davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

At about XXXX XXXX I noticed I was missing my Bank of America XXXX Merrill Lynch XXXX credit card. I checked the B of A app and noticed XXXX fraudulent charge. 

I tried to use the Bank of America app to lock my card, and report lost, cancel it, report the charge and get a replacement. But this was nearly impossible to do in the app. I spent so much time trying to XXXX and figure out how to use your all. 


I looked up the XXXX number for the fraud department. I was waiting and still trying to use the app. The app is needlessly confusing forcing me to use XXXX, a digital assistant, rather than just giving me the options like anyone else. 

It took me so long to figure it out, the person was able to successfully make ANOTHER purchase for almost {$200.00}. If your app was only easier to use, or phone wait times shorter, I could have blocked the card before that charge occurred. 

Meanwhile, it took MORE THAN 45 MINUTES to get through to your Fraud department. The person created a claim, refunded the charges, and issued a replacement card. The agent, XXXX, told me the DIRECT line to your Fraud department was XXXX. She told me to call back with the police report number. 

I called XXXX, the direct line as XXXX told me, and again waited 45+ minutes on hold. 

A guy comes on the line and says there's nothing he can do. He's not the right department. But wait! This is " the direct line '' to Fraud according to your previous representative...?! 

I'm again transfered and AGAIN wait on hold. After another agonizing 20+ minutes a woman comes on the line to take some the police report. But wait! Your systems are down for maintenance, and there's nothing she can do. She could take down a note, set a reminder, create a callback. Nothing. So infuriating. I was told this was the direct line, and after all that wait, we can't even get the memos on the case! 

Ridiculous customer service as always from B of A.
Consumer complaint received 2022-06-04
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 with the Fair Credit Reporting act XXXX XXXX SVCS, 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 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
Consumer complaint received 2024-11-13
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. (NY)

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. 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 Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Consumer complaint received 2022-07-03
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. (TN)

I did not consent to or benefit from the following information : Transunion, XXXX, & XXXX listed on my consumer report, block or remove the following account XXXX ( Original Creditor : XXXX XXXX XXXX  ON XXXX ) XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results comeback as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate.
Consumer complaint received 2022-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX : {$61.00} XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX {$480.00} XXXX. XXXX Account Number : XXXXXXXX XXXX : {$510.00} XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX : {$1800.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Consumer complaint received 2022-04-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-16
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. (SC)

On XX/XX/XXXX I applied to refinance my car, immediately after a collection account was placed on my credit report by XXXX XXXX XXXX XXXX for a debt I have no knowledge of as if the company has something which alerts them to when someone applies for new credit. I tried to dispute with all 3 credit bureaus, and I received notification that the investigation has been completed and found to be valid as of XX/XX/XXXX. I tried to follow up with the dispute as I do not owe any collections or have any past due debts. I have 100 % on time payments reporting for all of my credit history. When trying to follow up I was requested to send a copy of my social security card and drivers license to add a fraud alert, however this is not fixing the issue of the invalid collection which has been added to my credit report without being verified or researched. This collection needs to be deleted as it has not been verified.
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting Everthing has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate as well. This is grounds for removal, they also violated my rights under 15 U.S.C 1681 section 602a, ( 4 ). States I have a right to privacy. 15 USC1681 section 604a section 2. It also states that a consumer reporting agency can not furnish a account without my written instructions. Also the Credit bureaus look more than 30 days to complete my investigation
Consumer complaint received 2018-12-18
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: Onity Group Inc. (TX)

Over the past few years, Ocwen began reporting that my loan was charged off when I actually paid it off. They reported to XXXX. Ocwen corrected the issue on 2 or 3 occasions with oversight from Texas XXXX. 

I was denied credit today as XXXX is reporting an Ocwem foreclosure and negative in city from XXXX. I have never heard of XXXX. 


I need this matter corrected immediately. 

Kind regards XXXX XXXX
Consumer complaint received 2022-07-03
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. (MD)

In accordance with the fair Credit reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXX, BANK XXXX XXXX XXXX account Number XXXX, XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-07-03
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. (NC)

In accordance with the Fair Credit Reporting Act XXXXXXXX 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 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.
Consumer complaint received 2022-03-31
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. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-10-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc. (SC)

I applied. Was accepted, never got email. Comenity 's phones and website are not working. Comenity claims that a system upgrade went bad and they are working on it. According to the complaints on the XXXX page this has been happening for at least ten days. 

So now they have my personal information on a card that I can't use, that someone else may be using and they won't talk to me. Check out their XXXX page. 

I do not know my card number. I used XXXX XXXX XXXX XXXX in the form below They haven't sent it yet, just approved me for a loan. Someone else is probably using it.
Consumer complaint received 2022-02-16
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. (OK)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXXXXXX, XXXX, EQUIFAX. Are all reporting the XXXX XXXX account inaccurately. I have made several attempts to adress this issue. Attached, find original creditors own payment history. The balance on XX/XX/2022 is XXXX. The account has to be removed as it is reporting inaccurate information on all three bureaus please remove account based on the XXXX balance reported by the furnisher. After doing so please forward me a copy of the report.
Consumer complaint received 2022-07-03
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)

In accordance with the fair credit reporting act XXXX  accounts : XXXX XXXX act # XXXX, XXXX XXXX act # XXXX, XXXX XXXX XXXX act # XXXX, XXXX XXXX XXXXXXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account t without my written instructions.
Consumer complaint received 2022-07-03
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. (IL)

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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

have attached my identifying documents, this is proof of identity for all correspondences for this communication. The credit reporting agency has over reached and violated my privacy rights via 15 USC 6802-Obligations with respect to disclosures of personal information. Consumer reporting agencies may not disclose nonpublic personal information pursuant15 USC 6802a ( 6 ( a ) ) the Fair Credit Reporting Act establishes this protection to me as a federally protected consumer. Per 15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights. Please delete these fraudulent inquiries immediately from any records that are on your system or validate these inquiries by providing me with copies of any documentation associated with these accounts bearing my signature and/or my written permission authorizing an inquiry, per Federal & State statutes. Furthermore, I also demand you, TransUnion produce a contract between you and I bearing my signature showing that I gave you permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 4 days to delete these inquiries. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Without Recourse UCC 3-415, All Natural Inalienable Rights Reserved Delete the following inquiries from my consumer report : 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 XXXXXXXX XXXX XX/XX/XXXX I did not give any of these companies access to my private information, and as the furnishers, you are in violation.
Consumer complaint received 2022-02-16
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/2022. And now we are in the month of XX/XX/2022 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. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX DEPTEDXXXX XXXX US DEPT ED XXXX DEPTEDXXXX XXXX US DEPT ED XXXX DEPTEDXXXX XXXX
Consumer complaint received 2021-11-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

On XX/XX/19 I was seen by XXXX XXXX XXXX, MD.At the time up until now, I receive XXXX.Doctor XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , failed to submit the bill too XXXX at the allotted time, therefore XXXX denied to pay the claim, so instead theyre trying to force me to pay a XXXX bill for their mistake.They sent the bill to United Revenue Corp.a collection agency.This has been on my credit for 2 years
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX  XXXX reported to me that XXXX XXXX Bank denied a loan that I did not apply for with XXXX XXXX Bank which I have never heard of. XXXX XXXX Bank is basing the denial on my Transunion Credit report which states the following : Number of balance increases for non-mortgage accounts over the last quarter I am paying down my credit cards and am current on all payments with 100 % payment history Percent of accounts switching from active to inactive status in the past 12 months I have no accounts that switched from active in inactive status Number of high credit increases for revolving accounts over the last quarter I have had no nor requested any credit increases at all Total amount overpaid on installment loans over the last year I have no existing installment loans