more money than I should've had to pay because on, one of their representatives sent me a personal email with another account holders information when I asked if they could push a payment back till my next payday. This email came after I called the company and explained to them that my employment got effected by COVID-19 and I need another week to pay my payment. The representative told me over the phone that they would be able to do that. When I got the email showing a mixed up of client information, I contacted the company twice to fix this before they would pull a payment out of my account. The problem was not corrected as promised, a payment was pulled and put my bank account in the negative. 

Also, I did pay the loan off in a timely manner and the account is closed. However, now it is still being reported on my credit report as having a balance of {$360.00}. I contacted them to ask them to update this information and they still haven't done so.
Consumer complaint received 2022-07-23
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 Collecons : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX Collecons : XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-23
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. (DE)

I went a dealer to get a car and they told me they were only running my credit for one lender which was XXXX. They lied and now I have unauthorized inquiries on my report. Tried to file a dispute through Experian, XXXX, and XXXX and was unsuccessful. The system would not take the dispute and even when I called them they stated that the inquiries would be removed between 24 -72 hours. Nothing happened. Also In accordance with the Fair Credit Reporting act. The List of companies below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Experian : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Financial Consumer Rights being violated : 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. 
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 2021-06-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

the following accounts does not belong to me so i want it to be remove from my credit report asap. FYI this are the accounts : 1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine.
Consumer complaint received 2022-11-03
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. (AR)

I have filed a dispute with Transunion about student loans because of how the change was made on the enrollment form to change my identity in the year of XXXX, The SSN number written on top of the enrollment form is not my handing writing and the student ID number is not the one use in the school.That the reason I know my identity was changed on the enrollment form.I have never given anyone permission to change my identity.I am very competent in understanding when my signature has not been signed electronically or any other form XXXX all information all this came out during the pandemic in XXXX.The school is now closed according to their website which was located XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IL XXXX have been fighting my identity with Transunion for past 21 years because somehow Transunion had in their system my daughter SSN number for me since XXXX, which that should have never occurred because I uploaded the information on those days ; The dispute days XXXXBy law once an account has been deleted it can not be put back on your report the amount of XXXX was deleted on the dates above which was not showing on my report and a letter generated that it did not appear.There was an account with XXXX that the representative stated was a snippet from Transunion after years of fighting my identity with Transunion.By law you can not go back and add an account once it has been taken off.Which you all put it back on my report XXXX XXXX after sending a letter stating that it does not appear on your report On XX/XX/XXXX and you all sent a letter to unfreeze my credit report, which I did not request that to Transunion or any other affiliate of Transunion I only disputed the information on the above dates that are listed.There were two letters generated on XX/XX/XXXX and XX/XX/XXXX that the item does not currently appear on your credit report.Reason I am filing this again is because it was put back on my credit report after it was taken off previously new material has been presented with this inquiry such as my daughters SSN that was generated for me back in the year of XXXX.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am extremely upset! I was looking at my credit yesterday morning and I saw an account that was not mine! How can something like this happen! Why is it that my credit file has someone else account information! Who put this on my credit report? From what i can see this is fraud or an absurd mistake. My credit score is super low and now I am not able to use my credit in a pandemic! My car just broke down and i cant even get a new car because of this problem! Please help me and investigate this outrageous problem.
Consumer complaint received 2022-08-15
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. (MN)

It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. Here are the disputed items that did not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MN XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX. 
XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$5000.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2400.00}
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

There are several accounts reporting inaccurately on my credit report file. The following accounts are reporting inaccurately : Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect  Address : XXXX XXXX ( Experian ) Incorrect Address : XXXX XXXX ( Experian ) Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Name : XXXX ( Experian ) Incorrect Name : XXXX ( XXXX  ) The following accounts status is reporting inaccurate. I was never late on the following accounts : Dept of Education XXXX Open XX/XX/XXXX Bal. {$3500.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$3100.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$860.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$1100.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$1300.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$2300.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$2100.00} ( I was never 90, 120, 150, or 180 days late ) XXXX Open XX/XX/XXXX Bal. XXXX ( I was never 30 days late ) The following accounts does not belong to me/ Result of Identity Theft : XXXX Open XX/XX/XXXX Balance : XXXX ( XXXX  , XXXX, and Experian ) XXXX XXXX Date Open XX/XX/XXXX Bal. XXXX ( XXXX  and XXXX  ) Bankruptcy Chapter XXXX  ( XXXX  and Experian )
Consumer complaint received 2021-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (MS)

I was a customer of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in 2018. In XXXX of 2018, my account information was changed without my permission. I notified XXXX XXXX XXXX  immediately but they were unable to verify my identity over the phone because someone accessed my account without permission and changed my address, phone number and other info. I had to show identification at a store to get assistance. I requested a passcode be placed on my account to prevent my information from being accessed without my permission, however, that did stop the numerous changes made to my account without my permission. I cancelled my service, paid my final bill and returned all equipment. XXXX XXXX XXXX has sold my account to numerous collection agencies even though I have provided copies of paid in full receipts to them.
Consumer complaint received 2022-07-23
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. (DE)

I went a dealer to get a car and they told me they were only running my credit for one lender which was XXXX. They lied and now I have unauthorized inquiries on my report. Tried to file a dispute through XXXX, Equifax, and XXXX and was unsuccessful. The system would not take the dispute and even when I called them they stated that the inquiries would be removed between 24 -72 hours. Nothing happened. Also In accordance with the Fair Credit Reporting act. The List of companies below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX EQUIFAX : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Financial Consumer Rights being violated : 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. 
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 2023-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XX/XX/23 i tried to log into my mobile banking and couldnt. I tried several times and finally got into it only to find that all my money was taken out by someone in florida. i then called my bank to immediately get this resolved and get my money back, a total of {$2300.00}. 
XX/XX/23 i tried to log into my mobile bank account again and had the same trouble loggin in. so i called my bank again to get help, i found out that my new card was being sent to the scammer in florida and not me, then i found out that my bank overdrafted my account to rush me the new card. AND then i found out that my fraud claim wasnt even put through to my bank so they were not even working on the scam to get my money back. 
at this point i hope that they have been able to do the things that we tried to do over the phone like freeze my account so the scam cant keep taking money and stop all access to my account.
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (GA)

I have an American Express Delta Skymiles credit card. I am a self-employed person and due to Covid-19, my business was in a disastrous situation and i could not make my credit card payment on time for the months of XXXX and XXXX. In the month of XXXX, after receiving unemployment benefits, I received some money and immediately paid off the entire statement balance on my American express credit card. 

However, they charged me an interest of {$52.00} and {$34.00} for the two months along with two late fees of {$39.00} each month. I called American Express customer service several times and requested them to waive these interest charges and late fees as this was due to an extreme hardship as a result Covid-19 situation. 

American Express flatly refused to waive these interest charges and waived only one late fee of {$39.00} for XXXX. i am requesting that the interest charges for these two months and the late fee for the month of XXXX should be waived as this was a hardship situation for me. 

I also expect American express to show some empathy towards consumers and not engage in predatory and unethical business practice as i believe they demonstrating during this pandemic.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

I have disputed this fradulent public record numerous times with the credit bureaus. XXXX  and XXXX  refuse to remove this incorrect information from my credit report, XXXX  has done so already after properly investigating and proving it does not belong to me.
Consumer complaint received 2020-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Around XX/XX/2020, my wife and I looked into a debt consolidation loan with XXXX XXXX  XXXX XXXX. The website specifically said that checking into the available interest rates would not affect our credit score. In fact, we never even completed the information form to get the interest rate. Yet, I later noticed an unauthorized credit inquiry to TransUnion from this company. After trying to call XXXX XXXX   XXXX XXXX on two different occasions to have them delete the unauthorized inquiry ( on XX/XX/2020 XXXX, I was not able to get through. In fact, I couldnt even leave a voicemail as their phone system, while I was on hold, hung up on me two times in a row. Then, I tried to call TransUnion to have them delete the inquiry but their phone system only allows one to obtain an annual credit report. Though I tried to access a real person, their system would not allow it. Please help me have this unauthorized inquiry deleted. Thanks.
Consumer complaint received 2021-06-03
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. (WA)

The agency is inaccurately reporting two 30+ day late payments for the months of XXXX and XXXX of XXXX. The due date for this loan is the XXXX of each month. I have attached receipts showing that the XXXX payment was made on XX/XX/2020 and the XXXX payment was made on XX/XX/2020. Additionally, I have an email from the credit union responsible for this loan that clearly states the months prior to XXXX and XXXX were current. 

I have disputed this information with Experian and they refused to make changes to my credit report. They suggested I dispute again with supporting documentation, but provide no means to add supporting documentation. The documentation showing the above is attached.
Consumer complaint received 2021-06-02
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: GOLDMAN SACHS BANK USA (TN)

On XX/XX/2021 a fraudulent charge was made against my Apple Card by a merchant listed only as XXXX in the amount of {$340.00} I disputed the transaction on XX/XX/2021 at which time Apple gave me a provision adjustment. 

With no further communication, they reversed the credit on XX/XX/2021. 

I have no records of this purchase and Apple has provided no evidence to support their reversal.