davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

The complaint against Bank Of America N.A. On XX/XX/2023 I deposited a check for {$5400.00} at the ATM and on the screen it only showed {$410.00} the machine wouldn't allow me to cancel and use any of the commands on the screen the bank had closed while I was trying to cancel said transaction to retrieve my check from the ATM machine it then printed a receipt with a deposit of {$410.00} not the {$5400.00} which was the correct amount of the check deposited. I called Customer Service and spoke to XXXX and she said the funds will be released on XX/XX/XXXX and gave me a case number. On XX/XX/XXXX I received notification that they put a hold on my check until XX/XX/XXXX, I then called Customer Service I spoke to XXXX regarding this deposit/hold issue she tried to get the money released sooner with her supervisor but unsuccessful I was then transferred to the Fraud Dept XXXX I was told by the Supervisor XXXX that my funds will be available on XX/XX/XXXX on that day the money was still on Hold, I called in again spoke to XXXX I asked for the Supervisor I spoke to Supervisor XXXX with no resolution said I had to wait until the XXXX that there's nothing he could do, I told him that's a total of 8 days not including the weekends that I need my money and this was ridiculous. On my account it stated " XXXX XXXX '' I asked XXXX what do that mean he couldn't explain. This isn't ethical or professional. Can you please help me with injustice?
Consumer complaint received 2023-12-13
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. (MI)

I am writing to dispute hard inquiries that appear on my credit report, which I firmly believe are unauthorized and inaccurate. Upon reviewing my credit report, I noticed these unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANCO POPULAR DE PUERTO RICO (PR)

Greetings, in order to write to you I had to choose this option, but really what happens is that I have a financial bankruptcy and I want 2018 more or less, I know that a bankruptcy takes XXXX years to go off the credit, I I wonder if there is any way that bankruptcy can be removed from my credit history? Or alone It remains to wait for those XXXX years to go away? Thanks a lot
Consumer complaint received 2023-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (UT)

I made a payment for a purchase i made from a vendor named XXXX XXXX XXXX XXXX for an amount of {$11000.00}, Fifth third bank took out the payment from my XXXX XXXX account on XX/XX/2023 but refused to credit the vendor bank account which was held at Fifth Third Bank. Fifth Third Bank rejected the payment and closed the vendor bank account which was held at Fifth Third Bank, for this reason the vendor cancelled the order and Fifth Third refused to return the money back to my bank account so that i can make payment for the order through another means. I have have sent my bank statement to Fifth Third Bank to prove that the payment was legit and it cleared in my account. Fifth Third Bank requested my bank provides them a Hold Harmless Letter which i have tried to get for Fifth Third Bank. I have reached out to my bank to request they send this letter to Fifth Third Bank but they claim Fifth Third Bank reach out to them via there banking internal channel and request for it since it was Fifth Third Bank that rejected the payment and need the letter. I have tried to ask the bank to give me the letter so that i can provide it to Fifth Third Bank myself but they refused to give it to me saying they have to send it to Fifth Third Bank by themself. That is the current point i am at, I don't know what else to do in order to get Fifth Third to contact XXXXXXXX XXXX through there bank internal channel to request for the XXXX XXXX Letter.
Consumer complaint received 2024-06-03
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2023-12-13
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. (IN)

Contravening the Education and Loan Privacy Act, the school supplies transaction history to third-party companies. Furthermore, there are alleged violations of the XXXX and XXXX Privacy Act of 1974. The IRS Clearly defines a charge-off as a certificate of indebtedness Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which makes the reporting of this account inaccurate!
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXXXXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2023-12-13
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: EQUIFAX, INC. (AZ)

FCRA 611 ( 15 U.S.C. 1681I ) refers to the section of the Fair Credit Reporting Act that outlines the procedures for consumers to dispute inaccuracies in their credit reports, and it can be found in Title 15, Section 1681I of the United States Code.

it states credit reporting agencies have 30 days to investigate and verify the information thats inaccurate or remove it at the end of the 30 day period equifax knows i was in a data breach caused by there negligence also they are aware ive been disputing inaccurate information on my report for years im asking that equifax follow the fcra codes that govern credit reporting agencies, have some ethic and integrity and remove all inaccurate information from my report not in 60 days but 30 days from XX/XX/2023 when i made my first complaint like FCRA 611 ( 15 U.S.C. 1681I ) says in section a they are obligated to do.
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

On XX/XX/XXXX I got a text message from Bank of America saying that they had approved the credit request in my name and they had sent a card over to me in 14 days. I called Bank of America because I did not apply for a card with them. They said that my social security number had been used on XX/XX/XXXX to open a card with XXXX which they said was some kind of XXXX XXXX XXXX. I informed them that the credit card was not applied by me and they said they were going to cancel the card as attempted fraud.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I asked the credit bureau to send me validation of original sign documents, and to do a complete investigation and ensure accuracy of the records they reporting. the credit bureau refuse to show proof of original sign documents and continue reporting fraudulent account on my credit report. They have failed to respond to my dispute letter dated XX/XX/2023 within 30 days after receiving the letter. According to the federal law, the credit bureau required to respond within 30 days after receiving the dispute letter, otherwise delete the information immediately. The credit bureau also in violation for reinserted deleted fraudulent account back on report with out notify me with XXXX, days. Violation FCRA code
Consumer complaint received 2018-12-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

After sending information to verify myself with my disputes, Experian has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. 

ACCOUNTS FST PREMIE XXXX paid in full XXXX  XXXX never late INQUIRIES XXXX  XXXX XXXX  XX/XX/2017 unauthorized XXXX   XXXX  XX/XX/2017 unauthorized COLLECTIONS XXXX XXXX XXXX {$1200.00} not mine XXXX {$4600.00} not mine XXXX {$4000.00} not mine XXXX  XXXX XXXX XXXX XXXX  XXXX {$830.00} not mine XXXX XXXX XXXX XXXX XXXX XXXX {$340.00} not mine
Consumer complaint received 2023-12-13
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. (CA)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2024-06-05
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX ( XXXX ) XXXX XX/XX/2024 Capital One XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir/Madam, Subject : Dispute of Inaccurate Credit Report Information Underage Account I am writing to formally dispute inaccurate information on my credit report concerning an account with Capital One, Account Number : XXXX. This account was opened in my name while I was underage, and no cosigner was involved in the application process. Therefore, the account was established illegally and contains inaccurate information that needs to be corrected immediately. 

According to the Consumer Financial Protection Bureau ( CFPB ) guidelines, as well as Capital Ones own policy, specific requirements must be met when issuing a credit card to individuals under the age of XXXX. The CFPB mandates that if an individual under the age of XXXX applies for a credit card, they must either prove they can independently make payments on the account or have a co-signer who is over XXXX XXXX XXXX. It is also noted that not all card issuers allow co-signers. Here is a direct reference to the policy for your convenience : Application requirements might differ a little among credit card issuers. But heres an idea of the kind of things your lender considers when youre applying for a credit card : Age You have to be at least XXXX to open your own credit card with Capital One. But according to the Consumer Financial Protection Bureau ( CFPB ), if youre under XXXX, youll have to prove that you can independently make payments on the account or have a co-signer who is over XXXX. And not all card issuers allow co-signers. 

At the time this account was opened, I was under the age of XXXX and did not have a cosigner nor the means to independently make payments, which clearly violates both Capital Ones policy and CFPB regulations. Therefore, the account should never have been approved, and its presence on my credit report is erroneous and damaging. 

I request that Capital One investigate this matter promptly, remove the account from my credit report, and correct the associated inaccuracies. Please provide written confirmation of the removal once the investigation is complete. 

Enclosed, you will find copies of relevant documents, including my identification and any additional evidence supporting my claim. Please let me know if you require further information or documentation to proceed with this dispute. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue. 

Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-12-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Genesys National Recovery, Inc. (PR)

I enrolled in the XXXX gym in XXXX. 
For XX/XX/XXXX, request by phone that I be unsubscribed from the membership. In XXXX I requested it again and they charged me nothing until XX/XX/XXXX without me going to the gym {$43.00} every month plus the membership of {$44.00}. Several times I called and to have the membership canceled and nothing. 
I closed the option in my account for debit and in XX/XX/XXXX, without sending a letter or anything, they call me from a Genesis Collection Agency and they tell me that they are going to seize me and damage my credit for not paying something that I have not used. I explained and requested the investigation of my case and nothing has continued calling without solving my request. I need help, They want me to go to the gym in times of pandemic and they want to force me and I don't want to go. 
Last week I got a call from the gym saying that if I sign a new 2 year contract, they will eliminate my debt at the collection agency. Please help me, I'm desperate. Thank I include a certified letter that I sent to the gym and the collection agency and never received a response.
Consumer complaint received 2023-12-13
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. (PA)

XXXX two fraudulent XXXX XXXX credit accounts where created and disclosed to consumers reporting agencies. I called XXXX XXXX who was unwilling to assist with the matter. I also requested the reporting agencies remove these accounts from my consumer reports as well as inaccurate information regarding employment and residence. The consumer reporting agencies also were unwilling to remove the fraudulent claims. According to 15usc 6801 failure to report accurate and correct information. And also disclosure of false personal data and false information.
Consumer complaint received 2023-04-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (CA)

Refund related to XXXX Honda Property Tax for a car that was sold in XXXX. 

I had leased a car with Honda in XXXX and had registered with KY license plate. In XX/XX/XXXX I sold my vehicle to a XXXX car dealer in the state of California with all the settlements. 
In XXXX, I did not hear from Honda Financial services or from the state of Kentucky for any property tax due. In XX/XX/XXXX, I got a letter from Honda Financial services that a property tax of {$210.00} was due for the XXXX. 

In the month of XX/XX/XXXX I called the KY department of motor vehicle and closed the license plate for my XXXX Honda XXXX and as per suggestion from them I opened a case with Honda financial for a refund of the tax amount for an already sold car. 

It has been almost 9 months and the refund has still not been processed. I have called the Honda financial services numerous times and they had promised to update me with the status of the refund. Since XX/XX/XXXX I did not hear back from them and each time I call the customer service a new associate picks up and confirms they are not aware of the case. It is becoming a challenge for me to get a refund as Honda Financial services is not assisting in any way.
Consumer complaint received 2023-09-12
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. (SC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$84000.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX Balance : {$84000.00}
Consumer complaint received 2023-03-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY (MN)

Following issues in linking a new bank account to target financial, I was provided an error message citing XXXX as denying my ability to use my bank routing number. It told me to request a consumer file and upon doing so would have the right to file a dispute. I contacted XXXX as instructed in the consumer file disclosure and their agent told me the decision was final, that they do not have a dispute process, and recommended that I pay Target in cash. I recorded the representative telling me that XXXX will not accept a dispute from me and am disturbed that they are not willing to allow consumers to fix errors such as this one. XXXX is refusing to allow me to dispute incorrect information about my account which is in use without issue at numerous other companies and for direct deposit without issue and has a balance of thousands of dollars. The recording attached showcases what I was told as a consumer after following the instructions in their disclosure letter to call a specific phone number, provide a tracking number, and request to dispute. Target has so far only been able to blame XXXX and is refusing my payments based on their decision. I have advised them if they are not willing to fix this I plan to close the account of 14 years as I find it offensive to be accused of fraud given my current status as a Target Contractor, account holder of 14 years, and having no prior history of late/missing/bounced payments of any kind in store or online.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX is reporting late payments from XXXX when they agreed to put me on a hardship program due to a death in the family in XXXX and loss of job. They advised that I had 120 days to make payment. What they DID NOT advise is that I had to make the minimum payment each month. That does not make sense because then there is no point of the hardship program. 

Then in XXXX I lost my job due to covid. I was effected by a late payout of unemployment money and stimulus payments. XXXX XXXX said that they were going to give forbearance to those effected. As soon as I received the stimulus and unemployment, I paid off the credit card. 

XXXX XXXX is being unethical by denying these issues. Had they given proper instruction, the cards would have never been paid late even. I would have borrowed money to cover the minimum payments had they properly disclosed the process. Their staff inaccurately represented their hardship program.