davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Our accounts with Bank of America were frozen due to a " data breech '' .in XX/XX/2021. We were unable to access any of our accounts for over 6 weeks. The Bank of America did not give us any documentation of the freeze to use to alert our creditors and we had automatic payments bounce. Because of their undocumented freeze, we had to put everything on credit cards for over 6 weeks and pay late fees on payments to our creditors. We have had to open accounts at another bank because Bank of America would not even assist with reestablishing our accounts under new numbers. I have since learned that they should have provided us with credit report protection and assistance with the creditors to explain the delay in payments and confirm the validity of the freeze as part of a data breech. We have had increasing credit rate reductions since XXXX XXXXwhich seems to be falling monthly even though we are up to date on our payments with automatic withdrawals through our new bank. 

My complaint is with the lack of formal documentation of the breech and our accounts being frozen and our online statements being wiped out to even know which payments were made or not during that time before and during the freeze. There was no customer support or even a claim number to refer to in the system according to the bank due to it " being under investigation ''. 
As a further result of this breech as of XX/XX/2021 I received notice that someone has appllied for unemployment benefits in my name and social security number in Illinois. 
When I notified the credit reporting companies and my local pollice to get a report # I was strongly recommended to also report the bank to your agency. 

Please let me know what else you will need from us to follow up with the Bank of America and their shady " data breech '' protocol that has now damaged our credit rating and provided NO support or assistance to repair our credit rating and the interest we had to pay on our credit cards due to lack of access to our funds for an extended period of time ( +6 weeks ).
Consumer complaint received 2022-04-09
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. (TX)

I HAVE FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INCORRECT ACCOUNTS ON MY CREDIT REPORTS. I HAVE YET TO RECEIVE ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT RECEIVED ANY RESPONSE. 

INITIAL DISPUTE DATE XX/XX/2022 30 DAY DEMAND DATE XX/XX/2022
Consumer complaint received 2021-07-08
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. (SC)

On XXXX I sent a letter regarding inaccurate and unknown information on my credit report. To this date, over 30 days later I have not received a response. I feel like I am being taken advantage of and being ignored with my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to remove those inaccurate items from my credit report. It has been over 30 days, so they should be deleted immediately. I demand those accounts to be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX Open date XXXX Balance $ - XXXX XXXX XXXX XXXXXXXX Open date XXXX XX/XX/XXXX Balance {$1400.00} XXXX  adjustment Open date XXXX XX/XX/XXXX Balance {$2300.00}
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion allowed XXXX XXXX XXXX to place a XXXX XXXX XXXX expired judgment as a collection account on my credit report. This collection agency misled and misrepresent information to different reporting agencies such as XXXX, XXXX ). I have disputed with all agencies to remove this negative reporting from my profile which they have complied and removed the negative reporting using the court document I provided. This court document is also attached for your review. 
As of now, TransUnion has not remove it from my credit report.
Consumer complaint received 2021-07-08
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I called Bank of America at XXXX XXXX XXXX to report unauthorized charges for several attempts of {$1200.00} and {$1000.00}. I complied and answered all questions asked by the agent. The total of my opened claim came to {$6000.00} on XX/XX/2022. On XX/XX/2022 I called the number again to check the status and request provisional credit because I need to pay bills. The agent escalated my claim because of hardship. Today, XX/XX/2022, I log on to check my claim status and its been denied, not paid. I am upset because this is a large amount of money. Please help.
Consumer complaint received 2022-04-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (KY)

My business : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, KY XXXX XXXX XXXX We contracted with greensky , llc. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX ; XXXX ( XXXX ) XXXX Our Account Executive : XXXX XXXX XXXX ( XXXX ) XXXX direct ( XXXX ) XXXX mobile We entered into contract with greensky to offer financing for our customers/homeowners. We are an XXXX  company and sell XXXX XXXX XXXX XXXX XXXX. We sell XXXX  equipment to homeonwers, and greensky finances the project. Greensky deposits the funds into our bank account less greensky 's fees. 
The fees are pre-negotiated and are contractual. 
Greensky is charging more in fees than we are signed up for, under contract for, obligated to. Greensky is ripping us as a business off.

Greensky is 100 % aware of this ; they know that they owe us a refund. We have yet to see the refund. 


On XX/XX/XXXX we accepted the rate sheet sent to us by XXXX XXXX. Our first sale was processed XX/XX/XXXX. We emailed our rep XX/XX/XXXX because the fees were incorrect. We have since processed another loan on XX/XX/XXXX. On XX/XX/XXXX we emailed our rep because we were charged more than what the fees were supposed to be, again. 

What has happened since we signed up for greensky 's lending program : XX/XX/XXXX greensky funded a loan, and the fee should have been 4.5 % ( plan XXXX ) or {$240.00}. We were charged {$500.00} ( 9.35 % ). Difference of {$260.00} that they owe us. 
XX/XX/XXXX greensky funded a loan, and the fee should have been 7.75 % {$550.00} ( plan XXXX ), but greensky charged {$940.00}, a difference of {$350.00} that they now owe us. 

I have attached the rate sheet of what we signed up for, and you can clearly see what the merchant fee ( cost to my business ) should be. I also attached our current rate sheet that shows all the plans that we offer and what the merchant fees are. 

As of the date of this complaint, we are owed a refund in over-charged fees of : {$600.00}
Consumer complaint received 2020-11-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG HOLDINGS INC (MO)

They are misleading and very intrusive with there buisness I have not paid the first payment nor will I make any payment they are accessing all my private info on my phone and accessing info and charging people way more then what the items are worth and making transactions that are not agreed upon cause they are misleading and disguising there fraudulent scheme through there agreement policy.
Consumer complaint received 2022-04-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (WI)

I have received over four calls per day from Comenity Bank on several dates. I spoke with them today about violations to the FDCPA, which allows seven calls in seven days. They have called more times than this, as evidenced by my phone records, which I am happy to provide. When I spoke with them about the repeated call, the 'supervisor ' told me that there was no such restriction on calls in Wisconsin , only in Maryland and they were allowed to call me as much as they wanted. They were rude and aggressive and in clear violation of the allowable number of phone calls.
Consumer complaint received 2021-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-08
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 — Problem with personal statement of dispute
Company: ProCollect, Inc. (TX)

PROCOLLECT , INC opened the collection account on XX/XX/XXXX on behalf of XXXX XXXX XXXX XXXX XXXX  for the amount of {$1800.00}. This company never contacted me until they reported me to XXXX  in XX/XX/XXXX. This is an unfair collection because I terminated my lease under Section 92.054 ( b ) of Texas Property Code due to an unlivable condition in my apartment unit that last for two weeks ( XX/XX/XXXX - XX/XX/XXXX ) due to electric outage and flood from the winter storm. The Texas Governor 's Office also issued a disaster declaration on XX/XX/XXXX. The apartment management was unwilling to move me to another unit without paying extra, which I have that right as a tenant. Additionally, water removal and moisture mitigation were improperly done, resulting in molds and more water. I decided to exercise my right and terminate my lease under Section 92.054 ( b ) of Texas Property Code, which provides the right to terminate the lease without penalty as well as to receive pro-rata refund of the rent and the security deposit. All I wanted was to have a place in a livable condition that this apartment complex failed to provide. 

I have also tried to dispute this report through XXXX  but without success. I believe that XXXX  has violated violated the Fair Credit Reporting Act.
Consumer complaint received 2020-11-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX desperate transfer XXXX  XXXX credit card debts they could not reconcile or proof to XXXX XXXX XXXX XXXX to avoid conforming to FTC guidelines and to keep incorrect information on my credit report. It is a tactic adopted by XXXX and XXXX trying to avoid the sixty days ruled, failure to proof legality of debts, manipulation, and fraud. 

I received statements that reflected large returns of XXXX  transactions and actual credit lines never provided neither a spending of cash/cash equivalents reconciliation of large deposits. I did not get any increase in credit lines to reflect the uses of those large return. For this reason the XXXX XXXX XXXX  credit cards accounts should be deleted in good faith because it does not full conform to FTC guidelines by law. 

In addition, XXXX has transfer accounts to XXXX XXXX collection to avoid liabilities for desperate and manipulated reporting of non variable information on my credit report.
Consumer complaint received 2022-09-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (FL)

Collection Agency Name : Nationwide recovery sys, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX balance : XXXX $ A letter was sent to the company to validate my account, on XXXX XX/XX/2022, And NO response my request.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/2023 Hello I am filing a report regarding my credit file on all 3 bureaus. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. 


Name of Account | Account Number | Provide Physical Verification XXXX XXXX XXXX XXXX  | XXXX | Unverified Account XXXX | XXXX | Unverified Account XXXX XXXXXXXX | XXXX | Unverified Account XXXX XXXX | XXXX | Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 
Thank You,
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I XXXX XXXX submitted an affidavit to Experian regarding violations that arose from an account Experian is reporting without my permission or written consent pursuant to 15 usc 1681b. ( 2 ). Experian did respond to the affidavit but they updated the account as accurate saying they did an investigation.Pursuant to 15 usc 6181a ( e ) Experian did not do a complete investigation as it would entail an interview with my neighbors or my family, In which they did not do. Experian has violated my right to privacy as a federally protected consumer.Pursuant to 15 usc 1681b ( e ) i elected to have my name and address excluded from any list provided by the consumer reporting agency in connection with a credit transaction not initiated by me. Pursuant to 15 usc 1681a ( 2 ) ( b ) Exclusion the consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, Pursuant to the Truth and Lending Act we know the term credit card means any card, plate or coupon book or other device existing for the purpose of obtaining money or property labor or services on credit. Experian has failed to comply by the laws governed by congress which has caused me adverse action.Pursuant to 15 usc 1692c Experian did not Cease the collection of this alleged debt and continued to report and furnish data without my my consent, Pursuant to 15 usc 1692k Experian is Civilly liable for damages sustained.Pursuant to 15 usc 1681n they are in violation and liable for willful noncompliance
Consumer complaint received 2021-08-13
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. (MO)

The account that I had was charged off in XX/XX/XXXX. Reported as so until I actually called the lender on XX/XX/XXXX and paid the balance on the account. They changed the closed date of the loan to XXXX instead of of leaving it alone. Now it appears as though I have a late payment in XXXX which is not the case. I contacted the company on XX/XX/XXXX and asked them to correct it. The XXXX stated that it was reporting correctly, that they did not consider the account closed until I actually made the payment.
Consumer complaint received 2021-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (KS)

I applied for and received a Citibank double cash credit card. On Saturday, XX/XX/2021 I was having difficulty setting up and using the Citibank online site. A phone number was provided by the site for assistance. I called the number, and a representative asked multiple questions about the account and about my information. He then said that he was going to generate a 12 digit number and I was to call a phone number he gave me and give them this number to fix my account. I called, and a prerecorded message about a mental health facility came on. I hung up. I then was notified that a charge of {$0.00} was added to my credit card from a XXXX  site. I had not incurred this charge and filed a dispute. I then called the phone number on my credit card to verify that the original number I called from the website was a legitimate Citibank number. I was told that the original number I called was indeed a Citibank call center. However, the agent told me that the other phone number the agent had me call was not a Citibank number, and she also told me that the twelve digit number was not something citi bank did. I knew at this point that the original agent had set me up for a scam. The new agent on the phone closed my current card and reissued me a new card with a different number. I was advised that the new card would arrive today by XXXX, and that this should solve the problem. However, this morning ( XX/XX/2021 ) I got an email notice that a charge of {$2.00} from XXXX XXXX XXXX, XXXX  Mn was made on my account ending in XXXX. My old credit card was a different number. I have not even received the new card, let alone activated it. I called Citibank and was told, that this charge was a recurring charge and was therefore transferred from my old card to the new card. So obviously getting a new card was going to do nothing to prevent this fraud from continuing. I told the agent that I wanted to close the account permanently. She indicated that because this was a new account and wasnt completely set up yet, that she couldnt close the account. She asked that I call back on Thursday to close the account. I asked to speak to her supervisor. He confirmed what she was saying. So I told him I would not activate the new card, and I went online and locked it. I also related to him how all of this transpired after the first call to the citi agent about the website. I told him Citibank has a problem if they have scammers in their call centers. He said they would investigate. I think that Citibank has some very serious issues in their credit division.