davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-23
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. (TX)

Equifax isn't reporting a credit card that I have had for almost 2 years. They stopped reporting about 6 months ago for some reason and I have called them along with the credit card company. The manager at the credit card company verified that they electronically sent it to them and Equifax is stating they haven't received it. We are trying to buy a home and I had to open a NEW credit card in my name only just so something is reported on Equifax. This has now affected my other credit reporting on XXXX  and XXXX  because they report an AVERAGE of all credit cards and since this NEW one was opened only in XXXX, its dropped my score. I am not sending Equifax my FULL Social Security Number, FULL credit card number, FULL name, Date of Birth, etc. to an Equifax address. I have already given them any information needed and they can see that this was reported almost 2 years ago and then 6 months ago it stopped with NO explanation.
Consumer complaint received 2018-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

My Bank of America XXXX  card was fraudulently used on XX/XX/18 at XXXX XXXX I am not sure how the card number was obtain by a person I do not know. I called the XXXX XXXX to report fraudulent use. I also called Bank of America Visa to report fraudulent use. This incident was immediately resolved. Bank of America sent me a new credit card. I received the next statement on XX/XX/18 and another fraudulent use of my card was used on XX/XX/18 at XXXX XXXX XXXX. The charge was made with my original credit card number, per the account number on my statement ( this statement had two account numbers the old and the new ). I called XXXX XXXX to inquire about the charge and state it was fraudulent. XXXX XXXX agreed and said they would remove the charge. 

I called Bank of America to report the charge and cancel the credit card on XX/XX/18, the day I received the credit card statement. Bank of America would not cancel my credit card account. They said it had to stay open during the investigation and I disagreed with this process. A week later on XX/XX/18, I received an email from Bank of America telling me a new credit card is on the way. I did not request a third, new credit card and want to close this account to stop the fraudulent activity. Speaking with Bank of America on XX/XX/18 I found out that my call to report the fraudulent activity on XX/XX/18 from the charge made on XX/XX/18 was not documented by Bank of America and the account was not frozen, as the associate told me would happen. 

I do not want a Bank of America credit card. I do not want to pay for the fraudulent {$73.00} charge and then have Bank of America refund me the money. I just want to pay the balance of my charges and close the account and be done with Bank of America.
Consumer complaint received 2018-12-31
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (CA)

On XX/XX/2018 I traded in my XXXX XXXX  for a XXXX. I requested from XXXX that my Preferred XXXX XXXX Plus Insurance be cancelled. I am entitled to a refund. It took XXXX til XX/XX/2018 to cancel my insurance and I have yet to receive the refund of {$310.00} from XXXX of XXXX. I have emailed at least 10 times informing them that I need a status update on the refund and also that I have a new address. No one gets back to me. 

My contract Number with XXXX XXXX XXXX is XXXX Refund amount XXXX
Consumer complaint received 2019-06-23
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: Experian Information Solutions Inc. (TX)

Ive called every credit inquiry I dont recognize. They all said to let XXXX  know, but they won't even let me get a report because they must suspect something and would like to know its really me. I have 3 hard inquiries alone from XXXX XXXX but I only applied once. XXXX XXXX said it could have been a mistake on someone else 's part ... But I dont beleive that. The motorcycle lease hard pull wasnt mine, nor was XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX????? None of these are familiar and I haven't applied for any type of job like that. But I think it's those Thurs party people doing whatever they feel and it's affecting my score. Exhausted with all this XXXX. I just want XXXX XXXX taken off as well as all the hard inquiries from the ones I didnt put there I would like them off experian ... XXXX  ... and XXXX. Thank you for your help in this matter.
Consumer complaint received 2018-10-03
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Braviant Holdings, LLC (OH)

They did not send a written validation notice ... .they contacted and left message with a family member ... no mailing address was given ( theirs ) ... no collection license # given ... the account id number they gave XXXX ... {$310.00} (?? ) owed ... threatened to send someone to my home ... no email given to me ... names : XXXX XXXX, XXXX XXXX ( xt # XXXX XXXX, XXXX XXXX ... XXXX.
Consumer complaint received 2018-06-18
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. (CA)

I have a block on my credit files with XXXX, Transunion and XXXX. In order for me to accept or request credit the creditor must physically call me by phone and ask for permission to check or verify my file. 

This was not the case, I didn't receive a phone call from the this creditor XXXX XXXX XXXX and now I have an Inquiry on all 3 credit files as of XX/XX/2018.
Consumer complaint received 2018-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

I have a Capital One credit card I applied for a credit increase I was told I would get a letter in 12 day which I did today XX/XX/XXXX. Letter stated I was DENIED credit increase at this time. I stated a list of general reasons why it could be denied and not a one related to me so I called capital one I was transferred to one after another until finally the person said I was denied because of a late payment I ASKED WHEN WAS I EVER LATE THEY TOLD ME IN XX/XX/2018 I HAVE NEVER BEEN LATE AT ALL I HAVE ONLY HAD THIS CARD FOR 8 MONTHS BECAUSE I WANTED TO BUILD MY CREDIT RATING UP. I HAVE PAID ON TIME I HAVE PAIDED THE BALANCE ALMOST OFF EACH TIME SO IM VERY AWARE I WOULD NOT BE LATE I ASKED FOR A SUPERVISOR I GOT ANOTHER RUN AROUND THEN ON HOLD FOR 15 MIN. he KEEP SAYING IT WAS LATE SORRY CANT HELP YOU TRY AGAIN NEXT MONTH, I asked for someone else he said there is no one else that can help. I'm so angry with Capital one for putting me late when I know I was never one late. Im thinking to bring this to a lawyer and to count for miss representing my file / I hope you can help
Consumer complaint received 2023-10-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BMO Bank, N.A. (NH)

Bank of the West transferred my RV loan to BMO. BMO is making it difficult to pay the payment without an internal checking account. They will not allow an external checking account to be entered and saved for payment. They told me it was an internal error. We looked it up online and it seems other customers are having the same problem. They have apparently been refusing to take payments and repossessing RVs. I just tried to make a payment using their quick pay service and it was refused. I apparently can not make a payment within 14 days of the last one. This is suspicious and the only way to solve it is to open a checking account with BMO. I just want to pay my bill every month.
Consumer complaint received 2019-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MA)

On XX/XX/2019 Experian sent me an email with a credit report with falsification of my fico scorce from XXXX to XXXX anf from XXXX a from XXXX to XXXX and XXXX from XXXX to XXXX to increase my montlhly subscription from XXXX to XXXX as an upgrade when I just got the XXXX repot last week. Reports are given monthly. Either way this is AGE DISCRIMINATION AND MISREPRESENTION. Experian disgusts me. XXXX fixed it to XXXX amonth and not XXXX forcing an upgrade to XXXX. 
Experian sickens me. I am reporting their financial crimes to the Attorney General.They are to refund the last 3 months of XXXX on account XXXX..they areconly allowed XXXX a month. They are XXXX XXXX XXXX. A call center in the XXXX where fraus is a systematic relations process proves there stupidity. Tell them to go to XXXX.
Consumer complaint received 2022-12-14
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. (TX)

On XX/XX/2022 I sent a letter to Experian explaining I was the victim of identity theft including the identity theft report regarding XXXX XXXX XXXX XXXX XXXX in the amounts of {$360.00}, a collection without an amount. It has been XXXX ( XXXX ) months and no action has been taken to remove these from my account.
Consumer complaint received 2019-04-23
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. (NV)

I am a Victim of Identity Theft On XX/XX/XXXX i have sent a Certified letter to Experian requesting them to block fraudlent accounts from my Credit report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ).

In the letter i included Copy of my Drivers License Copy of my Social Security Card Copy of current utility bill Copy of FTC Identitiy theft report Copy of my credit report ( identifing the fraudlent accounts )  Statement that the information for said accounts are not related to me and are result of identity theft. 

As of today XX/XX/XXXX the fraudlent accounts are not being blocked from my credit report. 

I am attaching the copy of paperwork that was sent to experian in my letter along with the copy of certified mail reciept from usps
Consumer complaint received 2018-10-03
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Roycroft Management (OH)

They did not send a written validation notice ... .they contacted and left message with a family member ... no mailing address was given ( theirs ) ... no collection license # given ... the account id number they gave me:XXXX ... {$310.00} (?? ) owed ... threatened to send someone to my home ... no email given to me ... names : XXXX XXXX, XXXX XXXX ( xt # XXXX ), XXXX XXXX ... XXXX.
Consumer complaint received 2023-06-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Bank of America closed my account for no reason at all out of the blue in 2021 with money in there I got no explanation or money back same thing happened with XXXX.and XXXX that account was fine until it struck negative while I wasnt working due to personal injury ( hit and injured in a XXXX car I was passenger in at the timeXXXX coles my account in less than 30 days .and also with the XXXX XXXX XXXX I followed the co law of habitability and it failed me.got me tossed aside I submitted a complaint with code enforcement they came did nothing even though they seen n documented it being there and the fact it had no windows and is on a second floor .none on second or third floor of that complex has windows
Consumer complaint received 2018-06-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: EVERBANK, NATIONAL ASSOCIATION (AL)

TIAA Bank has informed me that they will no longer allow me online access to my accounts. No reason for this decision has been given. TIAA Bank has also informed me that no only will they no longer allow online access to my accounts, but they will also charge me {$25.00} for a paper copy of my statements, which they call a " research fee '' for a basic account service.
Consumer complaint received 2018-06-18
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: EQUIFAX, INC. (TN)

On XX/XX/2018, I received a notification an my email about a credit account which I have no clue of. I have been a victim of identity theft in the past. Now I have also been affected by the credit breach where my information was breach. I am disputing the inaccurate information on my credit report as an internal dispute and fraudulent. The account that are fraudulent are as follows : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX- XXXX 3. XXXX XXXXXXXX XXXX- XXXX 4. XXXX XXXXXXXX XXXXk- XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. Unknown- XXXX I am disputing the following accounts as fraudulent an internal dispute which takes only 3-5 business days. I will be following up with all 3 credit bureaus in a few business days to assure that these fraudulent and inaccurate information is completely and permanently removed from my credit file.
Consumer complaint received 2017-05-27
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 initiated automatic payments on my  American Express  card and was making the automatic payments every month. In   XX/XX/XXXX , I cha nged banks and went online to update my automatic payment information for my  Amex  card. I received an email confirming my automatic payments but when the due date came and went, my automatic payment did not come out. I received an email from Amex that they did not receive my payment so I logged on the website and it showed I was not enrolled in automatic payments anymore. I immediately paid it manually and had to re-enroll in automatic payments. I was charged a late fee and interest on the balance  (  the card was still under a 0 % interest promo until   XXXX   2017   ). I contacted Amex and was told it takes a month before the new bank would be drafted for the automatic payment so I should have made my payment manually. The confirmation email I received did not communicate that. The customer service rep waived the {$27.00} late fee after I asked and she reviewed my account. However, my card is no longer under the promo interest-free period because my payment was late even though it was not my fault. Amex should be required to notify their customers in the confirmation email they send out that it will take a month before the new bank will be drafted and to make your next payment manually. It appears they purposely do not inform their customers of this so they can make more profit by charging fees and interest.
Consumer complaint received 2021-10-16
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)

I uploaded a identity theft police report to all 3 credit bureaus. And no action has been taken. I want all these fraudulent accounts open up in XXXX XXXX Nevada removed from my credit file. These are not my accounts!!! I uploaded 15 years of Alabama drivers license. I never lived in Nevada. Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  From my credit file Asap!
Consumer complaint received 2018-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (PA)

I searched XXXX on XX/XX/2018 at approximately XXXX for tickets to see XXXX XXXX perform at the XXXX XXXX XXXX XXXX in XXXX XXXX, MD the following night. I responded to an ad and begin texting with " XXXX XXXX '' of phone number XXXX and email address XXXX. I was texting the phone number and I sent a test email to her email address, so they both were active as listed at the time. I agreed to buy the tickets advertised and asked to see a ticket purchase confirmation, which she provided via screenshot. I wanted to pay via XXXX, but she convinced me to use a service called XXXX, which I had never heard of. I researched it, it is a legitimate service, and it was offered by my bank, Navy Federal Credit Union, which made me feel safe. I figured the transfer must be bank to bank, so the receiver of the funds should be traceable by name and social sec number like my account is at my bank. I transferred {$500.00} dollars for four tickets to " her husband '' ( XXXX ), but after the transfer, the email accounts and the cell phone number were both taken out of service. I never received the tickets or any further communication. 

I filed a fraud complain with Navy Federal Credit Union, but they rejected it since I agreed to complete the transfer. That is, it was not an unauthorized withdrawal ( theft from my account without my knowledge or authorization ). 

Since the money went from my bank account to some other bank account via XXXX ( through Navy Federal ), I would think the receiving bank would have some evidence of who opened that account and with what ID / soc. sec. number. 

I would appreciate your help. Thank you.
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital one credit offered XXXX XXXX XXXX. I downloaded there service over a year ago. TO my surprise, the credit scores they give me do not match XXXX, XXXX or XXXX. I am told my credit scores should be XXXX but during a recent auto loan, I was told XXXX? Capital one XXXX XXXX  is misleading. They are not reporting the credit credit scores. Credit wise may be using a 3rd party reporting but they do not disclose that information on the scores showing on the mobile app. Very misleading. WHY PROVIDE MOBILE APP XXXX XXXX IF THE SCORES DO NOT MATCH XXXX, XXXX, OR XXXX? These are misleading factors. 

Therefore, XXXX XXXX is not a true link to the credit reporting agencies. FRAUD on Capital one. 
XXXX XXXX IS ONLY advising of the possibility of your credit but are not linked to the reporting agencies for FICO SCORES. Once again FRAUD for XXXX XXXX.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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.

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 2019-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I was invited to open an account by HSBC. The credit card was opened in XX/XX/2018. At the time of activation I requested that the bank place me on auto bill pay so the minimum amount due each month would be deducted from my bank account. However, despite multiple attempts, they never assisted me in setting it up. After manually making these payments for a few months, I again tried and was told that it had been setup. However, the auto payment for XX/XX/2018 did not go through and without any further notification or attempt to contact me, late payment fees were issued and my account closed. Very unprofessional behavior from a bank that was begging me to open an account with them.
Consumer complaint received 2019-06-23
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: HSBC NORTH AMERICA HOLDINGS INC. (NY)

My Hsbc premier credit card ending in XXXX was compromised and someone used my card starting XXXX to end of XXXX. I called in on mid XXXX to cancel the card and they denied the claim stating that I called in for travel notice and some of the charges are Coming from over seas but I called again for the claim stating I cancelled my plan to travel which I called my card company to let them know and they should have note of it. They had sent the letter stating my claim was denied for not filing police report on XXXX to my previous address which I didnt know it until last Sunday. I had to goto police to file the report yesterday for identity theft and the fraud charges. I asked my bank for interest charge reversal and theyre refusing to do so as the claim was denied which amounts around to XXXX $ Worth and they keep charging the finance charge fee.
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

XXXX and Equifax are showing a derogatory item on my credit reports that was removed from my credit report in XXXX. XXXX XXXXXXXX XXXX is now adding this item as a new debt in XXXX. This is a violation of the Fair Credit Reporting Act. 

I am demanding with this account be removed and receipt of punitive damages, as this is hurting my credit score and causing me time to re-dispute items that have already been removed from my credit report.