davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I booked a hotel room on XX/XX/2023 with what I thought was XXXX XXXXXXXX XXXX XXXXXXXX. I only booked the hotel because it stated there was free cancelations and breakfast. On the Morning of the XXXX my son woke up with a XXXX, I immediately called the hotel to cancel. The hotel said they would be happy to refund me, but I used a 3rd party called XXXX to book. That company received the money and they would have to refund me Since the hotel NEVER received the funds. 
I immediately canceled with XXXX But was told that even though my son was diagnosed with XXXX XXXX, they would not issue me a refund because I did not give them a 24hr notice. I explained there was less then 24 hours from the time I booked and canceled the reservation. I submitted the dispute to Bank of America, on XX/XX/XXXX The bank sent me a questioner to complete and return to them no later then XX/XX/2023. I complied with the request. The letter they sent to me said the merchant would have 60 days to respond. I NEVER heard back from bank of America. Today I looked at the balance of my Bank of America Credit card and XXXX was charged back to my card over 100 Days after I filled my response. Bank of America NEVER reached out to me and NEVER sent me a notice stating they were going to take away the temporary credit. Bank of America Does NOT protect it's consumers and is in cahoots with these 1 star and fraudulent companies.
Consumer complaint received 2024-10-29
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. (TX)

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 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: EQUIFAX, INC. (TX)

FCRA violations : inquires not mine XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXXXXXX XXXX  XXXX TX Date assigned XX/XX/XXXX XXXX XXXX  XXXX : XXXX View account details Account status Age of Account Late payments Closed 1 year 8 months 6 days 2 Other XXXX XXXX XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 2 years 1 month XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 5 years 1 month 6 days XXXX XXXX XXXX XXXX  XXXX View account details Account status Age of Account Late payments Closed 7 years 11 months 30 days XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 11 years 28 days XXXX - XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed 15 years 1 month 11 days XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 1 month 8 days XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed 3 years 7 months 17 days 5 FCRA violations XXXX payments never late XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 7 years 9 months 11 days XXXX XXXX  XXXX / XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 4 months 15 days XXXX XXXX XXXX XXXXXXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 1 month 6 days 4 FCRA violations : accounts not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, LA XXXX Dispute this Previous address XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, LA XXXX Dispute this
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: Experian Information Solutions Inc. (IL)

Previous complaint filed XXXX none of the three accounts that I have been sending several police reports and Ftc reports for two years were removed! This is a violation! I have sent police reports from two different jurisdictions XXXX XXXX  XXXX and XXXX XXXX as well as several more from XXXX XXXX. I have sent several FTC reports and affidavits for the following that you refuse to XXXX and remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have also sent letter of intent to sue and also letter from XXXX stating that they have verified that IT IS ID theft and you ignored it I will proceed with legal action for this violation and also seek emotional damages since you have ignored all my cries for help to resolve this matter. 

Previous complaint filed XXXX : I XXXX XXXX XXXX Experian authorization to proceed with this complaint. This is complaint # XXXX. I am a victim of identity theft and as a result there are some accounts appearing on my credit report that are identity theft, fraudulent and unauthorized. I have attempted to submit a Block Request to Experian as well as an Identity Theft report from FTC XXXX Federal Trade Commission ) with several police reports from two different jurisdictions since XX/XX/XXXX until now to no avail. My federal protected consumer rights are being violated by Experian refusing to follow the FCRA laws and failing to open proper investigation with no documentation attached I request again remove/block theft accounts ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. These accounts caused me to have anxiety become homeless, depressed, suicidal, and denied credit I am ready to move forward with litigation if accounts are not removed. I also asked for validation original contracts from Experian and creditors XX/XX/XXXX, XX/XX/XXXX and previous dates and did not receive it FCRA 15 U.S. Code 1692g and 1681 - Validation of debts states it must be removed if debt is not validated showing instruments it must be removed. Admission equals deletion these accounts was removed from XXXX and XXXX which means Experian has to comply. I reserve my right to sue you civilly in the court system, which will result in my seeking the maximum allowable penalty for each item
Consumer complaint received 2022-08-24
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. (PA)

I contacted the company regarding their violations of my consumer rights by furnishing information that is not allowed by law, in accordance with the FCRA. There are accounts listed on my consumer file for XXXX  XXXX XXXX XXXX that I have disputed with the company on more than one occasion, requesting physical verification and validation of this alleged debt. I still have not received any physical verification, just a letter stating it was verified, through no proof violating 15 USC 1692g and 15 USC 1681i. I, the consumer, never ever gave and consumer reporting agencies consent to report any information concerning my accounts. Without obtaining my consent, this is identity theft. The FCRA clearly outlines what should be excluded from a consumer report, pursuant to 15 USC 1681a ( d ), income shall never be included in a consumer 's personal file. A charged off debt is a source of income in which a 1099 should be received by the consumer, and this can not be added in the consumer file. In addition, in accordance with 15 USC 1681a ( 2 ) ( A ) ( i ), late payments are to be excluded from a consumer report. There are late payments showing on XXXX XXXX and XXXX XXXX XXXX, that the company refused to remove.
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: DriveTime (AZ)

My identity was stolen and multiple loan and credit card applications were filled out, these companies then ran a credit check witch went agianst me as inquiries on my credit report and I would like them removed. The companies are XXXX  XXXX banking from XX/XX/2022 - DT credit from XX/XX/2022 - XXXX  XXXX from XX/XX/2022. I contacted the companies and they confirmed the inquiries and informed me I had to file a report with the FTC as I am doing now.
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. (LA)

On XX/XX/XXXX I wrote a letter in accord with 605 - 15 U.S.C. 1681c ; 605 Requirements relating to information ( d ) Information Required to be Disclosed section ( s ) ( 2 ) Key factor in credit score information to inform you that various violations have been made against statute which explicitly stated below ( SEE BELOW ) which has been ignored, violated and has resulted in unlawful practice and deduction of points at minus XXXX XXXX over the course of 3 weeks for unclear, inconsistent reasoning, done without cause or justification of such practice being bias of officers and/or employees. 

Again, on XX/XX/XXXX I wrote letter in accord with 605 - 15 U.S.C. 1681c ; 605 Requirements relating to information ( d ) Information Required to be Disclosed section ( s ) ( 2 ) Key factor in credit score information to inform you that various violations have been made against statute which explicitly stated below ( SEE BELOW ) which has been ignored, violated and has resulted in unlawful practice and deduction of points at minus XXXX XXXXs over the course of 6 weeks for unclear, inconsistent reasoning, done without cause or justification of such practice being bias of officers and/or employees.

Statute 605 - 15 U.S.C. 1681c explicitly states the terms in which such deductions shall be made as well as the ethical manner in which such changes are to be reported on the specified consumer.
Consumer complaint received 2022-08-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I received a Home Modification due to XXXX on XXXX and to stop a foreclosure, of becoming nearly 3 months XXXX behind on mortgage of XXXX. At that time I was with Bank of America ( FHA/fixed rate ) and I had spoke with them Mortgage dept. and was told they can do a Modification to stop foreclosure, due to ( {$2100.00}. late ) The mortgage Representative, Bank of America said they will expedite XXXX  package of documents with tabs attached to just initial it and sign and date return same day and so I did. Once they had processed the Modification I received the documents of Partial Claim Deed of Trust dated XX/XX/XXXX Dept of Housing and Urban, Principal sum of ( {$20000.00} ) as being charged for modification as a second Lien, ( case # XXXX ) I had reached out to Bank of America mortgage department on many occasions asking why so a high rate of charges, explain to me, and I had left so many messages and never ever received a call back at all. I never received a breakdown as to the principal amount they charged. Within two months they transferred my Mortgage to 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. (CA)

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Post office box XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX AP XXXX XXXX, CA XXXX FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8500.00} Status Account charged off XXXX {$8500.00} written off. {$4500.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$5000.00} Status Account charged off. {$5000.00} written off. {$5000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$10000.00} Status Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$12000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$5800.00} Status Account charged off. {$5800.00} written off. {$5800.00} past due as of XX/XX/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: EQUIFAX, INC. (FL)

Personal information was not updated at all to reflect actual information I sent, and they did not remove one inquiry at all I did not give them VERBAL or WRITTEN PERMISSION to add these to my report according to law, all inquiries need to be removed immediately or will be forced to take matters to court with intent to sue for each violation up to a {$1000.00} per violation According to 15 U.S.C 1681 Section 604 A Section 2 : It 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. 

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

They are violating at least 6 different laws upfront correct this or will be charged for each violation. I do not give them permission please delete all inquiries and update personal information correctly. Company has failed in there investigation to do delete anything I have contacted them about this since XX/XX/2022 and they are not complying with the law still
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank erroneously reversed provisional credits of over {$1200.00} for charges I disputed against the merchant XXXX, resulting in my account becoming negative. TD Bank then rejected all of my attempted transactions, leaving me without basic necessities like toilet paper because TD Bank can not read, and reading is fundamental in order to resolve banking problems. 

TD Bank incorrectly asserted that I did not send them the requested information by the specified deadline in order to maintain my provisional credit, because I sent it via email to them by the deadline and see the attached proof. Before I emailed it, I went into their XXXX branch who could not fax the information to their claims dept because the fax was not working. I attempted to resolve this with TD Bank multiple times. I want TD Bank fined. I want my money back plus interest according to the usury rate. TD Bank has also locked my account and will not provide me with any information over the phone or over the internet because they insist that they must " send me a text message '' despite my informing them that I lost my phone weeks ago. They are complete XXXX. Following resolution of this matter, I want my account closed with TD Bank as I will never bank with them again because reading is fundamental folks.
Consumer complaint received 2022-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Keynote Consulting, Inc. (AZ)

In XX/XX/2020 I had a recorded XXXX interview with the XXXX  and XXXX company and was interested in joining their club. The agent I was on zoom told me it will be XXXX XXXX monthly and if I can invest that a week and i agreed and with that he asked me to sign a background check document and that I didnt need to fully read this 1 document its just to make sure Im not a XXXX. I did not sign anything regarding payment and documents I received had my copied electronic signature on 4 other pages when I knowingly only signed 1 and nothing else. My signature was electronically forged on other documents. I did not agree at all to paying {$1400.00} for the year and later he asked got off XXXX recording and asked for my card information and advised initiation was {$100.00} which I agreed to pay. I never attended any event and was charged multiple times of {$100.00} I had emailed the company that I had lost my job and the services needed to stop and that was in XXXX when Covid was arising. There is multiple scam complaints on XXXX  with this company.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NJ)

This has to do with my earlier case number XXXX with CFPB. First of all, let me congratulate you, CFPB, for playing the good catalyst or policeman or XXXX type role, thus making sure that my case was handled appropriately, correctly, with all the evidence and analysis i had provided, regarding the 20 fraudulent ATM cash withdrawals and associated fees, that had occurred in XXXX in XX/XX/2022 earlier this year. Citi Bank has refunded me the stolen money, but they missed one transaction, only 19 transactions were counted by them, although my appeal letter clearly pointed this out also. so, i am bringing this up, an inadvertent banking error, or typo type error, let us say, and i would like this to be addressed by them also. I am very much convinced that CFPB involvement here made sure that Citi Bank did the correct thing, chose the side of truth, light and fairness instead of untruth, darkness and XXXX. Thanks very much for your help. 
ps : PLEASE TELL YOUR FRIENDS PERSONAL REQUEST FOR HELP from XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, XXXX EMAIL IS XXXX MOBILE NUMBER IN USA IS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX OF USA,,,, XXXX XXXX XXXX 
THANKS VERY MUCH FOR YOUR HELP, SUPPORT, SPREAD THE WORD, GOOD VIBES, BLESSINGS ETC.,, PLEASE TELL YOUR FRIENDS.. 
REGARDS AND BEST WISHES. XXXX ... 
YES, OUR CHILDREN XXXX, WERE XXXX, YES
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX has taken these actions on my credit report after I filed for a complaint. They reported late payment on the disputed Charged off Closed account as vindictive act without responding as I have filed a complaint with FCRA and provided a copy of all mistakes they have reported on my credit report and according to the rules and laws their reporting has to be 100 % accurate the dates are not accurate the type of loan reported not accurate the The balance and the amounts are not accurate as they received from the Gap insurance their money and reported XXXX balance to XXXX took tax credit by their reporting fraudulently without claiming the money they received to continue receive Tax credit with Charged off now you want to claim late payment on Closed account? REALLY? I will sue you all for slandering my credit You are to remove and delete your slander immediately. 
There is a complaint filed with the XXXX  and this account has been disputed You reported that I have never disputed your fraude and your bullying is only good for a good court case! and this should go public so everyone else who you are bullying should know about your corruption! 
I have attached their late payment XXXX late payment on closed account that is false!!!! they you go another false statement. 100 % accuracy which you failed cause a liar can't tell truth! 

See attached evidence for false reporting which is grounds to for immediate deletion
Consumer complaint received 2022-08-24
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. (FL)

XXXX XXXX XXXX has taken these actions on my credit report after I filed for a complaint. They reported late payment on the disputed Charged off Closed account as vindictive act without responding as I have filed a complaint with FCRA and provided a copy of all mistakes they have reported on my credit report and according to the rules and laws their reporting has to be 100 % accurate the dates are not accurate the type of loan reported not accurate the The balance and the amounts are not accurate as they received from the Gap insurance their money and reported XXXX balance to XXXX took tax credit by their reporting fraudulently without claiming the money they received to continue receive Tax credit with Charged off now you want to claim late payment on Closed account? REALLY? I will sue you all for slandering my credit You are to remove and delete your slander immediately. 
There is a complaint filed with the XXXX and this account has been disputed You reported that I have never disputed your fraude and your bullying is only good for a good court case! and this should go public so everyone else who you are bullying should know about your corruption! 
I have attached their late payment XXXX late payment on closed account that is false!!!! they you go another false statement. 100 % accuracy which you failed cause a liar can't tell truth! 

See attached evidence for false reporting which is grounds to for immediate deletion