davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I filed the a dispute XXXX XXXX for not getting services as advertised and / or not satisfied with services received at the XXXX that had a charge on my Bank of America Visa for {$1200.00}. It was supposed to completed in 60 days. I received a notice via email their was an alert via my email the beginning of XXXX. I could not access it via their App and I had signed up for any important dispute mail to be snail mailed. I received this notice to complete a detailed letter in my mail on XXXX and BofA wanted the info back XX/XX/12 and veterans days was going to interfere with the mail along with the Covid delays. My husband called on XX/XX/12 and was told the info was uploaded, but had not been attached to my complaint. I trusted all was taken care of until I received an email alert a few days later. By then I signed up to receive complaint information online and I figured out their App doesn't have it, but only their web. I saw my complaint had been denied and they denied ever receiving my info by mail. I was told if it was ever received the claim would be restarted so I faxed it three different times, plus they had it mailed. I'm not sure which fax they finally acknowledged or if it was the the mail, but it was faxed once by a local BofA in XXXX and twice by different efax apps. I received two letters that my claim was denied as I had not sent the " cancelation agreement. '' I called about a week ago and said a cancelation agreement has nothing to do with my claim, I gave detailed info that is being ignored. The customer service agent said my claim had been misfiled and she was refiling it under the proper claim as I had actually received services. I said if they could receive pics, I would send them, and I would appreciate my claim taken seriously. Obviously they have only played games with it as barely a week went by when I received another denial based on them not having a cancelation agreement which is irrelevant.
Consumer complaint received 2021-12-07
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2019-03-18
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)

To Whom It May Concern, On XX/XX/2018 I am being hit with a hard inquiry I never authorized said Inquiry from XXXX. I never signed any paper or document allowing them to run my credit. I would like this removed from my file. Unless further proof can be shown. I have no knowledge of this.
Consumer complaint received 2022-10-08
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. (FL)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that he information is inaccurate.
Consumer complaint received 2021-12-07
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)

To Whom It May Concern, Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
I Authorize all authorities to check my credit report to remove all Fraudulent Accounts And Inquiries. PLEASE HELP ME THIS IS AN ONGOING ISSUE AND YOU GUYS ARE MY LAST LINE OF DEFENSE. I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2021-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance One, Inc. (IL)

AllianceOne is a collection company that works with XXXX  Department of Revenue. At the end of XXXX, I received notification from XXXX  Dept of Revenue about tax that they claimed I owe on my XXXX taxes. They based this claim on my federal XXXX tax transcripts. After multiple phone calls and more than six months of trying to get an explanation about this discrepancy, it was pointed out to me by an IRS Taxpayer Advocate that it was the result of an error I made carrying numbers over from Schedule E to Schedule 1 and the 1040 in my XXXX tax forms. The IRS reformatted their tax forms in XXXX, and I accidentally carried over the total to the wrong line on the new 1040. I also missed the correct line on the new Schedule1 altogether. This created a discrepancy in my income, but didnt create any additional tax owed to the IRS XXXX so they never notified me or attempted to resolve it. The XXXX  Department of Revenue, however, desperately clinging to the possibility of collecting an extra {$500.00} from me, have sent me to collections. I have submitted to them my corrected and signed federal XXXX 1040X forms, along with a renewed IL XXXX tax formwhich stayed the same since the error was only on the federal forms. I also included a letter explaining where the discrepancy was and how it resulted from an error in carrying over income to the wrong line on the newly formatted tax forms. I also wrote a letter to AllianceOnewithin 30 days of them initially contacting meexplaining that this collection account was the result of a simple clerical error on my part. I explained that I had submitted all the corrected and signed forms to both the IRS and the XXXX  Department of Rev. I also explained that I was advised by the Taxpayer Advocate at the IRS to expect that it would take anywhere from 8 months to a year-and-a-half to have the transcripts updated. Since I submitted my original taxes in hardcopy paper form, I had to submit the correction in hardcopy form as well. As the Taxpayer advocate explained it, IRS had trucks upon trucks full off taxes waiting to be processed. AllianceOneas well as XXXX  Dept of Revenueare well aware of this delay and my inability to do anything about it. Yet I get harassing phone calls starting at XXXX from AllianceOne demanding payment. I have explained to them on multiple occasionsaside from the written letterthat this is an error and all the documents have been submitted to both the XXXX  Dept of Rev and the IRS. I am waiting for the documents to be updated by the IRS. I am certain they have documentation of this by this point. Their actions point to nothing more than harassment and intimidation in an attempt to collect debt that doesnt exist.
Consumer complaint received 2019-03-18
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: CAPITAL ONE FINANCIAL CORPORATION (OK)

On the date of XX/XX/2019, I went to a auto company ( XXXX XXXX XXXX  in XXXX, OK ) hoping to finance a car through them. Going in their oblivious to what they were trying to pull, they said things to me that weren't true. They told me they needed money ( {$100.00} ) to put an application through, which was false. They also told me and advertise, that they in fact do not run credit. Me being a first time buyer, heard that and went through with it. Turns out, they ran my credit and it left me with a hard inquiry on my credit report. Had I been told, they in fact will run my credit, I would've walked out the door. Me and my mother both called them, and the sales man told me they do not run credit, yet my report says otherwise. We asked to speak with the manager or supervisor and he then said they do run credit and he will speak with the salesman about the false information he gave me. Apparently their was nothing more they can do at that point. Very ignorant, lazy, and poor communication going on in that business. They clearly just wanted to make a sale and took advantage of a first time buyer.
Consumer complaint received 2022-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX has violated my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 1s-2 ( A ) ( 1 ) A person shall not furnish 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 2018-12-14
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. (NC)

on XX/XX/XXXX XXXX took 21 points from because of XXXX XXXX XXXX now that my account is back to XXXX balance and out of collections i only received 3 points back. It's not right how they can take so much points from a person and then give them back 1-3 points after its corrected.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

DENYING ACCESS TO CREDIT REPORT AFTER FILING COMPLAINT ALLEGING DISPUTE AS REASON FOR DENYING THE CONSUMER ACCESS TO THE REPORT.
Consumer complaint received 2022-04-07
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: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (GA)

On XX/XX/2022. I noticed an unusual report on my credit report. And because of that, I lost almost XXXX points on my credit score. A company called XXXX XXXX XXXX XXXX, also going by the name XXXX XXXX XXXX showed up on my report for collections with a balance of {$2300.00}. Not only I have never heard of that company before, but I also never contracted that balance with any company.
Consumer complaint received 2022-07-14
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)

I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX CT XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (AL)

Dear Chase, I would like to report Credit Card Account ending in XXXX in my name ( XXXX XXXX XXXX ) as fraudulently opened. 

I did not authorize this account to be opened in my name and ALL transactions on this account were done by XXXX XXXX an extended family member and were done without my permission and, therefore, were fraudulent. 

Furthermore one of my many bank accounts were used for all the payments for this credit card account, therefore, I would like all payments made on this account returned to my Bank Account given said transactions were made without my permission and the account was opened in my name without my permission as well. 

Please immediately mark all transactions on this account as fraudulent as well as remove me from being liable for this account, and return all payments to my bank account used for the chase credit card account, and mark the creation of the account as fraudulent and as it being an account opened having stole my identity. 

Thanks. 

XXXX XXXX XXXX
Consumer complaint received 2022-09-26
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: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses 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. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 2022
Consumer complaint received 2022-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Sec
tion XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-26
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: EQUIFAX, INC. (MI)

My problem is with the firm handling the Equifax breach settlement. My wife handled freezing our credit reports at XXXX and XXXX after the breach and learning on the Equifax site that both of our personal data may have been stolen. ( My wife 's definitely was. ) In XX/XX/2022. THREE YEARS LATER, the settlement firm requested additional info supporting my claim for the {$20.00} we paid to place freezes at XXXX and XXXX. We submitted all the info but they denied {$10.00} because our submission was deemed deficient. I am uploading, now, what we sent them as documentation and my accompanying letter. Our credit card statements showing the charges for the freezes should be sufficient. Thank you for forcing them to be reasonable.
Consumer complaint received 2022-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I have been contacted by Portfolio Recovery Associates , LLC via mail on XX/XX/2022 regarding a debt in the amount of {$8200.00}. The account number listed under " Account Details '' is XXXX. I do not have any responsibility for the debt Portfolio Recovery Associates , LLC is trying to collect. I do not have or have previously had an account or relationship with this company. I have sent Portfolio Recovery Associates , LLC a dispute letter by mail and email regarding the letter received. They have also been deceptive in trying to intimidate me by mention of a lawsuit. Portfolio Recovery Associates , LLC has reported inaccurate, invalidating and misrepresenting information to the consumer reporting agencies, in doing so have violated my rights and the provisions of the FCRA.
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO Bank, N.A. (NY)

I have credit card account with BMO Harris bank. 
My payment due was XX/XX/XXXX, this year and I paid in time. 
But when I checked my account online at XX/XX/XXXX, I did not see any payments but saw late payment fee of {$25.00} posted at XX/XX/XXXX. It was on the middle of the day, day was not ended but company tried to steal my money in advance. Beside that they made report to credit company ant it decreased my credit score. 
Please set an investigation about so called practice of this company and take the license from them away. And I want to be compensated for affected score. Money was paid in time I have proof and screenshots.
Consumer complaint received 2022-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance to Fair Credit Reporting act. The list of accounts below has violated my federally consumer rights to privacy and confidentially under 1

5 USC 1681.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section States : No consumer reporting agent 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 7 years. 

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2020-10-06
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: Experian Information Solutions Inc. (LA)

XX/XX/2019, XXXX XXXX  agreed to do a pay for delete on a charged off bank account I had. Once I paid, they refused to follow the proper chains to have everything deleted. They are a rip-off.
Consumer complaint received 2022-10-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (GA)

Dear Ally Financial I, the consumer and natural person, was denied credit by Ally Financial when I applied for a Auto Loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Ally Financial due to the response I received. Ally Financial is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Ally Financial. If Ally Financial fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Ally Financial criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. I will also follow up with an invoice for said violations ( {$10000.00} } per violation ). Thank you. XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the account being reported were erroneous. I sent a letter to the Credit Bureaus oin XX/XX/XXXX to request an investigation and correction of the Erroneous accounts on my Credit Report. The 3 credit bureaus must validate these accounts in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$1300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$22000.00} Date Opened : XX/XX/XXXX