davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My initial chargeback claim with Bank of America for items not recieved was denied due to a bank error, 4 months after provisional credit was issued. The sudden unexpected reversal of the provisional credit caused myself and my family an undue hardship. I contacted Bank of America 's dispute claims department and requested for a new claim to be filed since the initial claim was filed under the wrong classification. I had already contacted the merchant who was in full cooperation and ready to comply with the chargeback. I was transferred to a supervisor in the dispute claims department named " XXXX '' he declined to tell me his last name. This supervisor XXXX flat out refused to open a new claim for me, he instead told me that I had to wait for my initial claim to be " reconsidered ''. I submitted all evidentiary paperwork in advance, the claim was a cut and dry easy resolution but XXXX flat out refused to process it for me in a timely manner despite my explanation of my temporary hardship situation. He basically told me that he would get around to it whenever he felt like it. I was apalled by his rude and blatant disregard towards me. This supervisor XXXX has literally deliberately refused to process my claim for no other reason but because he can. The merchant is waiting to hear from BofA so this matter can be resolved, its been two weeks now and we are still waiting unecessarily because of a rude and childish supervisor who flat out refuses to do his job for certain customers whom he deems to be " less worthy ''. This supervisor XXXX 's attitude towards me was callous, highly unprofessional and outright disrespectful. Every other employee with BofA that Ive spoken to has been wonderful, polite and helpful. XXXX insisted that they were all misinformed that he alone was the final word. Im shocked that BofA would tolerate that kind of tyrannical behavior from their supervisors, not only towards their fellow employees, but towards clients as well.
Consumer complaint received 2023-08-08
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: CITIBANK, N.A. (NJ)

ON XX/XX/XXXX, I received an alert advising me I had a new credit inquire on XX/XX/XXXX from Citibank na, source XXXX. XXXX XX/XX/XXXX I called XXXX XXXX reported agency and explained that I had no knowledge and I did not apply for anything and was told by the rep that they nothing XXXX can do, that I had to contact the source, I called the number associated with the inquire listed on XXXX report XX/XX/XXXX and was transfer giving different numbers to called, I finally spoke to someone on the same day and was giving a little information after the rep put me on hold and spoke to new application, I was told that they were no new accounts and no new applications from me with my social security number, so there is no record of this inquiry on XX/XX/XXXX but it was reported to XXXX XXXX XXXX on XX/XX/XXXX. after speaking with muplie people the issues is not resolve and I am still left not know where and who and how it was reported.
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (NY)

Goldman Sachs was supposed to send me additional documents to verify my identity. I was told when I applied that this would be sent to me during the application process. Instead, I have been declined because they claim they can not verify me but never sent any additional documents. I have received many different answers from a number of associates. Based on their lack of solutions or help, it is apparent to me Goldman Sachs is discriminating against me for some reason. Very shocking given my XXXX credit score
Consumer complaint received 2021-11-21
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. (NY)

A few years ago I got in contact with TransUnion by phone in order to report and remove a previous address I had on file with them. My other XXXX credit reporting agencies did automatically remove this information but TransUnion has not removed it and it has been there for years. I have never lived in that previous address that is still being reported with them and this is incorrect.
Consumer complaint received 2021-03-03
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$17000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account.
Consumer complaint received 2021-03-03
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. (MO)

XXXX XXXX reporting wrong info on credit report i sent u info proving its incorrect yet still will not fix ur XXXX XXXX this has been disputed several times and corrected several times this needs to be fixed right
Consumer complaint received 2020-07-09
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: PLS GROUP, INC (NY)

On XX/XX/2020, I received a check from my employer in the amount of {$1000.00}. I used my bank mobile app to deposit the check. I wasn't sure if the mobile deposit when through properly, so I contacted my bank ( XX/XX/2020 ) through their online chat and spoke to a representative. I asked was their a check in the amount of {$1000.00} pending. I was informed that there wasn't one pending. After I got the information, I decided to cash the check at a local PLS check cashing place instead of using the mobile app again. Later that day, the check that I was told wasn't pending, actually was, and deposited in my account. Now I have cashed the same check twice. I contacted my bank immediately and told them the situation, and I was informed the check that was deposited will be returned within 2-3 business days. 2-3 Business days pass and the mobile check was never returned. Friday ( XX/XX/2020 ), I called my bank back, told them the situation again, and I was informed the check should be returned in a few days.Then on Monday ( XX/XX/XXXX ) I get a call from PLS, the check cashing place I went to cash the check at, and was informed that I need to return the cash because the check " had been returned unpaid ''. I told them I would return the cash. I contacted my bank and informed them that I would be returning the physical cash to the check cashing place and no longer needed them to return the mobile deposit. I was told, since I'm returning the cash, no further action will be taken on my account and I don't have to worry about the money being taken out. Later that day, at XXXX XXXX, I returned the cash to PLS bank. Then later that same day, my bank took the money out my account as well, after telling me they wouldn't. Now I'm completely out of my check. I was informed by my bank, I need to get in contact with my payroll at my job to get a replacement check. I was informed by payroll that I can not receive a new check until the funds are returned to them, and on their end, the funds state " Paid ''. After two weeks of discussing it with my payroll and XXXX, we discovered that PLS Check Cashing Services processed the check and were paid. I contacted them this morning and told a representative from PLS the situation and I was informed they never received the money from XXXX, so they can't send the money to me, until they receive the payment from XXXX. But XXXX is stating the money was already paid out to PLS.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

There is an inaccurate mortgage reporting late that I re financed and paid off on time. The lender has it on time with Equifax reporting on the payment legend every month but then marked it late on the payment status as 90 days late, it is totally wrong and hurting my credit. Pleased see that this gets handled ... ... ... ... XXXX XXXX. 

This could be very embarrassing for me with my employer XXXX
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I have Been having some issues with someone accessing my credit file and I would like to request a credit freeze/block all access to my file and contact me at my phone XXXX XXXX XXXX or email me at XXXX I need a PIN for all my credit reports ASAP.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I was enrolled in school and did not have to pay back my loan st the time. However, I got charged a late fee. Ive tried getting this resolved but the late fee shows up. Being that there are various XXXX  loans it shows as if I have various late payments its not accurate or fair that this is on my credit report
Consumer complaint received 2021-03-03
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. (FL)

I was enrolled in school and did not have to pay back my loan st the time. However, I got charged a late fee. Ive tried getting this resolved but the late fee shows up. Being that there are various XXXX loans it shows as if I have various late payments its not accurate or fair that this is on my credit report
Consumer complaint received 2021-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Applied Business Services, Inc. (NC)

This complaint is in response to the recent reply of case # XXXX submitted on XX/XX/XXXX with a response on XX/XX/XXXX which I have attached for reference. 

First of all, this company stated that they sent me mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no response about a collection placed with them on XX/XX/XXXX. This company stated that they sent letters to an address that does not belong to me nor have I ever lived at the address they stated they sent the letters to. I have attached my driver 's license to show what my address would have been at the time they claimed to have sent the letters and you will clearly see that if they did indeed send such letters then they went to the wrong address. So not only would I have never received said letters which is a problem in itself, the bigger issue is that since they sent these letters to the wrong address then my medical information has been exposed because who knows who was on the receiving end of those letters. This is a violation of my HIPPA rights. No one should have access to my medical records other than the providers who treated me. This company also stated that they called me multiple times with no answer. So they basically admitted to harassing me about this alleged debt since I did not give them permission to call me pursuant to 15 USC 1692c ( a ). This company states that they received my request for validation on XX/XX/XXXX and that they requested an itemized statement from their alleged client. They then state that said statement was mailed out on XX/XX/XXXX to the same incorrect address that the other 4 letters ( previously mentioned at the top ) were mailed to. So instead of sending said statements to the address listed on my initial complaint or the address listed on the certified mail return receipt, they sent it to an incorrect address again, which exposed my medical information again. So at this point my HIPPA rights and right to privacy has been violated 5 times. They state the itemized letter was allegedly returned to them and that they have now sent said letter certified mail to the address they should have sent it to the first time if they really wanted me to have the documents validating this alleged debt. So as you can see I never got the request for validation of this alleged debt so that is a violation of 15 USC 1692g for furnishing an unvalidated debt. This company also harassed me as they said in their own words by calling me multiple times without my permission pursuant to 15 USC 1692c ( a ). This company also took a private matter and made it public by reporting it to consumer reporting agencies, so they are advertising this alleged debt to coerce payment which is in violation of 15 USC 1692d ( 4 ). Pursuant to 15 USC 1692c. ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this account be zeroed out immediately and that this account be immediately deleted from all consumer reports.
Consumer complaint received 2023-03-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I am writing to dispute the inaccurate information that has been reported on my credit reports by XXXX XXXX. According to my credit reports, the account number XXXX was reported as a revolving account by XXXX and Equifax, while XXXX reported it as a credit card account. Moreover, XXXX reported a {$0.00} monthly payment, while XXXX and Equifax did not disclose it. XXXX and Equifax also reported a balance of {$0.00}, while XXXX did not. 

Based on the details provided, XXXX XXXX has violated the following sections of the Fair Credit Reporting Act ( FCRA ) : Section 607 ( b ) - Requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information in the consumer 's credit file. 
Section 623 ( a ) ( 1 ) ( A ) - Requires furnishers of information to consumer reporting agencies to provide accurate and complete information about the consumer 's account. 
Section 623 ( a ) ( 2 ) - Requires furnishers of information to correct and update information about the consumer 's account when they are notified of errors. 
Section 623 ( a ) ( 5 ) - Requires furnishers of information to report the date of last activity on the account accurately. 
Section 623 ( a ) ( 7 ) - Requires furnishers of information to report the balance on the account accurately. 
Furthermore, the Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 ( a ) ( 7 ) requires consumer reporting agencies to disclose all information in a consumer 's file, including the payment history and any dispute comments. XXXX XXXX failed to disclose the {$0.00} monthly payment to XXXX and Equifax. 

This inaccurate reporting has had a significant negative impact on my life. It has made it difficult for me to obtain credit or secure loans at reasonable rates, even though I have been financially responsible and timely with my payments. I have been denied credit for a mortgage, car loan, and other essential needs because of the false information on my credit report. This has caused me a great deal of stress and anxiety, and it is unfair that I am being punished for errors that are not my fault. 

Therefore, I am requesting that XXXX  XXXX immediately remove the unverified collection accounts from my credit reports, in compliance with the FCRA and FACTA. I also urge the CFPB to enforce legal action against XXXX XXXX to ensure that they are held accountable for their violations and that this issue is not repeated for other consumers. 

Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I am a victim of identity theft. I submitted my police report, copies of my drivers license and social security card and a letter to Equifax detailing the fraudulent accounts ( XXXX XXXX  XXXX XXXX & XXXX XXXX XXXX ) that are reporting in error in my credit report. I referrenced the Fair Credit Reporting Act Section 605B in my correspondence to Equifax and requested that the fraudulent accounts be blocked pursuant to federal law. Equifax did not complete this request in the 4 days as required by law and rather opened a dispute and verified fraudulent accounts by confirming my name and date of birth, both of which have been compromised. Equifax continues to disregard federal law by willfully reporting erroneous information on my credit profile that continues to cause me harm both financially and mentally. I have not benefitted nor did I authorize the accounts that Equifax continues to report after being notified by myself and law enforcement that are fraudulent ( XXXX XXXX XXXX XXXX & XXXX XXXX XXXX ).
Consumer complaint received 2023-01-30
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. (NY)

I was reviewing my credit report with the three credit agencies, XXXX, TransUnion, & XXXX with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted more explanation on. 

I am not 100 % sure if the following accounts are accurate or indeed even mine. I received the disputes back and they did not provide any documentation stating these were indeed my accounts. 

I also noticed there are inconsistencies with what is listed per agency ( see attached documentation ). 

Per the Fair Credit Reporting Act whereby law, I have the right to challenge anything I am not sure is accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX  # XXXX 15. U.S.C. Sec 1681i ( a ) States if the credit agencies can not provide proof, the accounts must be deleted. I did not receive any proof or verification showing that the accounts were indeed mine.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15.U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act my rights were violated. 

Thank you so much for your assistance with this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent letters to XXXX, XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX XXXX XXXX is the company that is reporting to XXXX and they were able to remove it to TransUnion and XXXX. And for XXXX is the company is the company that is reporting to TransUnion and they were able to remove it to XXXX and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.