davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
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: CAPITAL ONE FINANCIAL CORPORATION (OR)

re ; Capital 1 case # XXXX. I was set up with auto pay to pay XXXX XXXX XXXX  phone charges. I switched to XXXX on XXXX. XXXX. I called XXXX XXXX XXXX cust.svc on XXXX to Cancel svc. I was informed by the rep that my svc was automatically cancelled when I pulled my phone # to another carrier. I called Capital 1 on XX/XX/23 to dispute the charge made by XXXX XXXX XXXX and that Capital 1 was trying to collect on. I received a response dated XX/XX/23 that XXXX XXXX XXXX asserted I had NOT cancelled my service and that my dispute was denied. I again called Cap1 on XX/XX/23 to dispute XXXX XXXX XXXX 's claim that I hadn't cancelled and requested proof of XXXX XXXX XXXX 's claim. A letter dated XX/XX/23 sent copies of XXXX XXXX XXXX 's documentation that was to substantiate their claim that was COMPLETELY unreadable and proved nothing. On XX/XX/23 I sent an email to Cap1 with my substantiation for my dispute. There was no response from Cap1 other than continued billings. Finally on XX/XX/23 I AGAIN called Cap1 and was told that there IS NO email available to send documentation to the dispute team. Instead I needed to send docs via a link they provided. I complied and reiterated the need to send me proof of XXXX XXXX XXXX 's claim. I received a response denying my dispute and AGAIN not providing me proof!
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX and 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.
Consumer complaint received 2024-06-21
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to bring to your immediate attention a concerning discrepancy related to my recent claims. I have noticed inconsistencies in the documentation and processing of my claims, and I seek your urgent assistance in resolving this matter. 

On XX/XX/year>, I filed a claim associated with my account ending in XXXX under claim number XXXX. Subsequently, on XX/XX/year>, I filed another claim for the same amount under the same claim number but associated with a different account ending in XXXX. This situation has raised significant concerns regarding the accuracy and integrity of the claim processing at Bank of America. 

The specific details are as follows : - Claim Number : XXXX - Original Account : Ending in ( Filed on XX/XX/year> ) - Discrepant Account : Ending in XXXX ( Filed on XX/XX/year> ) These discrepancies need to be addressed and clarified as a matter of urgency. I request that Bank of America provide a detailed explanation for this error, along with corrective actions to rectify any potential impact on my accounts and claims. 

To facilitate the resolution of this issue, please : XXXX. Provide a detailed account history and documentation for both claims. 
XXXX. Clarify the reasons for the discrepancy in the account numbers. 
XXXX. Ensure that any administrative errors are corrected promptly. 
XXXX. Confirm that my claims are being processed accurately and transparently. 

I trust that Bank of America will take this matter seriously and respond promptly with a resolution. Please contact should you require any further information or documentation from my end. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2024-06-19
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. (NV)

I am writing to express my profound concern and disappointment regarding the handling of this attempt to remove fraudulent items. Despite previous efforts to rectify this issue, I am troubled by the persistent presence of fraudulent items. These recurring problems not only undermine the credibility of the process but also raise serious concerns about the effectiveness of the measures in place to prevent such occurrences. In conclusion, I trust that you will give due consideration to this matter and take decisive action to rectify the shortcomings observed during this attempt to remove fraudulent items. Failure to address these issues promptly compromises the integrity of the process and undermines the trust. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXI XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-06-19
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. (TX)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the following account from my file. 
XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Have identified identity fraud. Accounts open in DEAD FATHER name, ssn. Same Name as DEAD FATHER. I have identity fraud in XXXX. XXXX, XXXX, XXXX. NEED ACCOUNTS REMOVED FROM XXXX ALSO.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to provide an update on my ongoing efforts to remove fraudulent items from my credit report. Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to address this matter. I have diligently pursued the removal of fraudulent items from my credit report. I have submitted disputes, provided extensive documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, to my dismay, the fraudulent items remain on my credit report, negatively impacting my creditworthiness and financial standing. 
These persistent inaccuracies have caused significant stress and hardship. It is crucial that these issues are promptly addressed to ensure the fair and accurate reporting of my credit history. Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. 
Restoring confidence in the accuracy and reliability of information reported on credit reports is essential. With this, I am asking for your assistance to remove the fraudulent items : XXXX  XXXX XXXX XXXXXXXX Balance : - XXXX BANK XXXX Balance : {$2200.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} Equifax : XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX, DE XXXX XXXX XXXX XXXX XXX Balance : {$680.00} BANK OF XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX.
Consumer complaint received 2024-06-19
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. (TX)

Despite my earlier correspondence, it appears that the issue has not yet been resolved. The presence of these late open accounts on my credit report is causing significant distress and negatively impacting my financial standing. It is crucial that we take immediate action to rectify this situation and ensure the accuracy and integrity of my credit report. As mandated by the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to disputes regarding the accuracy of information on credit reports. Your prompt attention to this matter is necessary to comply with these legal obligations. I kindly request that you escalate this issue and take all necessary steps to correct the late open accounts in my credit file. 
Transparent communication regarding the progress made and the actions being taken to address this issue would be greatly appreciated. With this, I am asking for your assistance to correct the accounts : XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXXXXXX Balance : {$49000.00}.
Consumer complaint received 2024-06-20
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been in dispute for over 3 years. I had sent in to Bank of America a police report and a list of transactions that were not mine. I spoke with XXXX a supervisor in the pre paid claims department in Oklahoma as well as XXXX XXXX. XXXX requested on my behalf that all debits from my account be sent to be. Today I received XXXX pages of those debits and looking them over my account was debited twice for many of the transactions. Some are on different days same place same amount. Some are on the same day different times same amount. This goes on for all XXXX pages. This is another issue. I phoned prepaid and I was told what I was sent and looking at is wrong?? It came directly to me in an email from : XXXX XXXX to : '' XXXX '' XXXX date : XX/XX/year>, XXXX subject : Bank of America Prepaid Card Statement Request mailed-by : prepaidcard.bankofamerica.com signed-by : prepaidcard.bankofamerica.com security : Standard encryption ( TLS ) Learn more So when I phoned today to go over this I spoke to a very rude person who fold me that what I was sent was wrong. and that she didn't have time to go over everything with me and I can be assured that the bank only charged my debit once. Well that is not what my paperwork sent to me shows. It shows double debits. and that is what I have to go on.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have provided all four pieces of information and expect these listed accounts to be deleted and blocked within four business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within 4 business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.
Consumer complaint received 2024-06-19
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. (MA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hello everyone, My name is XXXX XXXX XXXX and Ive been a Bank of America XXXX since 2018, I have experienced bad service at my branch location at XXXX XXXX XXXX on several occasions but have ignored it, Ive had reasons to take a cab to a different location just so my banking needs will be met professionally, the XXXX XXXX XXXX branch at XXXX XXXX seems to be cursed as it has consistently produced high school leavers and highly unprofessional staff, Today, I began my day by going to XXXX XXXXXXXX to cash my pay check and I strolled back to my bank at XXXX XXXX XXXX XXXX XXXX to deposit same money which I had intended to pay my rent with, I walked into the bank and proceeded to use one of the available and functional ATM machines with the ID number XXXX, I pulled out the money I had cashed at XXXX  XXXX, I carefully stacked the money and dropped it at the machine, I had a XXXX dollar note returned which I carefully placed back for it to be counted towards my credit, at that instant, the ATM machine froze both with my money and my ATM card ending in XXXX, I stood in shock knowing how much I wanted this money to pay for my rent, I called on the security guy behind me, a very nice young man who told me to let the bank know what had happened and immediately I saw a staff suited up walking out of the bank, I made hand gestures that I had money stuck in the machine, he shrugged it off and just told me to call the number on the ATM, I went into the bank and spoke to a staff working the front desk by the name XXXX, he lacked empathy, he cared less of my concerns as I wanted to speak with a branch XXXX to help me escalate my issue to get credit, he insisted I call a number he was even gon na write for me, I wondered for a minute if I mattered to Bank of America as a customer or some guy or if it has to do with the XXXX of my skin, I wound up calling the number on the ATM without the help of my branch where my trouble began, I was put on hold for about XXXX minutes and mind you, I was on a work time schedule and the last I heard was that it will take XXXX business days for me to get money that literally was in my hands and that just got stuck in your atm, To cut this story short, I am not interested in the corporate inefficiency and mediocrity associated with your bank but I know I have protected rights as a customer and I will not suffer this inefficiency for your organization to continue to open branches with high school leavers and emotionally disconnected people working for you, I will wait out this evening and tomorrow and the next time I will discuss this will be in court. 

Thank you so much and here is a picture of the ATM XXXX
Consumer complaint received 2024-06-20
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

XX/XX/year> : I purchased a XXXX XXXX from XXXX and used Citizens Pay for the payment method of {$3100.00}. 

XX/XX/year> : Auto Paid my first payment to Citizens Pay for {$95.00} on the due date. 

XX/XX/year> : I received an interest charge on my account for {$13.00} on my purchase. 

XX/XX/year> : I returned my XXXX to XXXX, and they refunded my Citizens Pay account for {$3100.00}, it showed it in my Citizens Pay activity timeline. 

XX/XX/XXXX - XX/XX/year> : I had used Citizens Pay live chat multiple times as my account wasn't closed, I wasn't refunded my payment from XX/XX/XXXX, and I had Autopay enabled and couldn't turn it off. I was assured I would not get charged, and I would get a check in the mail. 

XX/XX/year> : I received a direct deposit from Citizens for {$82.00} ( my payment, minus the interest ). 

At this point, I had assumed everything was done. 

XX/XX/year> : Received an email from Citizens Pay saying I have a balance due, when I logged into my account, these are the new items that were not in my timeline : XX/XX/year> : Late fee of {$8.00} ( even though I Auto Paid on the due date, and that wasn't on my activity feed prior to XX/XX/XXXX ). 
XX/XX/year> : XXXX XXXX of XXXX ( wasn't on my feed prior to XX/XX/XXXX ). 
XX/XX/year> : Payment of {$82.00} ( this the refund ; however, I have the bank account statement to prove it wasn't paid until a month later than that, this didn't show up until after XX/XX/XXXX ). 
XX/XX/year> : Late fee of {$8.00} ( this would be nearly a month after the return of the XXXX, and XXXX days after I received a refund on my account ). 
XX/XX/year> : Interest charge of XXXX ( once again, after all returns, refunds, etc. had been squared away. 

Where I sit now is the following : - Citzens owes me {$13.00} for the interest. 
- XXXX needs to drop the {$16.00} balance of fake late fees and Finance Charges. 
- XXXX needs to close my account, since the transaction ended in XXXX. 

I reached out again today to Citizens, spoke on their Live Chat, the rep, XXXX 's exact words were : " Please call in at XXXX and ask for a supervisor I will notate the account for my supervisor to know, Sorry about this situation, they can square away the situation much more then I can, If I were to rebate and add a refund you will probably wait the same amount of time, Please call in thats the fastest way to do this, I will document the account '' I called that number, and it's for a different product, and they gave me the number of the Citizens Pay. After I spoke with them, they said they submitted a XXXX XXXX ( yet couldn't provide a date of resolution, estimation, or even a Ticket/Reference Number ). 

I am in the process of buying a house and now a line of credit shows two late payments, this has been extremely frustrating, and absolutely shows you should not trust Citizens technology.
Consumer complaint received 2024-06-19
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)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-19
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. (CT)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$22000.00}
Consumer complaint received 2024-06-20
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

I received an alert from XXXX that there was a hard inquiry on my credit report requested by Bank of America for an auto loan. I have not applied for any loan and someone else is using my identification and information.
Consumer complaint received 2024-08-14
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. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-06-19
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. (NJ)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-14
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 recently reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit and it is my understanding you will investigates these items for me to ensure accuracy. 

Here is the account I am asking you to verify : XXXX : XXXX