davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My XXXX IRS refund was sent to Bank of America on XXXX XXXX. When my bank account didnt show the deposit that the IRS confirmed I checked my routing number and account number on my 1040 tax forms. I then realized that Id made a mistake and added an extra digit to the last XXXX of my account number. I immediately called my bank and explained my issue. They stated that when they receive an incorrect account number that doesnt match the name on the account the funds are IMMEDIATELY sent back. I then went into a branch for assistance and was told the same exact thing. At no point was an investigation offered to assist with the location of the deposit. I then called the IRS and inquired if the funds were sent back to them so that they then could issue a paper check of my refund. As of today XX/XX/XXXX the IRS has confirmed that Bank Of America has NOT sent back the funds. I am now waiting on the results of an IRS trace of my funds which could take up to XXXX months.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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.

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 2023-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (TX)

I have received a bill and attempted to reach Edfinancial via phone on XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23 and after waiting for longer than XXXX hour each time to be disconnected from the call queue. I have sent a " contact us '' message via the portal on XX/XX/23 and have not received any response. I have also uploaded court documents into the web portal as this debt was XXXX in bankruptcy and still no response and the online portal indicates the debt is past due. It is very difficult to reach someone at XXXX by any means.
Consumer complaint received 2024-01-11
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I received a {$3000.00} XXXX Gift Card from my employer in XXXX. I activated the card about 10 days later successfully by phone. I did not check the balance at that time or attempt to use it. I kept it in my wallet continuously after that. 

I attempted to use the card for the first time XX/XX/ ( {$1500.00} online purchase ), but it was declined. I attempted to check the card balance on the company website but got an error message. I immediately called the company ( Incomm, which handles cards from XXXX ). Incomm said the card was " on hold '' but refused to tell me why. I provided my personal identifying information. They gave me a case # and told me to email proof of purchase, which I did on XXXX XXXX XXXX They could not tell me how long it would be to investigate or release funds. I called a second time because the first person seemed almost like a fraudster, he was so incompetent. The second person I spoke with told me the same information. I did not receive an email confirmation of receipt. 

On XX/XX/XXXX, I called the company again to confirm receipt. They could not tell me if it was received. This time they told me to email also a copy of the front and back of the gift card. They were unable to tell me the nature of the card problem, but this time used the phrase " fraud hold ''. He could not tell me if the card had been used by anyone. I emailed the required information on XX/XX/ but still have not get a confirmation of receipt. 

I don't know what to do to obtain the {$3000.00}. 

The customer service telephone # is handled by people in another country who respond to any question with a robotic and evasive script, so they can not answer meaningfully to any question about what is going on.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX 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 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP (WA)

XXXX XXXX XXXX XXXX XXXX is sharing my nonpublic personal information with non affiliated third parties XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX does not have my consent to have and share my private personal information. Then the information they are reporting is inaccurate and false. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.
Consumer complaint received 2024-01-11
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. (NY)

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.

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 2024-01-11
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)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-05-02
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. (NY)

I see multiple inquires that I did not do on my credit report. I contacted XXXX, XXXX and Transunion to remove them. They all advised I should file a report with the CFPB in order to get these issues fixed on my credit report.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 account listed without my expressed written consent. 

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.
Consumer complaint received 2024-01-11
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. (MD)

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.

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 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I received my credit report and notice that the XXXX XXXX acct is reporting as closed with XXXX amt and then status as chargeoff. This is incorrect. Credit agency are not allowed to report information on my report without my authorization. Therefore i would like this acct deleted.
Consumer complaint received 2023-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Uetsa Tsakits, Inc. d/b/a MaxLend (TN)

XXXX is trying to collect a debt for MaxLend. I disputed the debt with XXXX and asked them to send proof of the loan. They sent me documentation which says I applied for a {$1300.00} emergency loan on XX/XX/2022 with a final maturity date of XX/XX/2022. The APR is 635.74 %. Payments of {$340.00} were to be paid every two weeks. The documents indicate I applied electronically, Esigned, and agreed to electronic communication via text messages. I never applied for a loan with this company and I never received any text messages from this company.The documents have my correct social security number and home address. However, the documents indicate the funds were wired to a bank with a routing number and account number different than mine.
Consumer complaint received 2018-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Marlette Funding, LLC (FL)

I checked my credit report, noticed two inquiries from XXXX XXXX, XXXX and XXXX that I'm unsure of where they originated. I have not applied for any new accounts because of my open bankruptcy yet inquiries from different courses keep popping up. I have added fraud alerts to all of my credit files with each credit bureau.
Consumer complaint received 2024-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

PERSONAL NOTE Dear consumer reporting agencies my name is XXXX XXXX Iam an upstanding citizen of U.S.A., Iam being held back from getting a higher paying job and an apartment where I desire to due to false information on my credit report I noticed today XX/XX/XXXX I ask please to investigate and remove false items reporting on my credit. thank you Have a Good day. 
Account information below ACCOUNT NAME : CAPITAL ONE Balance {$4700.00} The current amount owed on the account. 
Balance updated XX/XX/XXXX Date the creditor last reported information about the account balance. 
Credit limit In open-end credit, the maximum amount a borrower can draw upon or the maximum that an account can show as outstanding. 
{$4000.00} Account info capital one credit card Account number : XXXX Open/closed Date opened Indicates the date an account was opened. 
XX/XX/XXXX Account type Status Account charged off. {$4700.00} written off. {$4700.00} past due as of XX/XX/XXXX. 
Status updated Date the creditor last reported information about the account payment status. 
XX/XX/XXXX Past due amount The balance currently reported as past-due by the company holding the account. 
{$4700.00} Highest balance The highest amount that you have owed on an account to date. 
{$4700.00} Monthly payment Last payment date XX/XX/XXXX Company Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX INVESTIGATE THIS ACCOUNT ABOVE AND REMOVE OR DELETE ACCOUNT 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) THESE TWO LAWS SIMPLY STATE THAT ALL ITEMS ON YOUR CREDIT REPORT MUST BE XXXX ACCURATE AND IF AN INVESTIGATION IS DONE AND COMPANY CAN NOT PROVE AN ITEM ON YOUR REPORT IS ACCURATE IT MUST BE REMOVED THANK YOU
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Title : Misleading Advertising and Unauthorized Transaction with XXXX XXXX XXXX by XXXX XXXX  Complaint : I applied for the XXXX XXXX XXXX offered by XXXX XXXX  after XXXX advertised it as a way to make purchases immediately with installment options. However, this was misleading. When I tried to use the card after depositing {$200.00}, I was unable to complete my purchase because I was asked for a security code that could only be obtained after receiving the physical card by mailsomething that takes up to 15 days. 

I specifically chose this card based on XXXX claims that I could make purchases right away. This was clearly not true. I reached out to both XXXX XXXX and XXXX for clarification : XXXX XXXX  claimed I needed to wait for the physical card for the code. 
XXXX stated XXXX XXXX  should provide the code immediately. 
This back-and-forth left me unable to use the card for its advertised purpose. 

Key Issues : Misleading Advertising : XXXX promoted the XXXX XXXX as immediately usable, but this was not the case. 
Unauthorized Transactions : Even though I was unable to complete any purchase, XXXX XXXX  somehow processed a {$15.00} XXXX XXXX charge on the account without my consent or authorization. 
Unjustified Credit Reporting : Despite not using the card and attempting to cancel it, XXXX XXXX  reported delinquent payments on my credit report, which caused significant damage to my credit score. 
Resolution Demanded : Immediate removal of negative marks from my credit report by XXXX XXXX. 
Cancellation of any unauthorized charges. 
Compensation for damages caused to my credit score and financial standing due to these issues. 
The entire process has been misleading, frustrating, and harmful. I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), credit bureaus, and other relevant agencies if XXXX XXXX  does not resolve this issue promptly. 
I ntoiced in my credit report the wrong report by XXXX XXXX  on XX/XX/year>
Consumer complaint received 2024-01-12
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)

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. 

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 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XX/XX/XXXX CC XXXX CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX. XXXX fraudulent account XXXX XXXX XXXX. XXXX FRAUDULENT ACCOUNT Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX XXXX
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

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