davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XX/XX/2020 I went to Bank of America in XXXX NJ to withdrawal from account number XXXX amount of {$780.00} from New York unemployed insurance direct deposit. But teller said she can't withdrawal the money. 

XX/XX/2020 Visit at Bank of America in XXXX NJ again and have conversation with XXXX XXXX Financial advisor. He contacted risk department over the phone and have them explained why i can't withdrawal my money and what happened to my accounts status that showing CLOSE without my permission and without notifying me before closed the accounts. 

She explained that because my accounts have several fraud claims recently and currently have claim number XXXX amount of {$480.00} ( ATM fraud ) claim number XXXX amount of {$490.00} ( Fraud cheque ). That happened because of identity theft and bank false to verify identity. Bank of America release the funds ( ATM withdrawal fraud ) before the cheque clean. 

She said that bank have to finish the investigation before do anything with the money that have left in my account and request me to fax the police report to XXXX. 

Before this situation happened. I have noticed Bank of America several time that my driver license, SSN card, my telephone number and many of my ID include Bank of America debit cards and credit cards have stolen. And i'm victim of identity theft. 

But Bank of America still false to make the solution to verify my identity and protect my accounts. As the result that my online banking account hacked for 3 time, 3 fraud cheque deposit, many unauthorized withdrawal and ATM fraud. While blocked me to access to my owned fund. 

Right now i can't provide hardcopy of police report because the NJ state police department that take care of issue report have closed because of COVID19.
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

When making my payment in XXXX, I think there was a misunderstanding about how it would be applied. I reached out to the chat and directly to customer service for guidance on a payment on XX/XX/10. I believed this payment would keep me current. There was also a payment in early XXXX that I believed was on time and keeping me on track. Im not sure if its possible to review those calls or the chat but I wanted to bring it to someones attention. It seems like theres a lot of confusion and I am doing the best I can to hold up my end as the consumer. Currently, I can not use the card at all. Though I have available credit, all charges have been declined whether in store or online. Representatives have been unable to explain why. I was told I was in collections and also told I had a fraud watch and then told within the same phone call that neither of those are accurate. Im frustrated as a consumer and we all make mistakes. I know credit reporting needs to be accurate and I agree. But I also think creditors need to be accurate with what the status of an account is.
Consumer complaint received 2023-02-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Rodenburg LLP (MN)

Hello, A couple years ago I had gotten a letter about a debt from a debt collection company. The debt collection company I have tried countless times to get ahold of. 
This company is called Rodenberg Lawfirm located in North Dakota. 

I have tried contacting them via phone number, snail mail, and emails and have not gotten a response. 

I still have old emails and a copy of the letter I mailed them in XXXX asking for information on the debt. 

This summer on XXXX, XXXX XXXX they garnished my bank and got {$600.00} and they were asking for {$1100.00}. I only had {$600.00} in my account at the time because I quit my job because of a family emergency which my only income since leaving work in XXXX has been from unemployment, which I read is exempt, but I dont want to send this debt collector my bank statements, when I cant even get a response from them, it makes me nervous giving out information like that. 

Now I got another letter in the mail that they are going after my account again for another {$1100.00} but they already took {$600.00}, so I am so confused on why the balance has not gone down and I do not know what to do. 
I am XXXX XXXX XXXX XXXX, and this is really making me nervous, as I cant afford for my account to be garnished again. 

I got the letter which is dated for XX/XX/XXXX on XX/XX/XXXX. 

I was not sure who to contact, I hope you guys can help, or somehow guide me in the steps to take to get this taken care of. 

Thank you, XXXX
Consumer complaint received 2020-04-01
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: Experian Information Solutions Inc. (AR)

I called XXXX XXXX to get tv service. While I was trying to set things up. I was told that there had already been an account open under my name and that it had a outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found a unknown account that does not belong to me except the XXXX XXXX   account they informed me about, maybe it still has not been reported, I am not sure. Please get these fraudulent account off my report.
Consumer complaint received 2023-02-06
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
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. (OH)

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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681 s-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 2023-02-06
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: Affirm Holdings, Inc (GA)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX, and XXXX did not modify or remove anything. 

So I asked for the description of the investigation according to 15 USC 1681i. I still didn't receive anything. 

The following accounts are the ones being referenced for the above-stated issue. 

XXXX XXXX Acct # : XXXX XXXX  XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX 
Acct # : XXXX XXXX  XXXX has also already sent me a letter ( Attached ) stating I am not responsible for the debt referenced above, yet neither XXXX nor XXXX want to comply with this information I've submitted ( along with the required identity verification documents ) NUMEROUS times. I do not understand why I am having to repeatedly battle an account I keep proving time and time again does not belong to me and is the direct result of identity theft.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct XXXX payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount Recovery Systems, L.P. (TX)

On Thursday XX/XX/2020 Paramount Recovery contacted me stating that I owed a medical debt from XXXX XXXX XXXX XXXX in the amount of {$1200.00}. I spoke to a old female over the phone. She stated how did I want to take care of the debt, and responded that I already dispute the account multiple times and that credit agencies have removed the account before. The representative stated this debt was moved to a new office, and this is why the collection reappeared on my credit report. I stated that if Paramount Recovery wanted me to accept responsibility for the debt that I wanted a detailed billing statement of the charges from the original " doctor visit '', and not some generic letter head from the collection company with the amount they are attempting to collect. I have spoke this company on many occasion, and stated that I was requesting the debt to be properly validated. Multiple time the collection agency states that they are going to send validation in the mail, and it is going to take up to 30 days to be received. During this time the collection agency is holding my credit and credit score hostage negatively affecting my financial situation during this world pandemic. They purposely drag their feet by taking their time to resolve this matter as a dirty tactic to try to get me to settle the debt out of frustration. Finally, but not least they are very rude over the phone. They state that this debt is my responsibility, and they don't have to provide any proof that the debt is mine. They always pass me along to another line that has no one on the other end of it, or they just hang up, because they don't have the proper answers for me.
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I signed up for a credit card with Citizens Bank that offered a sign up bonus. The signup bonus stated if you spent {$500.00} within a certain time frame ( I believe this was a XXXX  day time frame ) they would offer a {$150.00} cash reward bonus. The bonus would be deposited to the rewards were you could redeem for statement credit of receive back as cash. I spent more than the required amount ( {$500.00} ) and did not receive the cash rewards bonus. When I called to inquire, I was told by Citizens that I was under a 'different " rewards sign up bonus. I was enrolled at 3 % cash back rewards NOT the promotional spend {$500.00} get {$150.00}. I did not sign up for the 3 % bonus, as I signed up through their website through the proper offer. My current statement ( or any of the statements for that matter ) mention NOTHING about having a promotional 3 % cash back, This is an error on their side, that they are failing to rectify.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-05
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. (IN)

Unauthorized credit inquiries being reported on my credit profile regardless of my confirmation that they were unauthorized. 

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 2023-02-07
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. (VA)

In XXXX with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX 
Account name XXXX XXXX XXXX XXXX XXXX  Account Number XXXX Account Type Individual Charge Card, Soft Inquiries by : XXXX XXXX XXXX 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 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 2023-02-06
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

When I reinvestigated my credit report, I realized that some of the accounts were still erroneous. 
please investigate the accounts below : XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$45000.00} XXXX  XXXX  XXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-02-06
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)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of 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 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX is INTENTIONALLY incorrectly reporting to all 3 bureaus and in an unethical way. 

Facts : The XXXX Leased XXXX Automobile was VOLUNTARILY RETURNED early, in XX/XX/XXXX. 
XXXX XXXX XXXX took until XX/XX/XXXX to CLOSE the account ( they themselves stated on the phone that this was indeed the date they CLOSED the account out. 
XXXX SOLD the auto at Auction and then accessed a charge to me for around {$12000.00}. which I never agreed was a fair cost to return the leased auto early. 
XXXX XXXX XXXX continually changes the closed date of the account to the 3 credit reporting XXXX XXXX XXXX RECENT dates to keep impacting my credit to reflect that I JUST RECENTLY allowed an account to default ( the last time they stated the account was closed is XXXX of XXXX! ) or they change the STAUTS of the account to show that the auto was recently REPOSSESSED! 
The automobile was NEVER repossessed, it was never paid LATE, it was simply returned to XXXX XXXX XXXX in XXXX, Texas by me when I informed them that I could no longer afford to lease the vehicle, in XXXX of XXXX. 
I have called and called and disputed and disputed with XXXX XXXX XXXX via phone and mail. I have also disputed over and over with XXXX, Equifax and XXXX as well. Yet, no one can or will simply report accurately the FACTS and TRUE date the account was LAST PAID ( XX/XX/XXXX ) and the TRUE date the account was CLOSED finally ( XX/XX/XXXX ). 
XXXX XXXX XXXX representative just TODAY told me on the phone that if I will start making payments on the Early lease-break fee they accessed of $ XXXX, that they THEN would possibly correct the dates to reflect accurately. I CAN NOT think that this would be allowed, this is highly unethical collection behavior to purposely report inaccurate dates to try to force a payment 6 years later.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (GA)

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. 

Best regards, I remain