davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

In XX/XX/2023, I received a letter from Bank of America with an attached ATM card for a new banking account open under my name. I never opened, nor did I give anybody permission to open an account with Bank of America on my behalf. 
I tried to contact Bank of America customer services and called every phone number provided on the letter as well as on the Bank of America web site. I was never able to talk to anyone. I walked into an agency, but the personnel told me to contact the Customer Service. 
I then addressed a letter requesting an explanation as of how this account was opened, which I mailed to the Customer Service address indicated on the front page of the Bank of America statement. I never received any response. 
Later that month, I received another letter informing me of Bank of America 's decision to close the account because they were not able to verify my identity. I then tried again to contact the Customer Service but was still unable to talk to anyone who could explain what was happening. 
Despite the account being closed, I continued receiving statements from Bank of America until XX/XX/2023. I tried again to contact them - no results. 
I then contacted a financial attorney 's office, where I was told that it might be the result of an identity theft. Since I was not able to talk to anybody at Bank of America, I can not establish whether this is the case. 
I then called the XXXX XXXX XXXX where the agent told me to contact the Consumer Financial Protection Bureau.
Consumer complaint received 2024-11-03
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)

XXXX XXXX, XXXX, XX/XX/XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605 ( 15 U.S.C. 1681c-2 ) that you, The Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. this fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX  opened XX/XX/XXXX under the account number XXXX, A personal Loan from XXXX XXXX XXXX opened date XX/XX/XXXX under account XXXX, A personal loan XXXX date opened XX/XX/XXXX under account number XXXX, and a Collection account from XXXX XXXX XXXX XXXX date opened XX/XX/XXXX under account XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer fico credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collection, hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are result of identity theft and fraud. I have attached a copy of FTC identity theft Criminal complaint # XXXX as proof from US Federal Trade Commission that all aforementioned consumer credit accounts, collections, and hard inquiries are result of identity theft and fraud.
Consumer complaint received 2024-10-01
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. (TX)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-10-01
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Subject : Request for Assistance Regarding Negative Verbiage on Credit Report Dear CFPB, I am writing to seek your assistance regarding an issue I have encountered with my TransUnion credit report. Recently, I noticed negative verbiage remarks associated with XXXX XXXX XXXX that has adversely affected my creditworthiness. As a result, I have been denied services that I rightfully qualify for. 

I believe this negative information is unjust and does not reflect my true creditworthiness. According to 15 U.S. Code 1681, it is imperative that credit reporting agencies uphold accuracy and fairness in their reporting practices. Inaccurate credit reports can directly impair the efficiency of the banking system and undermine public confidence. 

Given these circumstances, I kindly request your intervention in this matter. If TransUnion is unable to rectify the negative remarks on my credit report, I am formally requesting that XXXX XXXX XXXX be removed from my report, in accordance with the aforementioned law that emphasizes the importance of fair and accurate credit reporting. In the remarks section should also state paid and closed, also my attorney is aware of this matter. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely
Consumer complaint received 2024-10-01
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. (CO)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX 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 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Transunion is the only one of the " Big 3 '' credit reporting firms to not verify my identity via verification codes which they, themselves, have sent to me via text message.

I need to be able to access and freeze access to my credit from any parties who may want to steal my identity, etc. 
Transunion appears to be unable or unwilling to assist me in accessing the account which I created with them in XX/XX/year>. 
Please advise. Thank you.
Consumer complaint received 2024-10-01
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. (OH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-01
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)

To Whom It May Concern, RE : XXXX XXXX XXXX XXXXXXXX I am demanding the following late payments be removed because I believe my consumer rights have been validated based on the consumer law ( s ) listed below 15 usc 1681a - Definitions ; rules of construction Section 2 - Exclusions subsection A subsection i - reports containing information solely as to transactions or experiences between the consumer and the person making the report. 15usc1666b- late payments 15 usc 6802 Obligations with the respect of disclosure of personal information : ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the me that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Clearly, under the law a late payment is considered a Transaction and not have added to my consumer report. 
Under 15 usc 1681n, - Civil liability for willful noncompliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; as a consumer I can charge {$1000.00} for damages if you don't remove this item because it is very injurious to me. 
PLEASE DONT SAY THE ITEM HAS BEEN VERIFIED. Either the law is applicable or not! Send an updated copy once the item disputed has been removed
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (GA)

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report, specifically in reference to 15 USC Section 605 ( b ). Upon reviewing my report, I have identified entries that are not only incorrect but also misrepresent my financial history. 
The following account ( s ) contain inaccuracies : -XXXX XXXX XXXX , in the amount of {$330.00} According to Section 605 ( b ), information that is outdated or inaccurate must be removed from my credit report. I demand that you conduct a thorough investigation and promptly correct or delete this erroneous information. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-10-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: STATE EMPLOYEES CREDIT UNION (NC)

Initially I applied for a mortgage for 2 investment properties. I was approved by loan officers back in XXXX, then 1 week before closing. They stated that my income couldnt be verified. I then requested info on why, they stated it was incorrect on the employment verification. To salvage my time and money trying to close on the account I stated that it was probably a clerical error since my w2 and tax returns were correct and the paper that had to be manually processed was the only issue. So common sense would have shown it was a clerical error, nothing more. 

2nd attempt to get financing new application, I tried to consolidate my debt using my existing HELOC loan, I was again approved, did appraisal and just today on XX/XX/XXXX they gave me a generic reason for denial unable to verify income. I asked for clarity and what couldnt be verified since I receive direct deposits from my regular employer and my rental income comes in monthly as direct deposits. No answer as of yet. 

At this time I would like the consumer finance department to look into both of these instances. This seems to be a clear case of unfair lending practices, which has been illegal since 1996. But apparently state employees didnt get the memo. 

This has caused extreme emotional and Finacial stress. 

Thanks in advance for your assistance with this escalation.
Consumer complaint received 2024-10-25
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. (TX)

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, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-25
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: MoneyLion Inc. (CA)

On XX/XX/year>, I was approved for {$890.00} credit line of credit. 

The company did not make this line of credit available. Instead it was placed in a reserved account with no access to me. 

The company markets a false product and does not honor a contract with customers. I paid {$550.00} from XXXX to XXXX and was charged {$230.00}! Received a refund of {$310.00}.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. ()

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2023-07-25
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. (NC)

There were two fraudulent charges on my card. Citi refunded the two charges but reversed one charge later on. Essentially, I was charged three times and refunded twice.

In their decision, they provided proof that the charge was fraudulent. The purchased item was mailed to a state I have never went to and it was addressed to someone I do not know. I filed a police report and provided that information to Citi. 

It has been XXXX months and I have not been able to get a resolution. Whenever I call, I need to navigate the menu in a very specific way in order to talk to someone. On my most recent call, the initial answering employees started passing me around and pretending to be supervisors. I ended up catching them on this when they misspoke and admitted they weren't really a supervisor. 

I am currently waiting two additional weeks to hear back. I eventually got to a supervisor and they did seem legitimate. However, I can not confirm if the issue will actually be resolved this time. The police officer involved said they would be willing to speak to the company as well as the case is so black and white. 

I am very frustrated as I am getting the runaround and need the money back. I am hopeful for a resolution but I also have been strung along for XXXX plus months when this should be routine. 

Thank you for any assistance you can provide. I have provided all relevant documentation to the credit card company and they confirmed they have it in their records. I have not uploaded any documentation here as I don't want anything public. 

The card number I am providing on the next page is my current card and not the one that was used for the charge. I think this is what you will need to find me in their system.
Consumer complaint received 2016-08-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NH)

This all began on XXXX/XXXX/16. That evening at XXXX I saw the account balance was negative with XXXX transaction in pending status. Immediately I withdrew money from my ( at the time ) XXXX account and went straight to the bank, however they were closed. I double checked prior to placing the cash into the night drop box that all transactions were pending in my online banking, once confirmed I put the money into the box. I also confirmed prior to going to work for XXXX that the transactions had not processed and they were all still pending. In total I deposited {$280.00} cash into the night deposit box, which I have been told in the past by the bank manager that it gets deposited first thing prior to opening. I was also told that this was a better option than depositing into the ATM due to the order in which they were processed. 
XX/XX/2016 at about XXXX I checked my bank to ensure things had been processed, and found a balance of {$6.00}. The institution had returned every single transaction, charged me XXXX fees of {$37.00} ( {$190.00} approximately ), which with a daily limit of XXXX was all they could charge me. The account started with {$170.00} in it. On XX/XX/2016- the transactions were as follows : {$65.00} ; {$110.00} ; {$14.00} ; {$40.00} ; {$4.00} ; {$35.00} ; {$26.00} ; {$10.00} ; {$50.00} ; {$20.00} ; {$57.00} leaving a balance of - {$250.00}. If the deposit was processed first thing in the morning prior to XXXX ( the last time I saw the transactions as pending ) this would have been avoided. The largest transaction was debited first even though one would think a bank would have financial soundness of their customers as a priority, not their own financial gains. Also if the largest of transactions would have processed first I would have avoided multiple fees, instead the bank processed the XXXX first which made my account -XXXX, this was followed by XXXX additional transaction which were placed in a way that caused every single one to be returned. 
On XX/XX/2016 there was an attempt to reprocess a XXXX card payment, leaving me with -XXXX and it was again returned. It was returned on XX/XX/2016 and I was charged another XXXX $ for overdraft. On the same day I was paid XXXX from my XXXX job leaving my account balance of {$270.00}. At this point transactions were beginning to be reprocessed along with fees from various credit card/loans/automatic payments/debit transactions, I still am having difficulty returning to my prior financial state which is leading to further overdraft fees, I am unable to close my account due to ongoing resubmissions from credit card payments, and this whole situation has definitely impacted my entire life negatively. 
Also I would like to add that I have contacted the bank multiple times since the start of this and they offered me {$74.00} to cover the unreal amount of stated fees, and said that they were doing me a favor and " got special authorization to do so ''.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Experian 's web site and customer support services are completely unacceptable and inaccessible. I've tried to freeze my credit with Experian multiple times by using their webiste and calling their customer support. 

Their website sign up process only sends me to an error page. It sends you to this error page only after you've provided your information, including your full social security number. When you hit that error page, it directs you to a XXXX number where it gives you instructions to go to the website, or to mail them your personal information. You can not speak to a person. 

If a company that monitors American 's credit and is allowed to impact citizen 's lives in such a substantial way can't operate a website in a way that instills faith that they take that responsibility seriously, they should be put out of business.