davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I opened two fraud cases with Bank of America after I was scammed by individuals who took control of another Bank of America owners account. I transferred {$24000.00} to the hacked account over several days and made the final {$6000.00} at a Bank of America branch office. I open a fraud case within 8 hours of the final transfer and before the transfer had cleared ACH. Bank of America failed to freeze the suspect account and allowed the transfer to clear and the scammers to withdraw those funds. I received no relief from Bank of America and feel they failed to protect their customers from fraud in this case. I feel the banks anti fraud systems should have flagged the unusual activity on the high jacked account and should have prevented this string of events from occurring. Bank of America replied to my 2 fraud complaints stating the bank completed the transactions per my request and did nothing wrong. I need Bank of America to explain how an elderly owners account can be taken over by scammers and unusual activity failed to trigger their anti fraud processes. XXXX XXXX XXXX XXXX and need some explanations in this case. Thank you
Consumer complaint received 2022-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (WA)

Debt was paid to Zales Commenity Bank and the company refused to drop the debt. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XXXX
Consumer complaint received 2022-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

XXXX I noticed there were three deposits made to my account by someone I didn't know in the amounts of {$200.00}, {$200.00}, and {$300.00}. I contacted USAA and asked to have the funds returned to the sender. I have the original chat transcript to prove what was said. 
XXXX I received three letters confirming that the amounts of {$200.00}, {$200.00}, and {$300.00} were returned to the sender. 
XXXX USAA debited {$850.00} from my account and sent it back to the original sender without my authorization. I was told that the representative made a mistake when he disputed the other three transactions on XX/XX/XXXX and added this one as well. I immediately contacted USAA and told them that the {$850.00} was an authorized transaction and should not have been returned. I was told that a dispute was opened and should be settled within 10 business days. 
XXXX I contacted USAA again to let them know I hadn't gotten my {$850.00} back yet, and they said it was all settled, and I had been contacted, which was not true at all. No one had attempted to call or email, and there were no letters in the document inbox on USAA.com. I was told another note was made and to call back on Tuesday if the money wasn't back in my account. 
XXXX I called USAA back, and after explaining what had happened, I was told that more research needed to be done, and another dispute was filed to get this {$850.00} back. I was also told that because the transaction was via XXXX, I had to contact the original sender to have her resend the money to me. She and I are no longer in contact so this is not possible. I explained again that USAA made the mistake of debiting {$850.00} from my account and needed to return it. I was told it would take 1-5 business days. 
XXXX I called USAA yet again to check on the status of the dispute and was told that the dispute had been canceled and that my XXXX XXXX were limited. I understood this, but this wasn't a dispute with XXXX. USAA, of their own free will, debited the {$850.00} from my account, and even though they couldn't recover it from the sender, USAA needed to return that {$850.00} to me. It was USAA 's mistake, not mine. 
Another case was opened, and I was told it should be settled within 1-5 business days. 
XXXX I called USAA yet again to check on the status of the dispute and was told that a decision had been reached, and I was contacted about the final decision. Again, I was never contacted by USAA. As I once again tried to explain what had happened, the representative told me that nothing wrong had been done and tried to rush me off the phone. I asked to speak to a supervisor and once again had to explain the whole thing.I was again told that because it was a XXXX transaction, I couldn't get my money back and I again explained that USAA had made the debit, not me. I was not going to pay for a mistake made by USAA. Another case was opened. 
XXXX I received a letter saying that claim had been denied again.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to authorized this inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to authorized this inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Did not consent to authorized this inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Did not consent to authorized this inquiry XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Did not consent to authorized this inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Did not consent to authorized this inquiry XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Did not consent to authorized this inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Did not consent to authorized this inquiry XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. Did not consent to authorized this inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. Did not consent to authorized this inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 15. Mistaken Identity /does not belong to me XXXX Account Number : XXXX Please remove this form my Credit report 16 Mistaken Identity /does not belong to me XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this form my Credit report 17. Mistaken Identity /does not belong to me XXXX XXXXXXXX Account Number : XXXX Please remove this form my Credit report 18 Mistaken Identity /does not belong to me XXXX XXXX Account Number : XXXX Please remove this form my Credit report 19. Mistaken Identity /does not belong to me XXXX XXXX  Account Number : XXXX Please remove this form my Credit report 20 Mistaken Identity /does not belong to me XXXX XXXX XXXX Account Number : XXXX Please remove this form my Credit report
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

This was not sent in error, I am XXXX XXXX, a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items and information
Consumer complaint received 2022-08-22
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. (NV)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-04-01
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 FCRA XXXX  ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602A I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX ACCT # XXXX {$470.00} EQUIPMENT WAS RETURNED AFTER MOVING OUT OF STATE, XXXX SAYS DIDN'T RECEIVE. REQUESTED THEY RUN CAMERA SURVEILLANCE AND THEY DENIED.
Consumer complaint received 2022-04-01
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 FCRA XXXX ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602A I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX ACCT # XXXX {$470.00} EQUIPMENT WAS RETURNED AFTER MOVING OUT OF STATE, XXXX SAYS DIDN'T RECEIVE. REQUESTED THEY RUN CAMERA SURVEILLANCE AND THEY DENIED.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK (TX)

On XX/XX/XXXX XXXX XXXX from Freedom debt relief took my money after givingme false information. All the debt they claimed to be settling, was not mine. I've tried getting a refund but I have been hung upon, every time I ask to speak to a supervisor
Consumer complaint received 2024-09-19
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. (IL)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NM)

Dear Regulatory Agency, This is Actual and Constructive Notice that the credit reporting procedure being used in this matter against me as a consumer by the XXXX national consumer reporting agencies is defective and in fact is evidence of identity theft as defined in the Fair Credit Reporting Act. 

I have tried numerous times over the past couple of months to get remedy myself through sending letters to the customer service dept of each corporation, ( XXXX, XXXX, Experian ) but it is evident that these companies believe that they are too big to fail, and they do not have to abide by Federal Law. 

I have attached an updated copy of my dispute to this complaint in hopes that this will get the companies attention and show them that I am in fact serious. This paper trail that I am building will lead us directly to court if they choose to keep willfully noncomplying with federal law. 

I have received letters from each of these companies basically gloating in my face as if they have the right to continue to report something I am stating is identity theft and inaccurately reporting without permissible purposes. 


Please see attached for more details.
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I called and spoke to a representative and explained that I do not about this card, I did not authorize this card I am a victim of identity theft, I sent over my documentation showing that I'am a victim of identity theft they did not care they were very rude and unprofessional.
Consumer complaint received 2022-05-26
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. (SC)

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 your reporting services could fax, mail or email in a fraudulent account.

In accordance with the Fair Credit Reporting Act these accounts listed below, 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 I demand the following accounts be removed immediately : Account Name : XXXX XXXX XXXX XXXX ; Original Creditor Name XXXX XXXX XXXX Amount : {$2500.00} ; Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  ; Original Creditor Name XXXX XXXX Amount {$240.00} ; Account Number : XXXX *Please remove all non-account holding inquiries over 30 days old. 

Thank You, XXXX XXXX XXXX
Consumer complaint received 2023-08-31
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. (MI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 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 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 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 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX I checked online with XXXX  XXXX for my account balance which reflected a payoff of {$13000.00} XX/XX/XXXX I Refi with XXXX XXXX for {$13000.00} XX/XX/XXXX I kept checking my online account which still showed my account and balance for my loan with XXXX. Since my XXXX XXXX was coming XXXX and I liked to pay by the XXXX to ensure it was not late. I made a {$600.00} payment and figured it would just be refunded back to me since this payment and the refi amount was over the payoff balance. 
XX/XX/XXXX Since my account was not closed, I made a payment of {$600.00} XX/XX/XXXX Received Check # XXXX dated XX/XX/XXXX from XXXX for {$580.00} the XXXX refund because my account was closed. 
XX/XX/XXXX Unable to view any account information since account was closed XX/XX/XXXX @ XXXX I called and wanted to know why I only received {$580.00} and not the extra {$600.00} over payment I made since the original payoff and the refi amount was correct. 
I was told that XXXX received the refi check closing the account and back dated the close date as a courtesy since it took XXXX a couple days to process this payment. Since the account was closed the payment that I made was not posted to my account since it was closed. I was told by XXXX  that the payment I made was just being held and that I needed to contact my bank and pull the payment back. 
XX/XX/XXXX I opened an ACH dispute with XXXX and they credited my account for {$600.00} XX/XX/XXXX At the end of the month I received notice that XXXX XXXX advises the title transfer was completed. 
XX/XX/XXXX I receive first and only notification that my account was delinquent and I needed to pay or my vehicle would be up for repossession by XXXX. 
XX/XX/XXXX my credit alerts show XXXX reporting my account past due 30 days. 
XX/XX/XXXX called and spoke with Customer service and she adv she would send this to loan servicing dept. 
XX/XX/XXXX A couple hours later I received a {$600.00} deposit to XXXX checking account XX/XX/XXXX I spoke with XXXX in loan servicing and she cancelled all fees and interest and closed out account after receiving the {$600.00} wire transfer from XXXX XXXX  XXXX. 
XX/XX/XXXX Several Wire xfers did not work since I did not have correct routing information from XXXX, I will be sending personal check by Mail XX/XX/XXXX Check # XXXX Received by XXXX XXXX XXXX
Consumer complaint received 2022-05-26
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: EQUIFAX, INC. (AL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX and XXXXXXXX XXXX XXXX # 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-08-22
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. (MO)

I am submitting this CFPB Complaint in response to the current evaluation presented by the Credit Rerporting Agencies. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. The 3 credit bureaus must validate these accounts in line with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX Balance XXXX : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-05-26
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. (GA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF EDXXXX # XXXX and DEPT OF ED/XXXX  # 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt