davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-12
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Back in XXXXXXXX  at the end of the first year of the pandemic my grandparents both XXXX XXXX XXXX XXXX and I had to go out of town to take care of their business my mother and I both went out to their home and were gone for a couple of months during that time I did continue XXXX XXXX XXXX XXXX during his time and ended up XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My California XXXX card was stolen by a person who lived with me and has since been convicted of his crime and I just find his trial so I should know. {$25000.00} was spent and that was all unauthorized I put in my first claim with Bank of America they had a 100 % product protection of clause and the contract and I also submitted police reports and a video evidence submitting on my claims it's the video evidence had the man going to be ATM and getting the money out in several because he knows it with me nowhere to be found cuz XXXX XXXX XXXX  also they denied that way at first within not even 5 days then XXXX claim and then I be getting a letter saying that they were unlawfully denying claims if I didn't agree to reopen my claim and I reopened another one in XX/XX/XXXX and that one was open and pending all the way until I finally started calling them again on the XXXX and then they decided to deny it again with no police there's no basis to deny my claim that's how I know they're not doing any kind of pending until XX/XX/XXXX of this year meaning that claims open for 2 years they have 45 days to make a decision and did not they only denied it only XXXX of this month because I began to call in again now they never did an investigation because if they were and had they do a man was arrested and caught with my california XXXX card and submitted a police report to back my accusation.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

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, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-19
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. (CA)

on XX/XX/2024 I reported an incorrect information was on my credit report, I asked for verification as well. I also stated that the name that was on their end was not associated with me nor have I've ever been know by the name they have on filed while also explaining I have been a victim of identity theft. I asked it be removed which didn't happen and I never recieved verification either.
Consumer complaint received 2023-10-09
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. (IL)

I want to stress that the mentioned inquiry on my credit report has no connection to me. I am not familiar with, nor have I ever been affiliated with the listed creditors. I urge you to take swift action to delete this inquiry from my report. Thank you for addressing this concern promptly.
Consumer complaint received 2023-09-06
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. (FL)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-07
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. (OK)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-09-06
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. (GA)

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.

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 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (IA)

OPENED ACCOUNT AND INITIATED A BALANCE TRANSFER. BALANCE TRANSFER DID NOT GO THROUGH, AND RECEIVED AN ALERT ON THE CITI BANK APP, THAT THERE WAS A " FRAUD ALERT '' PLACED ON MY ACCOUNT. DUE TO XXXX XXXXXXXX, I AM UNABLE TO COMMUNICATE ADEQUATELY ON THE PHONE. I DIRECTED MY POWER OF ATTORNEY AND PERSONAL HOME HEALTH AIDE TO CONTACT CITI BANK BY PHONE, AS NO OTHER OPTIONS WERE GIVEN TO CONTACT CITI BANK BY TTY. MY AIDE CALLED CITI BANK AND VERIFIED ALL APPROPRIATE INFORMATION WITH THE REPRESENTATIVE. THE REPRESENTATIVE REFUSED TO SPEAK WITH ME AIDE, OR ALLOW ME TO COMMUNICATE THROUGH MY AIDE. THIS IS A DIRECT VIOLATION OF THE AMERICAN 'S WITH XXXX ACT, AND A SEPARATE COMPLAINT WILL BE FILED WITH THAT BRANCH OF GOVERNMENT. THE CITI BANK REPRESENTATIVE ( S ) REQUESTED OUTSIDE CREDIT CARD INFORMATION, WHICH THEN HAD TO BE CANCELLED DUE TO FRUAD, BROUGHT ON BY CITI BANK 'S REPRESENTATIVE ( S ) MISUSE. DESPITE OBTAINING THAT CREDIT CARD INFORMATION, " THE REPRESENTATIVE ( XXXX ) WAS UNABLE TO VERIFY THE ACCOUNT AND WOULD BE SENDING A LETTER BY MAIL IN 7-10 BUSINESS DAYS ). AGAIN, ALL WHILE HAVING NO ABILITY TO USE MY CARD, OR COMPLETE THE BALANCE TRANSFER ( S ). I HAVE BEEN LIED TO SINCE OPENING THIS ACCOUNT, I HAVE BEEN DISCRIMINATED AGAINST BASED ON MY XXXX, AND WILL BE SUBMITTING A COMPLAINT TO THE OFFICE OF CIVIL RIGHTS OF THE UNITED STATES OF AMERICA. MY ACCOUNT REMAINS UNUSABLE. MY CREDIT SCORE HAS BEEN NEGATIVELY IMPACTED BY OPENING THIS ACCOUNT, FOR WHICH I AM UNABLE TO USE.
Consumer complaint received 2023-09-06
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. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-21
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 Sir/Madam, I am writing to formally dispute the presence of certain items in my consumer report, which have been reported without my written consent. This action is in violation of the provisions outlined in 15 USC 1681b. Additionally, I have reported this matter as a case of identity theft to the Federal Trade Commission ( FTC ) and possess a reference number [ XXXX ] for this incident. 


As per 15 USC 1681c-2, it is the responsibility of the consumer reporting agency to promptly block the reporting of any information in the file of a consumer that the consumer identifies as resulting from alleged identity theft. The law mandates that this should occur not later than 4 business days after the date of receipt of such information.

I hereby request the immediate removal of the following accounts from my consumer report : Account Info Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX Account number XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Unauthorized Inquires XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX These accounts were reported without my written consent and are a direct result of the identity theft incident, as indicated by my FTC reference number [ XXXX ]
Consumer complaint received 2024-10-11
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-09-06
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. (WA)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-09-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (TX)

The amount of {$92.00} collection was placed on my credit report. With no letters or calls to state debt owed. I sent out a debt validation letter after the collection was placed onto the credit report and received no response back after 30 days. I also have disputed this with credit bureaus as an invalidated debt
Consumer complaint received 2023-09-21
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. (FL)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXXXXXX XXXX XXXX XXXX XXXX -- IDENTITY THEFT XXXX XXXX XXXXXXXX XXXX XXXX -- IDENTITY THEFT XXXXXXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-08-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

On XXXX/XXXX/2016 I called Citi at XXXX and spoke to an agent named XXXX at XXXX EDT who opened up XXXX Citi Gold Checking accounts for me with the following promotion code : XXXX. XXXX stated that so long as I make {$1000.00} in debit purchases and two consecutive monthly bill pays I would receive XXXX XXXX miles per account for the Citi Gold accounts within 90 calendar days from the date when I completed the offer requirements. All the offer requirements were completed on XXXX/XXXX/2016 for both accounts, and 122 calendar days have passed but the XXXX miles have not been added to my Aadvantage account.
Consumer complaint received 2024-10-11
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft Please Remove Late Payment Account XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX Dear, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-06
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: EQUIFAX, INC. (FL)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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.

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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: TOYOTA MOTOR CREDIT CORPORATION (NC)

My lease is financed through Mazda Financial Services ( MFS ) and the maturity date is in approximately XXXX  days ( XX/XX/2023 ). As with many leases, per the contract, I have the option to purchase the vehicle at lease end for the amount specified on the contract ( plus applicable taxes ). 
On XX/XX/2023, I attempted to arrange the purchase of my lease on the maturity date directly through Mazda Financial Services. However, because my vehicle 's garaging address is in North Carolina ( based on my home address ), Mazda Financial will not allow me to purchase my lease through MFS and instead requires me to purchase my lease through a dealership. 
On XX/XX/2023, I contacted XXXX local dealerships ( one of which is where I initiated my lease ). I am not stating the names of the dealerships in this complaint for fear that they will refuse to allow me to buy out my lease. I will provide this information if I am reassured that the dealers can not retaliate. 
Dealership # XXXX will only facilitate a lease buyout if the lessee agrees to a vehicle certification, which costs {$2400.00}. This is in addition to a {$990.00} administrative fee. If I elect to not certify my vehicle, Dealership # XXXX will not facilitate the buyout. 
Dealership # XXXX charges a {$750.00} origination fee and does not require vehicle certification to facilitate a lease buyout. However, they do require customers to finance the lease buyout via the dealership, who will select the lender and initiate the loan origination process. If I want to pay in cash or obtain my own financing, Dealership # XXXX will not facilitate the lease buyout. 
As is evident from above, Mazda Financial 's requirement for dealers to facilitate all lease buyouts in North Carolina leads to additional fees above the agreed-upon contract price and is based entirely on dealer discretion ( i.e., no dealership is obligated to facilitate my buyout, and I must agree to one dealer 's terms if I want to buy out my lease ).

Dealers are not financially motivated to dedicate time and effort to lease buyouts. Consequently, they resort to predatory behaviors, such as those listed above. I should be able to purchase my vehicle for the amount outlined in the contract.
Consumer complaint received 2015-07-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Portfolio Recovery Associates ( PRA ), was served with demand for verification of debt via certified mail # XXXX, confirmed received by PRA XX/XX/XXXX, to legally validate their collection claim, no response. XX/XX/XXXX a XXXX written request to PRA demanding verification was sent, no response. On XX/XX/XXXX a XXXX written demand to verify alleged debt sent to PRA, no response. To date, PRA has been non-responsive in validating alleged debt and has continued to negatively report this alleged debt on all XXXX credit bureaus.