davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have a credit card with Bank of America. I paid off the card and then started getting charges for XXXX XXXX XXXX XXXX XXXX college. I called to report four fraudulent charges on my card between XX/XX/XXXX and XX/XX/XXXX. The claims person took the information and repeated it back to me correctly and then promptly cancelled the card.. I was out of the country at the time and this card was locked away. I looked at my account again on XX/XX/XXXX and noticed 2 of the four charges were not addressed and another, new fraudulent charge was made on XX/XX/. I decided it best to call when i was back in the states. When I got home today, XX/XX/XXXX, I received my new card and at XXXX XXXX I called customer service to report that they neglected to address two charges as part of my original claim and that I had a new fraudulent charge after the card was canceled. Customer Service told me to call claims at XXXX. I called claims and waited XXXX minutes. The rep in claims told me I had to call fraud because if she added these charges to the claim, she would have to cancel my new card. She said, I should reference my claim XXXX. XXXX. Oddly, she gave me the same phone number I used to reach her ( XXXX ). I called Fraud and waited an hour to speak with a Fraud rep. The Fraud rep told me i had to call claims because the fraudulent charges are part of an existing claim. I explained that I just called Claims and was referred to Fraud. The rep then put me on hold for another hour and was sent back to Claims. The the claims rep again refused to help stating I needed to call back the Fraud department tomorrow ( at the same number i called for both Claims and Fraud ) and speak to someone in Fraud. At this point id been on the phone betw. these two departments for 3 hours and neither would help investigate and/or remove the fraudulent charges. I wanted to cancel the card at this point and was told that if I did, I would be responsible for paying all fraudulent charges in full. No one in Bank of Americas customer service, customer claims or fraud departments could help me. I was told to call back at the same number yet again. I can not afford to take hours off of work to find someone at the bank to resolve the fraudulent charges. All other banks have customer service that helps resolve in one call. No one at Bank of America will help. i disputed the charges online and the system told me to contact customer service. I am at a loss and very frustrated.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX company still has my account with a balance of XXXX with XXXX when the balance is XXXX, paid in full. Also XXXX and Equifax have not included this trade line on my credit report and i have requested that it to be reported since it is with one major bureau, that the other 2 agencies should report the same.
Consumer complaint received 2023-10-05
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. (CA)

n accordance with the Fair Credit Reporting act XXXX Account 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX. XXXX : Acct # XXXX XXXX. XXXX  : Acct # XXXX XXXX : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX. XXXX : Acct # XXXX XXXX. XXXX XXXX XXXX : Acct # XXXX XXXX. XXXX : Acct # XXXX XXXX. XXXX : Acct # XXXX XXXX. XXXX : Acct # XXXX XXXX. XXXX : Acct # XXXX XXXX. XXXX XXXX : Acct # XXXX XXXX. XXXX XXXX : Acct # XXXX
Consumer complaint received 2024-04-10
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. (VA)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items 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 deletion due to inaccurate reporting 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
Consumer complaint received 2024-04-10
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)

I believe FCRA 605B says we must take out any wrong accounts from my credit report. Can you check the papers? Some accounts listed are wrong in terms of what's reported, like wrong amounts and dates.
Consumer complaint received 2024-04-10
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. (TX)

I am writing to formally dispute unauthorized inquiries on my TransUnion credit report, which have recently come to my attention. These inquiries were conducted without my consent or authorization, and as such, I request their immediate removal from my TransUnion credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically sections 609 ( a ) ( 2 ) and 611 ( a ) ( 1 ) ( A ). 


XXXX XXXX XXXX XXXX XXXX - I dispute this unauthorized inquiry listed on my credit report. I did not authorize or initiate this inquiry. I demand an immediate investigation into the legitimacy of this unauthorized inquiry. I insist on its prompt removal from my credit report. 

XXXX. XXXX XXXX - XX/XX/XXXX - I dispute this unauthorized inquiry listed on my credit report. I did not authorize or initiate this inquiry. I demand an immediate investigation into the legitimacy of this unauthorized inquiry. I insist on its prompt removal from my credit report. 

XXXX XXXX XXXX XXXX XXXX -I dispute this unauthorized inquiry listed on my credit report. I did not authorize or initiate this inquiry. I demand an immediate investigation into the legitimacy of this unauthorized inquiry. I insist on its prompt removal from my credit report. 

XXXX XXXX XXXX XXXX  - I dispute this unauthorized inquiry listed on my credit report. I did not authorize or initiate this inquiry. I demand an immediate investigation into the legitimacy of this unauthorized inquiry. I insist on its prompt removal from my credit report. 

Under Section 609 ( a ) ( 2 ) of the FCRA, consumers have the right to request the disclosure of their credit report, including the sources of inquiries made within the past XXXX years. Upon reviewing my credit report, I discovered unauthorized inquiries that were not initiated or authorized by me. These inquiries have negatively impacted my credit score and financial standing.

Furthermore, under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, consumers have the right to dispute inaccurate information on their credit reports and request its correction or removal. The unauthorized inquiries on my credit report are inaccurate and misleading, as they do not reflect any legitimate credit transactions or applications initiated by me.
Consumer complaint received 2023-09-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (IL)

I bought a car in XXXX from XXXX XXXX for {$26000.00} my interest rate was 18.95 % the car should have cost me {$46000.00}. Payments of {$620.00} a month for 72 months with Regional Acceptance Corp. 

Now I have had financial difficulties in the last 8 years and do admit with getting extensions and late payment for the last 8 years of paying for my car. I even filed bankruptcy 2 times. 
However I still paid {$51000.00} to Regional in the last 8 years, of that {$51000.00} only {$9500.00} went to the principal of the car, {$31000.00} went straight to interest and {$4800.00} went for late and other fees. Now they are stating I still over {$19000.00} on the car. 
That would mean I paying almost {$71000.00} for a {$30000.00} car that is only worth {$5000.00}. 
attached are all the documents. 
This car should be paid in full. Please help. This company took all the money for interest and never paid anything for my car. Even making a {$1200.00} payment after bankruptcy on XXXX it went all to the interest.
Consumer complaint received 2018-08-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: AR Resources, Inc. (NJ)

Company has called several times and left message stating " Important message, this is AR resources this is a message from a debt collector please call XXXX '' When called back the phone immediately went to voicemail. The phone was answered again by a man that demanded information such as address and social security number and provided a ten-year old address as verification of my identity. He then called from a different number ( XXXX ) to continue verifying information. He stated that the supposed {$700.00} ( approx. ) I owed to a school from ten years ago was in collections and that they had sent mail that I had ignored ( again the only address listed was from 10 years ago ) There is no debt owed to this school and I have never been contacted regarding this previously. It is my impression this is a scam.
Consumer complaint received 2024-04-10
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. (NY)

As a XXXX XXXX whose identity has been stolen, I am seeking assistance in resolving this matter. My consulate directed me to the FTC website, but I am unfamiliar with the process. I believe someone has used my information to open account that do not belong to me. Could you please assist me in having this account removed? Below is the account in question : XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to dispute the late paymentreported on my credit report. Upon reviewing my credit report, I have noticed discrepancies that inaccurately reflect my payment history. Specifically, thelate paymentlisted on XXXX  with account number XXXX, which I believe are erroneous. 

According to Section 611 of the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports. The FCRA requires consumer reporting agencies to conduct a reasonable investigation into the disputed items and correct any inaccuracies.
Consumer complaint received 2024-04-10
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 already wrote to Transunion twice now to dispute several hard inquiries that appear on my Transunion credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act : XXXX. XXXX XXXX  ( XXXX ) XX/XX/2024 XXXX. XXXX XXXX XXXX  ( Bank ) XX/XX/2024 XXXX. XXXX  XXXX ( Bank ) XX/XX/2024 Transunion is refusing to do my investigation. Please see the attached old and follow up letters.
Consumer complaint received 2024-04-10
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)

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy : Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXXXXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-09
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: Experian Information Solutions Inc. (NJ)

This complaint is over XXXX  days and should be removed from my credit report because based on the fair credit report agency anything over XXXX  days or XXXX  days is noncompliant and must be removed from my credit report
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRSTBANK PUERTO RICO (AR)

I opened this checking account at the XXXX XXXX branch. I encountered problem after problem, eventually leading to me requesting the account be closed. I am not bilingual & the English-speaking bankers did not seem to be able to understand my requests either. I requested to update my phone number multiple times ; I was told it was completed, but it still has not been completed. I requested to update my address, and even provided a utility bill showing that the address was incorrect. That was not completed either. I received a debit card with the incorrect name & was then told I'd need to go back to the branch to have it corrected. I did so, and it took 3 hours to get my request completed. I requested checks on four separate occasions, but they were never sent. Eventually, because of all of the continued problems I requested that the account be closed. I was told that it was, and confirmed. This was in XX/XX/2022. As it turns out, the account was not closed & was left open. The bank then proceeded to charge off the account after assessing dormancy fees & overdraft fees on the dormancy fees. None of these fees are valid & should be immediately reversed. Further, the bank has reported the checking account as being charged off with a balance of {$13000.00} to XXXX. That is absolutely incorrect.
Consumer complaint received 2024-04-10
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)

Formal Dispute of Unauthorized XXXX  XXXX XXXX Account I am writing to formally dispute the existence of an account under my name with XXXX XXXX XXXX that I believe has been opened fraudulently and without my consent or knowledge. I only became aware of this account by reviewing my credit report on XXXX, which indicates an account listed by XXXX XXXX XXXX [ insert any account number or reference if available, or state 'with no specific account number provided ' ]. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or fraudulent information on my credit report and request that it be investigated, corrected, or removed as necessary. This unauthorized account is not only inaccurate but also damaging to my credit standing and is the result of identity theft. 

I hereby request the following actions be taken as per the FCRA guidelines : Verification of the Account : Please conduct a thorough investigation into this account to verify its authenticity, how it was opened, and any documentation that was used to establish this account in my name. I assert that I did not authorize the opening of this account and have no knowledge of it prior to my credit report review.

Immediate Freeze on the Disputed Account : Pending the investigation, I request an immediate freeze on the account in question to prevent any further fraudulent activity.

Correction of Credit Reports : Should the investigation confirm that the account was indeed opened fraudulently, I demand that this account be removed from my credit report with all three major credit bureaus ( XXXX, XXXX, and TransUnion ) to correct the information and restore my credit score. 

Written Documentation : I request written confirmation of the investigation 's findings and a confirmation letter once the account has been removed from my credit reports. 

I expect a response to this dispute within the legally mandated timeframe of 30 days as outlined by the FCRA. Should you require any further information or documentation from my side, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your immediate attention to this serious matter. I trust in the Consumer Financial Protection Bureau 's commitment to protecting consumers against fraudulent financial activities and credit reporting inaccuracies. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-10
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. (NY)

When I reviewing my credit report, I was astounded to discover several inaccuracies that require urgent attention. Specifically. I don't know why this company has included this information on my credit report, as I have never missed a payment with any of them. I urge you to update this account promptly. Your assistance in resolving this matter is greatly appreciated. Thank you for your attention to this issue. I request an investigation into this account : XXXX XXXX XXXX
Consumer complaint received 2024-01-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (GA)

on XXXX XXXX I tried to cash in some ETH ( ethereum ) from my coinbase wallet to my coinbase account. When sending the transaction the phone kept saying error. I looked up Coinbase transaction where they sent me ETH to my coinbase wallet and used that address. Well it sent the XXXX of ETH to Coinbase XXXX where they sent me some ETH prior. So it went through. The ETH went to Coinbase corporation instead of my coinbase account. They have several times changed their rules on taking out so much and limiting no more than XXXX. So now they have XXXX ETH in their Coinbase XXXX account and have ask them for it several times, like 4 times one verbal and three emails. They said their working on it and then XXXX XXXX i get an email they are closing the case. They did not return my email on not closing the case. So this is theft if they do not send me the ETH to my coinbase account.. Coinbase says they are not responsible for Coinbase wallet. and Coinbase wallet is not responsible for Coinbase. CASE # XXXX Started on XX/XX/XXXX to XXXX XXXX XXXX I have the screen shots on my phone but I do not know how to send them for a file. The Coinbase wallet address is XXXX from XXXX to XXXX ( coinbase XXXX ) they have possesion of that XXXX ETH and it is not theirs.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I looked at my report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts : XXXX XXXX XXXX Account number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX Account number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX All companies violation of many laws with the account, Charged off/ written off accounts can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! XXXX is in violation of FCRA 15 USC Code 1681e B. As well as 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FUR-NISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION.
Consumer complaint received 2024-04-10
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. (TX)

I called into credit union and requested my credit report and I noticed that had some hard inquires on my report. I called in a wanted them removed because and they are incorrect and they don't have permissible purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-10
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)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.