davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-28
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. (CA)

I am writing to formally dispute the reporting of credit utilization by XXXX - XXXX  on my [ XXXX, Equifax, or XXXX ] consumer report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ) and relevant consumer laws. 

Upon reviewing my consumer report, I noticed that the line of credit I have with XXXX - XXXX, specifically account number XXXX - XXXX, is characterized as utilization. This reporting is illegal as it contravenes the stipulations of 15 USC 1681a 2 ( A ) ( i ), which clearly states that a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. 

In my case, the utilization reported is an experience between myself and XXXX - XXXX. According to the law, such transactions or experiences should not be included in my consumer report. By reporting this utilization, XXXX - XXXX has violated the FCRA 15 USC 1681a 2Ai. 

I have previously reached out to XXXX - XXXX  regarding this matter, but they have refused to comply with the penal codes stated by Congress in accordance with consumer law. Therefore, I am demanding that XXXX - XXXX  update my utilization to 5 % or below or delete all utilization from the aforementioned account within 10 calendar days of this notice. 

Failure to satisfactorily respond with the deletion of the above utilization will compel me to take legal actions against XXXX - XXXX. I will be seeking remedies for : Defamation of Character Negligent Non-Compliance Civil Liability Mental Anguish Violations of the Fair Credit Reporting Act 15 USC 1681, specifically for willful noncompliance as outlined in 616 [ 15 U.S.C. 1681n ]. 
Furthermore, any attempt to close this account in response to my demand for the removal of the utilization from my credit report will be considered an adverse action in violation of 15 USC section 1691. 

I expect prompt action to correct these inaccuracies in my consumer report. Additionally, I request written confirmation of your compliance with this request and a revised copy of my credit report post the deletion or correction of the disputed information. 

Thank you for your attention to this urgent matter. Please feel free to contact me for any further information or clarification needed.
Consumer complaint received 2024-01-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Subject : Urgent Complaint Regarding Account Closure and Negative Impact on Credit Reports Dear Capital One Customer Service, I am writing to express my deep dissatisfaction with the recent closure of my credit card accounts with Capital One, which I have held for over 20 years. As a loyal and long-standing customer, I have always valued the services provided by Capital One , but recent events have left me extremely disappointed and frustrated. 

The reason for the closure of my accounts, as I understand it, stems from a series of inadvertent errors in my payment process. On multiple occasions, payments were incorrectly made from my Capital One checking account, despite my intention to use my XXXX XXXX bank account for transactions. As soon as I became aware of these errors, I promptly rectified the situation by making payments from the correct account. 

However, to my astonishment, I received no prior notice or warning from Capital One regarding the potential consequences of these payment errors. Instead, I was informed that my credit card accounts had been summarily closed, without any opportunity to address the issue or rectify the situation. This unilateral action has had severe repercussions on my financial standing, leading to negative impacts on my credit reports and causing unnecessary distress and inconvenience. 

As a valued customer with a long history of responsible financial management, I am deeply troubled by the lack of communication and the disproportionate response from Capital One. I have always maintained a positive relationship with your institution and have never encountered such drastic measures for unintentional errors in the past. 

Therefore, I urge you to reconsider your decision and kindly request the immediate reopening of my credit card accounts. I am committed to resolving any outstanding issues and ensuring that such errors do not recur in the future. I trust that Capital One will recognize the importance of customer loyalty and extend the courtesy of reinstating my accounts without further delay. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: Fairway Consumer Discount Company (PA)

My partner and I took a lone out from fairway XXXX almost XXXX ago for XXXX  years. We paid it off after XXXX years and took another one using our home as Calateral. The Financial company has never reported any of this to the credit burns and it don't show up on any of our credit reports. It's good to pay off a lone early but nothing shows up for our scores have gone up.
Consumer complaint received 2024-01-28
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America stole XXXX some odd dollars from me that say that they closed my account and was going to send me a check with my money did all they then they never did all I keep getting is my bank account statement saying how much is in my account and so when I went into the bank they just keep giving me the runaround
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Under FCRA 605B, we're obliged to expunge any incorrect entries from my credit profile. Would you mind verifying the documents? Several of the listed entries are inaccurate regarding their reporting. Compensation of {$1000.00} is due for each erroneous reporting on my credit file.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

Bank of America is holding my fathers money within their bank. My father went into their branch and filled out a letter of beneficiaries identifying whom to disperse his account to after he passes, he filled that information out IN PERSON on XX/XX/23. The bank is stating they wont pay it out because several changes were made before and after his passing, which is illegal. The bank rep informed him after he completed the process that It can only be change by appointment only. They are stating they are honoring their clients wishes, which they are not doing by holding is money when he had physically went into their branch and filled out the proper paperwork. The branch notified the state about an individual trying to be added to his account, which the bank denied and about someone taking money from his account. The state interviewed my father and he made it clear to the investigator his frustrations with what was going on. Theres an active investigation going on now against the individual and the bank will not release his funds to his beneficiaries that he wrote down in their branch. Its just throwing salt in the wound of the family as we are mourning and causing more problems than they know between the family. Emotionally some individuals have spoke to therapist and my youngest sister had her doctor tell her the stress is causing her to XXXX and have other medical problems that effects her condition she has had majority of her life. We need the funds released and they are trying to give it to the individual he wanted to keep it from by asking everyone to agree or attend probate court which is super expensive. They are being unreasonable and borderline bullying by not honoring what my father signed in their branch.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

The phone I was using with the bank died. I went into a Bank of America office on XX/XX/24 and had them change the *REQUIRED* ( required by Bank of America ) contact number to my new phone. The person at Bank of America did that. Nonetheless when I tried to access my account this morning Bank of America still sent the *REQUIRED* confirmation text to the old, dead phone!! Thus they have intentionally locked me out of access to my account.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (TX)

I have been waiting for awhile now, I have over XXXX USD into the account. They decided to close my account, and told me they will released the fund to my checking account, however it had been over 2 weeks now with no update. They are refusing to taking my calls, I am not able to withdraw my money from the app. I've emailed them, they have given me the same replies since, 7-15 days which had past. I need this fund because this was my initially investment fund and the held it. Please I need them ( Robinhood ) to release my funds immediately.

Thank you,
Consumer complaint received 2024-05-04
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. (GA)

To Whom It May Concern at the Consumer Financial Protection Bureau, I am writing to file a complaint concerning multiple unauthorized hard inquiries recorded on my credit reports by XXXX, XXXX, and TransUnion. These inquiries appear to lack a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ) and corresponding regulations. 

The FCRA, specifically under 15 U.S.C. 1681b, stipulates that consumer reports may only be accessed for specific permissible purposes. These purposes include credit transactions, employment purposes, underwriting of insurance, or other purposes as outlined by the law. Additionally, 16 CFR 1022.34 reinforces these requirements by imposing duties on users of consumer reports to ensure they are obtained only for these legal purposes. 

Despite these clear legal parameters, my credit reports show multiple inquiries from various financial institutions and credit organizations without my prior knowledge or consent. These include inquiries from high-profile lenders and credit issuers such as XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and others across the three major credit reporting agenciesXXXX  XXXX, and TransUnion. 

The unauthorized inquiries span several dates and appear as follows across the credit reports : XXXX XXXX  reported inquiries from entities like XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX and others, all noted on the same date ( XX/XX/XXXX ), among additional inquiries throughout XXXX. 

- XXXX XXXXXXXX inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX, respectively, along with other inquiries dating back to XXXX. 

- **TransUnion** includes inquiries from XXXX, XXXX, and various others ranging from early XXXX to late XXXX. 

These inquiries have potentially negative impacts on my credit score and could lead to broader implications for my financial health and privacy. Under 16 CFR 1022.3, consumer reporting agencies are mandated to follow reasonable procedures to assure maximum possible accuracy of the information associated with inquiries and reports. The appearance of these inquiries without a permissible purpose suggests a lapse in these procedures and a possible violation of my rights under the FCRA.

Given these concerns, I am seeking the CFPB 's assistance in investigating these matters. I request a thorough review of the inquiries listed on my credit reports to confirm whether they were indeed made without permissible purpose. If these inquiries are verified as unauthorized, I urge their immediate removal and appropriate corrective actions against the entities involved.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$2300.00} XXXX XXXX XXXX Balance {$500.00} XXXX XXXX XXXX XXXX Balance {$4800.00XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reached out to XXXX, TransUnion and XXXX during the months of XXXX, XXXX and XXXX in 2023. They made it increasingly difficult for me to manage my credit report and file. I was seeking to dispute inaccurate items on my report that I noticed. They informed me that my file has to be reviewed by a fraud agent, and when I asked for an explanation, I was not given a sufficient answer.
Consumer complaint received 2024-04-30
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. (IL)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2024-01-28
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. (IL)

Disputes are being " verified as accurate, '' yet none of the furnishers or reporting companies guarantee 100 % accuracy in accordance with the FCRA. Thee furnishers and reporting companies do not guarantee any accuracy at all, and avoid liability for inaccurate information. Therefore, none of the information reported should be on the consumer report, or consumer file disclosure, or anything else. You can not " verify '' something under dispute and not accept liability for verifying whatever it is being verified. Especially when it is know that the information is unreliable as demonstrated by every furnisher 's and consumer reporting company 's Terms.
Consumer complaint received 2023-04-30
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. (GA)

I am submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate reporting of late payments by XXXX XXXX XXXX  Credit Card on my credit report. The false reporting of late payments has resulted in a negative impact on my credit score, which is affecting my ability to obtain credit or other financial services.
Consumer complaint received 2024-05-04
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 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, 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 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 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 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
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts contain inaccurate information. I am entitled to receive {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-01-30
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. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

On XX/XX/XXXX I was at the bank of america ATM on XXXX XXXX in XXXX, ar to withdraw cash in the amount of {$480.00}, I was about to choose my bill preference when a XXXX XXXX XXXX pulled through the lane on the back side of the atm HITTING the atm not once but twice. When this happened the machine had a message pop up on the screen saying the transaction could not be processed and a transaction reversal would happen. I was going to attempt to try to withdraw the money again on the same atm except now the machine said " Sorry we can't dispense cash right now ". I drove to the atm on the other side of the building thinking because the money was never dispensed surely it hadn't been taken out of my account. I was wrong. I now had insufficient funds. I parked and went into the bank of america and spoke with a teller, whom told me the only thing he could do was get me on the phone with the claims department. Then i was told it would take up to 10 days, possibly longer to receive a temporary credit, 45 days to receive a permanent one. IT WAS MY MONEY!! A vehicle that was too large to be in a lane hit the atm, and I have to wait for a credit?!?!?!?! A credit that ALREADY BELONGS TO ME?!!! Now I'm on day XXXX and I still have not seen a credit in my account. This is pathetic, there's video footage on the cameras at the bank, not to mention the ATM itself is over XXXX. Wrong in so many ways that I'm having to fight this hard to get money that already belonged to me.
Consumer complaint received 2015-10-20
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (AL)

I refinanced a home with Nationstar in XXXX, 2015. I was notified that payments would begin XXXX XXXX by my loan officer. Instead, Nationstar began requesting payments in XXXX. 
I feel like I was scammed. I checked the closing documents that I signed, and they do indicate that payments would begin in XXXX. I 'm frustrated and already behind in my payments because of this. I tried working it out with Nationstar, but they wo n't budge because of the closing documents. I would not have signed them had I known the start date was in XXXX. Is there anything I can do?
Consumer complaint received 2024-08-08
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
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. (GA)

Timely payments are always a priority for me, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or they will be liable to pay me {$1000.00} for each account reporting inaccurately.