davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX XXXX account # XXXX is showing as a closed account on my credit report. This account is full of inaccurate information such as my correct legal name, address, as well as false signature. 15 U.S.C sec. 1681i ( a ) states that a thorough investigation must be conducted by the credit reporting agencies providing all accurate proof of the legitimacy of this account or it is to be deleted. I have no idea who did this. 15 U.S.C 1681 also states that credit reporting agencies have a obligation to report fair and accurate information as I also have a right to privacy and confidentiality protecting me from false, inaccurate or incomplete credit reporting that is damaging.
Consumer complaint received 2022-08-24
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)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXXXXXX XXXX XXXX have 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 2022-08-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: First Technology Federal Credit Union (WA)

During the process of opening a check account, their online system instruct me to transfer money to the new account using XXXX. I provided the authentication information and XXXX accepted without error. 
I asked the bank what's next for me to do. The told me just to wait. 
3 days later, First Tech charged me {$33.00} because the transfer didn't succeed. 

During the whole process, I wasn't informed there might be a penalty. 

My account number is : XXXX
Consumer complaint received 2022-08-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

In accordance with the Fair Credit Reporting act. This account 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 In accordance with the Fair Debt Collection Practices Act.

Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XXXX I filed a fraud complaint with Bank of America on my business debit card. I had checked my account that day and realized there were many charges that were not made by me. I called the bank immediately. 

I was give a case # XXXX XXXX XXXX XXXX and told they would be doing a thorough investigation and be getting back to me. I was also told an immediate credit ( for not the full amount but some would be on my account ) and after the investigation was complete the total would be credited. I also requested my card canceled and a new one sent to me. 

Two and half weeks later I heard nothing and called bank of America on XXXX to get an update. I was told my fraud case was denied because I did not report in a timely manner and because the purchases were within my normal spending habits. 

I can affirm that I did not make these multiple XXXX charges that appear on my business debit card starting XX/XX/2022. 

I can affirm it is not in my normal purchasing behavior to spend $ XXXX {$850.00} at XXXX  day after day and sometimes multiple times in a day. 

I can affirm that any XXXX purchase I have ever made on my business debit card is from my XXXX account and goes to one address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, WA XXXX I can affirm these purchases were not made on my XXXX account and DID NOT go to any address I associate with or ever shipped items before. 

I can affirm I called B of A within minutes of seeing what was going on. 

I am asking thorough investigation to be done because Bank of America did not do one, at all! Their lack of regard for this situation is terrifying as the amount is {$8500.00} + charges that ARE NOT MINE! 

Bank of America is not willing to look into this and I have been tossed off to the side and told they arent going to do anything more. 

I will be filing a police report as well. Please help me with this situation. 

Here is the second claim # they gave me when I called on XXXX XXXX XXXX XXXX I also found they did not cancel my debit card as I requested and did not send me out a new card. I had to ask again on my call on XXXX. 

XXXX XXXX XXXX and XXXX
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (OR)

I had logged on tried to " schedule '' a payment with Discover.com. 
The payment was charged early, and while the money was in the account, it had not been transferred over yet, because it went as scheduled. 
The {$29.00} fee did not show up until the end of the month and is not disputable. Which is incorrect, I am formally requesting arbitration per the customer agreement, with the CFPB as a witness. You may have your {$29.00}, but you will earn it. I dispute this charge as unreasonable. I look forward to working in person to address these issues. 
It is unfortunate that we live in world where corporate America is so greedy they would XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX if they could charge for it! God Bless America though!
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (FL)

Comenity Bank had someone elses payments and transactions posted on my account on XX/XX/XXXX. I called them but the CSR could not understand what I was telling him. He kept asking me if it was fraud. It was not fraud, it was an account problem where what I was seeing online was not my information. He finally gave me the IT department number. Of course, no one would answer the phone. I finally resorted to contacting Comenity Bank through their online Secure Messaging. I had a very generic response within 24 hours stating the request had been forwarded to the correct department. I have received no communication from them since XX/XX/XXXX. As I am very concerned about the state of their online security I assume someone else was able to see my payments and transactions I started requesting them to close my account on XX/XX/XXXX through their " secure '' messaging. They will not allow you to close an account online. I dont have hours to spend waiting on hold, so I have requested they close my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have had no response from them nor has my account been closed. I am very unhappy with this bank. I have had the Sony credit card for years and closing the account will reduce my credit score. However, when the card was transferred to the control of Comenity Bank there have been constant website outages, the inability to access my account online, and the card declined at various brick-and-mortar stores ( where the card was presented in person and I had a large available credit balance ) with no explanation when I called the number on the back of the card, etc. Their customer service is non-existent. I can no longer tolerate the ineptness of this bank. I am upset my personal information may have been compromised ( with no explanation or even an apology ) and my credit score has to take a hit because of their incompetence. Please help.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My parents were victims of identity theft and their Bank of America checking account was hacked. Individuals used their information to write to a fake check for {$2000.00} and used their debit card to make additional unauthorized purchases for different amounts of {$270.00}, {$8.00}, {$390.00}, and {$3.00}. We have repeatedly reached out to Bank of America fraud department and rerouted across the debit department, the check department, and the general fraud department. We've tried to place a freeze on the account, but each time we are told there is a freeze, when we reach out again over phone, a representative informs us that there is no freeze. Furthermore, there have been credit cards that are being issued in this account even though we did not apply for them. We've been trying to resolve the issue so that we can recover the money lost via the fraud and to close the account to avoid future issues, but have been struggling to the account issues fixed.
Consumer complaint received 2022-08-24
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. (GA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX FI, XXXX, XXXX MORTGAGE, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX FIN, and XXXX have 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-12-29
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Credence Resource Management, LLC (MI)

Dear Credence Resource Management, I am writing to notify you that your actions in connection with the alleged debt have led to a default on your part. This letter serves as a Notice of Default and provides you with an opportunity to cure the identified breaches in accordance with applicable laws. 


**1. Default in Arbitration Agreement ( Federal Arbitration Act ) : ** - **Remedy : ** Cease all collection efforts immediately and proceed to arbitration. - **Legal Reference : ** Federal Arbitration Act ( 9 U.S.C . 1 et seq. ) **2. Violation of Privacy Laws and Unauthorized Reporting ( 15 USC 6801-6808, 15 USC 6802 ) : ** - **Remedy : ** Cease any unauthorized reporting and rectify the violation of privacy laws. - **Legal Reference : ** 15 USC 6801-6808, 15 USC 6802 **3 . Fair Credit Reporting Act ( FCRA ) Violation ( 15 USC 1681 ) : ** - **Remedy : ** Ensure accurate reporting and validate the debt appropriately. - **Legal Reference : ** 15 USC 1681 **4. Forgery Allegations ( Fair Debt Collections Act - 15 USC 1692e ) : ** - **Remedy : ** Provide the original expressed written consent to be a debtor/consumer or cease collection efforts. - **Legal Reference : ** 15 USC 1692e **5. Responsibilities of Furnishers Violation ( 15 U.S. Code 1681s2 ) : ** - **Remedy : ** Comply with responsibilities as furnishers of information. - **Legal Reference : ** 15 U.S. Code 1681s2 Failure to cure these defaults 21 days from the date of this letter will leave me with no option but to pursue legal action to enforce my rights and seek remedies under the applicable laws. I will seek damages, injunctive relief, and any other remedies available under federal law.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hello, I got crypto scammed badly and I am trying to return money. I lost around {$2300.00}. 
My bank is a Bank of America. 
Transactions : XXXX : {$200.00}, {$300.00} XXXX : {$250.00} XXXX : {$300.00} XXXX : {$500.00}, {$400.00}, {$300.00}, {$200.00} What happened is that I got scammed, I downloaded a XXXX exchange apps called XXXX and XXXX and started using it because I was added into a telegram channel of XXXX XXXX where they send XXXX alerts. At first I didnt trust it, but then I looked up a XXXX XXXX and it seemed to be legit. I started transferring into XXXX and then from XXXX into XXXX. I realized later that my money just started dissapering from my XXXX account. It was too late I already lost {$2300.00}. I filed a claim to the government agency, they told me you can help me return money. I am very hopeful that you will be able to help me. 

Thank you, XXXX.
Consumer complaint received 2023-12-29
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: National Credit Adjusters, LLC (MI)

Subject : Notice of Default and Opportunity to Cure REF : Dear NCA, I am writing to notify you that your actions in connection with the alleged debt have led to a default on your part. This letter serves as a Notice of Default and provides you with an opportunity to cure the identified breaches in accordance with applicable laws. **1. Default in Arbitration Agreement ( Federal Arbitration Act ) : ** - **Remedy : ** Cease all collection efforts immediately and proceed to arbitration. - **Legal Reference : ** Federal Arbitration Act ( 9 U.S.C . 1 et seq. ) **2. Violation of Privacy Laws and Unauthorized Reporting ( 15 USC 6801-6808, 15 USC 6802 ) : ** - **Remedy : ** Cease any unauthorized reporting and rectify the violation of privacy laws. - **Legal Reference : ** 15 USC 6801-6808, 15 USC 6802 **3 . Fair Credit Reporting Act ( FCRA ) Violation ( 15 USC 1681 ) : ** - **Remedy : ** Ensure accurate reporting and validate the debt appropriately. - **Legal Reference : ** 15 USC 1681 **4. Forgery Allegations ( Fair Debt Collections Act - 15 USC 1692e ) : ** - **Remedy : ** Provide the original expressed written consent to be a debtor/consumer or cease collection efforts. - **Legal Reference : ** 15 USC 1692e **5. Responsibilities of Furnishers Violation ( 15 U.S. Code 1681s2 ) : ** - **Remedy : ** Comply with responsibilities as furnishers of information. - **Legal Reference : ** 15 U.S. Code 1681s2 Failure to cure these defaults 21 days from the date of this letter will leave me with no option but to pursue legal action to enforce my rights and seek remedies under the applicable laws. I will seek damages, injunctive relief, and any other remedies available under federal law.
Consumer complaint received 2022-08-24
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. (IN)

These soft inquiries need to be removed from my credit report as they are fraudulent. Already tried to fix it with the credit bureaus and they are unwilling to help me and remove the soft inquiries. They claimed that the inquiries can not be removed, but you can remove them instead of the credit bureaus. I have never applied for an XXXX XXXX credit card and have no interest applying for one in the future since this happened to me. Please remove these soft inquiries from my credit report from ALL credit bureaus. There may be more in your system but they all need to be removed as they are all fraudulent. I would like all my accounts closed permanently. I will decide whether I want to open them back up if I happen to want to apply sometime in the future which is very unlikely. I am not going to ask again to have them removed since this has continuously going on time and time again, and have been working with you and credit bureaus to get them removed for over a year now. Some of the inquiries are listed below. 

XXXX XXXXXXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX
Consumer complaint received 2022-08-24
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. (IN)

These soft inquiries need to be removed from my credit report as they are fraudulent. Already tried to fix it with the credit bureaus and they are unwilling to help me and remove the soft inquiries. They claimed that the inquiries can not be removed, but you can remove them instead of the credit bureaus. I have never applied for an XXXX XXXX credit card and have no interest applying for one in the future since this happened to me. Please remove these soft inquiries from my credit report from ALL credit bureaus. There may be more in your system but they all need to be removed as they are all fraudulent. I would like all my accounts closed permanently. I will decide whether I want to open them back up if I happen to want to apply sometime in the future which is very unlikely. I am not going to ask again to have them removed since this has continuously going on time and time again, and have been working with you and credit bureaus to get them removed for over a year now. Some of the inquiries are listed below. 

XXXX XXXXXXXX XXXX  Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A. (DE)

On XX/XX/XXXX I went to XXXX in XXXX DE. I $ XXXX for XXXX  and about {$18.00} for a small birthday cake and a # XXXX birthday candle. 
I used self check for the cake. The XXXX  I paid for at the Pharmacy. 

The night of XXXX? XXXX My visa card was used at XXXX XXXX  for a yogurt melt, an organic snack and a plush monkey and a {$400.00} dollar gift card On XX/XX/XXXX My XXXX card was used at XXXXXXXX XXXX  for makeup ( which I have not worn for 12 years since I retired ) and a {$400.00} visa gift card. 

On XXXX? XXXX XXXX XXXX card was used for a tank top and a crop top ( I am XXXX and weigh XXXX lbs -- I would not wear these top ) and a {$400.00} visa gift card. 

When I say MY CARD, I mean the infor of the cards. The card was in my pocketbook which was in my personal home safe. 

PNC keeps telling me these were " valid '' purchases. They are incorrect. 
I have called every week day to solve this problem. I have been told that " someone '' will call me. I have called the State Trooper unit in XXXX. 

I have talked to XXXX ... .They said they have film. As far as I know PNC fraud has no true documentation for these expenses.
Consumer complaint received 2022-08-24
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. (IN)

These soft inquiries need to be removed from my credit report as they are fraudulent. Already tried to fix it with the credit bureaus and they are unwilling to help me and remove the soft inquiries. They claimed that the inquiries can not be removed, but you can remove them instead of the credit bureaus. I have never applied for an XXXX XXXX credit card and have no interest applying for one in the future since this happened to me. Please remove these soft inquiries from my credit report from ALL credit bureaus. There may be more in your system but they all need to be removed as they are all fraudulent. I would like all my accounts closed permanently. I will decide whether I want to open them back up if I happen to want to apply sometime in the future which is very unlikely. I am not going to ask again to have them removed since this has continuously going on time and time again, and have been working with you and credit bureaus to get them removed for over a year now. Some of the inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX
Consumer complaint received 2022-08-24
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. (GA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX FI, XXXX, XXXX MORTGAGE, XXXX, XXXX, XXXX XXXX XXXX XXXX FIN, and XXXX  have 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.