davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

1. I opened a new checking account XXXX in early XXXX to take advantage of an offer from the Bank of America : Open new account with outside funds for at least {$50000.00}, maintain the balance for 60 days, receive a bonus of {$500.00}. 
2. I followed the conditions with deposits totalling {$50000.00} on XX/XX/XXXX and no withdrawals for the following 60 days from the no-fee account. 
3. Bank of America did NOT follow acceptable or expected rules, since a with withholding on XX/XX/2020 was taken from the account principle rather that from the interest paid that day This lowered the principle momentarily to {$49000.00}. I would not have expected that a deposit to an account with no fees could decrease in value since no withdrawals were taken. 
4. When the account was initiated, I had a phone call with a representative to be sure I followed the procedures to receive the interest bonus. Starting in mid-XXXX of this year I have had 5 more phone calls speaking with various BofA representatives, and each representative has agreed that I satisfied the rules for the promotion and should be credited with the {$500.00} bonus. The most recent call assured me that an account with no fees ( balance over {$10000.00} maintained ) and no withdrawals could never AT ANY TIME decrease in value. I was also assured that withholding is paid out of the interest payment, and it is not taken from the principle. 

I should have received the {$500.00} bonus to my account over two months ago. Bank of America should make good on the bonus offer immediately.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX # XXXX Date Opened XX/XX/XXXX - BALANCE {$1400.00} XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX - BALANCE {$0.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX - BALANCE {$1900.00} Unauthorized inquiries XXXX XX/XX/XXXX
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARVANT FINANCIAL LLC (MD)

On numerous occasions I have reached out to the credit bureaus to correct my account status from charge-off to included in bankruptcy and have been unsuccessful in having this removed/updated. I would like to have this done as quickly as possible because this is causing me some problems in establishing a mortgage loan.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

Two years in a row I've done a consumer credit check through Transunion, and I've heard of their predatory subscription practices of automatically signing you up. I was incredibly careful yet I was automatically subscribed both times using their platform, I'm convinced there's no way to safely check your credit through this company.
Consumer complaint received 2024-09-09
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - BALANCE {$2000.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 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 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 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-09
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. (AZ)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-09
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. ()

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-03-13
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was notified by my employer, XXXX XXXX, on XX/XX/XXXX that someone had filed for unemployment benefits using my personal information. After this fraudulent incident was brought to my attention, I also checked my credit reports and found someone had applied for a Capital One branded credit card for XXXX on XX/XX/XXXX immediately and contacted Capital One to notify them of this fraudulent activity. I was told the credit card application was flagged as fraudulent and told it had not been previously approved. I was told that Capital One would send corrections to all CRAs of this fraudulent incident so that it would be removed from all of my credit reports within 90 days. 

On XX/XX/XXXX, I contacted Capital One again regarding this incident because as of XXXX, it appears that this fraudulent application and inquiry is still showing up on my credit reports I was told that they immediately reported this incident to all CRAs when I called them on XX/XX/XXXX. The customer service agent contacted the internal fraud dept and confirmed they had already send corrections to all CRAs when I called back in XXXX and I that had to individually contacted each CRA to find out why this fraudulent application was still showing up on my credit reports. I asked for my call to be escalated so that I could receive written confirmation this was sent, but was told that could not be provided. The customer service agent ( XXXX, ID reference XXXX ) refused to escalate my call even when I wished to file a formal complaint. She informed me that Capital One would only accept my complaint in written format and referred me to their website for more information. I find this whole situation ridiculous.
Consumer complaint received 2024-09-09
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 credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

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

Account Name : XXXX XXXX  - Account Number:XXXX  Account Name : XXXX  - Account Number:XXXX  Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account Number:XXXX  UNAUTHORIZED INQUIRIES : 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-08-30
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. (FL)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its refusal to remove a collection account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Creditor Name : XXXX XXXX Account XXXX Date of Collection : XX/XX/year> Amount : {$1.00} I have previously disputed the accuracy of this collectiom account with Equifax and provided evidence that the information is inaccurate. However, XXXX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax refusal to comply with this law is a clear violation of my consumer rights. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account collection my credit report. Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Equifax upholds its obligations under the law. Sincerely,
Consumer complaint received 2024-09-09
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. (GA)

I submitted a request to remove false and identity theft items on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX with no help or responses I made a complaint and sent in required documents to remove inaccurate and derogatory items that were apart of my identity theft claim I lost my purse with my social security card ID in XXXX XXXX and it has been a nightmare since. I was also contacted and informed I was apart of a security breach with taxact as well. Hi the company has not responded nor contacted me about my request and complaint that was made directly to them explaining Im a victim of identity theft and that the items they are reported are false inaccurate and apart of my identity theft. This is false practice from the credit bureaus and dishonesty because nothing has been done to help or respond to my request. My first request was on XX/XX/XXXX which is above and beyond more than 60 days Nothing has been done fixed or addressed correctly. It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to the bureaus all by certified mail requesting that they remove inaccurate information from my file and they have failed to do so. 
Accordingly, I can show a judge that these accounts are inaccurate and that they violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. Transunion XXXX and XXXX have violated many laws. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 
If this final request does not prompt them to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and they can travel to defend.

I take my credit very serious and their lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum with a complaint to the attorney general and federal court. 
Under the XXXX XXXX XXXX Reform and Consumer Protection Act, the CFPB is authorized to take action against institutions engaged in unfair, deceptive, or abusive acts or practices, or that otherwise violate federal consumer financial laws. Under the consent order, the bureau 's may pay a {$3.00} XXXX penalty if civil penalty under enforcement action. The CFPBs investigation into these matters has been ongoing my case was closed and they DID NOT respond of r take action within 60 days of XX/XX/XXXX or XX/XX/XXXX 2024
Consumer complaint received 2021-03-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

I opened a checking account with OneWest Bank and enrolled in a {$250.00} promotional offer. In the offer, it states " customers who enrolled in any other OneWest Bank personal checking reward or bonus offer in the past 12 months are not eligible for this offer. '' The wording is confusing as it is not clear if the 12 months is determined by the date the account was opened, the date the bonus was received, or the date the account was closed. So I met with a banker at a local branch and had her check my eligibility. She informed me that the 12-month restriction is determined by the past accounts open date, not by the bonus received date or closure date. I had a previous account with One West bank that opened on XX/XX/XXXX, I received a bonus on XX/XX/XXXX, and then closed the account on XX/XX/XXXX. The banker checked my past relationship with the bank and confirmed that in my case I was eligible for this welcome bonus as long as I open an account after XX/XX/XXXX. Therefore, I had the banker open this account on XX/XX/XXXX, and I completed all requirements per the terms of the welcome bonus by XX/XX/XXXX. However, I did not receive the bonus so I contacted the bank and was told that I can not get the bonus this time because they determined my eligibility based on my past bonus received date. 

Apparently, the customer service team has a very different interpretation of the 12-month enrollment than the banker who opened my account and guaranteed my eligibility. I do not mean to blame the banker, she was very nice and helpful during the account opening process, but it was her false statement that led to me opening my account too soon and not being eligible for the bonus. It is unfair that I do not receive this bonus due to a banker 's mistake, not my own. Plus, the terms are not written in a clear and concise manner, which is confusing for customers as well as their own bankers, and I noticed in their latest offer has improved the words about the enrollment/eligibility so it seems they also realized their terms were misleading. Therefore, I am requesting the bank to provide me with a one-time exemption for this bonus and credit my account at this time. I would like to keep a banking relationship with OneWest bank in the future and intend to refer this bank to more friends.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 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 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 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 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 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-13
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: I.C. System, Inc. (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-03-14
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. (MA)

Look at the discrepancies on the way this XXXX account is reporting below. Not only is missing information. ITs reporting incomplete, misleading, and with multiple inaccuracies. For the last 4-5 months, I been trying to reach out to them directly to resolve this issue, and they failed to report who this account was transferred when it was charged off. Now its reporting incorrect and wrong balances across all the 3 credit reporting agencies, and how come its reporting different payment statuses on payment history below after the account was closed. Its my understanding that it shouldnt be reported as such. Isnt that a violation? Plus, Ive already went ahead and paid-off this account and they guaranteed that they will notify XXXX to delete this account from my credit report. Its reporting with so many inaccuracies and errors. DELETE NOW, and Im not liable. DELETE DELETE DELETE! SEE ATTACHMENTSSSSS
Consumer complaint received 2021-03-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Four Directions Lending LLC (TX)

Company sent me loan docs to sign. Saying loan was approved. Signed and called them back just to find out the docs they sent me was not legitimate. Apparently they have to wait for approval? Told the guy on the phone that what he did was illegal/fraud, and he needs to cancel everything right now. He proceeded to give an explanation. Scam company. I am changing my bank account information right now. 

I am letting y'all know about this company that is sending false loan docs, lying to people. Westside XXXX needs to close up shop.