davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America has had my business account under XXXX XXXX frozen for over 4 months. The bank hasn't sent a single correspondence explaining why the account was frozen or provided a resolution to resolve the issue. Instead, they have told the account is under investigation, in closing procedure and there's nothing I can do about it. This is unacceptable. There is a significant amount of money in that account and this is affecting my family 's and my own livelihood. I am desperate and lost. I need your help to pressure Bank of America to communicate with me and to let me know what they need to complete the investigation and release my money. I did not commit any crime and I've been treated as such by this institution.
Consumer complaint received 2024-07-18
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. (IL)

I am writing to file a complaint against TransUnion regarding their refusal to remove fraudulent accounts from my credit report. 
TransUnion has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which mandates the blocking of information resulting from identity theft.

According to Section 605B of the FCRA, a consumer reporting agency is required to block the reporting of information identified as resulting from identity theft within XXXX business days after receiving : A copy of an identity theft report ; Identification of the fraudulent information by the consumer ; and A statement by the consumer that the information does not relate to any transaction by the consumer.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (GA)

Called Navy Federal on XX/XX/year> regarding funds removed from checking account that shows a transaction where my recent deposits have been removed to pay on a credit card that is not attached to the account. 

Credit cards have been charged off and no longer showing on my Navy Federal account and/or dashboard.I spoke with XXXX that stated he was a recovery specialist who stated that Navy Federal can remove money from my checking account to pay charged off credit cards. I was denied a refund.
Consumer complaint received 2017-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

There are some unauthorized fraudulent inquiries that are on my credit report and Transunion refused to remove them. My report was improperly shared by Trans Union because I did not authorize these inquiries and I have also contacted each of these companies and they can not prove to me with my original signature and/or documents that these inquiries were authorized by me. This is a fraud act by Transunion as well as the companies accessing my file against my will. These are fraudulent inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Utilities & Fuel XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX, XXXX I have been in contact with TransUnion informing them that these were unauthorized credit inquiries and that I wanted them deleted from my account. Transunion stated for me to reach out to the Creditors and request a deletion letter. The creditors informed me that they do n't do deletion letters and do n't even have a way to process them anymore that the credit bureau would have to call them. I have been back and forth between the credit bureau and the creditors but to no avail they keep pointing blame at each other TransUnion had violated my rights of Under sections 6.11. I have been ravely affected and my score is suffering as a result. This has caused that all of the inquires on my credit report increased my credit score. Those inquires were inserted to my credit report without in direct violation of Sec 611 of the Fair Reporting Credit Act. 
I request that you remove immediately the following fraudulent inquiries from my credit report : I never authorized any of those inquiries and when I requested proof from the creditor, they were unable to provide me with any proof otherwise ; therefore it is the credit bureaus responsibility to remove them.
Consumer complaint received 2024-06-25
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. (IL)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX XXXX I ( original creditor : XXXX XXXX XXXX ) XXXX Original Balance : {$15000.00} Bankruptcy XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-02
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: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-01
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: EQUIFAX, INC. (AZ)

I reached out to all 3 credit reporting companies and no one has sent any correspondences in regards to my request in the past XXXX  months after several attempts. I need this data removed off of my files immediately.
Consumer complaint received 2023-09-29
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)

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 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I am writing to file a formal complaint regarding the mishandling of a credit refund from my credit account # XXXX to my checking account # XXXX. 
On XX/XX/year>, I initiated a credit refund of {$1500.00} and explicitly requested that no refund check be mailed. I was assured by the Bank of America agent that the funds would be directly deposited into my checking account within two business days, by XX/XX/year>. This did not occur. 
On XX/XX/year>, I contacted Bank of America customer service and spoke with XXXX, who informed me that a refund check had been sent out despite my clear instructions and the agents confirmation of refund into my Checking account. I reiterated that the funds should have been deposited directly into my checking account. XXXX suggested stopping payment on the check and reissuing the refund to my checking account, stating it would take an additional 10-14 days. 
I escalated the matter to management and spoke with XXXX, who stated there was nothing that could be done and I would have to wait 10-14 days for the refund.

Bank of Americas failure to follow my explicit instructions and the subsequent delays are unacceptable. Because of Bank of Americas negligence and lies to this consumer, I will have to wait an extended period of time for monies that should already have been deposited.
Consumer complaint received 2024-08-09
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. (CA)

Ref # XXXX Clarity Report for XXXX, XXXX XXXX THIS COMPANY REPORTING INFORMATION ON ME WITHOUT MY PERMISSION ALSO VERIFYING INFORMATION WITHOUT MY PERMISSION I ASK THEM TO REMOVE ANY INFORMATION THEY HAVE ON BE REMOVE I DO NOT GIVE CONSENT TO THIS COMPANY TO REPORT ANYTHING ON MY BEHALF THIS COMAPANY STOLE MY INFORMATION WITHOUT MY KNOWLEDGE ALSO XXXX RELASED INFORMATION ON ME. NAMES ADDRESSES NUMBERS ID NUMBER DOB AND LOAN NUMBERS AND ANY INFORMATION LINKING ACCOUNTS REPROTING WITHOUT MY CONSENT UNDER 15 USC 1681A REPORTING INFORMATION IS CONSIDER VOILATION ON PRIVACY TO RIGHT 15 USC 1892
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Dear Sir/Madam, I am writing to formally dispute the accuracy of certain information on my credit reports maintained by XXXX and Experian. The details of the accounts in question are as follows : XXXX Report : Account # : XXXX Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Experian Report : Account # : XXXX Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Upon reviewing my credit reports, I have identified significant discrepancies between the information reported by XXXX and Experian regarding the above account. Specifically : Date Opened : XXXX reports the account as opened on XX/XX/XXXX, while Experian reports it as opened on XX/XX/XXXX. 

Date Last Active : XXXX reports the account as last active on XX/XX/XXXX, whereas Experian reports it as last active on XX/XX/XXXX. This discrepancy in reported dates of last activity is substantial and needs clarification. 

These discrepancies violate the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA 611 - Accuracy of Information : The inconsistencies in reported dates of account opening and last active dates suggest a failure to maintain accurate consumer information.

FCRA 623 - Duty to Correct and Update Information : According to FCRA 623, CRAs must promptly update and correct inaccurate information upon notification by the consumer. The discrepancies noted above indicate a need for immediate correction and updating of my credit reports. 

Furthermore, under FCRA 611 ( a ) ( 5 ) ( B ), inaccurate information must be promptly deleted or corrected by the consumer reporting agency after receiving notice of dispute from the consumer. Given the discrepancies noted above, I request that XXXX and Experian promptly delete the inaccurate information from my credit reports. 


I request that XXXX and Experian conduct a thorough investigation into these discrepancies as required by FCRA 611 and promptly delete the inaccurate information from my credit reports. Please provide me with the results of the investigation in writing and confirm when the corrections have been made. 

Additionally, I kindly request that you send me a free copy of my updated credit report once the corrections have been made. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely,
Consumer complaint received 2024-07-04
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Experian Fraud Department XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have also filed a police report with the Detroit Police Department 3rd precinct the police report number is XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Hello my name is XXXX XXXX and there is inaccurate information on my account from XXXX XXXX ( XXXX XXXX ). Which was placed on my account on XX/XX/year> in the amount of {$13000.00}. According to passages 15 USC 1681 Section 602A. States that I have the right to privacy.

15 USC 1681 Section 604 Section2. States that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 16666b States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment.
Consumer complaint received 2016-07-23
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (PR)

I WAS ADVISED TO BUY XXXX PARTS FOR THE JUICER THAT I NEEDED AS PART OF MY DIET FROM AMAZON FOR MY NUTIRBULLETS, THOUGH, BOTH NUTRIBULLET PARTS ARE THE WRONG SIZE FOR MY SMALL XXXX DEVICE AND WAS TOLD BY AMAZON.COM THAT THEY WILL SEND ME A RETURN PRE-PAID ENVELOPE TO RETUNR THE PART AND THE OTHER PART WAS FOR A REPLACEMENT BLADE GEAR OF A NUTRIBULLET, THAT I NEEDED TO BUY TO KEEP DOING MY DIET DRINKS AND RECIPES AS I HAD RECEIVED THE WRONG PART. 
THE BLADE GEAR IS THE WRONG SIZE, WHEREAS THE SHARP BLADE FOR THE SMALL NUTRIBULLET WAS NOT THE PART THAT I NEEDED. I ACTUALLY NEEDED THE BASE. BOTH PARTS WERE THE WRONG PARTS FOR THE NUTRI-BULLTES AND I HAD PURCHASED THEM THROUGH AMAZON CREDIT CARD. I HAD CONTACTED AMAZON AND THEY DID NOT REFUD ME NOR REPLACE THE PARTS AS I WILL LIKE THEM TO.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (CT)

My account was compromised and I filed a wire fraud report with the XXXX XXXX XXXX  and emailed XXXX XXXX the case manager on this serious matter to and he still didnt respond yet Its a 30-45 day process with correcting this displeasing issue
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. The fraudulent, inaccurate, and false information consists of the following accounts : XXXX XXXX  Account # : XXXX Balance : {$1700.00} Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX  Account # : XXXX Balance : {$1000.00} Opened : XX/XX/XXXX XXXX XXXX XXXX  Account # XXXX XXXX Balance : {$800.00} Opened : XX/XX/XXXX Additionally, the following XXXX  accounts are also fraudulent : Account # : XXXX - Balance : {$5500.00} Account # : XXXX - Balance : {$2300.00} Account # : XXXX - Balance : {$1100.00} Account # : XXXX Account # : XXXX - Balance : {$870.00} Account # : XXXX - Balance : {$2600.00} Account # : XXXX - Balance : {$870.00} Account # : XXXX - Balance : {$2600.00} Account # : XXXX - Balance : {$2600.00} Account # : XXXX - Balance : {$5000.00} Account # : XXXX - Balance : {$1300.00} Account # : XXXX - Balance : {$1300.00} Account # : XXXX - Balance : {$3800.00} Account # : XXXX - Balance : {$1500.00} Account # : XXXX Balance : {$2000.00} I do not recognize these accounts as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. I have also attached a copy of an Official Police Report and FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all the aforementioned accounts are the result of identity theft and fraud.
Consumer complaint received 2024-07-21
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. (FL)

XXXX XXXX Account # XXXX A creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Unless the creditor has adopted it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date.

There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b.

Also 18 US code 8 states that the obligation of this day is already paid for by the United States. So, this credit balance is in excess of {$1.00} And the law clearly states that the treatment of any credit XXXX is supposed to be refunded upon the request of the consumer so I would also like to request my refund. 

This creditor is in violation of 15 US code 1692 J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.
Consumer complaint received 2024-06-03
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: Experian Information Solutions Inc. (OH)

This is my follow-up regarding the unauthorized credit inquiries that still appear on my personal credit report. Despite my previous efforts to contact the companies involved and request the removal of these inquiries from my credit profile, they remain unresolved. I had also asked you to initiate an investigation into the inquiries listed below to determine who authorized them. As your investigation confirmed my allegations, I request that these inquiries be removed immediately : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-21
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. (IN)

Subject : Urgent Request for Resolution To whom it may concern, I am writing with the utmost urgency regarding the complaint I filed with the CFPB on XX/XX/2024. XXXX. I am requesting an immediate and satisfactory resolution to the inaccurate information on my credit report I disputed. Transunion said that they are unable to locate my credit report. I don't believe that because Transunion has sent me several copies of my credit report through my email that I have on file. Transunion continuously being unresponsive and unhelpful in this matter. Transunion is legally required to respond to the CFPB complaint within XXXX days. The FCRA law requires Transunion to investigate and resolve dispute information in a timely manner. Transunion 's failure to do so within the prescribed time frame would constitute a violation of the FCRA law. I have sent in copies of previous correspondence with Transunion, as well as supporting documentation to this issue. Failure to resolve this matter, I am prepared to escalate this complaint to my XXXX XXXX and I will further pursue all legal action under the FCRA.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).