davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was contacted from a BOA XXXX number and the so called BOA representative stated they noticed suspicious activity on my account and that my debit card would have to be stopped and a new one mailed to me and also that I would need a new bank account and routing and that my funds would have to be moved to the new account but that they first need my authorization so she then proceeded to go over 5 transactions with me which checked out to all be made by me in which she then sent me a verification code on my phone which had a Bank of America logo in which I then clicked yes and before you know it later on that evening when I checked my account it had been overdrawn I then immediately contacted the BOA fraud department that same evening in which they then claimed it wasnt them who called me and that I had been scammed. Then I filed a case in which they then told me they may not be able to recover my money but that they would need 30-45 business days to investigate. After this I then went to their financial center to log a complaint and also filed a complaint with the FBI IC3 in which an fbi agent got back to me demanding for the acct and routing of the place The money went to. I called my bank and once again they stated I had to go into financial center to get this info and I went today and was able to obtain the info which I then emailed to the IC3 fbi agent As of now my bank as yet to offer me any type of temporary credit for this scam even though they have all the evidence in the world now that I had been a scammed. I mean we are talking about XXXX here. I have been with BOA since 2007 and its jsut kinda sad that they arent really trying to help me. 
Also I have a feeling that this was an inside job from one of their workers
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, 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: CORELOGIC INC (NJ)

When my lender tries to pull my credit report it's not showing up because of a technical error or some error. I called XXXX and corelogic and they said there's no freeze on my report. This error is causing me not to be able to get my home loan and needs to be fixed asap. 

XXXX XXXX  has tried to pull my XXXX report numerous times and is unable to. They do not have a problem pulling it from XXXX and XXXX.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm writing to challenge the bankruptcy listed on my credit report. I have a letter from the court stating that this bankruptcy should not be reported. Also, the involvement of an unauthorized third party makes this situation even more ridiculous and worrying.
Consumer complaint received 2024-05-18
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. (AL)

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 informationisinaccurate.
Consumer complaint received 2024-05-18
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 2024-05-18
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. 

These Accounts include, ( XXXX XXXX partial account number # XXXX... 
balance of {$910.00}. 
Address ID : XXXX XXXX XXXX XXXX XXXX Partial account number # XXXX Balance of {$200.00} accrued during incarceration. Paid off. Want removed. 

XXXX XXXX XXXX Partial Account Number # XXXX .... 
Balance of {$1900.00} Written Off. Balance Accumulated during incarceration. Being incarcerated led to late payments and closure. 

XXXX XXXXXXXX XXXX Partial Account Number # XXXX .... 
This account is scheduled to continue until the year XXXX. Listed as closed and never late payment although there is a balance of {$2200.00} Would like for all or some above to be removed to better ensure the privacy of my information and credit ) which has has violated my rights. 

15 U.S.C. 1681 Section 502 A mentions 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 an account without my written instructions.

15 U.S.C 1681c ( A ) ( 5 ) Section mentions no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse items of information, other than records of convictions of crimes which antedates the report by seven years or more.

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

My criminal report started with the legal system wrongly framing me for a charge I did not commit in the county of XXXX XXXX XXXX XXXX which put me in the system where I later was in fact in trouble due to living situations after first initial charge. I will attach the hard inquires that have impacted my privacy and Credit as well that I would like condensed to one inquiry or removed as a whole.
Consumer complaint received 2024-05-18
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. (TN)

To whom it may concern : 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 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, ACCOUNT NAME : XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXXXXXX ACCT # XXXX
Consumer complaint received 2023-08-05
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: EQUIFAX, INC. (CA)

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, 3 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 Balance : {$17000.00} ; XXXX XXXX  XXXX XXXX Balance : {$53000.00}.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (SC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-05-20
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)

**Consumer Financial Protection Bureau** **Subject : Dispute of Unauthorized Account on Credit Report** Dear Sir/Madam, I am writing to formally dispute the presence of an account listed on my credit reports with TransUnion, XXXX, and XXXX XXXX The account in question is identified as **XXXX XXXX XXXX**, and it is a revolving credit card account with a derogatory status. 

# # # Disputed Account Details : - **Account Number** : XXXX - **Account Type** : Revolving ( Credit Card ) - **Bureau Code** : Individual - **Account Status** : Derogatory - **Monthly Payment** : {$0.00} - **Date Opened** : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) - **Balance** : {$21000.00} - **High Credit** : {$21000.00} ( TransUnion ), {$20000.00} ( XXXX ) - **Credit Limit** : {$20000.00} ( TransUnion ) - **Past Due** : {$21000.00} - **Payment Status** : Collection/Chargeoff - **Last Reported** : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) - **Date Last Active** : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) - **Date of Last Payment** : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) # # # Discrepancies and Reasons for Dispute : 1. **Ownership Dispute** : I have never opened, authorized, or had any association with this account listed under my name.

2. **Unauthorized Usage** : This account does not belong to me, and I have not made any payments toward it.

3. **Violation of Fair Credit Reporting Act ( FCRA ) ** : The inclusion of this unauthorized account on my credit report violates the FCRA , particularly Section 611, which ensures the accuracy of information reported by credit bureaus.

# # # Requested Actions : 1. **Investigation and Removal** : I request an immediate investigation into the origin of this account and its erroneous association with my credit report. Additionally, I demand the removal of this account from all three credit bureaus ' records.

2. **Notification** : Kindly provide me with written confirmation of the investigation 's progress and the actions taken to resolve this matter.

# # # Legal Basis for Dispute : 1. **Fair Credit Reporting Act ( FCRA ) ** : The FCRA mandates accurate and fair reporting of consumer credit information by credit reporting agencies. The unauthorized listing of this account violates the FCRA 's provisions, including Sections 611 and 623.

Enclosed are copies of my credit reports highlighting the disputed account, as well as any supporting documentation affirming my claim of unauthorized account ownership.

Thank you for your prompt attention to this matter. I trust that you will investigate this dispute thoroughly and rectify the inaccuracies on my credit reports promptly. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-20
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. (TN)

I am writing this complaint because I demanded the account removal of a tradeline reported from TRANSUNION for its incompleteness. TRANSUNION reinvestigated the account and still did not remove it. I disputed the account around XX/XX/year> and TRANSUNION did not correct the account. I demanded the accounts removal for their failure to uphold 15 USC 1681e ( b ) for failing to report the account at maximum accuracy in XX/XX/year>, and now I am further demanding that they remove the account because they still did nothing. I want the account I've been disputing removed for their failure to uphold the FCRA per 15 USC 1681e ( b ).
Consumer complaint received 2024-05-20
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)

There are errors in my credit profile, which is an unfair treatment towards me. I kindly ask that you examine this problem and make the necessary corrections. I am fed up and tired of these matters, and if there are no updates on my inquiries, I will have to resort to legal means.
Consumer complaint received 2024-05-20
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. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-05-20
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. (WA)

I recently discovered that an auto loan account with account number XXXX was fraudulently opened in my name at XXXX XXXX XXXX XXXX, I did not authorize this account and request its immediate deletion from my credit reports also the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX is fraudulent, never live here.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for a business credit card on the promotional terms that if I spent XXXX XXXX within 90-days of account opening I would be credited with XXXX points good for a {$750.00} cash redemption. When I went to redeem the points I was given only two options, one was to receive travel credit for the highest point value equaling the {$750.00} or a cash redemption which was substantially less. When I went to redeem my points, I was only given the two options, but there was a third option available which was to transfer the points to my personal credit card with BofA to receive the full value of the points.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

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  # XXXX, has violated my rights. 

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 2024-05-20
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. (MD)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-08-21
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Cease and Desist Request Harassment by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Account XXXX : Account Name : XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX Co. 
Balance : {$530.00} Date Opened : XX/XX/year> Status : Collection account, {$530.00} past due as of XX/XX/year> Status Updated : XX/XX/year> Balance Updated : XX/XX/year> On Record Until : XX/XX/year> Dear Experian, I am writing to formally request that you instruct XXXX XXXX XXXX to cease and desist all communications with me concerning the above-referenced account. This account is currently under dispute, and I believe that the ongoing communications by XXXX XXXX XXXX constitute third-party harassment, in violation of my rights as a consumer. 

Additionally, I dispute the accuracy of the information being reported by XXXX XXXX XXXX on my credit report. Please update my credit file to reflect this dispute, as is my right under the Fair Credit Reporting Act ( FCRA ). I also request that you take immediate steps to verify the accuracy of this information and ensure that no further adverse reporting occurs while this dispute is being resolved. 

Please confirm in writing that you have received this letter and that the necessary actions have been taken to cease all communications from this creditor and update my credit file to reflect this dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-11-08
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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