davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-25
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 XXXX Account # XXXX ( XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX ), # XXXX ( XXXX ), # XXXX ( XXXX  ), # XXXX ( XXXX XXXX ), # XXXX ( XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX BANK ), XXXX XXXX ( XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX BANK XXXX XXXX  ), # XXXX ( XXXX ( Original Creditor : XXXX XXXX ), # XXXX ( XXXX XXXX XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX & XXXX ), # XXXX ( XXXX  ) ; has violated my rights under sections. 

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.
Consumer complaint received 2022-08-25
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$920.00} o XXXX Balance {$1600.00} XXXX XXXX XXXX XXXX Balance o XXXX Balance - XXXX XXXX XXXXXXXX Balance {$1600.00}
Consumer complaint received 2022-08-25
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. (TN)

Transunion Consumer Solutions XXXX Secured credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$140.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$640.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (PA)

On XX/XX/2022 there was a credit inquiry from Bloomingdales. I did not authorize this credit inquiry that has been posted onto my credit report. I did not attempt to open a line of credit at Bloomingdales. The same day, an application was submitted for Macy 's where a line of credit was approved. I did not apply for a Macy 's credit card. I have submitted a complaint on the Macy 's line of credit. I have contacted experian and they have marked the inquiry as fraud.
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc. (MS)

I have reached out to Grain technology services on changing my account information to be able to process payments to my account. 

Theres trouble shoot issues on their app. 
And its causing late payments, which is effecting my personal credit. They do not a customer service number that connects to an actual person. 

I have emailed them several times and only to get a automated response saying I will get connected to a real human to be further assigned but no response. 

This has been going on for months now and I can not get in contact with anyone to solve this problem.
Consumer complaint received 2020-02-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (OR)

I can't log-in to my account & I looked up the bank & many maybe almost all that complained about them & /or their number/s was about them constantly calling them like auto/robo-calls saying to just call them or press a number just like scam numbers. I've tried emailing them telling them I couldn't even log-in to my account & they didn't say anything in the reply email when I contacted them on the website but to call them! I didn't know almost a year ago that it was near the limit ( since I couldn't log-in & check it ), yet the store said it was okay/accepted to use ( charge ) the card for a purchase maybe around {$100.00} or {$80.00}, it didn't refuse it & bounce it back ( as a more professional/ real bank would do ). They charged the amount making it over the limit ( by around {$20.00} before the monthly fees & other ) & then started the increased monthly charges & increase of every fee so either magically pay ( now ) over {$300.00} AT THE END OF THE MONTH ( when majority of humans that get monthly/weekly payments DON'T have money ) or keep getting these 5 or 6 robocalls DAILY. I also noticed once it went over the limit I also started " suddenly '' getting SCAM/spoof CALLS also ( daily )! Clearly they either also sold my number to cam artists/sites & /or are SO irresponsible their site got hacked & my info ( mostly my phone number/s ) was sold to scammers.
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I had previously set up an auto payment on my credit card ending in XXXX for {$3000.00} and then cancelled and changed it to {$500.00}. I got an email from Bank of America acknowledging the revised payment. On XX/XX/XXXX they took both the {$3000.00} and the {$500.00} from my account. I immediately called and advised them of the error, and they advised that they would refund my {$3000.00} once it posted in 2 to 4 business days. It is now the XXXX of XXXX and I still have not got my money back. I have called over ten times and been given the run around. My credit account has a XXXX balance and I still do not have my money back. I have had to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is an injustice that needs to be addressed. Please help me get my money back from Bank Of America.
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

I previously filed a complaint about Bank of America and its failure for over 2 years to close my accounts. They responded with a factually inaccurate response and ignored the original complaint. They continue to leave accounts open or allow new accounts to be opened without verification of authenticity. I want all accounts in my name closed now and forever and I do not want to have to call them again and navigate their ridiculous phone system that puts me on hold for hours with zero resolution. I will never give another dollar to Bank of America again, they do not care one bit about their customers.
Consumer complaint received 2022-08-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have a 12-month personal CD ( certificate of deposit ) for {$1000.00} with Bank of America , opened on XX/XX/2022. I opened this CD as a collateral for a business credit card. The business credit card has since been closed by me 3 months ago. The card was closed with XXXX balance. Since then, I've wanted to close the associated CD account as well, by prematurely withdrawing the money minus any penalties, as per the terms. Unfortunately, I haven't been able to close the CD despite repeated attempts. Whenever I call the CD department, I'm told there is a hold on the CD placed by the business credit department due to the ( now-closed ) credit card. I called the business credit department multiple times as well, and each time I was told they will remove the hold in 5-7 business days, and I should call the CD department to close the CD after that, which never happens since the next time I call the CD department, the hold remains. So, I've to go round in circles, without being able to close the CD. So far, I've spent some hours talking to both departments, and being on hold.
Consumer complaint received 2022-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

Navient harrasses me and my mom everyday with phone calls about late payments. Also, recieve non stop mail about garnishing wages if I do not submit a payment. Thing is, my student loan is through XXXX, not Navient, and when I log in to my federal student loan account ( which I have attached images showing I owe Navient {$0.00} ) and my XXXX repayments have been on hold for quite a while. Repayment doesn't even start back up until XXXX. This company has ruined my credit, so much so that I can't even purchase a vehicle.
Consumer complaint received 2022-08-25
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. (TN)

Equifax Information Services LLC XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$140.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$640.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX  XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$150.00}. This account is incorrectly reporting that I have 7 late payments. On my XXXX report there are XXXX late payments being reported. 

Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Consumer complaint received 2022-08-26
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Three checks were deposited into my Bank of America account total of XXXX then my account ended up being negative XXXX dollars I closed my account in 2020 tried to open a checking account at a credit union but cant because of my Bank of America experience
Consumer complaint received 2022-08-25
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. (MO)

I have reached the peak of my patience because of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/2022 and the the most recent letter I sent was dated XX/XX/2022 with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have failed to provide. The following accounts which I believe to be reporting erroneous information must be deleted under the provisions of the Fair Credit Reporting Act : 1. XXXX XXXX  XXXX XXXX Balance Owed : {$1200.00} 2. XXXX XXXXXXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX Balance Owed : {$10000.00}
Consumer complaint received 2022-08-25
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. (MO)

I have reached the peak of my patience because of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/2022 and the the most recent letter I sent was dated XX/XX/2022 with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have failed to provide. The following accounts which I believe to be reporting erroneous information must be deleted under the provisions of the Fair Credit Reporting Act : 1. XXXX XXXX  XXXX XXXX Balance Owed : {$1200.00} 2. XXXX  XXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX XXXX XXXX : {$10000.00}
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

I recently tried to dispute over the phone with Equifax on XX/XX/2022 the below listed hard inquiries as well. I was informed by the agent that they would be deleted in 24-48 hours. Instead, I received a report # XXXX in exactly 2 days later stating that the hard inquiries were FACTUAL. I know that Equifax did not truly do their due diligence to confirm this information as factual because I should not have received a report so soon had a thorough investigation been completed. This information listed below this is not true, I do not hold accounts with these companies, and they all need to be deleted immediately. The accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-25
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. (AL)

to whom it may concern i am a victim of identity theft the items of my concern are XXXX acct # XXXX amount XXXXXXXX XXXX  the account was opened on XX/XX/XXXX and XXXX XXXX account # XXXX the account was opened on XX/XX/XXXX amount of the card XXXXXXXX XXXX  these two accounts were unauthorized and i would like the removed immediately
Consumer complaint received 2022-08-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (NC)

In accordance with the fair credit Reporting act XXXX Account, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

This Account reflects a Highly Inaccurate Amount owed.

Ive requested Verification of Debt on multiple occasions.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Ref : Bank of America - Home Loan number : XXXX Bank of America - Escrow Account Number : XXXX To Whom it May Concern, XXXX XXXX is XXXX XXXX of age and has been a customer of Bank of America for over 40+ years. 
I am XXXX neighbor and dear friend and I happen to work in the Financial Industry. 
For the past two years XXXX has kept me informed of the challenges that he was having and I could see how taxing this was on his health. He has spent, ( countless hours on the phone and at the branches ), imploring, that something was wrong with his mortgage, he has never been late on a mortgage payment in his life. ( See attached XXXX spreadsheet ), of the attempts to fix this issue with Bank of America. 

In XX/XX/XXXX XXXX received a real estate loan in the amount of {$220000.00} to purchase a property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Prior to his loan closing he opened an escrow account with Bank of America to make his Principal, Interest, Taxes, and Insurance payments monthly. This escrow account was funded from a XXXX XXXX account # XXXX. In XX/XX/XXXX they set up for an ACH debit from their XXXX Account to the BofA escrow account monthly, ( see attached statements ). 
When they received the XX/XX/XXXX mortgage statement, he noticed that the mortgage payment was not made for the month of XX/XX/XXXX but the XXXX ACH debit went through to Bank of America Escrow Account, they assumed it crossed electronically. 
On XX/XX/XXXX they received a letter from BofA Home Loan Account that they were delinquent. This is where the nightmare begins, ( See XXXX Spreadsheet ), outlining all of the phone calls, letters, in person visits, to no avail. BofA confirmed that it was their mistake and this would not impact XXXX credit. I told them to pull his credit immediately and yes it showed in arrears 30, 60, 90 days delinquent on their mortgage. His credit score plummeted to XXXX via XXXX. 

At this point at the end of XXXX, throughout XXXX and XXXX, they continuously show delinquent on their mortgage payment. Their cries for help have fallen to no avail. 

Please call my Partner who is on the deed of trust XXXX XXXX at XXXX Attachments : 1 ) XXXX Spreadsheet showing continual contact and case numbers from Bank of America 2 ) Bank of America Mortgage Statements by month 3 ) XXXX Statements showing ACH debits to credit BofA Escrow.