davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently pulled my credit report and to my amazement, saw that you recently have decided to report me 30 days late on my XXXX account in XX/XX/2018. I have previous credit reports from both agencies pulled in XX/XX/2018, and neither one of these reports show me late in XX/XX/2018. Not only was I never late on this account, but according to the FCRA, as amended by the FACTA act, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I contacted your company and talked to a supervisor ( XXXX XXXX direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. He promised to send me a payment history of my account. I never received such documentation. The results of my XXXX  dispute and my TransUnion dispute have just come in, and both say verified. How is this possible? You werent able to provide me with anything. Reporting inaccurate information is also a violation of the FCRA. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for reporting inaccurately.
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted this company many times to remove all hard inquires because they do not belong to me. their customer service would not help and take care of the negative inquiries reporting to my credit report.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America was fined {$250.00} XXXX by CFPB for botching the disbursement of state unemployment benefits at the height of the pandemic. Bank of America automatically and unlawfully froze peoples accounts with a faulty fraud detection program, and then gave them little recourse when there was, in fact, no fraud. I was sent a form stating if I received financial harm between XXXX XXXX thur XX/XX/XXXX from these action please submit documents. I sent BofA receipts from hotels, storage units, Ive sent them documents were I didnt full fill my payments on rent and was ask to leave. Ive sent supporting documents from the credit union regarding my vehicles being charged off on my credit for non payments. Ive sent them supporting documents showing them my credit card was charged off due to non payment. This have cause me and my family a great deal of PAIN. My credit went from XXXX to the low XXXX. All because on XXXX XXXX, XXXX I walk into BofA and made a complaint and on XXXX my complaint was denied without any due process from them using a faulty fraud detection program. On XXXX I submitted my documents to be compassionated for my financial harm. On XXXX I had to submit more documents. I did that 58 days ago. Since then Ive been getting stone wall for my compensation. Its been 75 days since my initial claim. Ive called and tried working with BofA on the matter and I am not getting no luck in the response.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (FL)

My sister in law lease a XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX , XXXX. I was her co-signer and we signed the contract at XXXX XXXX XXXX. When the lease ended she decided to purchase the vehicle and went to XXXX XXXX XXXX where on XX/XX/2018 she signed by herself ( I was not needed as a co-signer ) the sale contract ( attached ). My sister in law received a letter from XXXX XXXX/Ally dated XX/XX/XXXX congratulating her for the purchase of the vehicle and giving instructions on how to create an online login to manage her account and make payments. She did so and made the payment. XXXX XXXX XXXX XXXX XXXX has been reporting the lease account ( of the same car which has been purchase ) as opened and with payments delinquent. I contacted them explained that the car had been purchased on XX/XX/2018 and that it was financed by XXXX XXXX/Ally and asked them to contact that department since it was XXXX. They told me that XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are not the same company and are not related. They also told me that I had to contact XXXX XXXX/Ally and ask them to send the payoff or verify if they had possibly sent it with the wrong information which would explain the delay. I called XXXX XXXX Ally and they said that the payoff check was sent to XXXX XXXX XXXX. This confusion between these 3 companies has been damaging my credit and my sister in laws credit. Incorrect derogatory information has been reported and I feel disrespected and helpless as a consumer. A sales contract was signed ; a down payment check was cashed by XXXX XXXX XXXX ; the first payment has been made to XXXX XXXX/Ally ( account is current ) and yet XXXX XXXX XXXX XXXX XXXX is reporting the lease of the same vehicle as delinquent. Please help us resolve this very serious issue.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I received a negative hit on my credit report on a credit card I did not open. This Bank of America card was opened and mailed to an address I had not lived in for almost a year. I called Bank of America on XXXX and registered a complaint. I asked who authorized and was not provided an answer. I was assured it would be handled in 30 days and I would receive a report/confirmation in the mail. 
XXXX has dropped the negative hit. 
NOTE : Amount owed on credit card was annual card fee and penalty. 
XXXX has received another report from Bank of America-60day late- and score has further dropped. I called XXXX to dispute. I called Bank of America back on XXXX and was advised to wait until the end of the 30 days, should be cleared by XXXX. They stated request still processing/being investigated. 
I called Bank of America today as XXXX credit reporting still has a negative 2 payment late strike. I was told by Bank of America that I DID NOT report fraud on XXXX, but I " simply talked about a credit card that wasn't mine '' They are now stating they have up to 90 days to investigate and it could take even longer. 
I asked to speak to someone to review this misinformation and was told I could only speak to the person on the phone and there was no recourse but to wait until Bank of America investigated and decision was made. 
I have no idea what decision they are referring to. I did not open this card and was mailed to an old address. Nor have I received any statements, ever. 
Bank of America opened this account without my knowledge or permission.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

On XX/XX/2023 and XX/XX/2023 I requested online and by phone Equifax to lift my credit file freeze. Their website incorrectly posts my information as incorrect. Their phone authentication process is difficult and impossible to navigate. Equifax rejected my multiple requests to lift my credit file freeze. I am unable to recall my past credit history because I have a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and need help to unfreeze my file. Equifax did not offer to help me. It's my credit file!
Consumer complaint received 2023-11-29
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. (SC)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

XX/XX/XXXX I contacted XXXX and Equifax to remove the free trial they wouldn't do it, told me if I didn't pay the XXXX my credit file will remain closed and locked, if this is legal tell me how to go about moving to another country cause this by far is against the law
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Bank of America illegally withheld rightfully earned rewards on XXXX of the credit cards I have with them. They did not allow me to redeem rewards where the transactions were completed successfully and shown on my statement. Instead bank of American decided that I was a risk and closed my accounts. I have been with them for more than 5 years with the same activity throughout those years. Bank of America not paying rewards to customers who have rightfully earned them is illegal. Bank of America has been penalized before for wrong doings like this and it seems they just keep on repeating said violations. XXXX XXXX XXXX XXXX XXXX XX/XX/2023.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Ive disputed this multiple times, with credit bureaus. The balances on Equifax and XXXX are different. Also, the charge off amount fluctuates monthly to different amounts which makes my credit score lower each month this happens. XXXX XXXX XXXXXXXX restricts adding to the balance of the charge off account which is grounds to sue XXXX XXXX XXXX for violating state laws.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I am not liable for this debt ( charge off ) with Citibank and do not have a contract with XXXX They do not provide me with the original application like I asked. Citibank never sent a statement to my house and to change the address with them I required giving them a verification code which arrived at my previous address mail so I couldn't get it because logically it is a crime to open a mailbox that is not mine, the customer service is BAD since you can hear noises in the background and cant hear support team voices, they never even believed that I was the owner of my own account and they didn't even ask for Drivers license verification, SSN, Or something to prove the account ownership, Citibank literally wanted me to open the mail from my previous house without permission, which is illegal. Therefore I demand to this account be deleted from my credit report. FOR IDENTIFICATION PURPOSES THE CLOSED ACCOUNT CREDIT CARD NUMBER WAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I am not liable for this debt ( charge off ) with Citibank and do not have a contract with convergent. They do not provide me with the original application like I asked. Citibank never sent a statement to my house and to change the address with them I required giving them a verification code which arrived at my previous address mail so I couldn't get it because logically it is a crime to open a mailbox that is not mine, the customer service is BAD since you can hear noises in the background and cant hear support team voices, they never even believed that I was the owner of my own account and they didn't even ask for Drivers license verification, SSN, Or something to prove the account ownership, Citibank literally wanted me to open the mail from my previous house without permission, which is illegal. Therefore I demand to this account be deleted from my credit report. FOR IDENTIFICATION PURPOSES THE CLOSED ACCOUNT CREDIT CARD NUMBER WAS : XXXX XXXX XXXX XXXX EXP DATE : XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/2018, I upgraded my XXXX XXXX retail store card ending in XXXX to their Mastercard ending in XXXX. When the upgrade occurred the balance on the old card of {$760.00} was transferred to the Mastercard. 

Unfortunately, when the old account ending in XXXX was closed an update was not sent to the three major credit bureaus in XXXX showing the account closed with a XXXX balance. 

The last reported date for the old account is XX/XX/2018 with the following history : Balance : {$760.00} Date of Last Payment : XX/XX/18 Amount Past Due : {$0.00} Min Monthly Payment : {$27.00} At this point in time, the current information documented at the Credit Reporting Agencies is incorrect and should be updated.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, the list of account has violated my federally protected consumer rights to privacy and confidently under the 15 USC 1681. According to statue 1681A 2a1 of the fair credit reporting act, they are to exclude my transactions. This account ( s ) are in clear violation of my consumer rights by including these transactions. My payments are considered transactions. This is a defamation to my character.

Law 15 USC 1681 Section 602A states I have the right to privacy.

Law 15 USC 1681 Section 604A section 2 states : It also states a consumer reporting agency can not furnish accounts without my written instructions.

Law 15 USC 1666B states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-29
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 (WY)

Subject : Consumer Complaint - XXXX XXXX XXXX XXXX XXXX. 

Dear Team, I am writing to file a consumer complaint regarding a recent transaction with XXXX XXXX XXXX XXXX XXXX, a company located at XXXX XXXX XXXX, XXXX, CA XXXX. 

I placed an order for an XXXX  part with XXXX XXXX XXXX XXXX XXXX, for which I paid {$1500.00}. However, after XXXX weeks, I was informed that the item could not be sold at the initially agreed-upon price, and the company demanded an additional {$3000.00}. I declined to proceed with the purchase and requested a refund of the original amount paid. 

The company stated that they could only issue a refund via check, as opposed to a bank transfer or credit card refund. Despite this assurance, I have not received the promised check, and the company has ceased responding to my emails. This situation has left me concerned that I may be a victim of fraudulent practices.

Below are the details of the transaction : Company : XXXX XXXX XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX, XXXX, CA XXXX Product : XXXX  part Initial Payment : {$1500.00} Requested Additional Payment : {$3000.00} Refund Method : Promised by check I believe that the company 's actions constitute deceptive business practices and a breach of our transaction agreement. The failure to provide the agreed-upon refund and the lack of communication raise significant concerns about the legitimacy of their business practices. 

I kindly request that the Federal Trade Commission investigate this matter and take appropriate action to ensure consumer protection. I have attached relevant documentation, including proof of payment and correspondence with the company, for your reference. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-29
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. (MD)

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. 

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 has violated my rights, under law 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 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 2023-11-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I got an offer for {$350.00} if I opened a 360 checking account & had 2 eligible direct deposits. 

The offer was shown to me while I was checking my credit card. It was a little pop up that described those terms & then it had a claim now button or accept offer button on it. 
I clicked on it & signed up. Then, that day, submitted the request to my job to have 45 % of my checks deposited into the account ( about {$800.00} on average ), biweekly. 

After a few weeks, my partner ( who I told about the offer and had sign up ) received the XXXX, but I had not.. for some reason. So I called and asked why. They told me Id have to call back after a couple of MONTHS because it was an error entering the code on ( my ) part. The phone operator was incredibly rude & short with me. I called back & got told a date that was about 3 weeks sooner, so I was mildly more happy. Still did not understand why I needed to jump through these hoops to get an advertised offer, however. 

I then called back on the day she told me to, after planning my finances around the situation. While in XXXX, and on our last {$50.00}, I called the day I was directed to & all of a sudden, I had to wait a few more weeks again because they couldnt submit an override yet? When I asked to speak to a supervisor, she also told me that they could not submit an override yet & I expressed interest in closing my account.. seeing as already they had done a few shady things & it didnt seem like a good company to be banking through. 

Another aspect of the account that was appealing to me was the early bank deposits. I usually get my check on Thursdays, but they said theyd be able to get it about 2 days sooner. 

Prior to my last call with them, I always got it at around XXXX XXXX XXXX on Tuesday nights. 
With my first check since the phone call, for some reason the check is not even a pending charge & the other 55 % is pending to be deposited to my other account later today. Which leads me to believe they are now retaliating against me because of the previous phone call. 

I believe this company is making fraudulent claims and acting in a very dishonest manner. They enticed me into a bank account with them & have yet to fulfill their promise, even after I have called 3 times to get it sorted. I would not have signed up for the account had they not promised those two things & now they have taken them away.
Consumer complaint received 2023-11-29
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)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX