davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
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. (FL)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 1. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I am being charged 23.99 % APR on the Cash advances that I pulled from this account. I understand I owe this finance charge for getting a Cash Advance. But the problem I have is that this monthly Finance Charge is being added to the Balance of Cash Advance to calculate the new interest amount at 23.99 % owed for the following month! Is this legal? The last time I pulled a Cash Advance was more than 12-months ago, yet my Cash Advance Balance continues to grow because they are adding the monthly Finance Charge amount to the bucket of Cash Advance to calculate the following months 23.99 % Interest owed. It has grown by almost {$2000.00}. I would like an explanation of why they are adding the Finance Charge to the Cash Advance bucket that calculates the interest at 23.99 %.
Consumer complaint received 2023-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WA)

Initial mortgage was taken out XX/XX/XXXX in the amount of XXXX. We have been making timely payments since that date. Our servicer has changed from Conseco, to XXXX, XXXX XXXX, and finally to Shellpoint. During this process we did go through a deferment for 5 months from XX/XX/XXXX to XX/XX/XXXX. Once completed we paid ourselves current. 
I contacted Shellpoint for documents pertaining to our deferment, however ; Shellpoint insists they do not have any records of a deferment ( the deferment shows on the statement ) or the payment of brining the mortgage current. We still got nothing from Shellpoint, they keep telling us they will send but we have not received, and it has been > 6 months. 
I contacted Shellpoint regarding the amortization schedule, they said they did not have that either. According to a Mortgage professional, when we went to refinance the home, she didn't understand 2 things. 
XXXX why after XXXX of payment on $ XXXX we still owed $ XXXX and XXXX. Why the amount of interest being paid each month fluctuations greatly. Just last month the interest payment was XXXX. This is after paying for XXXX. 
My Mortgage analyst shows that we should be somewhere between $ XXXX $ XXXX. XXXX as of XX/XX/XXXX XXXX
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (NY)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/2023 my checking and savings accounts were closed by Bank of America without explanation. I was informed of this after discovering I was unable to access my online banking portal, and called customer service to discuss how to access my account. 

At the time of the closure of my two accounts I had two banking disputes with Bank of America : First, on XX/XX/2023, I authorized my wife to make a cash deposit into my checking account at a local Bank of America. She used their ATM. The cash amount to be deposited was {$3700.00}. In the process of depositing the cash, the ATM screen froze, an error message appeared, and the machine dispersed {$630.00} only. The ATM went back to the home screen. Since then, there was no indication that the remaining {$3100.00} was deposited into my account. My wife and I called the bank and initiated a formal dispute for the missing funds. On XX/XX/XXXX I received a message that our dispute/claim was denied with no explanation. 

Second, on XX/XX/2023, I received a message informing me that there was suspicious activity on my account. There were three charges from an online betting website out of XXXX, NY. A company I'd never heard of. I confirmed these were unauthorized transactions. Two of the transactions were denied, and never charged to my account. The third was charged to my account - a {$150.00} charge. This disputed charge was still taken from my checking account when the bank closed my accounts. 

I called Bank of America several times to discuss these issues, where I spent long periods of time on hold, being set from one department to another, without any substantive discussion of the issues/disputes. Finally, when I was informed that my account would closed, the representative simply read a route message indicating that I agreed that Bank of America can close my account without explanation, and they have decided to do so. 

It is extremely clear that I am powerless on my own in this situation, and need help. I was a Bank of America customer for over ten years prior to these incidents without any issue. That they cancelled my account after these issues came up, is deeply disconcerting. I am now left with no means to access my funds nor pay my recurring bills.
Consumer complaint received 2023-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (AZ)

Hello, I am filling a complain against credit systems international. 
on XX/XX/2020 XXXX XXXX reported to the credit systems collection that I do owe XXXX XXXX {$100.00}, I have been contesting this item for several years as it does not belong to me and should have been removed due to burden of proof. 
this past XXXX weeks I apply for a house mortgage and this effecting getting the loan, finally contact the collection and I told them that this not belong to me because I don't live in Alabama in XXXX and it does not belong to me, they asked me for proof which is I don't have since its not mine and she refused to remove it. 
Its been disputed with XXXX but they say It will take up to 30 days and I don't have this time because I am about to lose our chance to get the house me and my family wanted.
Consumer complaint received 2023-06-26
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: EQUIFAX, INC. (TX)

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.

The letters are stated with items and issues.

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 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 2023-06-26
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)

There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account number : XXXX
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (NC)

On XX/XX/2023, I noticed 2 charges on my chime XXXX account, I did not authorize. At the time the charges were pending, I immediately contacted chime and asked them to dispute the charges. Chime advised me to wait until the transaction clears and they could then dispute the transaction. On XX/XX/2023, the charges cleared and I opened a dispute. The amount taken from my account was {$1800.00} on one transaction and {$20.00} on another transaction. Within 8 hours of disputing the transaction chime denied my dispute. I filed a police report, I contacted the XXXX  and filed a report. I contacted the merchant and asked them to refund the charges. All of this information was provided to chime. The claim id was XXXX
Consumer complaint received 2023-06-26
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: Upgrade, Inc. (OH)

On XX/XX/XXXX of XXXX I received an email notification of recent card activity stating a purchase was made at XXXX XXXX XXXX XXXX XXXX in the amount of {$2400.00}. I immediately called to report this transaction as fraud. The dispute team was closed and I was informed to call back during regular business hours. I called and successfully opened a dispute on XX/XX/2023. Upgrade requested XXXX single document on XX/XX/2023, " A written statement describing the situation that led to your dispute ''. They requested to receive this statement by XX/XX/2023. I submitted this information in a provided statement sent via email on XX/XX/2023. The Upgrade team then responded via email on XX/XX/2023 stating " we do not have enough information to conclude our investigation and still need you to provide the following documentation - We would like to have a complete police report ''. I submitted a police report with the XXXX police department on XX/XX/2023 and I called to inform Upgrade that my police report will be emailed over once I receive the official report ( an online submission grants an unofficial report ). Upgrade closed the dispute on XX/XX/2023 marking me as responsible for the transactions stating the police report was not received. The XXXX XXXX department was backed up and slow in processing reports, I called upgrade requesting them to re-open the dispute and they informed me on the phone that I can call back to re-open the dispute when I have the official police report in hand. I received an email on XX/XX/2023 stating that my police report was available. In calling today to send over the information, I've been told that I'm responsible for the charges and must make a payment of {$100.00} by XX/XX/XXXX since my dispute was declined. 

It's worth noting that my upgrade card has actually never been swiped or used. It is a dormant card and before authorizing this purchase, some sort of verification or authentication process should've been followed. Upgrade representative states " Upgrade is a growing company and unfortunately does not have those types of security measures in place. ''
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

XXXX is throwing out my dispute paperwork, and refusing to remove negative items from my credit report also the company is giving me a hard time with investigating negative items.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

other reports show XXXX balance, closed ... ..TransUnion update pending for months, please correct immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST PORTFOLIO SERVICING INC (CA)

Hello Revvi Credit Card showed up on my credit report in XXXX and i immediately disputed the account because I never opened a credit card with Revvi or any other creditor this year. Contacted Revvi, was placed on holds, transferred around, explained I never opened this account close it immediately they told me I would need to fill out paperwork, never received paperwork called them back and they kept disconnecting my call saying without the paperwork they can not help me. Ive disputed this with all XXXXXXXX, XXXX and XXXX, and it keeps coming back verified but that is false.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 2023-06-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Valor Intelligent Processing, LLC (MN)

I get repeated debt collector calls for someone named XXXX XXXX. It's all automated and I've gone through the process to have my phone number removed, stating this is an incorrect person. For months, still receiving calls that aren't for me.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX Trans Union Customer Service XXXX XXXX  XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir/Madam, I am writing to dispute an item on my credit report. I have requested validation of this debt but have not received it. 
Under federal statute15 U.S. Code 1692g of the Fair Credit Act that requires debt validation. I am entitled to request validation of any debt listed on my credit report within 30 days of such request. I have made this request but have not received any response from Trans Union or XXXX. 
I am requesting that Trans Union and XXXX remove this item from my credit report or face litigation for noncompliance of federal statue.

Thank you for your attention to this matter. 
Sincerely, XXXX
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I had an open auto loan with XXXX XXXX XXXX XXXX that has been paid off. However, before it was paid off, my XX/XX/XXXX payment was marked as 30 days late when the payment was called in on XXXXXXXX XXXX. While on the call the recording stated that the call was being recorded and towards the end of the call I was asked to speak my name again for the recording then the payment was completed. I received a call from XXXX a short time afterwards informing me that my account was 30 days late. I informed them that Id made my payment but after checking with my bank I was informed that they never withdrew the payment. I immediately called XXXX back and made another payment with a representative. I asked if they could pull that recorded to call so that they would know the error was on their end. The representative then informed me that although the recoding says the call is being recorded, it only records if you speak to live agents so they wont be able to listen to it resulting in the 30 day late mark remaining on my report. I have disputed this payment several times now with XXXX XXXX and they werent responding at all until I just recently disputed it with XXXX, XXXX, and TransUnion while giving my supporting evidence and they just responded as verified. I have no control over XXXX XXXX phone system nor did I have any way of knowing that they were obviously having phone errors as a consumer.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ALLY FINANCIAL INC. (TX)

My son used my credit card to make fraudulent cash advances. He used my phone to verify and authenticate the cash advances with out my permission and he is not an authorized user on my card. The date of the incident was XXXX and there were 2 cash advances each of {$300.00} and {$300.00} totaling {$600.00}. I explained the situation to the bank and was given credit for the amount while they conducted their investigation. I had the credit charges reversed and the Credit card issuer claimed it was me that made the cash advances even though during the 2 years I have had the card I have never made a single cash advance. I did not report my son to the police because I don't want him going to jail over this act, I hope the Cfpb can help me resolve this issue.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I have received a statement from Chase and also from a creditor ( XXXX XXXX XXXX XXXX ) that I owe a number amount of debt. I didn't open new credit cards. I only have XXXX credit card opened. I've been receiving mails & emails that there were accounts opened under my name. I don't recall and authorized opening a credit card. I think somebody has been using my identity and using my personal information to open accounts.