davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

Funds in the amount of {$79.00} was fraudulently stolen from my account on XX/XX/XXXX. The bank ( USAA ) initially reimbursed the funds on XX/XX/XXXX but took the funds back on XX/XX/XXXX, based on their investigation that said, " We can validate members information to the merchant documentation provided name, email id, and previous history with merchant. '' This is silly because thieves do not pull your name out of a hat, they link your account with the merchant. In my case, I did not place the fraudulent order but have in the past when my dog was alive. He passed away XX/XX/XXXX. 

However, I called the merchant " XXXX '' today at XXXX hours and spoke with a woman by the name of XXXX. She did not have my updated e-mail address on file. I had to give her my old email address to look up the account, so with that said, USAA said that they verified my email address with the merchant, but the merchant ( XXXX ) did not have my current email address at the time the money was fraudulently stolen. 

Due to several charges that led up to the amount of {$79.00} ; XXXX advised me that she would need the total of each amount and the date and therefore could not retrieve the information I requested, which was where was the order shipped to? 

I need my money reimbursed back into my account ASAP!
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The beginning of this year some time after XXXX Bank Of America closed my account with out my consent. I recently became aware of a billing error on my statement. Pursuant to 15 USC 1666d any credit balance in excess of {$1.00} should be credited or refunded to the consumer. I have identified in a billing statement issued on XX/XX/2023 in the amount of {$6000.00} should be refunded or credited to me the consumer. According to18 USC 8 all debts public and private is the obligation of The United States.
Consumer complaint received 2022-08-05
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. (MI)

In reference to CFPB complaints XXXX and XXXX : This will be my third complaint in regard to false and inaccurate information being reported on my report without my consent since XXXX. After over an hour long call on the phone earlier today, the supervisor showed no remorse for the fact that I have had ongoing issues with my Equifax consumer report. He explicitly stated that " they just report what lenders give ''. Even after I expressed that I had firsthand knowledge that It was inaccurate and that the investigation process that he described was not the one that congress explains the supervisor didn't offer any resolution to reassure me that he understood their grave duty to furnish fair and accurate reports. He also refused to give me any documents that would prove that the alleged debts are valid. Being a supervisor, I was highly disappointed that he was not willing to help me in any way and only told me what he couldn't do. 

I have been affected by the erroneous reporting of Equifax and I would like them to show some sympathy for the damage that they cause and to acknowledge my request to delete the following accounts.
Consumer complaint received 2022-08-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

On XXXX I submitted Check # XXXX for {$1000.00} to pay the XX/XX/2022 mortgage payment, which was the month due on my account. This check cleared my credit union on XXXX. The company has not updated my mortgage payment to show that the payment due is now XXXX. It still says that XXXX is still due and the check I sent even states sept. XXXX payment on it and the payment coupon I sent with the payment was for XXXX. I did not complain last month because the mortgage company applied my payment correctly and there was no need to complain. In each of the companies responses to my complaints is that they accept the current month plus XXXX month and that is all I am, but they still do not apply my payment as a mortgage payment. I am current month ( XXXX ) plus XXXX month ( XXXX ) paid and next due is XX/XX/2022. Please apply my payment as a mortgage payment and update my acct to show next payment due is XX/XX/20XXXX XXXX
Consumer complaint received 2022-08-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX BK XXXX XXXX XXXXXXXX, BK XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc ()

I have been using PayPal to receive payments for my online business and also paid some of my staff using same platform.

I then got a notice that PayPal is requesting for my verification details I gladly provided the files required and all was fine until i get notified that my account has been permanently limned I immediately contacted the executive office and was told that one of the accounts I used to make payments to and they linked to me had a limitation hence why i was also banned, I feel this was not fair on my
part as I can not have control over how other people use their PayPal accounts I just really want my account back
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

I was given a care credit card by the XXXX office back in XX/XX/XXXX, which never explained to me how the card worked, only that once the no interest promotion ended, interests would start to be charged. I was never told that once the promotion ended on XX/XX/XXXX, I was going to be charged a lump sum, in this case, over {$1000.00} dollars for interests that were not paid since the promotion period started. I called the card company and all they said was that if I paid in full for the original amount, the interests would be waived, and that all of that was explained in the statements, which is not true. I don't see where it says that during the promotional period, interests would accrue and must be paid as if the promotion never existed. In other words, that is false advertising, no one ever said anything about that, I have never had to pay backdated interests for any promotion!!!
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. (TX)

I am writing to request the immediate blocking and deletion of specific accounts and inquiries from my credit report. I am a victim of a recent data breach, and under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed to prevent further misuse of my personal information. 
Accounts to Be Blocked and Deleted : XXXX XXXX  - XXXX - XX/XX/XXXX - {$1200.00} Inquiries to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-01
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. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-08-05
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: CITIZENS FINANCIAL GROUP, INC. (MA)

My credit was used in XXXX in XX/XX/2021. I was in the US. The transaction was cash advance for {$3700.00}. I was charged international transaction fee as well as cash advance fee. 
I reported that I did not know about the transaction and that I was not in XXXX. The bank treated it as dispute instead of fraud
Consumer complaint received 2022-08-05
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. (CA)

XXXX ( XXXX ) dispute letters were already sent to the Credit Bureaus but upon reviewing an updated Credit report I ordered from XXXX, I was taken aback to see that no changes was made at all! I am frustrated by these actions taken by the Credit Bureaus. I was a victim od identity theft and the items I am requesting to be removed were the results of such crimes. I have read enough to understand my rights which is under the protection of the FCRA section 605b. By the Credit Bureaus choice to ignore mt requests and continued reporting of the disputed items without proper verification or authentication is a cleat violation of my rights. I am rsubmitting this complaint to protect my rights and request that the Credit Bureaus remove the disputed items completely from my Credit Report as soon as possible : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$270.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$270.00}
Consumer complaint received 2024-11-01
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. (MD)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
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. (SC)

I am writing to formally request the immediate blocking and deletion of specific accounts and inquiries from my credit report, as I am a victim of a data breach and identity theft. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have unauthorized or fraudulent information removed from my credit file to ensure its accuracy. 
Please remove the following accounts from my credit file : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1800.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2900.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$610.00} Additionally, please remove the following unauthorized inquiries from my credit file : XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America, I am an authorized user on a credit card - you had it reporting to the 3 major credit bureaus - and now it is not. 

Please have the credit card accurately report to the bureaus. 

Attached to this complaint are : - My drivers license - My social security card - My address - My credit card front and back
Consumer complaint received 2022-08-05
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)

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX OF XXXX XXXX, XXXX OF XXXX XXXX
Consumer complaint received 2022-08-05
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. (LA)

I have submitted several letters to BOTH credit bureaus- Equifax and XXXX disputing this Account with ( XXXX CARD ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''account status '', ''dispute status '' and ''date of last activity ''. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM BOTH BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. NEITHER CREDIT BUREAU IS SHOWING A ACTUAL ''CLOSED DATE '' or ''VERIFIED DATE '' FOR THIS ACCOUNT. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

BOTH credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against BOTH credit bureaus and ( XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Consumer complaint received 2022-08-05
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please remove the negativity immediately. 
XXXX XXXX PL XXXX XXXX, NY XXXX. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-05
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please remove the negativity immediately. 
XXXX XXXX PL XXXX XXXX, NY XXXX. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX UNIT XXXX, XXXX, IL XXXX Incorrect Name : - XXXX XXXX Employer - XXXX XXXX XXXX Incorrect DOB : - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2022-08-05
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. (TX)

Ive contacted Transunion on numerous occasions about the accounts theyre reporting on my credit file. They seem to fell to supply me with the needed verification of theyre investigation and reinvestigation due to the fact of them not accurately and throughly conducting the proper investigation and reinvestigation. 

Outside of you guys forwarding my dispute letter to creditors how are you investigating the accuracy of the accounts in question? 

I last sent in dispute about accuracy of accounts XX/XX/2022 I have yet to get any response. 

It appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making this last attempt to have these errors corrected on my consumer report. 15 USC 168li ( A.5 ) says that after the reinvestigation all of the unverified information must promptly be removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that it can not be verified or validated.
Consumer complaint received 2024-10-15
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: EQUIFAX, INC. (MN)

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.
Consumer complaint received 2022-08-05
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. (DE)

In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX XXXX Account Name XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-01
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. (GA)

In accordance with the Fair Credit Reporting act has violated my rights. 

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

15 U.S.S 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.