davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-20
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have been involved in a timeshare/vacation club scam in XXXX XXXX XXXX. A transaction was made with my Bank of America Visa credit card. 

I called Bank of America the day after the transaction suspecting fraud and asked them to stop payment on the charge. I was told the payment was in progress and there was nothing they could do until the transaction posted. 

After the transaction posted I contacted the Fraud Department and wished to file a claim. I was told by BOA they only consider a transaction fraud if someone else uses your credit card. BOA told me the only claim they could file is a billing dispute if I signed a contract. 

After investigating myself, it was an obvious scam with multiple threads on the internet involving XXXX XXXX, The Residency Collection, and Platinum Marketing. 

I sent a detailed letter with documentation disputing on the basis of fraudulent representation and failure to meet terms and conditions of the contract. The claim was denied. 

I contacted BOA again and had to walk them through the contract where the terms were not met, and this was a supervisor. BOA is holding fast that they can not collect from XXXX based on fraud, only a billing dispute, and the dispute has to be worded accordingly. The supervisor agreed to file another dispute focusing on failure to meet terms and conditions. The second dispute is in progress. 

This is absurd. I have fraud protection services with them. If they see suspicious activity, they will contact me and ask if I made the transaction. If I say no, they will stop payment. When I said I did sign a contract, but it was highly suspect of being fraud, they would not stop payment. 

XXXX and BOA should better protect their consumers/customers. BOA will get 12.99 % interest on the charge if they deny the claim. XXXX get a cut with every swipe of a credit card. I have all details I can forward or attach as PDF files. CREDIT CARD HAS BEEN CANCELLED TO PREVENT POSSIBILITY OF FURTHER FRAUD. Please contact me with any questions or guidance in this matter. 

Respectfully submitted, hopeful citizen.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Closed my Business account with BOFA. Business name XXXX XXXX XXXX XXXX XXXX, XXXX. address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Provided my mailing address : All correspondence should be mailed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX I requested for XXXX to review the Notations that were entered in my XXXX Bank account from a XXXX BOFA Bank XXXX in XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX. XXXX tel : XXXX BOFA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX tel : XXXX Branches regarding my check. The check is {$190.00}
Consumer complaint received 2024-10-10
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. (MD)

On XX/XX/year>, I submitted an inquiry to the Consumer Financial Protection Bureau ( CFPB ) regarding discrepancies on my XXXX XXXX XXXX account ending in XXXX. This inquiry was prompted by inaccuracies I observed on my credit report, which negatively impacted my credit standing. 

On XX/XX/year>, I received a response from XXXX stating that they had previously addressed a similar inquiry ( Case # XXXX ) and that any discrepancies with my credit report should be directed to the credit reporting agencies. XXXX also declined my request for compensation. 

I believe XXXX has not fulfilled its legal obligation to ensure accurate reporting and correct any errors in a timely manner. Given the potential violation of my rights as a consumer, I am seeking a thorough investigation into the discrepancies reported and a resolution to this matter.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XXXX My correct Social Security number:XXXX My correct address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My employer is : XXXX XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Consumer complaint received 2024-10-10
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. (OH)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-10-10
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. (FL)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
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)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-10
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. (FL)

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX  XXXX Dear CFPB, I am writing to formally file a complaint against XXXX  XXXX for XXXX XXXX a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the XXXX pandemic, I applied for and was approved for a financial relief program provided by XXXX  XXXX XXXX Under the XXXX XXXX, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by [ XXXX XXXX ] about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under XXXX. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number:XXXX  My correct address isXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX My employer is : XXXX XXXX  Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Consumer complaint received 2024-10-10
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. (FL)

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXXXXXX for XXXX XXXX a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXXXXXX XXXX Under the XXXX XXXX, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by [ Creditor Name ] about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AZ)

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit "
Consumer complaint received 2024-10-10
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. (FL)

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX. Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
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. (FL)

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
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. (MD)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-15
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: Experian Information Solutions Inc. (NY)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.