davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was late on my Bank of America Visa credit card payment by 1 week. This was a rare occurrence, as I almost always make by payments by the due date. We had taken a vacation and the payment slipped my mind. I made the payment online as soon as I realized that it was late. Normally, I send a check, but because it was late I wanted to expedite the payment by paying it online. Unfortunately, Bank of America put a hold on my credit card and would not let any charges go through until the payment was posted, which can take 1 - 3 days. I starting receiving notices that charges on the card were being rejected and I could not make any purchases on the card. I can not remember the last time that I was late on a payment, but I do remember that the last time I just received a late fee and needed to pay the interest on the unpaid balance the next month, which would be expected. I never expected that Bank of America would stop all charges from going through. This was a great inconvenience for us. This is not a customer friendly way to handle this. I could maybe understand if I had a record of making late payments, or if it was over a month late, but not a week. I not only normally pay onetime, but I usually pay off my balances each month. I spoke with a customer service rep on the phone on XX/XX/23 and online and no one was able to take the hold off the card eventhough the payment was in process.
Consumer complaint received 2023-08-11
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. (FL)

When I reviewed my credit report. I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. DPT ED/XXXX XXXXXXXX
Consumer complaint received 2023-07-29
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-30
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Item : XXXX XXXX  XXXX, Account # XXXX XXXX  XXXX, Account # XXXX Opened on XXXX XXXX and XXXX  XXXX, Account # XXXX opened on XX/XX/XXXX XXXX XXXX, account # XXXX opened on XX/XX/XXXX XXXX XXXX  account # XXXX Opened XX/XX/XXXX XXXX XXXX, Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604A Section 2 : it also states a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of cries which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-07-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the following information that appears on my [ XXXX or Experian or XXXX ] XXXX XXXX XXXXXXXX XXXX Summary XXXX XXXX XXXX ( CLOSED ) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number XXXX XXXX Reported Balance {$850.00} Account Status COLLECTION Available Credit Account History The tables below show up to 3 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Available Credit Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Scheduled Payment Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o My report include
Consumer complaint received 2023-08-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (GA)

I bought my car in GXXXX around XX/XX/XXXXXXXX XXXX  new from XXXX XXXX in XXXX. I moved to XXXXXXXX XXXX in XX/XX/XXXXXXXX switched over my car details to XXXX  around that time also. Moved back to XXXX and switched over my car details back to XXXX in XX/XX/XXXXXXXXXXXX XXXXXXXX  I received a letter from the XXXX Dept of Revenue saying the miles on the XXXX XXXX title were incorrect and I needed to submit certified title history paperwork. Since I now lived back in the home state of the car 's original loan origination, instead of going back in forth with the states DMV when XXXX  submitted the title to XXXX  originally, and then XXXX just submitted it back to XXXX when I moved, I decided to pay off my car loan end of XX/XX/XXXX ( wk oXXXX XXXX  ). Final balance was {$2700.00}. I received a notification that it was reported to the credit bureaus that I paid it off. Truist wiped all loan information off my online banking, so I could not even look for past statements or payments. I still have a credit card with Truist, so I still have an active online banking account profile with them. I called on XX/XX/XXXX, spoke to a XXXX about getting a notice of lean release so I could get my title, as 3 months had passed since I paid off the loan with no correspondence directly from them. She gathered the information needed, as well as validated my info and said that I would receive a notarized letter to bring to the DMV within XXXX business days. I have not received the correspondence requested to date ( ~7 weeks since request ), as well as not any other type of communication from them in regards to my ( now ) 5 month paid off car loan. XXXX is when I need to register my car and I need to ensure that this will not disrupt that process as it will affect the use of my vehicle. I need this documentation as soon as possible so I can start the process of getting my title and moving on with my life, and hopefully the relationship with Truist. The reviews online over this lien release process is appalling and scary. It sounds like I am one of many that have to deal with this. They have their money, I am not sure why my paperwork for what I now legally own is being held hostage.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

US depart of EdXXXX {$9000.00} US depart of EdXXXX {$9600.00} US depart of EdXXXX {$1100.00} State of Michigan office {$18000.00}. 
XXXX {$480.00} In accordance with the Fair Credit Reporting act. The list of accounts above has violated my federally protected consumer 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 that a consumer reporting agency can not furnish an 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 adverse item of information, other than records of convictions of crimes.

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 causes to believe that the information is inaccurate.

Ive called more than 6 times and asked for the original signed contract and I never received it. It seems these credit report agencies are above the law, and nobody will do anything about it.
Consumer complaint received 2023-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

My Venmo account was randomly frozen ( I still dont know whyno one will tell me ). In the years Ive used Venmo, Ive never had an issue, no payments returned, my credit card is in good standing, etc, nothing out of order. 

My last transaction was when my neighbor reimbursed me the {$200.00} I paid for our blocks bulk order of garden mulch, which comes together in one truckload, thereby avoiding a delivery fee. Suddenly my account was frozen for suspicious activity with no explanation??? Is there a problem with mulch? I even offered to send a copy of the receipt for the mulch. 

Spent hours on useless calls to reach VENMO support, always on hold, then disconnected. When I finally got through after holdin for 45 mins, they said they couldnt help me, some other team would email me. After approx 10 days, I received a highly suspicious email telling me to send a selfie photo holding my state issue ID, to a strange link in the email to unfreeze my acct?? What the heck?!?

Every GOVT Fraud Alert site says to beware of these types of scam attempts such as asking for a selfie with an ID. This is a flag for fraud & they advise NEVER to send a selfie to verify anything. Banks do NOT request selfies to verify an account, plus my bank & credit card already verified my identity. 

So, I choose to be safe & follow the XXXX, CFPB & FTC advice but my Venmo acct remains frozen & Ive given up waiting for help. If internet companies want to act like banks, they should be subject to the same rules as banks so Im writing to you.

One thing we older folks have time to do, is write a complaint when something is suspicious or will lead to more fraud. 

Please and thank you in advance, for your prompt response to this email.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried contacting Transunion, XXXX, and XXXX about a closed account that was settled by me and the creditor. I paid it in full and it is still showing up on my credit report and is negatively impacting my credit score. The account in question is with XXXX XXXX XXXX XXXX. It was a secured card that had a balance of {$29.00} and was paid in full on XX/XX/23. Being that I have paid this account in full and have settled it I am asking that it be removed from my report because it is adversely effecting my credit report.
Consumer complaint received 2023-08-11
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. (NC)

privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (AZ)

I opened a savings account with Citi Bank. I transferred {$10000.00} into the account from my XXXX checking account. The deposit was made immediately and a few days later the funds were available for use by Citi Bank. I attempted to transfer online {$5000.00} back into the XXXX account where the money originally came from and the system would not let me and told me to call Citibank. I called Citibank and was told I would need my ATM card and PIN number to transfer money. The ATM card is in the email and had not arrived yet. 

I then went back into the online system and tried to transfer {$1000.00} back into the same XXXX savings account where the money came from and the system allowed me to. So I made four more {$1000.00} dollar transfers, for a total of {$5000.00} in online transfers, all back into the same XXXX account the money came from. 

On XX/XX/2023, Citi Bank closed my savings account for fraud. I called them, spoke with a supervisor and was told there was nothing they could do for me. Told me they would mail my balance to the address on record in 60 days. I asked to speak with higher level supervisor and was told goodbye and they hung up. 

This entire thing is ridiculous. Close the account, fine but to hold my money XXXX is beyond the pale.
Consumer complaint received 2023-07-30
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. (NY)

I enrolled my XXXX XXXX  credit card account in a debt consolidation program with a credit counseling agency, XXXX, to manage my outstanding debt. This was a mutual agreement between XXXX and XXXX. 

Through this program, XXXX began making regular payments to XXXX to reduce my debt. Despite these regular payments, XXXX continued to report delinquencies on my account to Experian. This has led to significant errors on my credit report, negatively impacting my credit score. 

I have attempted to resolve this issue directly with XXXX on several occasions since noticing the discrepancies. I have spoken with customer service representatives and sent written communication, to no avail. The alleged delinquencies are still being reported despite my account 's enrollment in the debt consolidation program. 

The agreement with XXXX  was made under the understanding that the regular payments would be recognized as satisfying my debt obligations and thus no delinquencies would be reported. The continued reporting of failures by XXXX contradicts this understanding and the nature of the debt consolidation program. 

I am seeking immediate rectification of this situation, including ceasing reporting delinquencies on my account and removing these inaccuracies from my Experian credit report.
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (AZ)

I received a garnishment notification today XX/XX/XXXX from my employer for a XXXX credit management amount of {$XXXX}. I called the general XXXX number and then a direct line to legal. The woman stated this was for a XXXX XXXX card called XXXX  opened in XX/XX/XXXX that went delinquent in XXXX. I have never had a XXXX XXXX card. I have dealt with fraud in the past and I'm not sure if this is a result of that. I paid the balance to remove the garnishment but I absolutely need someone to look into who opened this, at what store, and what exactly happened. I honestly didn't think this was a real claim.
Consumer complaint received 2023-06-07
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. (GA)

I have been an victim of identity theft. I have filled a FTC report and and documentation of this to the 3 credit bureaus.

the credit bureaus are reporting accounts on my report that do not belong to me and also are showing inquiries that i did not authorize.

In addition the credit bureaus are reporting inaccurate information that do not match across all 3 bureaus. including the date the account was opened, the total amounts of the accounts, the last date the accounts were active. all of this information has been outlines and shown to the credit bureaus.

the FCRA clearly states the all accurate information must be posted on the reporting from 3 bureaus.

not only are these accounts fraudulent and do not belong to me but they are also inaccurate and display conflicting information as it pertains to dates, and amounts.

I have not been given any proof of my signature to authorize any of these accounts and i have not been provided information as to how these accounts have been verified the responses from the credit bureau are generic and automated. 

the accounts in question are : XXXX XXXX and XXXX XXXX fraudulent inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The initial date i sent a letter requesting this information and provided my FTC documents about my identity theft situation was XXXX, a follow up was sent on XXXX and again on XXXX
Consumer complaint received 2023-07-30
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. (NY)

I enrolled my XXXX XXXX  credit card account in a debt consolidation program with a credit counseling agency, XXXX, to manage my outstanding debt. This was a mutual agreement between XXXX and XXXX. 

Through this program, XXXX began making regular payments to XXXX to reduce my debt. Despite these regular payments, XXXX continued to report delinquencies on my account to XXXX. This has led to significant errors on my credit report, negatively impacting my credit score. 

I have attempted to resolve this issue directly with XXXX on several occasions since noticing the discrepancies. I have spoken with customer service representatives and sent written communication, to no avail. The alleged delinquencies are still being reported despite my account 's enrollment in the debt consolidation program. 

The agreement with XXXX  was made under the understanding that the regular payments would be recognized as satisfying my debt obligations and thus no delinquencies would be reported. The continued reporting of failures by XXXX contradicts this understanding and the nature of the debt consolidation program. 

I am seeking immediate rectification of this situation, including ceasing reporting delinquencies on my account and removing these inaccuracies from my XXXX credit report.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-07-30
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: JPMORGAN CHASE & CO. (NC)

Letter sent to the Chase Bank Fraud dept. on XX/XX/XXXX : This is the second time my Chase credit card has been fraudulently used in the amount of {$5000.00}, card # XXXX XXXX XXXX XXXX. I called the Chase Card Compliance dept. on XX/XX/XXXX to close my credit card permanently. I don't think my Chase Credit Card was closed permanently on XX/XX/XXXX. I now know my card was closed permanently on XX/XX/XXXX. How did this happen when I was trying to be proactive and close my account on XX/XX/XXXX? 

I had a fraudulent charge on XX/XX/XXXX in the amount of {$5000.00} with a previous card. I subsequently closed the credit card due to fraudulent usage. This was a fraudulent transaction based on the following from the XXXX  Financial Conduct Authority ( FCA ).

The XXXX  Financial Conduct Authority ( FCA ) has issued a warning against XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX XXXX Subsequently, consumer protection sites ( see XXXX ) and regulators in XXXX and other countries have also warned against the scam. The warning has disappeared from the FCA website, but many other websites on the Internet still reference it. 

We assume that XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ) lawyers have intervened with the FCA. Fund Recovery is just not a business that requires a license. It is also, unfortunately, unregulated.

In the view of the somehow damaged XXXX XXXX brand, it makes sense to work through the partner XXXX XXXX
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (MD)

I am the executor of my fathers estate I called Fifth Third bank and explained I am out of state and I can not go in person to close my dads account The bank provided no method of closing a deceased persons account besides going to the branch which I can not do