davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-28
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 (MD)

Bank of American credit card. 

I have tried working with Bank of America several times regarding two transactions. 

On XX/XX/XXXX I agreed to reserve a 10 person mobile home for an event " XXXX XXXX XXXX XXXX ''. The 10 person trailer was supposed to be available XXXX XXXX - XXXX, XXXX. Nowhere on the charge does it state it was non-refundable. The reservation was with, XXXX XXXX. The mobile home was supposed to be setup and available at the XXXX XXXX XXXX. The amount charged was XXXX. Credit Card transaction reference # XXXX. 

On XX/XX/XXXX I agreed to purchase tickets to the event " XXXX XXXX XXXX XXXX ''. Nowhere on the charge does it state it was non-refundable. The ticket purchase was through XXXX XXXX. Credit Card transaction reference # XXXX. Please see attached documents. 

It was discovered that XXXX XXXX had fraudulently advertised and taken money for an event that was not going to happen. The owners of the event had been arrested and the BBB had publicly notified everyone of the fraudulent activities. Please see attached documents. 

I immediately contacted Bank of America to ask for a refund. They returned the charge dated XX/XX/XXXX onXX/XX/XXXX but after contacting XXXX XXXX they reversed my credit on XX/XX/XXXX,  citing that XXXX XXXX said the event was still going to go on and all charges were non-refundable. 

I have continued to produced documents and statements of how the event was a fraud from the beginning and do not understand why Bank of America consistently is listening to the owners of XXXX XXXX. XXXX XXXX was updating their website to state all charges were non-refundable after they were found out to be frauds. It is well documented in the news that the owners have been arrested on Federal Charges. 

The last advice I was given was to wait until the event date passed to then submit that the event or services were never provided. 

On XX/XX/XXXX I called Bank of America yet again to state services were not rendered and they told me I could not submit another dispute on the same charges that I had previously submitted and that there was nothing they could do for me. XXXX from TN, their representative said there was nothing they could do for me. It was too old and I had already tried. 

My compliant is that Bank of America is not looking out for it 's customers. This will cause me to use a different credit card who will fight for it 's customer. Bank of America should have looked at the details of the complaints and not arbitrarily listened to XXXX XXXX who are obviously out fraudulently getting people 's money. 

I would like Bank of America to provide me a credit against XXXX XXXX 's account since services were never rendered due to this being a fraudulently offer of services never intended to be served.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-09-28
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. (VA)

I 'm wanting to refinance my home but to do so I was told I need to raise my credit score. The last week of XXXX I paid down my credit debt over {$6800.00}, more than what was advised. 
Have through 4 weekly updates and 1 monthly update with no change with the exception of one credit inquiry which immediately dropped my score 2 points.
Equifax is reporting bureau and I have tried contacting them with little success. I keep getting told that I need to look at my account to see when it 's scheduled to update. An as I mentioned already I 've been through several with no reflection of my updated credit information. Example I paid off one credit card completely and it still showed after over a month approximately {$5400.00} on the card.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX Account XXXX : XXXX XXXX : Account Number XXXX XXXX Account XXXX : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX : Account Number : XXXX Account XXXX XXXX XXXX : Account XXXX Account Name XXXX UNKNOWN : Account XXXX Account Name : XXXX XXXX  : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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  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 2017-07-05
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duvera Billing Services, LLC (IL)

I signed up for a financing company to finance engine work done to my car. When i was signing up i was told that the have a 90 day pay off before they apply interest rates. I was also told that it would be 21 % after i signed up. I made 4 months of payments and on the day of XXXX XXXX 2017 i was informed that i have a 199 % interest rate which i never agreed on or signed up for. I was never informed or it was never documented that i would have that interest rate.
Consumer complaint received 2017-09-28
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: CL Holdings LLC (MO)

I have a previously removed collection on my credit report being posted by a different collector for the same inaccurate debt and I would like it removed from the credit bureaus immediately. I have tried disputing the item and it still has not been removed.
Consumer complaint received 2017-07-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (TN)

My mortgage has been with XXXX XXXX XXXX for several years, I requested a mortgage modification with XXXX XXXX XXXX XXXX XXXX of which was in processing until the servicing was changed from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I resubmitted my modification request to XXXX of which it was in processing and my mortgage servicing changed again to Fay Servicing XXXX XXXX of which they are currently processing my mortgage modification request. We have received a property foreclosure notice from the foreclosure Attorney for our property XXXX XXXX. We received the property foreclosure XXXX the XXXX, XXXX. State of Tennessee require the homeowner must receive notice of property foreclosure sale 30 days prior to the sale date of which we a just receiving the notice. XXXX XXXX XXXX is refusing to work with us, they are intentionally trying not to assist us and foreclose on our property. Please Help!!!!!! See Attachment
Consumer complaint received 2020-10-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: First Help Financial, LLC (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2017-09-27
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: EQUIFAX, INC. (GA)

Date:XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Equifax, XXXX I am writing to dispute the following information in my file. ( XXXX XXXX # XXXX ). According to section 609 of the FCRA the item is inaccurate and falsely reported onto my credit file. I am requesting that the item be deleted. 


Again please reinvestigate this matter according to FCRA section 609 and delete the disputed item as it states the consumer has protection against false and erroneous reporting. Furthermore the creditor is responsible for providing a copy of the orginial creditors documentation. I requesting for the items mentioned above be removed immediately. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-28
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. (GA)

I went on XXXX XX/XX/2023 and I noticed my personal information was incorrect. According to 15 USC 1681 everything on my consumer report has to be accurate. Having incorrect information can hurt my chances for upcoming approval.
Consumer complaint received 2017-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MO)

I do n't remember the dates but I know this started 3 months ago. I called Navient and was given a number of a company that I was informed I needed to go through to have the paperwork processed on my loan. I had to make 3 payments of XXXX that was debited directly from my account. 
I received an email a couple days ago from Navient saying my payment was going to be double what I was told on the phone. I now have my XXXX. I know school was not a mistake but having Navient might have been ... I can not afford these ridiculous payments. I 'm not making much more as an XXXX than I did as an XXXX. I certainly would have done my own paperwork to save myself more than 700 dollars if I had known that was an option. The paperwork company is XXXX XXXX. Also, I just noticed that my loan at that time was put in forbearance. I might add although Navient initially connected me with this loan processing company, today they said they ca n't tell me the name of the company over the phone.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

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.

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 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-03-04
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: Credit Karma (NJ)

I have asked for further consideration regarding an increase in my credit score, but as a result I have been retaliated against and my credit scores have gone down over XXXX points. Please notate that photo of a " XXXX '' thumbs up! This photo issued by the credit reporting agency shows discrimination and I am not certain what my next course of action will be.
Consumer complaint received 2017-09-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

My Costumer pay me with a business check ( {$760.00} XX/XX/XXXX XXXX XXXX ) I deposit it by photo in the only bank I have. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX take out the {$760.00} by posting error I try to fix this with XXXX XXXX, XXXX XXXX XXXX, Wells Fargo and The Police Wells Fargo account # -- XXXX accept a ATM deposit and negociate it with XXXX XXXX XXXX. ( I never have an account in Wells Fargo ) So Wells Fargo accept to deposit a Business check in a personal account that dose n't fit the check 's name. ( does anybody can deposit a check without verification? )
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I went on XXXX XX/XX/2023 and I noticed my personal information was incorrect. According to 15 USC 1681 everything on my consumer report has to be accurate. Having incorrect information can hurt my chances for upcoming approval.
Consumer complaint received 2017-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

To whom it may concer ; my name is XXXX XXXX XXXX. <P/>I wrote a check to XXXX XXXX XXXX from my personal checking account with Wells Fargo. I and XXXX XXXX XXXX had an agreement over the phone and I put on back of the check a Restrictive endorsement. The problem is XXXX XXXX XXXX scribbled out the working of the verbiage on back of check. This is the part they agreed to delete this settlement from my credit report. Wells Fargo accepted the altered check and paud them out. I went to 2 different branches and I even spoke to a bank manager today X/X/2017 at the XXXX location and she said they could not return my money even though I told her that Wells Fargo is responsible for paying out when the check has been altered. They refuse to give me my money back.
Consumer complaint received 2020-05-29
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. (VA)

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX opened in XX/XX/2010 for XXXX as a charge off should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.
Consumer complaint received 2017-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Credit Service, Inc. (MO)

I have received another demand lette r, ( {$6400.00} ) th is time from  ARA Inc, for  a debt that was settled ove r three d ecades ago and that is not valid. I periodically receive these letters, and have been unsuccessful in receiving resolution, thus the resurfacing of these demands. I have repeatedly sent written notices disputing the validity of the debt to the various collection agencies, again, to no avail.   XXXX  I have also filed a complaint with the Missouri Attorney General 's office and will be faxing a response to  XXXX   XXXX  a t ARA.
Consumer complaint received 2017-09-28
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. (PA)

XXXX XXXX posted to my credit report that my home was damaged by the recent hurricane in Florida. This information is a lie. XXXX XXXX should not be permitted to post lies on their customers credit reports. This is not the first time this has occurred. They continue to harass me because I complained about how they discriminate against Veterans by violating the Servicemans Civil Relief Act
Consumer complaint received 2017-09-28
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: Harley Davidson Financial Services Inc (GA)

The account that appears below does not belong to me. I have reached out to the creditor and to the credit bureaus about this incorrect information that is reporting on my credit report. I am a victim of Identity Theft I have never ever had an account with these people. I have done all I can do by sending letters, conversations with numerous amount of people to resolve this matter. I am very mentally distraught! How can a person go through something like this and no one to turn to to get this matter resolved. I hope you guys can help me with this because I 'm tired of being dragged by the bureaus and this company.
Consumer complaint received 2021-04-21
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. (CA)

XXXX  continues to report accounts that were never opened by me. 

XXXX XXXX XXXX  # XXXX ( Account incorrectly Reporting on my report. ) I previously owned a XXXX but it was a XXXX XXXX XXXX. I acquired this car in XXXX It was totalled in a car accident in XXXX. I never owned another XXXX. 

XXXX XXXX XXXX XXXX # XXXX ( Account incorrectly Reporting on my report. ) This was a fraudulent account opened back in XXXX. I filed a report with my local police department and the account was removed but it has shown back up two times. I had a authorized user XXXX  account that my mother added me to that she opened in XXXX. 

XXXX XXXX XXXX  XXXX # XXXX This account was fraudulently opened up back in XXXX. I filed a report with my local police department and the account was removed but it has shown back up recently.
Consumer complaint received 2017-09-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MO)

The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

Equifax faced a recent security breach and my data was compromised. They withheld news of the breach so select investors could sell their stocks ahead of the pending fallout.
Consumer complaint received 2017-09-28
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. (VA)

Contacted XXXX XXXX and requested why the credit was pulled twice in two day for the same card. They told me that they cant help me and to call the reporting company Equifax. I called them and they said that I needed to clear that up with XXXX XXXX. 

I 've been getting the run around and both are unwilling to correct this hard hit on my credit card for a single inquiries they have reported two inquiries in error and will not correct it. 

XXXX XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX Hard inquiries in error Thank you for you help in this matter
Consumer complaint received 2017-09-28
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: ERC (TX)

I filed a letter for proof of validation with XXXX XXXX XXXX, XXXX for XXXX The original creditor is XXXX for a debt there saying I owe they sent me a old bill which was n't the correct amount also updated the bill to a recent date of XX/XX/XXXX this has been on my reports for 4 years now if not more I requested the signed agreement ( contract ) for this debt and did n't receive it they deleted the file from my XXXX and XXXX report around the date of XX/XX/XXXX but will not delete from my XXXX report