davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

Date of Report XXXX Amount {$0.00} Date of Report XXXX Amount {$0.00} In accordance to 15 USC 1666b ( a ) Time to make payments A creditor may 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 reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( Toyota Motor Financial ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America put a restriction on my account on XX/XX/XXXX. I was no longer able to use my debit card or make withdrawals. I contacted them on XX/XX/XXXX and they told me that the account was frozen but didnt have any information to provide and that I needed to call back in 48 hours. I called again on XX/XX/XXXX asking about the status for me to access my funds and they told me the account is closed but that it takes 48 hours to process and that I should receive a check in the mail. I called again on XX/XX/XXXX to get information on the status of my funds and they told me the account is not closed but that I have restricted acces and that I need to call back Monday XX/XX/XXXX. After about a week of contacting and receiving no information, I filed a CFPB complaint. The bank only followed up with me then and advised the account was closed and that there were third party checks deposited. I was advised that the funds of the third-party checks remained in the bank 's hold harmless account. 

In XXXX XXXX XXXXXXXX, I purchased a property from the sellers that were the issuers of the checks ( written out {$6000.00} for each ). The attached documents are in support of detailing the contractual requirements of the check issuers having had to mail the checks to my address. The checks were to be provided by me to the contractor issued on the checks, however, it was identified after completion of the work that the contractors completed the work without proper permits and operated under false contractors ' licenses. I attempted to resolve the issue with the XXXX XXXX XXXX ( XXXX ) to hold the contractor liable for operating under a false contractor 's license as well as not having applied for proper building permits. I therefore have no proof if the work was conducted per code. However, the XXXX concluded that they did not have enough evidence to proceed with the claim because there was no written contract between me and the contractor and the Escrow contract attached wasn't sufficient proof. 

I proceeded to ask my realtor to amend Addendum 6 and ask the sellers of the property to reissue the checks to my name so that I could find a different contractor willing to fix the work under permit requirements. My realtor sent the amended addendum to the sellers ' realtors, however, at least one seller 's agent confirmed that the client wasn't allowed to make changes outside the Escrow contract ( this was a divorce case, and each seller had their own real estate agents and divorce attorneys involved ). At this point the property was already signed over to my name and the sellers contract executed/Escrow contract closed. 

I have received a quote from a different contractor that is willing to perform the work under proper permitting conditions. Thus, I deposited the check as it was originally agreed upon in contract with the issuers of the check/sellers of the property for the foundation repair work in the Escrow agreement.
Consumer complaint received 2024-05-24
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: EQUIFAX, INC. (FL)

REINVESTIGATION I desagree with the previous investigation of the account listed below which still appears on my credit report even after your investigation I would like this item immediately reinvestigated the inaccuracy are highly injurious to my credit score XXXXXXXX XXXX XXXX XXXX  account number # XXXX XXXX XXXX XXXX account number # XXXX ACCOUNT TRANSFERRED OR SOLD FROM XXXXXXXX XXXX XXXX XXXXXXXX In accordance with the fair credit reporting Act.Public law 91-506, Title VI, section 611, subsection A-D, please provide the name and business addresses of each individual with whom you verified the above, so that I may follow up. Please give me an update copy of my credit report after your investigation
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Information which has not yet been verified to be 100 % accurate as required by the FCRA is continuing to be reported on my credit report. I have tried numerous times to get this off my report and always am ignored.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (CA)

XXXX XXXX XXXX XXXX and National Credit Adjusters is incorrectly and incompletely reporting on my XXXX, XXXX and XXXX XXXX report. I have never received any Dunning letters from either company outlining any of my rights as far as disputing the debt as a CA resident. I have already disputed these accounts that are reporting incorrectly and have received no response from my letter dated XX/XX/XXXX and XX/XX/XXXX from either company and the accounts are still there. I request that XXXX XXXX XXXX XXXX  and National Credit Adjusters provide me with validation of the debt according the the FCRA. I am also requesting account level documentation proving that this accounts are mine and the method and procedure that you used to validate this alleged debt.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (OK)

I am a XXXX  and a victim of fraud. I am being evicted because I haven't been able to pay rent with my money that I get once a month because someone in Michigan and California have access to my account that I have with Credit Karma. They used my information for XXXX separate transactions at XXXX stores and XXXX ATMs and more. Same thing happened the month before. This has been an issue I have dealt with since XXXX and it is now XXXX and nothing has changed. Credit Karma does put the money back in but they don't change the account numbers enough that this random person still has access and takes money out before I can even use it. It is very infuriating.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. Also according to 15 USC 1681 s-2 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. This is violation after violation after vi
olation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/year>, Bank of America informed me by email that I had submitted an application for a credit card. I had not, and contacted them. They did not issue a credit card due to my credit freeze, but they informed me that my social security number and birthday were provided to them in the application. 

On XX/XX/year>, I requested my rights under the FACT Act section 151 to obtain a copy of the fraudulent application. Unfortunately Bank of America makes this process unnecessarily onerous. Instead of emailing me a PDF of the application, they insist on mailing it to me. As well, they insist on my returning the notarized application by mail as well, instead of dropping it off at a local bank branch or submitting it electronically.

I did receive the paperwork which I promptly returned. But 30 days later -- the legal limit -- I had not received any reply. I contacted them and they said that they had not received my application, but they agreed to send me a new application so that I could try again. 

It is now almost a month after that phone call. I have not received a new application. The person I spoke to on the phone was unable to give me any status updates of any kind. All she could do is say that she sent an email to a back office requesting that they send me the application again. 

I no longer believe that Bank of America intends to comply with the law. My request is simple : send me a copy of the application for the credit card. There's no reason I can't simply pick this up from a local bank branch. There's no reason they can not simply mail it to the home address for me that they have on file. Hiding behind a back office that no one can speak to, not even their own representative at a phone number dedicated to handling FACT Act requests, provides me no confidence that I can resolve this without assistance.
Consumer complaint received 2024-08-06
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: CITIBANK, N.A. (CA)

I have a Macys account that appears on my credit report that has been giving me a hard time. I have been asking for verification of the account because I did not open this account and I need either proof of to see who is the person that opened this account is, because it was not me and their verifying saying that it is verified as mine so I want to see the proof because I did not opened that account if they can not provide me proof I need this account removed immediately. 

XXXX, XXXX. 
Account # : XXXX Also, after writing my last dispute and sending it via certified mail with return receipt, I failed to get a response within 30 days
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I have requested that my old phone number be removed from my personal statement/identity theft alert and credit report over a dozen times the past several years. Experian/Equifax/TransUnion have ignored this request over and over and over again. 
I DEMAND THAT XXXX XXXX TRANSUNION REMOVE THE PHONE NUMBER XXXX FROM MY CREDIT REPORT, INCLUDING MY PERSONAL STATEMENT AND IDENTITY THEFT ALERT. 
I DEMAND THAT XXXX XXXX TRANSUNION REPLACE THE NUMBER ABOVE WITH XXXX IMMEDIATELY FROM ALL PARTS OF MY CREDIT REPORT, INCLUDING PERSONAL STATEMENT AND IDENTITY THEFT ALERT.
Consumer complaint received 2024-07-03
Product: Credit 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 (CA)

I have spoken to an attorney about what has occurred with Capital One and it is not acting in good faith in regards to my fraud claims against XXXX XXXX who has defrauded me for a few years with not showing up to court or filing what they were supposed to have filed. 

It seems I have wasted my time as you have individuals working in your transaction team denying incessantly all the paperwork and claims I made of fraud against XXXX XXXX XXXX. It is clear no one is reading or properly investigating rather they are just issuing generic letters denying all claims and reversing all temporary credit. I do not understand why waste my time in providing you evidence if you wanted to just deny everything based on time. I have already explained that I have been defrauded by XXXX XXXX XXXX for work that was never rendered. Legal work does not process the same way as other transactions that I can catch it within 60 days. The law firm lied to be several times and court records prove they did not do what they have claimed. I do not understand why even allow the claim to be made to then reverse it on timeframe 6 days afterwards and have me waste time on all that paperwork when I found out the truth about what has occurred on XX/XX/XXXX less than 30 days ago. I have explained also that XXXX XXXX XXXX has also not been able to legally work since XXXX on a suspended corporate license. On top of the fraud. They are under investigation by the Attorney General, They are under investigation by the State Bar. I have provided you all of this. It is disgusting that Capital One is engaging in this behavior and in speaking with legal council this violates ETF laws and I can sue Capital One for not protecting me or even properly investigating the matter. I will be suing Capital One if this is not rectified as it defeats the purpose of using a credit card or fraud investigation. 

Case Numbers : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

-The claim that they dont have enough information gor my disputes. 

I have soent a recorded XXXX hours just on the phone with these XXXX, and have wasted so much time gettting them documents andbthe information they request that I havent been able yo work in 13 months. 
But they dont have enough of what theyve asked for. 
I have literally been in the process kf sending them what theyve asked for the next day after heing on the phone for XXXX hours in a day just teying ti find out WHAT they XXXX want.bthen while sendingbit, have gotten the declined message while they are supposedly waiting for something. 
Ive also sent hundreds of documents through their portal to then be told they dont see any of them. To THEN be told that yes they did have them months later after I was blamed for losing my own dispute. 
Ive had enough of your XXXX lying. Youre either going to do yiur XXXX XXXXXXXX or youvare going to have teouble where it hurts any human. Ill be moving to a place very close to yiyr office so i can make sure of it. 

XXXX you and this XXXX response that took you 3 months to send : XXXX at its normal self right here. 
" This may take up to 30 days for us to even send a response. That's because we are doing literally nothing at all, and told you these exact same words 2 months ago when we said that our response to the entire thing IS that we are still working on the nothing that we're doing. '' This is 100 % full of lies and receipt like your every day business is. You've given me resultsbofbyou 1 day long investigations that end with " we put a day towards this before, we're not putting more than a day towards ajythjng. '' You also strangely don't address the fact that you denied your own employees dispute cases. All you've done here is pasteba long piece of text about the nothing you've done as it relates to your XXXX job and that is all. XXXX you, you ruin lives qnd enjoy doing so you XXXX piece of XXXX foreigners. Im coming to XXXX for my revenge in person. 

You also took 3 months to send this nothing of a response. 
I have {$1.00} mm in legal assidtance from you and another XXXX mil from discover to use in order to recover my identity after XXXX data breaches in the last tear alone.. I plan on using all of it to sue you knowing that yoy take 3 months to senf a boilerplate pasted message. XXXX you
Consumer complaint received 2023-09-20
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: EQUIFAX, INC. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX 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 2024-08-27
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. (NC)

. I am writing to request the removal of the XXXX XXXX XXXX XXXX, XXXX, account from my credit file. 
Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ), I have the right to request that inaccurate or incomplete information be corrected or removed from my credit report. Additionally, 623 ( a ) ( 8 ) of the FCRA ensures that information must be accurate and verifiable. Given the recent data breach involving XXXX XXXX, I am concerned that my personal information may have been compromised. This breach has raised significant concerns about the security and accuracy of the data associated with my account. 
Considering these circumstances, and under my rights provided by the FCRA to ensure the accuracy and fairness of my credit report, I request that you remove any and all references to XXXX XXXX from my credit file. 
Please confirm the removal of this account in writing at your earliest convenience. If you require any further information or documentation, do not hesitate to contact me.
Consumer complaint received 2024-07-12
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I applied for the Capital One Spark Business Card. I was searching for a card that had a good cashback bonus because I was traveling for my small business and had a large expense. The bonus at the time was " Earn a {$750.00} cash bonus, Earn this one-time bonus when you spend {$6000.00} within the first 3 months from account opening. '' I accessed this offer from a capital one page and there was a direct link to the application. I have attached a screenshot of the offer that I sent to a network of my peers because the offer was attractive and I wanted to share it with them. I took the application by clicking the button that says " Continue to my application ''. 

Upon applying for the card, I was approved and went about meeting the requirements of the offer. I allowed enough time to pass for Capital One to fulfill their end and called to find out when I could expect the bonus. When I called, they said that during the underwriting process, it was determined that I did not qualify for the offer. When I asked why, they said research was required and I would have to wait for a response. I was not able to answer their call when they returned the call but received an email simply saying I did not qualify for the offer with no reason. 

When I called back, I was told that this offer was NOT available at the time of my application however in addition to my screenshots, I was able to find online that this offer was available since XX/XX/XXXX, 3 months prior to my application. I told the agent that I had screenshots of the offer during that time and he said he will have someone call me with instructions on how to upload the screenshots. 

I received a call yesterday from another agent saying that during the underwriting process, I was declined for the offer and there was nothing I could do. However, they were not able to give me any specific reason why I was not qualified nor was I provided any adverse action on this decision. I do not believe the business has attempted to resolve the problem and based on the resource I used to apply for this, the advertising was deceitful and misleading.
Consumer complaint received 2023-09-19
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 Reporting Act, XXXX XXXX XXXX  acct # XXXX..., has violated my rights. 15USC 1681 Section 602 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.

Furthermore, 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This has been done and in violation for XX/XX/2023 reporting as a 30 day late payment. Please remove.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I am writing to file a complaint regarding a violation of the Privacy Act by your organization. I recently obtained a copy of my credit report from your bureau and discovered that my personal information had been shared without my consent, which is a direct violation of my rights under the Privacy Act. 

Specifically, I found the following instances where my privacy had been compromised : 1. The amount of unauthorized Hard inquiries are in direct violation. Dates arranges from XX/XX/2022 until present. Names that are not my actual name is on the report and as well as addresses that are unmailable that I'm not associated with. I have reached out to each of the credit agencies about this matter and I've been ignored on multiple occasions I would like to emphasize that the Privacy Act is in place to protect individuals ' personal information and ensure its confidentiality. As a consumer, I have the right to expect that my personal data is handled with utmost care and only shared with authorized entities under appropriate circumstances. 

The unauthorized sharing of my personal information has raised significant concerns regarding the security and integrity of my credit report. It is imperative that your bureau takes immediate action to rectify this situation and prevent any further unauthorized disclosures.