davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I submitted my paycheck of XXXX dollars to the Bank of America XXXX XXXX in XXXX, Colorado at XXXX XXXX XXXX, XXXX Colorado XXXX. 

I was informed Bank of America would have my paycheck from my employer the following day. Bank of America put a two week hold on my funds, my money and I cant access it until XX/XX/XXXX. 

I tried going to the financial center that morning to where the XXXX told me she said she couldnt guarantee there wouldnt be a hold which never happened, she never had said anything about a hold. 

Regardless, a regular hold is to be accepted yet a XXXX week hold, with the private consumers money is questionable. 

I tried calling their service, they told me they didnt know why the hold was there but many checks have been held. I spoke to management over the phone and the same thing. 

My XXXX  is suffering from XXXX and I have to find a way to see her in Oklahoma, as I live in Colorado. Bank of America is refusing to allow me access to my money that I deposited with no official reason. 

I am very concerned with this issue, that a private institution can hold someones money for two weeks without any legal reason.

Oh they also took the money from my bosss account already and then hold it. The money does not belong to Bank of America. 

Thank you so much for your time in reading my report XXXX XXXX
Consumer complaint received 2024-09-24
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 Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Bank Processing Delay : My payment was made on time, but a delay in XXXX XXXX XXXXXXXX internal processing led to the payment being marked as late. I have attached my bank statement showing the payment date and transaction details to support this. 
XXXX XXXX : The XXXX XXXX XXXXXXXX online system had a technical error, which caused the payment to be marked late despite the payment being submitted before the due date. This has been acknowledged by their support team, and I have included documentation of this interaction. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (OH)

On XX/XX/XXXX, I noticed that a fraudulent check had cleared against my KeyBank checking account 2 days earlier. 

I called my bank immediately and they told me it was obvious that it was a fraudulent check as the person had whited out some areas to write over fraudulent information. 

When I asked if I would get refunded, the bank indicated that they would investigate and let me know. Although this was obviously fraudulent, I was not told I would obtain a refund. The bank told me they would have to freeze my account and open another account for me. I was also instructed to file a police report. The police mentioned this type of fraud had been happening frequently recently and may originate from someone stealing and copying mailed checks.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Upon reviewing my payment history, I noticed that although my payments were made within the required 30-day period, they were posted to my account after the 30-day mark, resulting in a late payment being reported on my credit report. Two payments were made the month XX/XX/2023. XXXX on XX/XX/2023 and the other on XX/XX/2023 for the entire balance. However payment, didnt post to my credit card until XX/XX/2023, causing the 30 day late. Please see attached highlighted payment history from my XXXX XXXX transaction list.
Consumer complaint received 2022-09-22
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. (IL)

Ive identified inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity.
Consumer complaint received 2023-01-26
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. (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. Account name : XXXX. Account Number : # 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 2022-12-01
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. (VA)

I HAVE BEEN DEALING WITH THIS DEBT THAT ISNT MINE FOR YEARS!

I AM A VICTIM. THIS IS RIDICULOUS. I NEED A CAR AND CANT GET ONE BECAUSE OF THIS ACCOUNT ON ALL MY CREDIT REPORTS REPEATEDLY. I NEED HELP!
Consumer complaint received 2024-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (KY)

Due to repeated unauthorized charges on Citi card XXXX, their agent closed that card XX/XX/year>. A new card XXXX was issued. {$59.00} in disputed charges was rolled over from the original card to the new card. I have since received letters from Citi acknowledging the dispute ( s ) for the charges has been resolved. However, because the dispute resolution corresponds with the original card # the 'credit ' and removal of the charges is not getting applied to the current card. Therefore, Citi is continuing to seek payment of money I DON'T owe. This has resulted in them adding unwarranted late fees & interest my account. I have had repeated calls with their customer service department but the seemingly can't access the closed card and therefore just keep insisting I pay. I have sent 3 certified letters to what I believe to be the home office starting just before XXXX and only once receiving a response which did result in them removing a {$29.00} late fee but insisted I pay the {$1.00} interest charge ( which I did ) NOW, they have reported this account as 'past due " which has caused a decrease in my credit score from XXXX to XXXX. Please can you help resolve this?
Consumer complaint received 2024-09-24
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 Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

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 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Bank Processing Delay : My payment was made on time, but a delay in XXXX XXXX XXXX internal processing led to the payment being marked as late. I have attached my bank statement showing the payment date and transaction details to support this. 
XXXX XXXX : The XXXX XXXX  XXXX XXXX XXXX had a technical error, which caused the payment to be marked late despite the payment being submitted before the due date. This has been acknowledged by their support team, and I have included documentation of this interaction. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-15
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$14000.00} - XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXXXXXX XXXX XXXX Balance : {$14000.00} - XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$14000.00} - XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

When I reviewed my credit report, I discovered that some of the information was erroneous. 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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  Balance : {$15000.00}
Consumer complaint received 2022-12-16
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} has violated my rights 15. U.S.C 1681 section 602 A. states i have a right to privacy.

15 U.S.C 1681 section 604 section 2 : its also states a consumer reporting agency can not furnish an account without my written instruction.

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 section 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 2022-12-29
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. (MS)

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. 

Account name : XXXX Account # XXXX Account name : XXXX, 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.
Consumer complaint received 2022-08-14
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. (NV)

Good afternoon, Due to the new Medical Debt Relief Act of XXXX, I have been trying to get some medical debt removed since XX/XX/XXXX on the XXXX XXXX website under the Transunion credit and it says they are working on it but it's been four months and the dispute options are locked up where I can't follow up. 

When I went directly to the Transunion website, they are trying to charge me XXXX dollars a month in order to sign up to directly deal with them. 

I just went directly to XXXX and had to submit the disputes there so I will wait to see what happens. 

There are laws in place to protect many people like myself who are responsible, law abiding citizens that have had bad luck with health issues no matter how hard we try to take care of our health. 

PS, I have a 94 % payment history for all of my other payments! 

Can you please remove the medical debt from my credit report please? 

Thank you, XXXX XXXX
Consumer complaint received 2022-07-04
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I had set up autopay at the beginning of XXXX and normally receive emails for what's due every month for my credit card. I've never been late on payments before so I was surprised to see interest charges and late fees on XX/XX/XXXX. Apparently, my autopay failed to setup correctly ( unknown to me ) and I got no emails from Bank of America for my credit card balance because of a partial credit and a refund. When I called on XX/XX/XXXX, I was told this was all my fault that autopay didn't work or that I didn't receive any emails which I normally do, including getting one for XXXX. Bank of America 's online payment setup is cumbersome and poorly designed on purpose for these sorts of issues, and the lack of proper messages for autopay and payments seems to be on purpose so that they can collect interest and fees and then claim " it's not in the system, so it's not bank of america 's fault ''. 

FYI, this is only part of the system issues. BoA 's credit card payment does not show how much is left of the previous monthly statement to pay off for full amounts, and the account site often erases payment information. Even after diligently dealing with all of this over 9 years, it is the failed autopay and lack of messaging that caused me to miss a full payment on time.
Consumer complaint received 2024-12-20
Product: Credit 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: CITIBANK, N.A. (VA)

Previous ticket : XXXX I am being charged again by the wire fraudsters. this is scary. 
I never activated the card I received I was charged on XX/XX/year> for XXXX and another charge appeared on XX/XX/XXXX for XXXX both charges were listed as paying interest to XXXX XXXXXXXX All charges to XXXX XXXX are fraudulent and amout to wire fraud. The other is XXXX I have nothing to do with these organizations. 
The website for XXXX XXXX home page does not exist. 
THIS IS WIRE FRAUD AND A FELONY. 
I NEED CITI SIMPLICITY CARD TO LOOK INTO THIS THE CARD ISN'T EVEN ACTIVATED AND THEY ARE STILL STEALING FROM ME!!
Consumer complaint received 2022-08-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: DISCOVER BANK (MO)

I had ma pay roll deposit into this account routing no. and routing account no, the depoist was never made, after the deposit was made and not returned, after talking with them only to find that a number of mistake were made, and no one seem to care about taking care of them, after calling them a number of times telling them what the people told me that put the money into the account. they would not looked into what i told them, they are telling me its going to take 3to5 business days before they give me my money, however my insurance is pay with that money, and also other bills, as well but this did not give them any means to find my money.