davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been a customer of Bank of America for almost 20 years. Today they closed all my business bank accounts checking and savings, personal bank accounts checking and savings, and all credit cards. I was not sent any warning or notification. I found out when I tried to use my card and then called into the bank. They only said the accounts are closed. I went into the bank in person and same result. They only said the accounts are closed, no other information about why or what the shut down procedure is. What about our HELOC. This is outrageous treatment of a law abiding customer.
Consumer complaint received 2024-05-17
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)

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 2024-08-16
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Number : XXXXXXXX XXXX XXXX XXXX -BALANCE {$610.00} -Date Opened XX/XX/XXXX Account Number : XXXX XXXX XXXXXXXX - BALANCE $ XXXX Opened XX/XX/XXXX Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-06-26
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)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

As you can see from the supporting documentation, TransUnion 's website is showing both : * NO open disputes * Can not file new dispute due to open dispute????????? 

This is clearly nonsensical, as these two things can not occur at the same time, and it is precluding me from filing a dispute about verifiably inaccurate car loan payment history on my XXXX auto loan account. I need to provide bank statements that show I made the payment on time, as well as upload my XX/XX/XXXX & XX/XX/XXXX credit reports showing that curiously, that account had been being reported as perfect payments until I exercised my rights and disputed incorrect items on my report. This is retaliatory and the evidence leaves no doubt. 
TransUnion is retaliating against me for filing a complaint and confirming their own FCRA violations. These actions have a direct deterrent impact on my ability to continue correcting their errors, and it's being done intentionally. I have made innumerable recorded calls to TransUnion getting transferred around, and repeatedly told it's MY TECHNICAL SKILLS that is causing this problem, further enhancing the duress inflicted upon me
Consumer complaint received 2024-06-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WESTERN ALLIANCE BANCORPORATION (MD)

Had an account with WA through XXXX  and all my money is currently missing. Customer service refuses to help. This is an extreme issue and XXXX  should not be allowed to continue to steal money from consumers in such an illegal manner. 

XXXX only allows one external bank account, and mine was closed. They would not allow me to switch it, and wanted secure info over insecure ways. I asked them to close the account and mail my check. They closed my account and told me they dont mail checks and it will be sent to my bank account. This is after I told them my linked bank account does not exist. Now {$500.00} is missing and they will not answer me. This is extremely unacceptable and downright theft.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2019-06-20
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: General Motors Financial Company, Inc. (MI)

I recently paid off my debt with GM financial and have a balance of XXXX which are the remaining balance of the late charges. I have let this company know I lost my job and have no income. At this time ans over and over again as well as getting repeated calls this is going against my credit. I can not get a release of the title or negotiate for less on the inflated finance charge. I have been told if this balance is not paid by XX/XX/XXXX it will be charged off and I still will not have the title to my car. The calls are repeated each day over and over,
Consumer complaint received 2024-08-16
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. (GA)

There seems to be some unauthorized hard enquiry on my Transunion credit report with the name of XXXX  XXXX XXXX on XX/XX/year>. It looks like someone is trying to apply for credit cards using my SSN, name etc without my consent, knowledge and permission
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX XXXX A charge for {$1300.00} was made fraudulently by somebody. I submitted a claim, they reimbursed me and change the account number. Clearly something happened where my information was compromised. Now theyre saying that I am going to have to pay for this. They will not give me any information other than it was a XXXX soccer game in XXXX XXXX. I was not in XXXX XXXX. I did not make this charge. I live in XXXX XXXX and theyre saying that this is going to take place in XXXX days and theres nothing they can do and will not provide any information. The reference number is XXXX.
Consumer complaint received 2024-06-13
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)

After reviewing my credit profile, I notice several fraudulent items on my report per 15 U.S 1681B-Permissible Purpose of Consumers Report, I have listed all items on my FTC Report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-05
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. (FL)

Subject : Request to Enforce Financing Transaction under HJR 192 and Relevant Legal Provisions To Whom It May Concern at XXXX XXXX, I recently received notification regarding the denial of my credit application for the financing of a XXXX XXXX XXXX. This letter serves to formally request the enforcement of the financing transaction based on the following legal grounds : 1. HJR 192 ( 1933 ) : Under this resolution, all debts and obligations are payable in legal tender of the United States. This provides individuals the right to discharge debt obligations with lawful money, thereby prohibiting the compulsion to pay in any specific form of currency. 
2. Uniform Commercial Code ( UCC ) : Specifically, UCC 1-207 and UCC 1-308 allow individuals to reserve their rights when performing under a contract without prejudice to those rights. By using my Social Security Number ( SSN ) in the credit application, the transaction involves a non-negotiable instrument, which compels XXXXXXXX XXXX to recognize and process the transaction under these terms. 
3. Code of Federal Regulations ( CFR ) 12 CFR 226.13 ( Regulation Z ) : This regulation outlines procedures for resolving disputes related to credit transactions, providing consumers with protections against erroneous credit decisions. 
4. Non-Discrimination : Basing the financing decision solely on my credit report constitutes discrimination. Under federal law, specifically the Equal Credit Opportunity Act ( ECOA ), I have the right to be evaluated on factors beyond just the credit report, especially when negative items are present. 

As such, I assert my right to have this financing transaction processed and approved. I reserve all rights and remedies available to me under the UCC and CFR. Furthermore, I demand the transaction be reconsidered in light of my rights under HJR 192 and the recognition of my SSN as part of a non-negotiable instrument. 

Attached Documentation : 1. Images of the denial letters indicating the credit scores and reasons for the decision. 

Please inform me of the necessary steps to proceed with the approval of this financing transaction. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2024-08-16
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. (MI)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-04-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: ZIONS BANCORPORATION (CA)

On XXXX XXXX XXXX, California Bank & Trust starting asking for a inordinate amount of monthly information for the 3 loans I had with them. 
My father had passed away and my mother was in such bad health, I was not able to provide this information on a monthly basis but always made sure all payments were made on time and continued communications with the bank on why I couldn't provide monthly statements. 
This was not enough for them and they threw me into collections. 
Promptly, I told them I would payoff the loans ; which I did. 
The problem was they were intent on over billing me for {$12000.00} on appraisal fees. 
I asked them to show me the actual appraisal reports as I knew they didn't have them and they declined and just told me I couldn't close without them and continued too add legal fees and interest the longer it went on. 
This was highly inappropriate as I had paid just 10 months earlier for a extensive appraisal of all 4 properties for tax purposes for only {$3800.00} And they literally charged me {$3400.00} for asking questions!, The loan officer would direct me to a lawyer who charges you per conversation, which I did not know till I got the bill. 
They had no right to call for a appraisal on a simple payoff or charge me for information. 
Please help, Thank you.
Consumer complaint received 2024-08-16
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-16
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. (FL)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Per previous complaint XXXX. Which was resolved, with conditions of XXXX Completing tasks to finalize my servicing needs. XXXX XXXX has not upheld their original promise of removing the late reporting for XX/XX/2017 and XX/XX/2017. These 2 months still show as delinquent. XXXX financial should have removed these items given XXXX XXXX was going through a chaotic system update which hindered my payments from being processed correctly. This is a violation of the fair debt collection act as creditors are supposed to allocate to principal a d interest before any late fees, XXXX XXXX applied my payment to late fees and left my principal and interest still showing due. At the time I received a payoff {$250.00} excluding late fees in which I paid XXXX and again XXXX XXXX violated the FDCA by applying that payment to late fees only. This needs to be rectified, as these erroneous late reporting  have caused difficulties in obtaining new credit.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I have tried to get bank accounts, and or a new car from places like drive time, XXXX, XXXX, or even apply for loans. However when I do this, these creditors are unable to pull my original report. I am subject to domestic abuse from higher up family members, who liquidated my assets and credit cards, profile and ssn number, all against my will. I was subjected to guilt, shame, and incorrect statements about my financial status, discrimination on how I personally lived my life. They threatened me to comply else they would choose if I lived or died. They are rich family members, and Im requesting the credit companies to remove old accounts, re-establish a healthy credit score, place my negative credit accounts on delete, and give me a second chance. I will be suing my family for defamation, choice abuse, and environmental violations/controls for my credit history and profile issues Ive received . I also want a fresh start on my XXXX XXXX.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Hello I have 4 late payments marked on my credit report. Those ( 4 ) missing payment were under investigation for over a year. 

On XXXX i made a payment using my banks XXXX XXXX service for the amount of {$1000.00} to the correct po box . To my Bjs credit card to pay it of. I found out they never received the payment. I disputed with them because the money came out of my account. It went under investigation for 3 months after that. Another bank took over of the credit card ( capital one ) still was no answer on the investigation. I received a late payment notice so I called capital one and explained situation they open a new investigation that took another 3-4 months with no answer where my payment went to I started looking on my own and months after I found out that the payment was received by a third party Bank  ( XXXX XXXX XXXX  ) and they stamped my banks check to a different account that didn't belong to me. 

It Took a year and a month for them to accept it was their fault and for me to recovered my {$1000.00}, as soonest I got the money back I called capital one to gave them their money and they already decided to charged me late fees and interests ( even thought I explained the situation ) I agree to them to payed off the debt + interests but they never mentioned that they reported to my credit. 

I found out about this late payments when I requested for a loan. 

Im trying to purchase of a house and Im requesting for this late payments get removed out of my credit since it wasnt my fault. 

I have a email letter from my bank I can provide as proof of the investigation that Im not guilty of this error Thank you
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to inform you that my credit report with your bureau appears to have been compromised. Upon reviewing my records, I have noticed numerous entries that do not belong to me. After conducting thorough research, I found that under Section 605b of the Fair Credit Reporting Act ( FCRA ), the Credit Bureaus are required by law to remove any items that are found to be a result of identity theft. The disputed items on my credit report do not belong to me and were fraudulently opened. I have enclosed the required Federal Trade Commission ( FTC ) Identity Theft Report, along with relevant bank records supporting my claim. I request that you could help me promptly remove these fraudulent entries from my credit report. My research indicates that the Credit Bureaus are required to verify with 100 % accuracy that each item is true, accurate, correct, complete, and verifiable. If they are unable to provide these records and claim that the items are verified, please be aware that I will seek legal action to protect my rights. Please understand that I take this matter very seriously, as does my attorney. Therefore, I expect full compliance with the law to resolve this matter swiftly and satisfactorily. The following items should be remove as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-13
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. (AZ)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX/XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.