davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
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. (NC)

I am a victim of identity theft. TransUnion is fully aware of this, they have been notified by several federal agencies including the CFPB and still refuses to block and or delete the fraudulent accounts on my credit report. They claim they investigated, they have not provided any evidence of this scam investigation. They continued to violate the federal laws and my rights under federal laws. This intentional Defamation. Upon my investigation into Transunion, Transunion is generating revenue off the fraudulent information they are reporting on my credit report which gives them ZERO motivation to correct their errors. Im filing this complaint to verify that I have tried every legal way to resolve this issue with Transunion. We will be seeking {>= $1,000,000} Federal Defamation Lawsuit if this is not resolved in 5 business days.
Consumer complaint received 2022-03-22
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. (CT)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. 
Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I contacted the bank on XX/XX/XXXX soon after my husband reported an incident at one of their ATMs located at XXXX on XXXX XXXX in XXXXXXXX XXXX  My husband called them immediately after he deposited XXXX in the ATM slot and the machine shut down before completing the transaction. His card was also stuck in the ATM machine. I contacted them immediately to check that they had the incident on file. My husband is co-owner on the account. I told them that it is imperative that they release a temporary credit as we have bills to pay and being currently on XXXX leave leads to not have any paychecks as direct deposit coming in the account. I contacted them every day without any resolution. On XX/XX/XXXX I had bills that had to be paid which resulted in my account being overdrawn and the bank charged me an overdraft fee. I understand that they need to investigate the incident but I can not have XXXX dollars missing from my account for this long when bills have to be paid. It is a completely irresponsible practice to put customers through so much stress and XXXX  and not take responsibility for their mistake and lack of communication. I called them every day since this incident happened and explained that I need this resolved immediately but nothing has been done except being charged an overdrawn fee. I am so angry right now that I am considering legal recourse.
Consumer complaint received 2020-01-18
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: BMW Financial Services NA, LLC (TX)

see attach FTC violations XXXX XXXX XXXX funding credit XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  could not add all accounts on FTC maybe more to come
Consumer complaint received 2020-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I am unable to secure my account Iam not able to check often for unauthorized charges and report them timely as all other are encoraged to do to PROTECT their accounts USAA IS NO ACCESS for my XXXX I HAVE NO PROTECTION AND NO ACCESS XXXX NEED BANK ACCESS
Consumer complaint received 2019-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant Mercantile Agency (CA)

I am a victim of identity theft. I tried to solve this matter with the company in the past. Back on XX/XX/XXXX,  they received a demand for validation letter from me delivered via certified mail. As of today they have failed to provide me with the proof I have lawfully requested. This fraudulent account being reported to the credit bureaus is a violation under the FCRA. 

Account is the following : Grant Mercantile Agency Account # XXXX. Date Opened XX/XX/XXXX Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.
Consumer complaint received 2019-07-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is really simple. I had BofA over 10 years or so, and on the on-line banking system from many years ago, I was known as XXXX XXXX, I have changed my name and gender to XXXX XXXX XXXX and in fact I applied for and received a credit card via BofA under XXXX XXXX  : XXXX XXXX XXXX XXXX. 

So now, it would seem really simple to open up a checking account as well with BofA, but NO! 

First of all, they refuse to change my name, thus discrimination, the on line banking systems alwasy says welcome XXXX and there is no way to change it, thus my first discrimination complaint. I have provided you all my ID info, birth cert, social, California ID, so there is no issue, for BofA to continually discriminate against me. 

secondly, they refuse to open up a bank account to XXXX based upon the previous years of date, thus another count of discrimination not only federally but under California strict discrimination laws against XXXX community.
Consumer complaint received 2024-10-02
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Sunlight Financial LLC (TX)

I applied for my home refinance by XXXX XXXX and I find out that I owe Sunlight Financial XXXX  XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments. This loan was paid off in XXXX, also XXXX XXXX told me to provide a proof of payment to XXXX XXXX which also paid off in XXXX. I will like to find out who is playing game on me. I don't know if I need an act of congress to get a loan in this country.
Consumer complaint received 2022-08-31
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. (FL)

Please be advised this is my THIRD WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$2500.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}XXXX XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2019-07-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX took the car after receiving a payment that month - by coming onto private property without Police. They claimed that Pennsylvania does not required it. To date- they are reporting the vehicle debt as new and regularly report late payments when the car was taken in XX/XX/2017.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I received several capital one credit card promotional offers over email and mail ( one email every week and one mail every month probably ) indicating I was pre-approved for a capital one credit card with a {$300.00} promotional cash back bonus and 0 % introductory APR for 15 months. 

But when I signed up for a credit card, Capital one pulled my credit twice and they issued me a credit card without the sign on bonus and introductory APR. 

They told me that they had two Capital One - Quick Silver cards on their website. One with the promotion and another without the promotion and they were only able to approve me for the one without the promotion. I believe they intentionally are misleading and confusing so that they do not provide any promotion
Consumer complaint received 2020-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I have been using my USAA Visa ( was MasterCard ) for 30+ years with a very good credit rating. Have ALWAYS paid my monthly payments above and beyond what the minimum is. My maximum balance of XXXX was reduced to XXXX via a letter ( XX/XX/XXXX ) in the mail..no warning. The reasons stated why were totally invalid ( one being that my credit score was XXXX, which is still good, and too many inquiries ) I called a rep XX/XX/XXXX to place a complaint as to the real reason why my limit was reduced. I was suppose to get a call back from the escalations Mgr which didnt happen. In the meantime my card got declined 2.5 weeks later because I went over the {$3100.00} limit. I do have 3 other credit cards but this is the only one that I use for purchases. In fact, I have at least 4 automatic withdraws on this card every month to pay bills. After calling back ( XX/XX/XXXX ) and talking to the escalations Mgr, it was more of the same.. '' it's because of the reasons outlined in the letter ''. He finally agreed with me that it was unfair and would have someone else call me within 2 business days. Someone did call me on my home phone ( which is not the phone # I left for them to call me on ) on XX/XX/XXXX at XXXX XXXX CST only to be hung up on when I answered.There is absolutely no reason why this should have happened ( limit being drastically reduced ) and certainly in the way it happened ( ignorance and indifference ). The only thing that has changed for me in the past 7 months is that I retired So, it must be because I am unemployed ... but that doesn't mean that I don't have money in the bank! I understand as a retiree it is harder to get credit. For this reason and the fact that I have used this card as my primary credit card forever I want my balance limit to be at least 10K. And ... I want to know the reason why this happened to me. It very aggravating for this to happen to me after all these years of being an excellent customer.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC (TX)

To who it may concern, I am writing to dispute the validity of the alleged debt associated with the above referenced account. Under the Provisions of the federal Fair Debt Collection Practices Act, and the Fair Credit Reporting Act, I hereby exercise my rights to request that all communication pertaining to this dept be ceased and desisted immediately. 

It has come to my attention that you have been attempting to collect this dept from me, and per my rights granted by consumer protection laws, I am demanding that all communication cease with me, my family member, friends or my employer concerning this or any other purported debts you claim I owe. 

According to the FDCPA and FCRA, I have the right to dispute the alleged debt and to request verification of the debt from your agency. I am requesting that you provide me with written documentation, validating the legitimacy of this debt, including amount owed, the original creditor 's name, and any relevant account information. Until Proper validation is provided, I dispute the debt in its entirety. 

Moreover, it is essential to bring to your attention the requirements outlined in the Metro 2 Reporting Guidelines, which are mandated by the FRCA. Any information you furnish to credit reporting agencies must be accurate, complete, and updated. If you have reported this debt to any credit bureaus, I demand you correct any inaccurate information immediately. 

Please be advised that I am fully aware of my rights under the law and will not hesitate to pursue civil and criminal remedies to ensure my rights are protected.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc. (TX)

I received a call from a company called UCB Collection and they were trying to intimidate me and I do not know who they are. I told the rep to place a cease and desist for all calls and only communicate in writing only. I do not have any business with them at all.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2019-01-13
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: WELLS FARGO & COMPANY (GA)

Our Wells Fargo Visa card was charged on a card number that had been closed. We closed this card because we began to question the integrity of our contractor. Visa authorized the charge on the card that we had closed.

We hired a contractor ( XXXX XXXX XXXX - XXXX, GA ) to paint the exterior of our home. We paid a deposit of {$2100.00} ( on our WellsFargo credit card ) on XX/XX/2018. The contractor ( XXXX XXXX XXXX - XXXX, GA ) did not finish two portions of the job.

Number one he debated that they provided this service, even though it is detailed in his proposal. Number two, the contractor admitted that this was never completed and he agreed that it would be taken off of the final balance.

1. Perform complete and extensive surface preparation including sanding of all peeling paint and re-glazing of all windows where glazing is loose and/or missing. ( Part of the Painting portion of {$3600.00} ) 2. WOOD REPLACEMENT = {$570.00} Replace ( 2 ) 2x10 on garage. Replace ( 2 ) 1x4 on front garage. Replace 27 feet of lx8 and drip cap on right side. Replace 1 sill nosing with PVC on front right lower window Replace 16 feet of fascia on right side On XX/XX/2018, the contractor ( XXXX XXXX XXXX - XXXX, GA ) charged another {$2100.00}. The job was not finished and not signed off on. Plus, he charged us the full balance when items one and two were not compete. The total job was XXXX less the deposit of {$2100.00}, less {$570.00} ( wood replacement - which was not done ), the total should have been {$1400.00}, when the glazing was complete. So, complaint is two fold. First, the contractor ( XXXX XXXX XXXX - XXXX, GA ) charged the card without authorization and without completing the project. Second, he overcharged the balance by {$700.00}.
Consumer complaint received 2020-01-18
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. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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  : {$0.00} XXXX XXXX XXXX XXXX : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX LEASE END XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5000.00}
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XX/XX/2022 ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$1000.00}
Consumer complaint received 2023-10-04
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: Experian Information Solutions Inc. (NY)

On my experian credit report theirs a negative item called XXXX XXXX has a balance of XXXX it supposed to be removed from my credit report I filed a federal trade commission identity theft report on file its a fraud account my social security number is XXXX and the three hard inquiries are fraud too
Consumer complaint received 2024-10-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (OH)

This is for the card I have through my XXXX account, managed by BNY Mellon. A hacker got into my XXXX XXXX and XXXX accounts and took {$2000.00} in XXXX separate {$500.00} transactions on XX/XX/XXXX. I called XXXX the second I saw that it was happening, and I was on hold for several minutes -- and the fraud was continuing. They were able to stop one of the transactions ( not the 4 listed above ). So, I filed a formal complaint about the other 4. I received a letter from XXXX, XXXX, extension XXXX. I have left no less than 10 voicemails to that number and called to speak to a supervisor, and they refuse to transfer my call because the fraud department " doesn't have a phone number. '' I received no documentation about the investigation -- no one talked to me to get my side of the story, and no one will talk to me about the situation.