davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-17
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. (NY)

On XX/XX/2023, I sent a dispute letter to TransUnion regarding fraudulent charges on a XXXX XXXX account, which were attributed to me due to identity theft. The account in question had several unauthorized charges totaling {$310.00}. I provided comprehensive evidence, including a police report and an FTC Identity Theft report. TransUnion acknowledged the fraud and removed the account from my credit file on XX/XX/2023. 

However, as of XX/XX/2023, I discovered that TransUnion had reasserted the previously deleted fraudulent account back onto my credit file. This action is not only against my rights under the Fair Credit Reporting Act but has also continued to severely impair my access to credit, including business credit linked to my personal file. This reinstatement happened despite the submission of substantial evidence and the acknowledgment of identity fraud. I sent a police report, FTC report and documents proving my identity. XXXX are doing their best to suppress this issue at hand and I'm now prepared to litigate! 

This incident is the latest in a series of unsuccessful attempts to resolve this issue, marking either the second or third time I am addressing this complaint to the reporting agency and the creditor. The first attempt to address this FRAUD, XXXX came back in 2 days and said they did an investigation and it's verified not fraud. When I called XXXX to ask them how they performed their investigation, and to show proof, they could not provide details. I spoke to a supervisor and someone in the fraud dept. The continual mishandling of my credit file by TransUnion and XXXX in light of clear evidence of identity theft has caused ongoing financial and personal distress.
Consumer complaint received 2024-10-16
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I attempted to deposit a check in the amount of {$39.00} using online service. When attempting to finalize the deposit, it would not go through because I got an error message saying that the amount of the check in the amount that I entered did not match. I repeated the effort several times making sure that {$39.00} was entered, which was the amount of the check. After several failed attempts on XX/XX/XXXX, I went to the bank in person and cash the {$39.00} check. Approximately one week later, I received a letter along with a picture of the check, which said duplicate presentment stamped on it and the {$39.00} was taken from my savings account. The issuer of the check has confirmed with her Bank that the check has cleared, but would have to pay a fee to get A copy since she does not get the checks returned to her. The check not being paid is clearly not the issue because it would have been stamped insufficient funds. I have made three attempts to resolve the issue and can not get them to even show me where they ever received and credited me for the online deposit. They simply send me letters with no explanation and no supporting documents. 
I have asked the bank to simply reverse the debit and put the funds back into my account since it was taken an error, but they will not respond. Your assistance is greatly appreciated. Please see the attached transactions on the bank statement and the copy of the check that I received.
Consumer complaint received 2024-10-16
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: BARCLAYS BANK DELAWARE (WI)

Hello I've contacted the bank about these duplicative and fraudulent transactions over a year ago, and they've never responded to me. I've sent letter, sent an online message, and waited on a phone call hold over an hour. I request all of these transactions credited. The same company that I do not recognize is charging twice in XXXX XXXX, and XXXX XXXX.

XXXX XXXX XXXX XXXX {$36.00} XXXX points XXXX XXXX XXXX XXXX {$36.00} XXXX points XXXX XXXX XXXX XXXX {$36.00} XXXX points XXXX XXXX XXXX XXXX {$36.00} XXXX points XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$36.00} XXXX points XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$36.00} XXXX points
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I checked my credit report and saw a fraudulent credit card that has been opened in my name from capital one that is not mine. It was opened on XX/XX/year> with a balance of {$500.00} and past due amounts. It had a phone number and address attached to it that is also not mine. I froze my credit with the 3 credit card bureaus and disputed the credit card with each of them. They told me to file fraud report through this website. I also called credit one credit card company and reported it and they have opened fraud investigation on the card.
Consumer complaint received 2024-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Credit Karma (OH)

I requested to be refunded for the instant transfer fee of {$12.00} for my transaction of {$720.00} to my XXXX bank account on XX/XX/year>. I had to make this transfer because I could not use my card or make payments from my account despite have sufficient funds. I reached out to customer service and was transferred across three different teams yet they did not provide a solution or have an answer to the reason why I did not have access to the fund in my account. I finally reached a customer service representative who told me that there was a system issue so l had to wait to be able to use the funds in my account or transfer the money. I asked why account holders were not notified of a block to their account from a system issue and was told that not everyone was affected. The representative said I would have to wait to be able to use my funds ( no expected time frame was given ) or I transfer my money to an external so l could use it. ( Case # XXXX ). I had the option of making a free standard transfer that would be processed the next business day ( 2 days later ) or an instant transfer with a charged fee ( {$12.00} ) to be able to use the money in my account that day. The transfer that I had to make because the Credit karma money had a system issue and wasnt processing any payments. I was told to expect an email for assistance from the department in charge. I did not receive an email or any follow up. I reached out again XX/XX/year> about reimbursement for the fee from a transfer a had to make because of the Credit Karma money issue and was told, Unfortunately we do not have this option since you made this transfer, and I know you made it because a system issue but we are unable to refund you and in that case you were able to make a normal transfer to avoid the fee. ( Case # XXXX ) The normal/standard transfer without the fee would have processed the next business day which was two days laters. I know this because In the past I had to wait till the following business day ( Monday ) when sending a external transfer over the weekend. I was redirected to the dispute team and spoke to a representative there who told me they couldnt solve that issue and was transferred again to their general customer service department. After explaining the issue I was told again that they could not compensate for the fee because to complete an instant transfer the 1.75 % fee of total amount must be applied ( Case # XXXX ). 

Summary : I wasnt notified about not being able to have access to my funds, and had to make an external transfer that required a fee. Credit Karma is refusing to take accountability or compensate for the major inconvenience that blocked access to my money and the fee I had to pay to use money when I needed it.
Consumer complaint received 2024-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (FL)

Every time I call support they tell me I have to wait XXXX hours to use the card it happens after XXXX or XXXX uses after I verify that the charges are in fact mine I get a text saying all clear card is ready for use it's never having every text no matter how many times they verify me by phone and extensive verification of me and my wife not sufficient I still get texts with misinformation I call let them know and they said they doing it because of fraud prevention but never once as they sent me another card or anything to resolve this even after I made a {$500.00} payment from the same bank account that we always pay US Bank with. Now they have gone as far as far as restricting my online access so now I can't even see what is going on with my card or with any of my charges but they were quick to cash the {$500.00} payment even after another week to make XXXX purchases and then the car was blocked again they tell me they're going to call me XXXX or XXXX hours and never happens they always have an excuse I do not or no one answers the phone they never leave a message I called US Bank customer service and they're saying is the reason we're going through this because it's many calls as we've gotten from you well we wouldn't call that many times and they would stop misinformation. the card that is been verified and read it by and the payment even after trying to cancel the account they sent me to a US Bank that does not exist in Florida I asked them what's the next thing I can do is it wait for a call XXXX  call that never comes I'm tired of the lies I'm tired of running around and I'm tired of being treated like a criminal by them I never asked them for a bank card I dealt with State farm have paid of car loan never had a problem paying State farm even US Bank never was late all my payments don't appreciate their attitude and disregard for my credit or my wife we have excellent credit they have made our life impossible don't allow us to cancel the card don't allow us to use card but they do allow us to make payment they {$500.00} payment that was half what was owed without even being able to see the charges. We need help something has to be resolved again today yesterday the card was open used twice now the card is blocked again I am overwhelmed and I am out of ideas please help.
Consumer complaint received 2024-10-20
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: BARCLAYS BANK DELAWARE (PA)

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 2024-09-03
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: Experian Information Solutions Inc. (FL)

I am writing to express my deep dissatisfaction and concern regarding the unresolved status of a previous dispute concerning unauthorized inquiries on my credit report. I initially filed this dispute onXXXX and followed up on XX/XX/XXXX. This letter represents my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 

Unauthorized Inquiries in Question 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 Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) : This section mandates that disputed information must be promptly investigated. It has been more than 30 days since my initial dispute, and I have not received an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) : This section entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights. 
Section 604 ( 15 U.S.C. 1681b ) : This section defines the permissible purposes for obtaining credit reports. The inquiries in question were made without my consent and do not fall under any permissible purpose, representing a significant infraction. 
Immediate Action Required I request the following actions be taken immediately : Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

Immediate Removal of Unauthorized Inquiries : Remove any inquiries identified as unauthorized from my credit report without delay. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Please include documentation supporting your actions.
Consumer complaint received 2023-10-05
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-05
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. (FL)

This version is slightly more formal and structured for clarity. I am writing to formally dispute several inaccuracies on my credit report that persist despite prior verification efforts, which indicated the information was accurate and verified report # XXXX. 

These discrepancies pertain specifically to my XXXX account ( # XXXX ). 
1. **Past Due Balance on Charge-Off : ** The report shows a past due balance of {$2400.00} as of XX/XX/XXXX, on an account that was charged off. It is unclear how this balance remains after the charge-off occurred. I request clarification on this issue? 
2. **Inconsistent Charge-off : ** This account is listed as a charge-off under your Grid Code : L. According to Experians glossary ( BCI ), a charge-off does not have a recurring charge off code in the payment status of your glossary, yet my report shows recurring charge-offs each month from XXXX XXXX. This does not align with XXXX guidelines and must be addressed. Given these inconsistencies, I request a full validation of this account, including a copy of the originally signed contract bearing my signature. Additionally, I would like to remind you that, as of XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) amended the Fair Credit Reporting Act ( FCRA ) Summary of Consumer Rights. Consumer reporting agencies are now required to provide consumers with this updated summary whenever there is a request for disclosure of their consumer file. Please ensure this is included in your response. Thank you for your prompt attention to this matter. I expect a thorough investigation and the deletion of these inaccuracies. 
Proof of documentation is uploaded.
Consumer complaint received 2024-09-03
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: Experian Information Solutions Inc. (FL)

I am writing to express my deep dissatisfaction and concern regarding the unresolved status of a previous dispute concerning unauthorized inquiries on my credit report. I initially filed this dispute onXXXX  and followed up on XX/XX/XXXX. This letter represents my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 

Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) : This section mandates that disputed information must be promptly investigated. It has been more than 30 days since my initial dispute, and I have not received an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) : This section entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights. 
Section 604 ( 15 U.S.C. 1681b ) : This section defines the permissible purposes for obtaining credit reports. The inquiries in question were made without my consent and do not fall under any permissible purpose, representing a significant infraction. 
Immediate Action Required I request the following actions be taken immediately : Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

Immediate Removal of Unauthorized Inquiries : Remove any inquiries identified as unauthorized from my credit report without delay. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Please include documentation supporting your actions.
Consumer complaint received 2024-07-26
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am extremely disappointed, and I am writing this letter for your company to finally pay attention to my pending request of removal of these inaccuracies that are causing a huge backlash on my mental health. Please find the FTC report attached to this letter and reinvestigate.
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TN)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-09-05
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: Experian Information Solutions Inc. (CA)

Upon review of my recent personal credit report, there are UNAUTHORIZED hard credit inquiries that DO NOT belong to me. I immediately notified the Credit Reporting Agencies to no avail. In addition, I have a " fraud alert '' placed on all 3 credit files, and has not served anything in protection. The CRAs continued to sell my personal information to third parties offering me credit, loans, and ironically, credit monitoring services. It should be noted that the CRAs are completely unmoved by CFPB filings and have demonstrated no sense of urgency in complying with the filed complaints by consumers. I have filed complaints with the Federal Trade Commission ( FTC ) and to this day after almost 1 year-to-date, have not been able to obligate the CRAs to remove these UNAUTHORIZED credit inquiries through the CFPB process, one which is lame and ineffective by legal standards. CFPB has taken a XXXX position in properly enforcing the XXXX statutes although it is now evident that the XXXX has present Class-Action lawsuits pending in XXXX XXXX XXXX 

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