davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

hi. i wanted to buy concert tickets to see XXXX XXXX XXXX  on XX/XX/XXXX, XXXX i talked to a girl at XXXX XXXX hoping to buy from her, but she scammed me and my friend out of {$220.00} and she ultimately never gave us said tickets. i've been trying to talk to bank of america since XXXX XXXX, on my account it says the transaction is still processing, but according to specialists i've talked to they said the payment technically went through. i've tried filing claims, but all i've been getting is redirection to different departments. i know there's a law that says i can be reimbursed by my bank.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been submitting multiple written appeals to Transunion regarding the fraudulent information being reported on my file. The last letter I sent to them was XX/XX/2022, with complete attachments of my personal information. This Complaint is being submitted through the CFPB to inform the Credit Bureaus that I am a victim of identity theft and the items I am disputing do not relate to any transaction that I have made or authorized nor did I receive any benefits as a result of the theft of my Identity. This Complaint is to follow up on my Previous Complaint last XX/XX/2022. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The account listed below is the result of such crime and must be deleted immediately : DPT ED/XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The data on my consumer report is a result of identity theft. I did not authorize the inclusion of identification transactions on my report. I kindly request that this information be promptly blocked and deleted within four days. This request is not made in error nor based on any misrepresentation of facts regarding the transactions as the consumer. 

Accounts are listed below 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
Consumer complaint received 2022-07-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. BANK OF AMERICA XXXX
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

on XX/XX/XXXX a fraudulent charge was made on my CHASE debit card for XXXX $ at a XXXX  gas station in XXXX, CA at XXXX. 
less than 20 mins from the charge being made i called CHASE and reported the charge. 
on XX/XX/XXXX the fraud claim was reversed with the reason being that because a pin was used and because the XXXX gas station is within 10 miles of my residence that that charge could not be considered fraud. 

i escalated my claim to the CHASE executive office and I recieved the same denial with the same reasons being stated. 

i almost never shop at XXXX, in my past year of purchases i have a history of 3 other XXXXl transactions, with only one being absolutely sure that i DID NOT make. 
XX/XX/XXXX I DO NOT recall making this purchase -- -- -- -- -- XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- XX/XX/XXXX XXXX $ XXXX XXXX -- -- -- -- -- -- -- -- -- XX/XX/XXXX XXXX $ XXXX -- -- -- -- -- -- -- -- -- -- -- on XX/XX/XXXX i bought a gallon of gas to get me home ( i live in XXXX ), XX/XX/XXXX i bought a gallon of gas for a little generator. 
XX/XX/XXXX this charge stands out because i was working in XXXX XXXX but never visited a XXXX  gas station out there. 
Lastly the charge on XX/XX/XXXX came from a XXXX gas station in XXXX i have never visited before. 

the only instance that i had been in that area around that time period was shopping for a car at a small private car dealer diagonally across from the XXXX gas station. 
the car dealer is called XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX CA I have a feeling that there is a connection between the car dealer and that gas station. 
I gave the info necessary to see about getting approved for a used car and did not follow through in making a deal. 
This is the only time I have been in XXXX recently, other than driving by. 

I HAVE NEVER FILED A REPORT FOR FRAUD IN 8 YEARS I HAVE BEEN WITH CHASE. THIS IS MY FIRST FRAUD CLAIM XXXX XXXX XXXXXXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX CA
Consumer complaint received 2023-02-28
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-30
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 (FL)

I have a credit card Travel Rewards from Bank of America. 
On XX/XX/XXXX I received one offer from the credit card to transfer the balance to my account without interest until XX/XX/2024, but with a fee of 3 %. 
I accept the offer and use my credit card normally. 
My first statement after the offer came correct, without any interest, and all my new purchases and payments correct like normally being using for years. 
The second statement with the information that I spend $ {$1500.00} in new purchases and made {$2300.00} in anticipated payments ( before the due date ). 
Following that, the next statement that I received was with a charge of {$16.00} in interest from the previous purchases of {$900.00}. Immediately I call the customer service and after more that XXXX hour in the phone, and supervisors, they couldn't explain why it was charged. But eventually, they told me very clear to not use the credit card until pay off the offer. 
After a couple of days, I try to caXXXX XXXX  more time. After more than XXXX hour, again the associate couldn't explain the reason for the interest as I was paying all my purchases anticipated but mention one more time and very clear that I can not use my credit card anymore until I pay off the offer, and the bank is charging interest in the purchases since the day I spend my card. 
That is a misguiding information since the credit card is charging consumers interest from the day a purchase is made and not observing the closing date to validate the interest. Again, I am using the credit card for new purchases and paying before the closing and due date, and still the bank is charging interest for those purchases. 
Worst part, I ask to explain the calculation and witch purchases generate the interest and no one could find the transactions. 
Until now, no resolution and no restitution of the fees. 
I can XXXX how many millions are being still without customers without the client understand.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

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 2023-02-24
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 reviewed a copy of my credit report and I've noticed that XXXX XXXX XXXXXXXX XXXX XXXX XXXX place a closed account on my credit report. This closed account streamed from a fraudulent balance of {$210.00} in which I paid for to keep my account in good standing with the bank. Despite paying the balance. The bank closed my account after paying for a fraudulent transaction that I did not participate in or took part in. I am requesting that you remove this closed account off my credit report. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. According to the provision of 612 15 USC 1681j, there should be no charges for this report. This closed account shows on my XXXX and Transunion. It was removed from my XXXX.If, after any reinvestigation under paragraph of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I reported this fraud issue with this board previously. Bank OF America continues to engage in its unfair business practices by now informing me of a secondary edd account opened in my name in a different state. I have not filed or opened any other account and Bank Of America is responsible for this as they allowed a privacy and data breach by which XXXX ca has furnished my private info in lue of their contract providing the services of he prepaid debit card for which Bank Of America has elected not to stand by the policies and account agreement furnished to said customers. Bank of America has managed to intentionally provide me with false data, withheld information about my account from me then sets me up for more damages as its agents told me i would see my funds on last friday only to being sent through their processes of what they call verification. The fact thatXXXX  and bank of america engaged in contract contract law does not support nor state that its lawful to cause damages to any third party nor does it release them from the liability. XXXX and BofA have their own indifferences but why should i suffer based upon their breach. I am suffering daily as they make fraudulent excuses for their own monetary personal gains. this constitutes trebile damages.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

Accounts are still open/in use and not fraud. If it was submitted to be it was by mistake. Company will contact for update soon XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX account is to be still Open This was not apart of the fraud on my account they just bunched it in. Please change the status with the bueros and make my card usable asap. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX account is still Open This was not apart of the fraud on my account they just bunched it in. Please change the status with the bueros and make my card usable asap. 

Letter with copy of Social and ID were sent XX/XX/2022 with info to all companies/bueros
Consumer complaint received 2023-04-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: OLD NATIONAL BANCORP (WI)

My bank 's checking account has been debited {$5.00} for the last several months. This is the information that shows on my account : XX/XX/XXXX XXXX XXXX XXXX / ( my name here ) ACH WITHDRAWAL - {$5.00} XXXX talked to my local Old National bank 3 or 4 times in XXXX of XXXX. They did refund me 2 of the debits and cancelled my card and issued a new one. The charges still appeared. The local representative tried to look into it and said it has to do with a XXXX XXXX. I called the XXXX XXXX XXXX phone number my bank gave me and the XXXX representative said they needed some different tracking data that they said my bank should have. 
I reached out to my bank again ( one particular person that I was communicating with ) but they never contacted me again with the information I asked for. I do believe I left a voice message since we were doing this on the phone. 

I left the state for 5 months and left this issue go. I see the {$5.00} is still being withdrawn from my account each month. 
This withdrawal started in XX/XX/XXXXXXXX XXXX XXXX XXXX / ( my name here ) ACH WITHDRAWAL And on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX My bank reimbursed me for 2 of these unauthorized withdrawals XX/XX/XXXX XXXX XXXX Unknown/unauth / ( my name and account number here ) CREDIT {$5.00} XX/XX/XXXX XXXX Org Unknown/unauth / ( my name and account number here ) CREDIT {$5.00} I can not find any information on the internet with " XXXX XXXX XXXX '' or any XXXX XXXX XXXX. 
Please help My bank is Old National Bank
Consumer complaint received 2023-04-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (CT)

I recently changed banks due to the banking crisis and needed to switch my bank connected to Grain for monthly payment. They don't have that ability within the app, so on XX/XX/23 I reached out to customer service to request my bank be changed. 

Customer service responded that in order to change my bank, they needed to know the name of the bank and screenshots of my transactions. I let them know the name of the bank, but did not send screenshots as this company has consistently shown they can not be trusted and I do not trust their representative to have screenshots of my bank account. I have several reports in the past I've submitted regarding their app issues that prevented users from being able to pay their balance. 

The rep tried to explain the rationale behind this, however, in the past they've been able to do this without the extra request. They then also suggested sending in a check, which would be great however this company has no direct phone support and no office I can visit, so I do not trust sending them a check. Grain had major app issues in the past, many consumer complaints and they have no done anything to re-earn trust for me to send a paper check through mail. They've also had other ways to process payments in the past and are pretending they took them away. 

I finally decided it's best that I close this account since I truly do not trust the company. However, they won't even let me pay the remaining balance. Grain is an aggressive, unprofessional company that takes advantage of its lacking app to force customers into pay late fees, reporting inaccuracies on credit reports, and not providing proper ways for customers to pay their balance. 

I want to close my account and be able to pay via a one-time link they've sent me in the past, or to update my bank account and send an electronic payment. Based on this company 's history, that is the only way I feel that my money is safe and protected paying them and they need to honor this request.
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my credit profile, I noticed there is an inaccurate listing. The account XXXX  XXXX XXXX Balance {$590.00} is a very error in reporting.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law The account, therefore, needs to be investigated immediately to publish my correct credit record.
Consumer complaint received 2023-01-13
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX card services XXXX, XXXX card services XXXX, XXXX financial 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 XXXX 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 the information is inaccurate. 

Under pandemic, and natural disasters they failed to provide relief or subsidy payments.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX BANK XXXX XXXX Account # XXXX XXXX XXXX Account # 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
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Karma (CA)

The company is Credit Karma. I have had an account for several years. On Thursday, XX/XX/XXXX I tried to log onto my account and couldn't. I tried to recover my password with my email, and it said I didn't have an account. I inquired which email I used by entering my social security number and birth date. The email that came up as associated with that is fraudulent. On Saturday, XX/XX/2021, I was able to send a message to Credit Karma ( as a guest - I am unable to log onto my account ) declaring the fraud.They ( or a computer ) responded assigning a case number, but I have yet to hear back from them ( though I have reached out 3 more times.All of my sensitive personal and financial information is in the hands of an identity thief, and I am unable to log into the account to address the problem ( i.e. cancel the account ). I am wondering if anyone at Credit Karma actually sees these requests. It seems they do not care about fraud or identity theft!
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act ; 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.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EVERBANK, NATIONAL ASSOCIATION (AZ)

My mortgage company, TIAA bank, sold my mortgage to their sub servicer company, XXXX. I had no say in this. And this is the 4th time my mortgage has been sold. My credit was reduced by 15 points due to the mortgage showing as " closed '' on my credit report. A TIAA bank representative said this should not have happened and I have some sort of federal protection against this. I'm not sure how it's legal for me to be punished for a mortgage company selling my mortgage without my knowledge or consent. I've refuted this on XXXX  and XXXX  as those reflect the 15 point reduction. XXXX hasn't updated this yet.