davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I signed up for a free trial for XXXX XXXX cream which claimed that for {$4.00} a sample of their product was to be delivered to my house. 

This scamful, deceitful company sent 1 bottle of their supposedly sample cream and charged my account at 4 different times ; twice for {$53.00}, and twice for {$88.00}. 

Not only is the company indifferent to the fact, but my calls get dropped by their " customer service '' agents. Bank of America claims that due to me receiving a small sample of the cream that was supposed to be {$4.00}, that I'm held liable for the charges incurred. 

As I do research for the company that is running this deceitful scam, the amount of reviews from people having the same issue as I do is surprisingly high. 

My account is now overdrawn for {$230.00} since the charges where put back in my checking sccount due to the claim being closed and will most likely being incurring another {$36.00} for their overdrawn fees. This is very overwhelming. 

Bank of America isn't doing anything at all to help resolve this and they clearly know the issue at hand. I just don't know what to do other than bring this injustice to the law.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XX/XX/2021, I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Consumer complaint received 2018-06-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Altisource Portfolio Solutions, S.à r.l. (NE)

A man with an XXXX ( country of XXXX ) accent called and asked for a name I do not know. When I finally was able to get him to tell me what he was trying to do, it became clear that he was trying to pressure me into paying someone else 's debt. He said I was this other person 's contact to pay it. He was lying and should be sent to prison for this tactic.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to report a case of identity theft, as I recently discovered unauthorized XXXX XXXX and XXXX XXXX credit cards were opened in my name without my knowledge or consent. I have taken immediate steps to address this issue by contacting the respective credit card companies and placing fraud alerts on my credit reports. I am filing this report to request a formal investigation into these fraudulent activities and to assist in any necessary actions to apprehend those responsible
Consumer complaint received 2018-06-09
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

First of all I went to open and account and they told me that is was some check got deposited in my account which I had no idea that check was in my account cause I dont use check at all and they told me it was fraudulent on my account so then they told me to get and touch with yall my information have got stolen that why I have identity on my record so could you please help me
Consumer complaint received 2018-01-09
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

this orignal account was paid and agreed to be removed from my credit reports. when disputed with XXXX and XXXX,,, this account was removed from my account,,, however,,, XXXX continued to continue reporting this as accurate information even though i had disputed correctly and given documents of proof.
Consumer complaint received 2020-05-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (KS)

Submitted a credit report entry dispute related to XXXX Complaint XXXX ( XXXX XXXX XXXX ) to Equifax by letter dated XX/XX/2020 stating that the debt collection company failed to provide, and has admitted they can not provide, the legally required " Validation '' information to support their claim. The letter incorporated CFPB example letter text, plus known federal/state law requirement criteria. All communications to and from the debt collection company were included in the information submitted to Equifax. 

As of this date, XX/XX/2020, Eqifax has never replied with a response ( 82 days ).
Consumer complaint received 2018-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion will not respond to my dispute. I have been in contact with XXXX to remove these or provide validation that they do indeed belong to me. By showing a copy of a sign d contract. When I sent in a dispute for these things transunion sent me a copy of my credit report. Not even acknowledging that they will indeed open the dispute. When i call the representative does not see an open dispute. I do not think they have opened any of the disputes that I have placed. They just keep putting account verified. But they will not respond to any of my correspondence. 

My first dispute was on XX/XX/2017. I sent it certified mail and I got the letter notarized. They just said verified. I sent in another letter stating that the accounts were not validated. They said nothing. I sent in another letter and they sent me a credit report. I sent in a fax and have heard nothing.
Consumer complaint received 2018-01-09
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. (GA)

I recently disputed a tax lien from XXXX County filed and paid in XX/XX/XXXX. The date paid is incorrect. This is the only credit bureau out of the 3 that have not removed this inaccurate information from my credit bureau report. I spoke with an overseas representative last month and received a new credit report that states this information will remain until XX/XX/XXXX! 

I contacted the company and they advised me that they are not reporting this information to any credit bureaus. This should be removed from my credit bureau on XX/XX/XXXX. This is reflected on XXXX and XXXX and not being reported currently. 

Thank you in advance. 

XXXX XXXX XXXX
Consumer complaint received 2018-01-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I BECOME AWARE THAT CAPITAL ONE AUTO FINANCE REPORTED IN MY CONSUMER CREDIT REPORT A BALANCE DUE AMOUNT OF {$6800.00}. THIS VEHICLE WAS ILLEGALLY IMPOUNDED WITHOUT MY CONSENT OUTSIDE MY POSSESSION. THE VEHICLE WAS SOLD IN AN AUCTION BY THE TOWING COMPANY. THIS ALLEGED DEBT WAS CHARGED OFF AND I HAVE NO MORE OBLIGATION TO PAY SUCH INACCURATE AMOUNT AND AS PER 26 US CODE SUBSECTION 166- ( Worthless Bad Debt within the taxable year )
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has closed all of my accounts without my consent. It includes all of my checking, savings, brokerage and credit card accounts. I have paid everything off on top in full. On top of that, they have not let me withdrawn any of the credit card points that I have earned with them. I have accumulated XXXX points, which is worth at least {$2500.00}.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Equifax and XXXX should not be reporting me as an authorized user on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report and this negative reporting is harming my credit score and the line item needs to be removed from my credit report.
Consumer complaint received 2018-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I NOTICED IN MY CONSUMER CREDIT REPORT THAT A LIEN IS FILED ON XX/XX/XXXX WITH A CASE NUMBER XXXX AND AMOUNT OF {$18.00}, XXXX AND XX/XX/XXXX WITH A CASE NUMBER XXXX AND AMOUNT OF XXXX. I AM UNAWARE AND HAVE NO KNOWLEDGE OF SUCH CASE. 
I FILED A CHAPTER XXXX BANKRUPTCY THAT WAS DISCHARGED ON XX/XX/XXXX. THE ALLEGED LIEN HOLDER FAILED TO FILE A PROOF OF CLAIM DURING THE BANKRUPTCY MEETING OF THE CREDITOR.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-12-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WI)

Prior to XXXX, I was on an income-based repayment plan. When I had to submit documentation for renewal, they refused to accept it and my first notification was months later when they demanded payment that well exceeded my total monthly income. When contacted, they played word games and demanded specific wording to process my XXXX. I provided such, and was notified yesterday that I had new documents, but was unable to access them as there was no link on their website to do so, and the direct link in the email dropped me at a landing page. 

Today I got another demand for payment with a link that finally allowed me to view the documents, which apparently were about a refusal to process my XXXX as now that they had my documentation explicitly for the renewal of my XXXX, they claimed I did n't request an XXXX.
Consumer complaint received 2024-02-15
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (AK)

On Monday XX/XX/2024 I made a purchase at Kohls in XXXX, Alaska. The clerk told me I could answer " Yes '' to XXXX questions and then receive a discount on my purchase. I asked her if this was for a credit card and she said " No ''. She said I didn't have to get a card if I didn't want to and the questions would allow me to get a discount that day. 

I completed the questions. She had to call someone to verifiy something. She then tells me that she can't give me the discount and someone would be calling me. She mislead me into thinking I was apply for a store discount program, and not a credit card. 

I received that call XXXX  days later. The person on the phone said I had applied for a store credit card. I explained I had not.
Consumer complaint received 2018-01-09
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 (FL)

I submitted a dispute against Capital One to all 3 credit reporting agencies. Capital One advised XXXX to DELETE Capital One account from my credit report. XXXX has deleted all information about my Capital One account as if the past 5 years of excellent credit with them did not exist. Capital One does not have the right to have any information deleted from my credit report!!! And the credit reporting entity should not have deleted information without consulting me first.
Consumer complaint received 2017-10-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (FL)

contacted citi bank about a email i got on XXXX XXXX email from XXXX and citi bank .Stating I HAVE FUNDS Aa over due payment USD XXXX CITIBANK. I SHOULD CONTACT Citibank contact CITIBANK XXXX XXXX sq. XXXX, Kentucky XXXX XXXX XXXX XXXX XXXX XXXX email XXXXXXXXXXXX web site www.citibank. com wanting my info end of letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX., dc XXXX XXXX, XXXX I called Citi bank number asked for fraud dept. They put me thru to a foreign country, they asked me for my dept card number they did not understand me. i ask to be transferred to a XXXX XXXX. Real bad could help me they me another number for fraud. This was the XXXX .THEY TOOK MY INFO .REF NUMBER XXXX XXXX said i should let you know. ps DOES ANYBODY CARE XXXX XXXX XXXX thanks
Consumer complaint received 2021-01-24
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. (FL)

I have sent letter after letter and filed so many disputes concerning these accounts so my lawyer told me to file these papers before i take the three bureaus to court.. The three bureaus have played these games. They have my ID and social so please dont try to play this game that you cant confirm my identity or its not filed by me. Please remove these accounts asap ... Thanks
Consumer complaint received 2018-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rickart Collection Systems, Inc. (FL)

I have a collection account listed on my credit report by a debt collection agency RickArt Collections Systems collecting on behalf of XXXX XXXX. RickArt is not licensed to collect in the state of Florida and therefore I am disputing this collection account.
Consumer complaint received 2018-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. It has been over 30 days and they have yet to verify these accounts. According to Section XXXX ( XXXX ) ( A ) of the FCRA, they are required to Promptly delete all information which can not be verified that I have disputed. This includes a list of inquiries that i also did not consent too. Please resolve this manner as soon as possible. Thanks.
Consumer complaint received 2018-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Every time this Publisher - XXXX XXXX sends me my royalty deposit they are not mentioned correctly in the legal ledger of the bank. The say content distribution. I am the only one to get royalties. There is no other distibution. What is going on is one employee changing the deposit information. The bank should clearly know who is sending it a deposit for a customer not a vague discription. The company should be the only one sending me money for my book with XXXX XXXX titled - The XXXX XXXX XXXX XXXX. It could be making thousands and a bank teller could be giving me a dollar and say it is content distribution and not the direct name and discription. I need the right description for my account deposits. 

Mailing Address XXXX XXXX XXXX XXXX, IN XXXX Toll-Free Phone Number XXXX Fax Number XXXX News Media Contact XXXX XXXX PR Department XXXXXXXXXXXX From Bank of America below my consistant editing of my account to tell them and XXXX I need things specifically idetified when receiving deposits. Is it that easy to hide content, by just describing the content of a deposit as content. This is something that needs to be made specific other wise any one could hide money by not describing who it came from or the amount. I need my account ledger correctly noted. Now I can see how banks likes XXXX can be dishonest. 

XXXX/XXXX/XXXX Hideadditional information for activity type deposit XXXX XXXX  XXXX : PAYABLES XXXX INDN : XXXX XXXX CO ID : XXXX PPD Edit Description activity type deposit status type icon cleared Cleared. Select to mark activity type deposit XXXX XXXX XXXX XXXX : PAYABLES XXXX INDN : XXXX XXXX CO ID : XXXX PPD as Reconciled XXXX XXXX Type : Deposit Description : XXXX XXXX XXXX : PAYABLES XXXX INDN : XXXX XXXX CO ID : XXXX PPD Merchant name : XXXX XXXXSelect toEditthe merchant name Transaction category : Income : Paychecks/SalarySelect toEdit
Consumer complaint received 2021-02-08
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: TD BANK US HOLDING COMPANY (KS)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, TD AUTO FINANCE add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2018-01-09
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (IN)

A letter, dated XX/XX/XXXX, was sent to One Main disputing the account. This letter was received by One Main on XX/XX/XXXX, as evidenced by USPS Tracking number XXXX. On XX/XX/XXXX, I checked all three of my credit reports and the One Main was not shown as being disputed as required by FCRA 623 ( a ) ( 3 ). 

I sent a second letter to One Main advising One Main of their failure to show the account as disputed on my credit reports, a violation of FDCPA 807 ( 8 ), and asked that this account be removed from my credit reports. This letter was received by One Main on  XX/XX/XXXX as evidenced by USPS Tracking number XXXX. 

On XX/XX/XXXX, I received a letter from One Main, dated XX/XX/XXXX, stating that the account is now being reported as disputed, 49 ( forty-nine ) days after One Main 's receipt of my original letter.