davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (NJ)

On XX/XX/XXXX, I transferred in {$5500.00} in XXXX deposits to my new business checking account with U.S. Bank. XXXX days later, the account was closed without notice or explanation. I was unable to access the account or funds, and received no communication from the bank on this matter. 

The following business day, I called to ask what had happened. I was told that they couldnt provide a reason, and that I would receive a call regarding the matter sometime in the next XXXX weeks. 

XXXX weeks went by without correspondence from them. I called back and was told they couldnt provide a reason, and that I had to go to my local XXXX Bank branch and speak with a general XXXX. Unfortunately, as there is no branch within a few XXXX miles of me, I was unable to do this. 

On XX/XX/XXXX, I received {$3000.00} of my original {$5500.00} to my personal checking account. This was the amount of XXXX of the XXXX deposits. The other {$2500.00} was through a XXXX transfer on XX/XX/XXXX from my personal checking account. 

I waited a couple more weeks in anticipation that Id receive the other portion of my money, but to no avail. 

I called the bank again, explained the situation, was transferred several times, and finally got hold of a XXXX in their fraud department. I was told Id receive a letter in the mail with a check for the remaining balance sometime in the next couple of weeks. 

Eventually I received this letter. Unfortunately, the letter simply said my account was closed and it could provide no further information. There was also no check within the letter. 

I called again, went through the same painful process of being transferred multiple times, and reached someone who told me that they had no further information to give me. I wouldnt receive any more communication from them on this matter, and my remaining {$2500.00} would be reviewed at some point, but there was no timeframe on this investigation. The representative made it seem like XXXX take a very long time, and - I believe- expressed her condolences. 

It is now XX/XX/XXXX and I have received no news about my cash, and the customer service reps can provide no more answers.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently tried purchasing a new home and was advised of inaccurate items on my credit report. Ive also tried purchasing a car and was unsuccessful in my purchase and had to have my wife get the car loan in her name because of these accurate items.
Consumer complaint received 2023-11-13
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. (ID)

ACCORDING TO XXXX5 USC 1681I - XXXX, EQUIFAX, AND XXXX 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 XXXX XXXX XXXX. 



Open 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 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 2023-04-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

3 times now someone has opened up a Bank of America account in my name. I went to Bank of America in person to close the accounts in person. I worked with their fraud department. I filed a police report. I froze my credit. I froze with XXXX XXXX. I filed a report with IRS.gov. I changed all my passwords and have extra monitoring that I pay for with XXXX on all my identifications ( ss #, drivers license, birthdate, phone number, emails, passport, etc ). This wont stop happening. This is a failure on the part of Bank of America. I have never had a Bank of America account. Nor have I ever experienced any other type of fraud. This is a failure of security by Bank of America.
Consumer complaint received 2023-11-13
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: FIRST PORTFOLIO SERVICING INC (NC)

On XXXX a charge for {$110.00} came through my XXXX XXXX checking account from a merchant ID XXXXXXXX. I did not authorize this charge and I learned it came through as an ACH withdrawal. 
I disputed the charge on XXXX : dispute ID XXXX for account ending in XXXX. 
The dispute was resolved in my favor with the money being returned to my account. 
To ensure that no future authorizations would occur I contacted the company asking to speak with their fraud department. My customer service agent would not transfer me or escalate the complaint I was bringing for the reason that I do not have an account with the company ... and yet they have the account information for my bank. I am not a customer of this merchant yet they have the ability to withdraw money fraudulently from my checking account. They would not comply with my request that any authorizations be revoked.
Consumer complaint received 2023-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect, The personal data reporting is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im filing a complaint to you today to inform you I was the victim of identity theft. I sent the required documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$400.00} XXXX XXXX  XXXX Balance : {$9800.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-01
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: Bread Financial Holdings, Inc. (NJ)

In accordance with the fair credit reporting act XXXX  account from commenity bank account number XXXX has violated my rights. 15 USC 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 a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I would like the late payment reported to the credit buraus to be changed to paid as agreed on time.
Consumer complaint received 2024-04-08
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)

It's my understanding that FCRA 605B obliges us to expunge any incorrect entries from my credit file. Would you mind verifying the paperwork? There are discrepancies in some of the listed entries regarding reporting, amount, and dates.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-11-13
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. (PA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

According to my research about FCRA 605, 3 credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit 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 CREDIT BUREAUS must remove are listed below : XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

You are reporting a piece of different information from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please correct this damaging data immediately. 
DEPT OF EDUCATIONXXXX XXXX Balance : {$6500.00}, XXXX XXXX Balance : -, XXXX XXXX Balance : {$7600.00}
Consumer complaint received 2023-11-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC (VA)

Requested assistance in XX/XX/2023 as we were 3 months behind on the mortgage due to loss of income- we are both self-employed. Was told by the representative that we didn't qualify for a modification. XX/XX/2023 received a letter from Selene Finance offering us a modification but the home went into foreclosure in XXXX. We filled out the necessary forms, submitted bank statements on XX/XX/2023. On XX/XX/XXXX, i was contacted by Selene as they needed the profit loss statement for my husband 's business - that was sent in to them. On XX/XX/XXXX they needed by profit loss statement and I sent that in to them at XXXX ; XXXX XXXX. via email. Selene has closed the application on XX/XX/XXXX stating that the application was incomplete and I was informed via a phone call that I placed to Selene. They have no intentions of approving a modification as the foreclosure sale date is XX/XX/2023. 
I submitted anew application on Friday XX/XX/XXXX which doesn't give us much time to stop the foreclosure if they don't review the initial documents sent. I've sent a complaint about the situation to Selene, the XXXX XXXX XXXX who's handling the foreclosure and XXXX XXXX Mortgage Fraud.
Consumer complaint received 2023-05-01
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. (CA)

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX  has violated my rights. 15 u.s.c 1681 section 602 a states I have the right to privacy. 15 u.s.c 1681 section 604 a states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX has violated my rights. 15 u.s.c 1681 section 602 a states I have the right to privacy. 15 u.s.c 1681 section 604 a states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX has violated my rights. 15 u.s.c 1681 section 602 a states I have the right to privacy. 15 u.s.c 1681 section 604 a states a consumer reporting agency can not furnish an account without my written instructions.

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 u.s.c 1681 section 602 a states I have the right to privacy. 15 u.s.c 1681 section 604 a states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.
Consumer complaint received 2023-09-07
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. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair or remove these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-07
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$15000.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023
Consumer complaint received 2023-04-18
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: Experian Information Solutions Inc. (GA)

The below inquiry and account do not belong to me and were opened fraudulently. Please delete these from my credit file. I have included the identity theft report as well. 

XXXX XXXX XXXX XXXX XX/XX/2023 Account # XXXX XXXX BANK XXXX XXXX XXXX, 2023
Consumer complaint received 2018-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2018, I applied for and was approved for XXXX XXXX credit card number XXXX XXXX the sole purpose of purchasing XXXX XXXX ticket confirmation number XXXX because Bank of America ( XXXX  Credit Card ) was offering a {$100.00} statement credit. 

I was a approved for the card and provided the credit card number online so that I could then purchase the ticked. I did so, then Bank of America cancelled the card essentially after the purchase was made. In the coming days I noticed that another Bank of America/XXXX  credit card ending in XXXX appeared on my Bank of America Checking/Saving online account ( I bank with Bank of America ironically enough given how terribly they are treating me ). I called and found out that Bank of America cancelled the card with the {$100.00} statement credit promotion and gave me another card. They proceeded to say that I can't get the {$100.00} statement credit because the Terms indicate that I gave to spend {$500.00} within the first 90 days which of course in IMPOSSIBLE because they cancelled the card. 

So the scam appears to be that they promotion is offered. The credit card is approved and used by the scam victim. The bank cancels the cards and provides another card so that the scam victim has no way of receiving the promotion. 

I am out raged. I want my {$100.00} statement credit! At this point I don't think I should even have to meet ANY terms since they saw fit through -through their scamming- to ensure that I wouldn't be able to meet any Terms at all.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXX XXXX Date opened XX/XX/2020 Balance : {$2400.00}