davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am writing this letter to file a complaint against Bank of America. 

We cancelled/closed our business credit card at the end of XXXX. A year and 8 months later we received bill from Bank of America for charges on the credit card for {$31.00} for charges for XX/XX/XXXX. We got the bill in XX/XX/XXXX and called in to Bank of America right away.

We called and said how is this possible to be charged over a year and half later after we closed account. We had a XXXX balance when we closed the account. They said " Well, we allow automatic charges to still go through on credit cards even if they are cancelled/close. '' I said that doesn't even make sense. I would understand if that was a month or two after the account was closed, but over a year and half. We disputed the charges as we consider them fraud and they were not authorized and we were told that they would close the account, provide credit, and consider the matter resolved.

Today we received another for the {$31.00} + {$19.00} late fee. I called and told them I consider this to be a scheme from Bank of America to overcharge their customers for fee 's. There is absolutely no reason why BoA should be allowing charges on a closed credit card account almost. When a card is reported stolen it stops all payments, but cancelling a credit card does not. I was told I had to wait 30 to 60 days for a response because there department was backed up.

I was charged late fees while the claim was being reviewed. This should have been an open and shut case. BoA should have closed the account when we closed it, no further charges should have been allowed.

Please help stop this schema from Bank of America.
Consumer complaint received 2019-02-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Knight Adjustment Bureau (UT)

So on all my credit reports knights adjustment breu is trying to collect a debt that was cleared from insurance through XXXX XXXX XXXX XXXX and has taken fund from me with notification to me and destroyed my credit and have several things that I have never seen before and don't owe this I believe my parents used ssn with out my knowledge and is effecting my life dramatically and I don't know what to do
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

You are reporting Inaccurate, information in consumer reports concerning me that you have compiled and published to third parties. The following tradeline item is Inaccurate because the following accounts report inaccurate information.

Account Name : XXXX XXXX Account Number : XXXX Please Delete this Account! 



Account Name : XXXX XXXX XXXX / XXXX Account Number : XXXX Please Delete this Account! 



Account Name : XXXX XXXX - XXXX Account Number : XXXX Please Delete this Account!
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-10-15
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. (MD)

On XX/XX/2018 TransUnion responded to a complaint I filed over 30 days ago that involved XXXX XXXX XXXX XXXX In result of feedback provided to CFPB on XX/XX/2018 my credit score decreased from XXXX reported on XX/XX/2018 to XXXX. 

All open accounts have been in good standing over the last 90 days. TransUnion is aware I've applied for a mortgage.
Consumer complaint received 2019-02-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (GA)

ON XX/XX/XXXX DIVERSIFIED CONSULTANTS OPEN A COLLECTION ACCOUNT ON MY CREDIT REPORT. ALSO THIS ACCOUNT WAS ALREADY REPORTED BY ANOTHER CREDIT REPORTING AGENCY XXXX BACK IN XX/XX/XXXX. THEREFORE IS VIOLATING MY RIGHTS AS A CONSUMER IF ACCOUNT IS SOLD TO THE DISVERSIFIED CONSULTING AGENCY WHICH HAS AGREED ON XX/XX/XXXX TO REMOVE THE ERROR OF REPORTING TO MY ACCOUNT. I WANT COMPLETE RESOULUTION TO THIS MATTER AND HAVE THIS UNFAIR REPORTING VIOLATING MY RIGHTS AS A CONSUMER OFF OF ALL OF THE CREDIT REPORTING AGENCIES XXXX, XXXX AND XXXX. PER XXXX XXXX THIS IS SUPPOSE TO BE RESOLVED BY XX/XX/XXXX. PLEASE ADVISE.
Consumer complaint received 2019-02-10
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. (MO)

Months ago I disputed the following accounts in Hope 's that the credit agencies would of did the right thing by deleting them. However this will be my 2nd attempt to obtain the Method Of Verification for the following accounts if not please block the accounts from my credit report as stated within the laws of the FCRA. The 2 accounts are ( 1 ) XXXX XXXX XXXX, ( 2 ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Northeast Recovery Solutions, LLC (CA)

Spoke with this company at the beginning of year. Threatened to sue me if I did not pay. I made payment arrangements with them on the phone and asked for a letter stating the debt was valid. Did not receive letter. Instead an email saying how much they would pull out of my account every month {$210.00}. Over the course of several months they changed names of company pulling money out of my account. Each time I informed them that I had not received my letter and wished for them to send it to me. Each time they said ok, and I never received it. In XXXX I finally decided to stop paying until they sent me a letter. Now they are calling again, and being rude and still refusing to send me a letter of validation. I do not want to be paying to a debt collector that may be fraud. Especially when I have asked several times for proof, and have shown good faith by paying them for several months with no proof.
Consumer complaint received 2019-02-10
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. (AL)

I reviewed my credit report recently and notice some items that i did not authorize. I did not authorize these items and I need these items removed from my credit report. This is totally unacceptable. N/A ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA 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 , GA EMER XXXX XXXXXXXX XXXX XXXX, XXXX. I'm doing this on my own behalf. I contacted the Ftc and my local police.
Consumer complaint received 2019-02-10
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)

XXXX XXXX prepaid and XXXX XXXX XXXX are reporting twice and sometimes three times a month, lowering my credit score purposely. The XXXX of the month is when my prepaid is due and reported. The XXXX of the month is when the XXXX is due and reported. 

Since XX/XX/2018 the reporting has been repeatedly during a 30 day period when its only to be once a month. 

TransUnion is working with XXXX XXXX and XXXX lowering my score by over 103 points in less than 6 months. Only raising it by 1 or 2 points and I pay my bills on time, pay off my debts early and keep all debts paid on time, yet my score is now, again XXXX from XXXX.
Consumer complaint received 2019-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am upset that the new account opened for a construction loan by XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX caused my credit score to drop 22 points. This is a principal interest loan. This loan will be closed out once the construction process is complete. Therefore I feel it is unfair to deduct points for a temporary loan. As well my credit score has already been dropped around 20 points when I was preapproved by XXXX XXXX  for a home loan. XXXX XXXX   to my knowledge used this information to approve me for a specific amount for a construction loan. There is no way for my credit to gain 40 points in the short amount of time before it is checked again my the mortgage company I decide to use for the end loan. This will cause me to pay a higher interest rate on the mortgage loan. Any help in this matter would be greatly appreciated. I might ad that this company has been very helpful in getting me a loan and this is in no way a complaint against them/ XXXX XXXX  XXXX  or XXXX   XXXX. The purpose of this complaint is to try to get some clarification on why this new account has dropped my credit score so much.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$1100.00} XXXX  XXXX Balance : {$1700.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} SXXXX XXXX Balance : {$1800.00} XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX  Balance : {$430.00} XXXX  XXXX  XXXX Balance : {$5800.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX  Balance : {$1100.00} 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
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL (CA)

All credit cards or loans I have applied for have been denied due to fraud I used to live in XXXX and I moved to XXXX  in XXXX so they have denied me because they thought I still lived in XXXX. And I recently got a state Id.
Consumer complaint received 2019-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (MD)

Calvery Portfolio has reported inaccurate information to the credit bureaus, the original debt occurred in XXXX, Calvery Portfolio purchased ( {$610.00} ) it from original creditor ( XXXX ) and said that the account was opened in XX/XX/XXXX which is an out right lie! I contacted Calvary portfolio in XX/XX/XXXX and was told that they had verification of the original debt that was supposed to be mailed to me, they never mailed documentation and they continue to report inaccurate information to credit bureaus, they have a recorded conversation from a past phone call. Thanks
Consumer complaint received 2019-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (GA)

I have applied for the Citi Thank You Premier credit card which had a promotional offer for XXXX points when you spend {$4000.00} dollars in 3 months. I was accepted for this promotion while applying back in XXXX of 2017. 

I had to call citi to be reconsidered for this card and was accepted. They told me that the promotion would apply after completing the benefits while I was on the phone with the customer service representative. 

Many months later after completing the requirements, they told me that the promotion wasn't on the account. I called again and then the customer representative said that I was eligible because I've had this card before. This was the first time I ever heard of this after applying and talking to multiple people on the phone from citi.
Consumer complaint received 2019-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

Applied a American Express Gold Card on XX/XX/XXXX, the page shows if I spend over {$2000.00} during 3 months, I will attain XXXX XXXX points. But I finish all requirement on XX/XX/XXXX and ask Amex why I didn't receive the bonus. It said that i can not receive that even i did not receive any notice that i can not receive that. After Amex internal report unitl today XX/XX/XXXX, i still can not receive the bonus with reason misuse history of incentive. It's unreasonable since no that notice before i apply the card.
Consumer complaint received 2019-02-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Financial Recovery Services, Inc. (MA)

The original debt was charged off in XXXX, and is not even on any of my credit reports. How can a charged off debt over 10 years old be purchased? It was not purchased and this collection post is a complete fraud perpetuated against XXXX, and an abuse of my rights under FCRA and FDCPA. The attached post on my credit bureau claims that a debt was purchased by a third party. At no time from my initial dispute was a debt validated. Under Federal Trade Commission guidelines, a debt must be proved, showing actual hard copy transfer. That does not mean a letter of transfer, but an actual transfer with signature backup. The debt purchase industry is the largest scam ongoing against the American consumer. Both the collection agency/debt purchaser are in violation of their subscriber agreement with every credit reporting agency. At no time was the debt validated, and the initial timeline from the original creditor has been cut off, and thus the debt is illegally being re-aged to benefit both the original creditor and the illegal debt collection process. Both the original trade line must be removed along with the invalid collection process. This problem will continue to exist since the XXXX XXXX XXXX XXXX XXXX Supreme Court decision of XX/XX/XXXX, whereas the third party purchase voids the individuals rights under the Fair Debt Collection Practices Act. Since there is no proof of true hard copy transfer and ownership, the collection is VOID and the collection process must cease and my file for both accounts must purge. These items must be deleted permanently and my files need to be purged. My information was obtained through a debt pooling process that should be terminated by the Federal Trade Commission. XXXX XXXX has committed a fraudulent act by even posting my antiquated information and there should be sanctions taken against this company. Now XXXX XXXX is extending the fraudulent activity to a fourth party collection service called Financial Recovery Services Inc. There is absolutely no connection to a valid debt, and my name must be deleted immediately from all corresponding files.
Consumer complaint received 2024-08-27
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. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX - XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX has violated my rights. 
I looked at my XXXX credit report on XX/XX/year>2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2023-03-05
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. (TX)

I am tired of XXXX XXXX beating me down ; this has caused me XXXX XXXXXXXX as I'm trying to progress in life- but can't seem to do so because of fraudulent identity theft. I have been disputing with XXXX since XXXX of XXXX, it is now XX/XX/XXXX and my identify theft concerns have still not been addressed/deleted. I have disputed and received paperwork back from XXXX XXXX claiming that an auto vehicle belongs to me. Paper work documents sent to me from XXXX XXXX was not mine and UTTERLY INVALID. I am a victim of identity theft and have items in my name including XXXX XXXX DEALER CHARGE OFF and DEPT ED XXXX that are fraud. I only have one auto vehicle through XXXX XXXX XXXX. I have sent over my police report, my FTC report, utility bill, my personal statement, full SSN card with all corners reflecting, Photo ID & etc. I am a victim of identify theft and XXXX XXXX keeps choosing to look the other way and not help me. I was told by an EXPERIAN Fraud XXXX that I should take XXXX XXXX to XXXX. I do not have the money, time, or energy for that to take place. I have 2 XXXX  parents both with XXXX that I can't even afford to put into home health care. XXXX XXXX opened my dispute again XX/XX/XXXX and closed it right back up XXXX XXXX. A proper investigation in a sense has not been conducted. My documents have all been ignored and they want me to keep sending the same files via postal mail which cost me about {$35.00} for mailing charges to expidaite. I have spent over {$300.00} in the past year of mailing to them disputes. I am tired of going through this process and XXXX XXXX wants to keep playing games with victims of identify theft. It should not take me 437+ days to get identify theft removed from my report. There are several factors including XXXX DEALER CHARGE OFF and DEPT ED /XXXX  that still shows on my report. I hope this will be my last and final dispute to CFPB. XXXXXXXX XXXX XXXX is holding me back from living life, liberty and pursuit of happiness.
Consumer complaint received 2018-10-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MNE Services, Inc (TX)

I paid off one loan from them in XXXX for a total of {$950.00} on a {$350.00} loan. At the time, a Mr. XXXX XXXX told me the loan was paid in full. Last week he contacted me again saying I have another loan over due, also for a settlement of {$1000.00}, on a loan of {$350.00}. I believe that is too much money. I can not pay any where near that amount. I have emails from this company if needed. I don't know how to send emails to you from them.
Consumer complaint received 2024-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2024-08-27
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. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX, MD, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX
Consumer complaint received 2018-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One Bank sold my account to XXXX XXXX XXXX, which refused to provided documents to provide accounting details on these accounts. 
XXXX XXXX XXXX has reported these accounts to my credit report and is causing great financial losses. 

It has been beyond the 30 days required by state and federal law that requires both companies, Capital One or XXXX XXXX XXXX have been able to provide document on how they have calculated the amount owe or what amount they sold my accounts for.
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Waypoint Resource Group, LLC (AL)

My wife saw this account re-added to her credit report and I looked and it is on mine too!! I have no knowledge of this account or what I would even have XXXX for ... I also filed bankruptcy for removal of all debts so I know I have not had this account. 

You have helped me in the past and hate I have to ask you again.