davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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: CITIBANK, N.A. (NY)

This is a second filing for cfpb complaint # XXXX which was again denied by AT & T XXXX XXXX I purchased 3 shirts from XXXX XXXX through XXXX XXXX on XXXX. I returned XXXX of these shirts in 2022. XXXX XXXX issued two credits on XXXX ( {$36.00} ) and ( {$30.00} ). These two credits were issued to XXXX. XXXX forwarded the credits to AT & T XXXX. The account number used by XXXX ( ending XXXX ) was one that had been replaced with a new credit card number ( ending XXXX ) due to a breach on the original credit card number. ATT XXXX assured me that the credits sent to the old account number would have transferred to the new number. I have opened 3 separate disputes on these payments with AT & T XXXX and all have been denied because I have not provided them with a 'valid credit slip '. XXXX XXXX gave the credits totaling {$66.00} to XXXX. XXXX then forwarded those credits to ATT XXXX. I provided ATT XXXX with the XXXX account statement showing the credits had been sent to them. XXXX says the problem is with XXXX. XXXX says the problem is with AT & T XXXX. I have attached the XXXX XXXX refund copy from their website, the XXXX transactions for {$30.00} and {$36.00} and the XXXX XX/XX/2022 Statement showing the transfer from XXXX to AT & T XXXX. Someone has the {$36.00} and {$30.00} refunded by XXXX XXXX- and it is NOT me!
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

Last 4 of SSN : XXXX To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows : Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX, La XXXX Employer : XXXX XXXX XXXX XXXX Social Security Number : XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my bank statement for your verification. 
Best Regards,
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Inn violation of the federal fair credit reporting act, XXXX XXXX XXXXXXXX, Transunion, XXXX, and XXXX continue to report false information in a credit report that is the result of fraud, identity theft, and incompetence on XXXX XXXX XXXXXXXX XXXX XXXX. The report of a late payment of 30 days in XXXX on an account from XXXX XXXX XXXXXXXX is inaccurate due to fraudulent or technical incorrect information. There should be no late payment. It needs to be removed today.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In 2020, my checking account was compromised and {$950.00} was pulled out -- I am not sure where the information was compromised or who took it. Bank of America XXXX XXXX department took my case and filed a fraud case on XX/XX/XXXX of XXXX the amount was refunded and they suggested opening a new account and transferred my money. I did not realize I needed to call all of my vendors and let them know what had taken place. This was my first ( and hopefully last ) time to experience fraud and I was following the lead of the fraud team. I also started a new job and was training XXXX hours per day -- so I had to make calls to the bank when I had a XXXX minute break here or there, which was often not enough time to get to the right person. Luckily XXXX gave me their direct line. Over the course of the next few months I moved to XXXX and had to focus on urgent matters like finding an apartment, etc. I believe infinity was the first vendor to call me, and then I realized that all of my auto-payments were not going through because of the new account number. I paid up registered my new number in the few breaks I had or after XXXX or on the weekends, but by then the damage had been done to my credit. In the last few months I have been working with a fantastic Attorney, XXXX XXXX who is helping to inform the bureaus of what happened. In the process I have repeatedly called Bank Of America to get information about the fraud, the dates, anything -- any information they can give me. I have spent between XXXX hours on the phone with BofA and it's hard to put into words the ineptness of their system. I manage relationships for a living and am communicative and patient, however this goes beyond what anyone would deem acceptable. Representatives transfer me around, I end up explaining the situation multiple times, fraud transfers me out of fraud and then someone else transfers me back to fraud -- this goes on for hours. Sometimes they can see the fraud case and I ask for any information to be sent to me in letter form -- why the account was closed, etc -- twice I have been hopeful as the person on the other end seemed to understand and request the information I need -- it will be there in XXXX weeks. XXXX weeks goes by and nothing. This has happened over and over. I have been disconnected 4 times. I want to give up -- but this XXXX XXXX is affecting my ability to get good interest rates. I can not wait to leave Bank of America! You have to know about this lack of efficiency and just complete waste of time they put me through -- I was able to get the dates and amounts out of XXXX person -- which is how I could include it in this form -- but I still have no proper information needed for the credit bureaus! The account number and address are both old, but they are able to find them in the system.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-12
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/year> I received a text notice from Bank of America that my credit card was used multiple times on XX/XX/XXXX and I immediately reported it as fraud as I did not make nor approve these charges. I was at home on maternity leave with a newborn baby and only used my credit card for online purchased as it was an online rewards card. This charges in question occurred at XXXX different XXXX  in different counties as well as an XXXX XXXX and a XXXX  totaling {$540.00} for XXXX different charges. I immediately canceled my card after reporting the fraud. Initially, Bank of America reversed these charges. Then, I saw that the charges were put back on my card and was notified that my claim was denied via a letter in the mail. I asked them to reopen the claim on XX/XX/XXXX, and waited a couple of months without hearing anything. I tried contacting them multiple times and was passed around to different departments repeatedly, only to finally receive a number that I could contact but closed at XXXX XXXX XXXX. I was then notified that a letter had been added to my online banking account and not mailed to me ( as the first letter was including an online copy ) and that my claim was denied again. I called once again and had them reopen the case and investigate, only to be denied again in XXXX. I called again in XXXX to have them reopen the case once more, and submitted evidence with XXXX XXXX that showed I was on maternity leave and photo evidence with date/time stamps of me at home with my newborn baby, as well as XXXX  delivery orders while being at home ( showing I could not have travelled around on those days making the purchases in question ). I also requested documentation, receipts and/or video evidence that led to my claim being denied and Bank of America said they had no documentation and that my claim was denied because a chip was read. Once again, my claim was denied. They did not say whether multiple cards had been issued, and they did not have any evidence that proved it was me or someone I know that made such charges. I have been with Bank of America for XXXX years and have never had such issues and am appalled at the lack of ability to get in touch with anyone who can provide such evidence to me. This has caused undue distress and emotional burden on me for months with no resolution in sight. I did not make these XXXX charges nor did I approve these XXXX charges to be made. Bank of America has been extremely unhelpful and difficult in resolving this issue. I am extremely close to leaving Bank of America and establishing my accounts elsewhere with better customer service and fraud resolution.
Consumer complaint received 2024-09-18
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. (IL)

I am reaching out for your help to deal with the wrong account that is currently being reported on my credit report. This concern is serious as it has negatively impacted my reputation, and I need your assistance. The way my credit information was managed has caused me immense trouble, tarnishing my reputation because of the errors. You need to remove these false entries from my credit report.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please provide the method of verification for the disputed account listed on my credit report with these XXXX XXXX accounts listed, Account Numbers in question are : [ XXXX, XXXX and XXXX ]. I want these ( XXXX ) negative accounts Deleted from my Credit Report. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 7 ), you are required to provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. Please provide detailed documentation showing the steps taken to verify the accuracy of this account. XXXX v. TransUnion LLC, '' No. XXXX ( XXXX Cir. XXXX ) reinforced that credit reporting agencies must conduct meaningful investigations into disputes and provide clear verification processes to consumers. 

Your repeated stall tactics and failure to conduct a thorough and reasonable investigation into these disputes demonstrate willful non-compliance with federal law. This lack of action is unacceptable and has caused me substantial financial and emotional harm. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-18
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)

Subject : Urgent Assistance Needed : Violation of Consumer Rights under Section 807 of the FDCPA Dear Consumer Financial Protection Bureau, I am writing to formally dispute the reporting of my accounts with Subject : Urgent Assistance Needed : Violation of Consumer Rights under Section 807 of the FDCPA Dear Consumer Financial Protection Bureau, I am writing to formally dispute the reporting of my accounts with XXXX XXXXXXXX XXXX XXXX XXXX XXXX Despite my repeated disputes, the furnishers continue to assert that these accounts meet the Fair Credit Reporting Act ( FCRA ) standards, which they clearly do not. 

Section 807 of the Fair Debt Collection Practices Act ( FDCPA ) prohibits the use of any false, deceptive, or misleading representation in connection with the collection of any debt12 The furnishers actions are in direct violation of this section as they have failed to accurately report the status of my accounts, thereby misleading the credit reporting agencies and causing significant harm to my creditworthiness.

I am in urgent need of your assistance as these inaccuracies are severely impacting my financial stability. The furnishers refusal to correct these errors is a blatant violation of my consumer rights under the FCRA.

I respectfully request that the CFPB intervene to ensure that these furnishers comply with the legal standards and correct the misinformation on my credit report.

Thank you for your prompt attention to this matter.

Despite my repeated disputes, the furnishers continue to assert that these accounts meet the Fair Credit Reporting Act ( FCRA ) standards, which they clearly do not.

Section 807 of the Fair Debt Collection Practices Act ( FDCPA ) prohibits the use of any false, deceptive, or misleading representation in connection with the collection of any debt12 The furnishers actions are in direct violation of this section as they have failed to accurately report the status of my accounts, thereby misleading the credit reporting agencies and causing significant harm to my creditworthiness.

I am in urgent need of your assistance as these inaccuracies are severely impacting my financial stability. The furnishers refusal to correct these errors is a blatant violation of my consumer rights under the FCRA.

I respectfully request that the CFPB intervene to ensure that these furnishers comply with the legal standards and correct the misinformation on my credit report.

Thank you for your prompt attention to this matter.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a XXXX and run a small XXXX XXXX. 
On XX/XX/XXXX, a company named XXXX took {$38000.00} from my checking account. 
I reported this to Bank Of America on XX/XX/XXXX XXXX as XXXX. 
They asked me to check with the company who took money out from my account which I did, they told me that I can not contact them directly, my bank ( Bank Of America ) should talk to their bank ( XXXX ). I told this to BOA, then they contacted XXXX to resolve this but it did not happen. Now BOA is say they cant do anything. I lost {$38000.00} due to the fact that Bank Of America could not keep my money safe which is their responsibility. I tried to contact BOA many times but did not get any answer and I dont know now who to contact.
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. (NY)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft I found numerous accounts on my credit report that were not open by me. This is currently hurting me as I am in the process of trying to get my own apartment please remove these from my credit report as soon as possible.
Consumer complaint received 2023-03-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/XXXX, I made a payment to a 'marketplace ' consumer of {$300.00} through Chase bank 's XXXX XXXX I trusted that Chase would protect my purchases or payments so i used Chase 's payment program. Once I made a payment, it was pending but did not go through immediately. On the same day, my product was not delivered so I realized it was a scam. I called Chase the same day to halt or stop the pending payment, but they could not do so. Once it went through a few days later, I called Chase again to speak with a supervisor only to find out I can not be reimbursed. I asked if they can do a one-time waiver knowing I won't do that ever again. From my experience, all other peer to peer transactions from XXXX, XXXXXXXX XXXX XXXX have protections and many of their customer rights are protected by the Regulation E law, but not XXXX. It is unfortunate I was a victim of both parties, not knowing that Chase XXXX will not reimburse or protect their customers. 

It was until after the phone calls and my reimbursement can not be accepted, I had to research why. I have found out about the issues many customers have with XXXX and that I was now one of them.
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. (NV)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 2024-10-10
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. (MI)

Bankruptcy is a legal process designed to help individuals or businesses manage insurmountable debt, and while it has significant financial implications, it is not intended to remain on a credit report indefinitely. Under the Fair Credit Reporting Act ( FCRA ), negative information such as a bankruptcy filing is subject to time limits, typically 7 to 10 years depending on the type of bankruptcy. The purpose of these time limits is to ensure that individuals who have gone through bankruptcy can eventually rebuild their credit without being permanently penalized for past financial difficulties. If a bankruptcy remains on a credit report beyond this allowed period, it is a violation of the law, and individuals have the right to dispute and request its removal.
Consumer complaint received 2023-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

On XX/XX/2022, the XXXX XXXX  XXXX XXXX XXXX ( DEO ) Homeowner Assistance Fund ( HAF ) sent the previous servicer Caliber Home Loans a check in the amount of {$28000.00}. These funds were granted by HAF on my behalf and to be applied towards my mortgage account. According to Caliber I was asked to wait for few months to ensure the check cleared, but later on I was informed they were not able to locate the funds to be applied to my account. 

HAF also provide six monthly checks in the amount of {$3000.00} each. These were applied, but not properly. Interest were even charged twice in the same month. 

I tried for months to obtain a results to no avail.