davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I received an invitation from Bank of America to open a bank account that promised a {$350.00} bonus upon completion of the terms. The terms were that direct deposits totaling {$4000.00} would be deposited within 90 days of account opening. We completed that end of the agreement well before 90 days, and should have received the bonus in our account on or before XX/XX/XXXX. When that did not happen, I called a BOA representative around XX/XX/XXXX, and she apologized and stated that the bonus should deposit within the week, perhaps was delayed by the holidays. Mid-XXXX we still did not have the deposit, so I called back and was referred to the Digital Services department of BOA. Once again, they looked over the account, noted that our end of the deal had been met, could not explain the error, but promised it would be " escalated ''. I called back again on XX/XX/XXXX and spoke with XXXX in Digital Services ( XXXX ), who now thoroughly apologized, also could not explain the failure to deposit the bonus, stated he could see the {$350.00} bonus sitting in some sort of holding account, but did not know why their automatic system did not release it. He promised it would be deposited by XX/XX/XXXX, which is today. It has still not been deposited to our account. I can not seem to get any further with Bank of America, and feel they have reneged on their own offer. I need help resolving this issue. I have all of the emailed correspondence from BOA displaying the original offer.
Consumer complaint received 2020-02-20
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: CITIBANK, N.A. (IN)

Ref : Citibank MC Account # XXXX XXXX I need to dispute 23 Florida charges because they are not authorized nor initiated by me. I also was not in Florida and did not sign for them. They are fraud. I logged into Citi website and found unauthorized charges on XX/XX/XXXX, and then saw that my card was missing. I then closed the card and report these charges as fraud online on XX/XX/XXXX. 


XXXX XXXX XXXX {$9.00} XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX XXXX {$16.00} XXXX XXXX XXXX XXXX {$10.00} XXXX XXXX XXXX XXXX {$10.00} XXXX XXXX XXXX XXXX {$3.00} XXXX STORE {$3.00} XXXX XXXX XXXX {$53.00} XXXX # XXXX {$14.00} XXXX XXXX XXXX XXXX {$67.00} XXXX XXXX {$14.00} XXXX XXXX   XXXX {$11.00} XXXX XXXX {$4.00} XXXX XXXX XXXX XXXX {$69.00} XXXX # XXXX XXXX   XXXX {$45.00} XXXX XXXX {$9.00} XXXX XXXX XXXX {$59.00} XXXX XXXX XXXX {$29.00} XXXX XXXX XXXX XXXX {$6.00} XXXX XXXX XXXX {$4.00} XXXX XXXX XXXX XXXX {$24.00} XXXX XXXX XXXX XXXX {$6.00} XXXX # XXXX XXXX XXXX {$31.00} Please investigate and credit my account for these 23 unauthorized charges ( dated XX/XX/XXXX to XX/XX/XXXX ). You need to reverse the charges while you investigate. I did not receive goods or services. If you require a fraud affidavit, then you need to mail it to me. I consider this letter an affidavit of fraud. It has been over 30 days since reporting it. I have faxed and emailed letters. I have chatted online. I am now filing a complaint. I have never experienced such a difficult process from a credit card, and will not be using your card in the future. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Recovery Services, LLC (MS)

I have a debt on my credit that is reflecting very negative. I have contacted the debt collectors and have no received a response or letter with my signature stating that I owe this debt. It has almost been 30 days i need it removed.
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a G.M. Card that Capital One is administrating. Every XX/XX/XXXX is my anniversary date. In the past and what I paid in XX/XX/XXXX I received my 5 % credit toward a new GM Car. This past XX/XX/XXXX. I had unusually high expenses for me and I did not get the 5 % credit. I called in and I was told that there were problems with their bills. I called in XX/XX/XXXX. and received the same answer. I finally got 5 % credit for my XX/XX/XXXX. Bill When I called about XX/XX/XXXX. I was told that they ( Mr. XXXX ) will put in a ticket. I just called again and the voice mail said that my anniversary date is nowXX/XX/XXXXXXXX  and when I spoke to some girl she said its XXXX. She said that she can't do anything about it and also told me there aren't any supervisors for me to talk to. I would like to get my 5 % credit ( my bill was for {$1600.00} and 5 % of that is {$80.00} ). This was the 4th time I was told someone will call me. When I asked for a ticket number for the complaint I was told there aren't any ticket numbers. Can some one please help me.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX inquired on XX/XX/24 and XXXX XXXX XXXX XXXX XXXXXX/XX/24. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Consumer complaint received 2021-02-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAND HOME FINANCIAL SERVICES (PA)

XX/XX/XXXX After 3 attempts to register a complaint, I have been directed by XXXX XXXX XXXX to file my complaint with the company that the mortgage was transferred to and sold without my knowledge. 

I do not know how XXXX can not be held accountable, as they issued the attached document advising the owner of the property, who is incapacitated, and not her guardian, myself of the transfer of the mortgage. 

Please see the attached document that was sent to the address of the property that was sold on XX/XX/XXXX without my knowledge. It was not sent to me as her legal guardian. 
As I have expressed previously, my address was given to XXXX XXXX XXXX as caretaker of the property and as my mothers legal guardian. The only correspondence from Land Home Financial was sent to this address where it was never received by XXXX nor myself. 
I had no knowledge of the transfer of this loan until the property was sold at a sheriffs sale and upon registering a complaint against XXXXXXXX XXXX XXXX, they provided me with a copy of this document. Landhome financial never contacted me at any time by mail, phone nor email. All of these contact methods XXXX had on file. 

I would like to know how this property could be sold without Landhome financial ever contacting the owner nor myself as XXXX XXXX XXXX daughter and legal representative.
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I called this company in XX/XX/2019 I made payment arrangements they have been taking {$190.00} every month faithfully without missing a payment and its being on time. They told me this year they would not be taking my income tax I just looked and they took all my money and they did it last year to after Ive been making payments faithfully not only that they did not update my credit report accurately every month it says not on time when I have proof with my bank account my bank statements showing Ive been taking XXXX out automatically every month how is that fair? My name is XXXX XXXX My phone number is XXXX this is not fair Ive done everything they told me to do and they still took all my money they lied to me and theyre not updating my credit report.
Consumer complaint received 2020-02-20
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)

This account should not be on my credit report. I disputed this account as it does not belong to me and please verify it. But, they refuse to remove it. I also contacted XXXX card services as well, and they refuse to remove it from my credit report. 


Account name XXXX XXXX/XXXX XXXX   Account number XXXX .... 
Recent balance {$430.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$430.00} written off. {$430.00} past due as of XX/XX/XXXX.
Consumer complaint received 2021-04-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

Car loss accident the dealer I purchase the car from unable find my account because company was sold to new owner without my vehicle leasing info. Dealer not able to find my warranty and gap info in time. Car purchased with gap insurance and extended warranty I was charged additional fees due to Nissan dealer investigation time and mistakes. I am charged more than {$2000.00} additional fees due to Dealer s not able to find the car info. I want Nissan to remove the additional charges and report the mistake to the credit bureau.
Consumer complaint received 2020-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (TX)

In XX/XX/2019, I received a phone bill from XXXX XXXX XXXX   in the amount of {$500.00}. I have not opened an XXXX XXXX XXXX account and neither did my husband so we were taken back by this. I started looking online and there were a lot of forums with others stating the same thing happened to them and it was fraud. I contacted the XXXX XXXX XXXX fraud department to notify them of this unauthorized account and that it was not me that opened it but the fraud representative was so rude, I thought it was from a scam company ( as I have been scammed before ). She stated that considering the information matched, she had to report it as not fraud and I would be liable for the bill. 
I then contacted the XXXX XXXX XXXX customer service number to ensure the fraud number was actually connected to them and to see what else I needed to do. The customer service rep assured me that it was the correct number and I would need to speak to them. The next few times I called, the wait time was so long I ended up calling the customer service number again. This representative notified me that the account was flagged as fraud and that it seems like everything was in progress already. 
I then received a final notice in the amount of {$4800.00} in XX/XX/XXXX. I contacted the customer service team again and they still assured me that the account was still flagged as fraud. 
I then received a notice that the bill would be sent to collections. 
I contacted the XXXX XXXX XXXX fraud department again and they stated the account was marked as fraud because they believe it was fraudulently opened by me and I was not paying my bills. Once I realized XXXX XXXX XXXX would not perform their due diligence to properly investigate, I went to file a police report. I called the fraud department to inform them of the report, gave them the report number and still nothing was resolved. 
I have since then faxed the police report to the XXXX XXXX XXXX fraud department and started a second dispute with the credit agencies to have this collections removed from my credit report. I have also mailed the report to XXXX. 
The XXXX Co Sherriff 's department is currently working on the investigation and has already found more information about the numbers listed and accounts then XXXX XXXX XXXX did in 6 months. The collections agency will not change any of their information as long as XXXX XXXX XXXX is  stating the account was started by me. I feel as if they do not care about ruining someone's credit history or good standing because they only care if they receive the money, no matter how the account got opened. It has been a very aggravating process with XXXX XXXX XXXX and I feel completely mistreated. According to forums online, I am no where close to the only victim as this situation is blasted all over the internet that others are going through as well.
Consumer complaint received 2021-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I have been trying to get someone to listen when I say that this XXXX XXXX XXXX bill is not mine I never lived in the property they said the bill was was supposed to be. I have also been trying to get this 3rd party company to take it off my report along with all 3 agencies A third party can not report on your report and all 3 agencies are letting them do it over and over and over again. I WANT THIS STOPPED NOW. I have disputed this till I am sick of it. Legal action is next!!
Consumer complaint received 2020-02-20
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: GENTRY FINANCE CORPORATION (UT)

CONVNIENT LN # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.
Consumer complaint received 2020-02-20
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc. (NJ)

Throughout the entire process this company ( American Financial Network Corp in  New Jersey ) has been misleading, negligent, and void of communication. They told me to get insurance for Friday ( XX/XX/2020 ) because we are still closing on that date. I asked multiple times, " are you sure we are still closing on Friday. '' " Yes, we're closing, I'll keep in touch. '' Nobody reaches out for information. I have to continuously call. We went over the FIRST closing date ( the week before ) which is resulting in re-inspections that we, the buyer, are now paying for so we can have the CO. So at this point we are out {$1500.00} an they are now telling us we are not closing on the XXXX. They are a terrible company and should be avoided at all costs. We have been working with this company for almost 6 months and its been false promises, misleading information, ineptitude, and a thorough lack of communication the entire time.
Consumer complaint received 2021-04-17
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. (OH)

I looked my credit reports up & noticed a few incorrect accounts. They do not belong to me. The accounts need to be deleted from my credit reports immediately. Once again, this affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX.
Consumer complaint received 2016-03-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo continually charges me {$35.00} on XX/XX/XXXX for each overdraft used via my debit card. I have repeatedly requested that if the money is not in the bank to decline the transaction. Do n't charge me {$70.00} to decline the transaction. Please process as soon as possible. As always, I truly appreciate being represented by the federal government, specifically the Consumer Financial Protection Bureau. Thank you kindly.
Consumer complaint received 2024-02-12
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. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX account # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-23
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. (MD)

This is my 8th request to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning do not connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$860.00}
Consumer complaint received 2020-02-20
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me a email that I needed to take action. I immediately pulled my credit report and saw a outrageous amount of items that were opened under my social security number. Its upsetting that anyone would all these things using my information. These fraudulent items are not mine. 

DEPTEDXXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$13000.00} DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX XXXX {$2200.00} DEPTEDXXXX XXXX {$4500.00} XXXX XXXX {$4500.00} XXXX   XXXX {$6000.00} XXXX XXXX XXXX XXXX {$470.00} XXXX/XXXX XXXX {$5500.00} XXXX  XXXX {$4500.00} XXXX XXXX XXXX {$57.00} DEPTEDXXXX   XXXX {$1700.00}
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

Experian is reporting 2 accounts from XXXX totaling {$2000.00}. I have no knowledge of these accounts. I received no goods or sevices from this company. These accounts should be deleted. The other agencies deleted these accounts.