davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a letter from Bank Of American on XXXX XX/XX/XXXX, XXXX and the letter was about after they reviewed my account relationship, they closed my account, as well as my corporate business card relationship any other associate account because my risk profile no longer aligns with the banks risk tolerance. 
I was so shocked when I received the letter. I called the XXXX XXXX BOA branch and spoke to XXXX the branch manager. I emailed him the letter from the bank. XXXX called me back the next day and said sorry he couldn't find out any reason why because the back office won't tell him. All they give him the same answer in the letter. I asked him what is it mean my risk profile. He said he couldn't give me the exact answer and he suggested I should call prevention center. 
I was so frustrated with the answer, so I called the BOA Prevention Center office and waited for 2 hrs to be able to talk to someone, and they transferred me to all the different departments that have the authority to answer my question. All I got was the same sorry, the bank had already made a decision, and that's all I can tell you. I can give you and answer you any further information that is stated in the account. I asked them what my reward they said when they closed my account, my reward money is gone too. 
I always have been A good customer with BOA since XX/XX/XXXX. I never had any overdraft or violation conscious in my bank account. For credit cards, I always pay on time and never have late fees. Even though they closed my bank ; I had to open a different bank to make payment for BOA credit card debt but BOA didn't pay me back my reward credit. Why? Can BOA give a reason why they took my reward money. As you can see I am responsible for what I own in the bank. Did BOA responsible with customers as they promised when they offer me to use the BOA reward visa. 
I never received any breach of bank regulations or any lousy relationship with BOA bank. I could not think of why BOA bank closed my account. After so many phones, call to reach out for an answer and help. All the answers I could get is the same in the letter. I see that BOA.bank wants to close my account because they discriminate against my small business and family accounts. Therefore, I am afraid I have to disagree with BOA bank closing my account for discrimination in any aspect of a credit transaction based on specific characteristics. 

I need XXXX XXXX to review again and reopen my business, my credit line and my family account.
Consumer complaint received 2022-08-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Equifax = under investigation for improper credit reporting. Credit Reporting is what they DO!! WHAT? That would be like CFPB not doing their job!!! No public statement from them to address what occurred and when?? Starting to sound like the crooked bunch I have suspected for years -- their silence tells me all I need to know... They will get a slap on the wrist ... shell out a XXXX  XXXX in fines and then a ruling to reimburse some a XXXX XXXX and NOTHING changes... But, it's ok they will release a new phone app that allows people to buy a higher credit rating that they can then go and report incorrectly .... America is really GREAT now!!
Consumer complaint received 2022-08-03
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: EQUIFAX, INC. (NY)

It appears that my file credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these accounts. 
XXXX BANK XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PENTAGON FEDERAL CREDIT UNION (CO)

On XX/XX/XXXX, I noticed several unauthorized, fraudulent charges ( in the amounts of {$1.00}, {$1.00}, {$19.00}, and {$39.00} ). were posted to my checking account for a company that I had never heard of and never done business with ( XXXX ). These charges were made over the time period of XX/XX/XXXX - XX/XX/XXXX. I had never visited this site and never once even used my debit card associated with my checking account, as it had been locked in my safe. I never charged anything to this account since I kept the balance just over the {$500.00} minimum account balance threshold to avoid a service fee. Immediately upon noticing the charges, I called and reported the charges as fraudulent and waited for the funds to be restored to my account. After 9 days, I called to inquire since the funds had not been restored to my account. I was directed to the fraud department and my call was dropped. I called again the next day and was again directed to the fraud department, where the representative told me my claim was denied because " the charges fit with a pattern of previous charges ''. The representative directed me to another line where I was able to leave a voice message. I have not received a response and the denial of my fraud claim is unsatisfactory.
Consumer complaint received 2022-08-03
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: EQUIFAX, INC. (GA)

Good morning, I am a victim of identity theft and someone used my personal information to obtain goods and services in my name without my permission. I am requesting for Equifax to block and remove the following fraudulent account and inquiries immediately or legal actions will be taken. I did not benefit from any goods or services of these fraudulent account and inquiries. Your company has four day under FCRA 605B to block and remove these fraudulent accounts and inquiries. I also attached FCRA 605B to this correspondence. Please obey the law and block these fraudulent accounts and inquiries. 

1. XXXX XXXX XXXX ACCOUNT # XXXX Balance : {$54000.00} The following inquiries need to be deleted and removed immediately due to identity theft : 1. XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX  XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX
Consumer complaint received 2024-11-01
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)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-08-03
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. (NY)

It appears that my file credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these accounts. 
XXXX BANK XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-08-03
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous accounts being reported on my Credit File because Transunion has been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue Transunion for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX Late Dates XXXX, XXXX XXXX XXXXXXXX Late Dates XXXX, XXXX XXXXXXXX XXXX Late Dates XXXX, XXXX XXXX XXXXXXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX, Late Dates XXXX, XXXX XXXX  XXXX Late Date XX/XX/XXXX
Consumer complaint received 2022-08-03
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous accounts being reported on my Credit File because Experian has been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue Experian for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX Late Dates XXXX, XXXX  XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX Late Dates XXXX
Consumer complaint received 2022-08-03
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. (NY)

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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00}.
Consumer complaint received 2022-08-03
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. (CA)

In accordance with The Fair Credit Reporting Act. The list of accounts below has violated my federal Protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, all has violated my rights. 

15 U.S.C 1681 section 602A.States I have the right to privacy.

15 U.S.C 1681 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 2024-11-01
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. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-08-03
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. (MO)

I sent a letter on XX/XX/22 to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again.,
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. (FL)

In accordance with the legal principle " Notice to an agent is notice to a principal, and notice to a principal is notice to an agent, '' I am writing to you regarding the information reported on my credit report. 

I have received a copy of my credit report provided by XXXX, and I have noticed that transactions related to the XXXX XXXX  account with the number XXXX have been incorrectly marked as late payments. 


According to FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports that contain only information about transactions or experiences between the consumer and the person making the report. 

This means that consumer transactions are excluded from consumer reports. FICO and/or any other risk score or algorithm used to calculate a consumers credit score is not part of what defines a " consumer report '' under the law. The legal definition of a consumer report is as follows : Consumer report. The term " consumer report '' refers to any written, oral, or other communication of any information by a consumer reporting agency that relates to a consumers creditworthiness, credit standing, character, general reputation, or mode of living, and that is used or expected to be used in whole or in part as a factor to determine the consumer 's eligibility for : ( a ) credit or insurance for personal, family, or household purposes ; ( b ) employment purposes; or ( c ) any other purpose authorized under section 1681b of the title.

FICO or any other credit scoring algorithm is not defined or included in this legal definition of a consumer report. Therefore, the report of transactions between the consumer ( myself ) and the entity ( XXXX XXXX  ) constitutes a violation of 15 U.S.C. 1681a.

Additionally, according to 15 U.S.C. 1666b, on the timing of payments : Timing of payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by Section 1637 ( b ), is sent or delivered to the consumer at least 21 days before the payment due date.
Consumer complaint received 2022-08-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (CA)

One Main Financial broke their obligation under contract laws to debit my account against our legally binding agreement to cancel one extra minimum payment of {$120.00} before its auto-pay due date and accept my payment of that same minimum due amount of {$120.00} before that auto-pay due date of XX/XX/2022. 
Since, One Main Financial justified their " breach of contract '' described above to be an intentional act, therefore I AM UNDER NO LEGAL OBLIGATION TO CONTINUE PAYING THEM ANY MONIES AS OUTLINED IN OUR ORIGINAL LOAN CONTRACT. I have closed our account agreement! One Main Financial also, never refunded me this extra {$120.00}, which they have stole, WHICH NEVER REMOVES THEIR GUILT OF " BREACH OF CONTRACT ''!
Consumer complaint received 2022-08-03
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. (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. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (CA)

On XX/XX/2022, I XXXX XXXX, sent a letter requesting that Experian reinvestigate some inaccurate and unknown accounts on my credit report to this day over 45 days later I have yet to receive an response from Experian. I feel as though I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately " REMOVE '' those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach, and XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2022-08-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I have used PayPal for more than one year and i have always kept in mind my the policies and terms of PayPal. My business was also running great and i also decided to open an LLC in the united states to further expand my business and also try new businesses.

Today i woke up and saw an email from PayPal Which said " You can no longer use PayPal '' " we decided to permanently limit your account as we found potential risk associated with it. '' Without any warning, without letting me explain myself, they have closed my account, in my head i dont think i have violated any terms or policies. and i can also show proof for all of my transactions which took place.

I had funds in account of {$360.00} and a customer also had to pay me {$250.00} for a website that i sold on a platform called XXXX. i can not now pay for my hosting, plugins and domains, as my account is banned with any reason : (
Consumer complaint received 2023-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I already mentioned that you guys should already remove this bankruptcy due to inaccuracy! I even looked for it in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX