davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These were all made on XX/XX/year>2024 I went into purchase a car and already had a pre-approval and a cash down payment and I explicitly told them not to run my credit because I'm trying to keep my credit clear for a mortgage loan and they ran my credit with XXXX XXXX,, XXXX XXXX, another one for XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XX/XX/scrub>XXXX XXXX 2024, XXXX XXXX XXXX on XXXX XXXX 2024, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 2024, XXXX XXXX on XXXX XXXX 2024, XXXX XXXX XXXX on XX/XX/year>2024, XXXX  XXXX / XXXX XXXX  on XX/XX/scrub> 2024, XXXX XXXX on XX/XX/year>2024, XXXX XXXX on XXXX XXXX 2024XX/XX/year>, and XXXX XXXX  XX/XX/scrub>XXXX XXXX  2024, XXXX again on XX/XX/year>2024, XXXX XXXX XXXX XX/XX/XXXX 2024. there is also XXXX XXXX  XX/XX/year>2024, XXXX XXXX XXXX XXXX XXXX 2024, XXXX XXXXl XX/XX/scrub> 2024. This was not authorized and added many hard inquiries to my already struggling Consumer Report which now makes me look financially irresponsible and impacts My Consumer Report negatively and they need to be expunged because they were never authorized to do this.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I lost my debit card I locked it maby I'll find it I thought I did when went to cancel it I got a notification it was unlocked and a email say your welcome from boa so they unlock my account which stress me out then they accuse me of fraud then they verbally tell me my account is closes immediately do diposit money or anything cancel XXXX days later I get letter your account closed..a month or so go buy then I get letter saying ur account is overdrawn fix it ..account need your attention.. this has been embarrassing an stressful now I have a Fraud alert on my profile. And makes things complicated I'm a single dad with bi XXXX children my life is hard enough.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AR)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX - XXXX
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

When I opened my checking account with Bank of America including XXXX cards, XXXX debit card and XXXX credit card. I have XXXX accounts : XXXX is the XXXX XXXX banking account while the other is the XXXX XXXX account. 

I had accumulated quite lot of savings from the beginning XXXX  of dollars. 

The BOA branch associate promised me that I will receive free credit report within 6 months of my opening of the accounts but that never happened. 

To make things worse, I have not received any credit reports in the last XXXX years. 

Having contacted BOA many times, their customer care department still refused to take any tangible actions to resolve this issue.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I tried to dispute several transactions with XXXX back in XXXX XXXX XXXX and in XXXX XXXX XXXX after I discovered unauthorized charges. However, despite the time I informed Bank of Americas fraud servicing department was well within 90 days after the transactions occurred, they denied these disputes as the BOA agents claimed that the bank had imposed a more severe limit on dispute time limit on debit card than credit cards. This is not disclosed anywhere and should be investigated since I believe BOA is acting fraudulently or engaged in false advertising for not disclosing this to their customer
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I did not use my card for while in XXXX and XXXX last year. When I paid my annual cell phone bill using my Bank of America credit card in XXXX last year. Bank of America automatically locked my card when I live XXXX of miles away from the nearest branch. Their customer service associates insisted that I had to visit a branch in person. After an accumulative of XXXX hours of calls with different BOA agents, they continued to provide false information to me that I had to travel to branches in person to unlock the account. During these lock periods from wishing to XXXX, I was denied the opportunity to earn the XXXX percent rewards on my Bank of America Visa card since I had to use their debit card. I had requested multiple occasion to speak to a supervisor but was denied such opportunity. 

It wasnt until late XXXX when I was finally connected to a Bank of America Customer Service supervisor who told me that the previous agents have lied as they should have directed me to a call center supervisor who will be able to unblock my account for me without having to visit the branch in person given the fact that the nearest branch is XXXX of miles away from my home.
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

There were several XXXX bookings and Hotel bookings are completed in the United States but Bank of America charged foreign transactions fees on these transactions. Having contacted their agents, they had refused to remove them and they also refused to disclose reasons why these fees were wrongfully imposed.
Consumer complaint received 2024-08-16
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have informed Bank of America that the merchant in question XXXX XXXX cheated me and did not intend to provide any services. I filed a dispute with the merchant. The bank initially refunded me the money but then reversed the course by charging me the amount XXXX usd. The merchant claimed they still had not received it while the bank claimed they had forwarded to the merchant. I have already settled the dispute with the merchant in an alternative venue so it is now time for Bank of America to credit me back that XXXX usd.
Consumer complaint received 2023-11-20
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. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The banks customer service is a total mess as it wasted me a total of 38 hours last year alone trying to deal with its customer service department where most basic questions cant even be answered. One agent even submitted the wrong dispute a charge request. They misled me on issues including rewards and account securities. Having reported these concerns to Bank of America customer care, they even refused to transfer my call to a supervisor.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXXXXXX Balance : {$560.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX  Inquired on XX/XX/2023 XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$540.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX
Consumer complaint received 2024-08-15
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America continued to disable my functions to dispute transactions on the app or on their web portals. Their customer service agents kept telling me that I can dispute the transactions online but such functions were disabled
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/XXXX  I received an email saying that I was approved and will attain a product change to the Chase Unlimited card. This was done without my knowledge since the product change was never confirmed with me as the purchaser of a Freedom card. 
After receiving the email, I called Chase at XXXX and spoke with XXXX XXXX. He told me there was no " Opt Out '' and no " Opt Back In '' for the product I originally purchased and approved for from Chase. I was told that these changes were done in batches. However, I was never notified what batch I was in and no proactive measures were taken with to see how this change would affect my finances. This is my oldest credit account and will severely affect my credit history given the product change. I expressed during my phone call that I did not apply for the Unlimited card and I have no interest in changing my product. 
This is not an upgrade as the email I attached states, this is a downgrade. The false narrative that I am a better product is scary due to the lack of data and information to back up the claim of an " upgrade. ''
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

When they opened up my Credit card with Bank of America XXXX their branch employee lied to me about the promotional offer about minimum spending to get extra cashback. They even misled me on the details of earning the 3 % cash reward. 

Having complained to Bank of America many times, they did not address these issues
Consumer complaint received 2015-07-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (FL)

This complaint is in regards to a joint checking account with Santander Bank ; my son & I opened the account approximately 10 years ago. My son XXXX is the primary user of the account. Over the 10 years he has never bounced a check. XX/XX/2015 he made a mistake and the account became over-drafted ( he did n't realize ) a few days later he received an automated deposit in which made the account positive again. He then paid his rent and other bills with out knowing he had been charged several over draft fees. This resulted in the account again becoming over drafted. Apparently he was allowed to continue to use his ATM debit account due to the fact the account has over-draft protection. The account went several days into over draft before he realized the entire situation. Once I called the bank & spoke with the branch manager they had charged the account {$40.00} per day with a total of {$750.00}. The manager after checking with her regional supervisor agreed to refund {$100.00}. My complaint is as follows : myself nor my son where given written or verbal notice of the over draft of the account or fees being charged. 
1 ) The fees are excessive in nature! 
2 ) The overdraft protection should n't allow the consumer continue to engage in charges to the account when over-drafted after a certain amount of usage. 
3 ) The bank has misused overdraft protection allowing the bank to charge the consumer absorbent fees without notice. 
4 ) The fees charged to the account and action taken by the bank is egregious towards consumers.
Consumer complaint received 2024-09-05
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. (CA)

I recently discovered several accounts on my credit report that I do not recognize, which suggests potential identity theft. I believe my personal information has been used without my consent. The fraudulent accounts include : XXXX XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Total fraudulent amount : {$400.00} XXXX XXXX  Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Total fraudulent amount : {$330.00} XXXX XXXX XXXX XXXX fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Total fraudulent amount : {$31000.00} Despite my efforts to secure my information, these fraudulent charges have caused significant damage to my credit standing. I am seeking assistance in removing these fraudulent accounts from my credit history and preventing further misuse of my personal information.
Consumer complaint received 2024-09-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (MO)

Date : XX/XX/year> Subject : Request for Debt Validation To Whom It May Concern, I hope this message finds you well. I am writing to formally request validation of a debt that your company has reported and is attempting to collect. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request documentation to verify the legitimacy of this debt. 

Details of the Debt : Date of Origination : XX/XX/year> Amount Claimed : {$190.00} Actions Taken by Your Company : Reporting this debt to credit agencies without prior notification or communication with me. 
To proceed, I kindly ask that you provide the following information : Verification of the debt, including the original amount owed and any additional fees or interest applied.

Proof of ownership of the debt by your company, as well as any documents showing the assignment of the debt to your agency. 

Records of any communications your company has sent to me regarding this debt. 

I expect to receive this information within the timeframe specified by law. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (GA)

My account has been restricted for three weeks. I called Robinhood, and they keep transferring me to different representatives, only for them to say, " Sorry, no one is available. '' I chatted with their support team, but they asked me to send an email. I have been emailing them, but they only reply automatically, saying they are working on my case. I use this money to support my family, and now I'm struggling. No one is able to explain what is going on. This is my last option before going to court
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 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 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I recently reviewed my credit report and noticed there were fraudulent accounts open along with multiple addresses i have never lived in, inquiries and names listed on my credit report. I have filed a FTC report # XXXX and I will attach it along with proof of my address and this address that should be only address on file. I have NOT lived at the other address or have any knowledge of those accounts. And inaccurate names being listed on my credit report. I have the right to have my consumer credit report complete and accurate. 

I have listed the accounts that are not mine on the FTC report. I will also put them below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both XXXX U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining.

"