davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

It should have been easy! Bank of America emailed me about a fishy-looking check for {$14000.00} over XXXX. I called them when I logged in the morning after XXXX and told them I did not write the check and the check # was one of a series I had stopped, the stop fee waiver appearing on my statement. I had never heard of the payee. 
____ Despite constant, increasingly frantic attempts by secure email, by fax, and by phone, it is just about a month now, and I have been unable to get the funds restored, or even get confirmation that they are working on the matter! Each time I call I get a different person who doesnt know what the others have told me, or about what was sent or faxed in. None of my emails or faxes were answered. Im at my wits end. Ive been a customer of the bank for 36 years. I shouldnt have to wait a month to get my funds restored on a check that is both fraudulent and stopped. The bank pays almost 0 % interest ; the only thing they are supposed to do is keep my money safe!. XXXX XXXX XXXX suggested that I contact you. I have enclosed the letters, and secure email and fax confirmation receipts, and willing to provide any other information that you might require. Please help me. 

____Sincerely, XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-08
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (VA)

Order number XXXX. On XX/XX/XXXX I opened a Macys credit card to use the promotional offer of 25 % your first purchase which I had to do online because I had not received my physical card. I received my package with item missing. I emailed them about and they never replied or answer calls. About a month later they called back asking why I didnt send my first credit card payment. I told them I had no way to because they never sent me the physical credit card so I can access the credit card portal. On top of that I have not received credit back for item missing. I also informed them they need to send me a new card because it may have got lost in the mail. I also told them they should remove any late fees as it was an issue with their end. They agreed to all the above and about a month later last week I realized my bill has changed and the new card has not been sent. I called them today to ask why and they said they never submitted a claim for a new card and that my refund claim is denied. So now my credit card is saying I owed over {$200.00} when it should be less than {$100.00}. I will never buy anything from Macys again. I want to sue them as well for wasting so much of time and for emotional distress.
Consumer complaint received 2023-12-22
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. (CA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I need to highlight the outrageous inclusion of accounts falsely labeled as late payments on my credit report. Despite my unwavering track record of making responsible and punctual payments as a devoted customer, these accounts are unjustly depicted as delinquent. This distortion is intolerable and requires swift correction.
Consumer complaint received 2023-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I am writing in response to the debt collection notice I received from your company regarding the alleged debt that you claim I owe. I am requesting that you provide me with validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). 

I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-12-22
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. (AR)

I am writing to express my deep concern and dissatisfaction with the ongoing challenges I have faced in attempting to remove fraudulent items from my credit file. Despite multiple efforts, the fraudulent information persists, negatively impacting my creditworthiness and causing undue distress. 

I first identified unauthorized and fraudulent entries on my credit report. Subsequently, I have diligently followed the established dispute resolution procedures to rectify this issue. 

This situation is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ) but is also causing severe financial and emotional strain. I insist on a thorough and immediate investigation into the fraudulent entries on my credit file. 

I am formally requesting the following actions : A comprehensive and urgent review of the fraudulent items on my credit report. 
Immediate removal of the inaccurate and fraudulent information to restore the accuracy of my credit file.

Verification of the corrective actions taken and an updated credit report reflecting the accurate and corrected information.

I am fully aware of my rights under the FCRA and the significance of correcting inaccuracies promptly. Failure to address and rectify this matter in a timely manner may leave me with no choice but to explore legal remedies to protect my rights. 

Enclosed with this letter, you will find copies of supporting documents. 

I kindly request your prompt attention to this matter and request written confirmation once the fraudulent items have been successfully removed from my credit file. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-12-21
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. (OH)

I have some issues on my credit file that need addressed I have requested documentation from the following collections agencies : XXXX XXXX XXXX XXXX XXXX Please delete the above accounts they are not accurate and unverified 609,611,623 FCRA violation
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (CA)

I have submitted info, a few times, for my monthly payment to be recalulated. The first time, my wife 's XXXX was needed. However, this is my student loan, not hers. She no longer has any loans. According to some documents read today, her income should not be added to mine. I was denied the SAVE Program and this asked to pay $ XXXX a month. That is a lot of money, all because they looked at my wife 's income too. I spent 2+ hours on hold today, with Mohela , just to be hung up on, SO, I went back on the Mohela website and I reapplied to the SAVE program and my payment would be $ XXXXif approved-which is way more affordable. I uploaded the pay stub for proof of income. I hope this gets resolved, as I am in the PSLF program and don't want to jeopardize this. Mohela, over all, is a poorly run loan program.
Consumer complaint received 2023-12-22
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This company is reporting inaccurate and or incomplete, unproven, NON- COMPLIANT ACCOUNTS INFORMATION. I dont recall having any business transactions or dealings with these companies and or original creditors listed on my credit report.
Consumer complaint received 2023-12-21
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. (MD)

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.

has violated my rights. Or a list of inquiries : 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 2023-12-21
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On my edd card I had someone use all my benefits prior to me ever receiving the card. I filed a claim well over a year ago and was lied to by Bank of America saying they filed a claim for me. A year goes by I never hear from the bank so I call only to find out I was lied to over a year ago and a claim was never filed. So I been waiting well over a year for something they lied to me about. Bank of America had been sued for this by people already and a federal judge ordered them to take claims more seriously and they flat out lied to me about even opening a claim. This has put me in a serious financial situation and Ive reached out to them to re open they said they did however today is the 10th business and I still havent gotten my provisional credit. I feel it is so wrong and illegal what they did.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is information on my credit report that is a result of identity theft that I did not provide information for or any written permission or instructions for the identified transactions to be reported on my consumer credit report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block is not being made on the basis of misrepresentation of fact by me relevant to the request to block the identified transactions are not information related to any any transactions by me as the consumer. You are required to do what I am asking and block these transactions from being reported to my consumer report within XXXX days from the date of receipt. I look forward to your response. Thanks
Consumer complaint received 2023-12-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: EQUIFAX, INC. (TX)

a year ago, I applied for a mortgage and everything went smooth, but we decided to wait a year then this year we tried again, and the lender says he cant pull my Equifax. I called my Equifax and they say I must not have used credit or am not a XXXX XXXX  but Ive had an auto loan and two credit cards for four years, I asked what to do after that and they told me to write a cover letter, explaining the issue with my information and I sent that in and its been over a month no reply. Ive talk to my auto loan Lender and they confirmed they have been reporting to Equifax and the other credit bureaus with the right information, Ive called over 20 times just to get the same response that Im not a XXXX  or dont use credit. When I pull up my XXXX XXXX it even says theres an issue pulling up latest equifax records.
Consumer complaint received 2023-12-20
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. (NJ)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

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.

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 2023-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (PA)

On XX/XX/23 my daughter, XXXX XXXX, age XXXX, and I went to the PNC ATM on XXXX XXXX, XXXX, PA where she attempted to deposit {$140.00} cash into her student checking account, of which I am part owner. The ATM machine malfunctioned during the transaction and kept {$80.00} and spit out {$60.00}. We immediately called the PNC customer service line and were told the issue would take XXXX business days to resolve. This is unacceptable as my daughter was depositing the funds to use for XXXX shopping! 
On XX/XX/23 we called the branch directly and spoke with XXXX, explained the situation, and asked if they would check the machine that day and return the funds. She was not helpful, not understanding or compassionate. I asked to speak to a manager and she said no one was available and she said a dispute would be filed and it could take two weeks to be resolved and there is not a guarantee that the money would be returned to my daughters checking acct. At that point I told her I was extremely disappointed in PNC and they needed to escalate this to a higher level because it seems as though they are just taking advantage of a child at this point. No one cared to give this matter any attention since she was not an important customer to them. I told her I would out this situation on my social media so that others were warned to not deposit cash into that ATM or they would potentially lose their money. Later that day ( XX/XX/23 ) I received a call from XXXX XXXX who said he was calling because I threatened to 'go to the media ' with my concern. I explained the situation and he said he would get back to me on XX/XX/23. That day came and went and no call or email from him came. That evening I emailed and said that I would be filing a complaint with the CFPB. On XX/XX/23 he called and said that there would be a complimentary credit made to the checking account of {$80.00}. He asked if I would still go forward with filing the complaint. Obviously, this resolution was expedited as PNC did not want a complaint filed. I am extremely disappointed in PNC and am filing this in hopes that the process will change and a customer will not be out cash money again due to the failure of their equipment.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

The following accounts were fraudulently obtained in my name without my permission or knowledge. I've contacting each creditor about the activity. Below are the dates the fraudulent accounts were opened and also the amount of the charges. 

XXXX Date opened : XX/XX/XXXX. 
Amount charged:XXXX. 

XXXX Date opened : XX/XX/XXXX. 
Amount charged : XXXX. 

Capitol One Date Opened XX/XX/XXXX. 
Amount Charged XXXX XXXX XXXX Date Opened : XX/XX/XXXX. 
Amount Charged XXXX XXXX Date Opened XX/XX/XXXX. 
Amount charged : XXXX. 

Please remove as soon as possible. 
THANK YOU