davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (FL)

On XX/XX/2023 someone fraudulently withdrew XXXX from a XXXX XXXX XXXX  in XXXX out of my account. I immediately contacted my bank Netspend on XX/XX/3023 and advised of the unauthorized activity. As requested the same day I submitted written notice of my claim and it was accepted. Netspend did a 10 day investigation never offered a provisional credit and closed the claim without refunding my money though I did not withdraw the funds or authorize the withdrawal. My debit card is in my possession.
Consumer complaint received 2023-03-12
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. (FL)

15 USC 1681 section 602 states I hav the right to privacy.

USC 1681 Section 604A, Section 2 It is also States, a consumer credit reporting agency cant furnish an account without my without my written authorization and instructions.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Early Warning Services, LLC (SC)

I received a letter from XXXX  XXXX XXXX, stating I recently applied for a checking account with their bank, and I've never applied for an account.
Consumer complaint received 2023-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am a first-year international XXXX XXXX  at XXXX University ( please refer to Attachment 1 for proof ). I opened both a savings and a checking account at Bank of America ( BoA ) on XXXXXXXX XXXX XXXX, with the intention of using these accounts to manage my university stipends and cover my daily expenses. However, things did not go as planned. 

On XXXX XXXX, I received a paper check for my first month 's stipend, totaling {$6600.00}, from XXXX University ( please see Attachment 2 for my funding letter and Attachment XXXX for my paystub ). I deposited this check at a BoA ATM. Unexpectedly, on XXXX XXXX, I discovered that my accounts had been locked ( please refer to Attachment 6 for my transaction history ), and all my deposited funds were frozen. 

Concerned, I visited a BoA branch the next day to inquire about the issue. A specialist informed me that BoA had decided to close my account, suspecting that the check I had deposited was fraudulent. To substantiate my claim, I provided BoA with the front page of my check ( Attachment 2 ), confirming that XXXX University had indeed issued a legitimate check to me. 

However, when I revisited the branch on XXXX XXXX to follow up on my case, I was informed that their decision to close my accounts was final, and my check was still under investigation, which would take less than 1-3 months. Furthermore, they could only return the check to me if their investigation determined it to be genuine. As of today, the entire balance in my checking account, amounting to {$6800.00}, remains frozen by Bank of America. 

All the funds in my account are legitimate, and the check I received was issued to me by XXXX University for my stipend. Given these facts, I have no idea about why BoA chose to freeze my funds and close my account. Their actions are entirely baseless and have had a significantly adverse impact on my life. 

I hereby demand the following actions from BoA : 1. Swiftly restore access to my accounts. 
2. Release the frozen balance in my checking account without delay. 
3. Given that this situation arose due to BoA 's errors, and I have not engaged in any fraudulent activity, I insist that this case should not have any negative impact on my credit history. 

Attachments : ( 1 ) My XXXX University student ID ( 2 ) My funding letter from XXXX University ( XXXX ) My paystub from XXXX University 's portal ( 4 ) The front page of the check from the Trustees of XXXX University ( 5 ) Photographs of the check ( 6 ) My transaction history, provided by the Bank of America XXXXpecialist.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

There are XXXX accounts on my credit report and the XXXX reporting agencies show differing account numbers and information. 

The account numbers as listed on statements from XXXX had the XXXX numbers listed as belowXXXX - working capital business line of credit XXXX ; XXXX - business loan XXXX XXXX XXXX The business loan was paid online via XXXX web portal therefore, I never interacted with a collection agency so the information on my credit report is misleading. The agencies are showing accounts in collection which is not correct. 
See attachments showing online payment directly paid to XXXX via my online XXXX account. 

XXXX ) The working capital line of credit was settled with XXXX XX/XX/2021 with the agreement betweenboth parties signed on XX/XX/2021, that derogatoryinformation would be removed from the credit reporting agencies and any court filing would be dismissed and removed from the courts. 

I don't recognize the account numbers listed with the credit reporting agencies as they are not the account numbers as provided to me from XXXX and the information on these alleged accounts does not have the accurate information. 

I am requesting that this account is removed from my report.
Consumer complaint received 2023-12-27
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. (LA)

I, XXXX XXXX XXXX XXXX, have been a victim of identity theft due to the XXXX Data Breach and the XXXX  XXXX Data Breach, which exposed all of my personal information as a XXXX  resident. I'm XXXX years old and have been doing an excellent job of watching my credit report when possible. Still, unfortunately, I have been a victim of identity theft, and my credit report is not reflecting accurately with several inquiries that are not mine, not of my knowledge, and due to identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no account with the companies below, and the identity theft inquiries are as follows.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

There are XXXX accounts on my credit report and the XXXX reporting agencies show differing account numbers and information. 

The account numbers as listed on statements from XXXX had the XXXX numbers listed as below:379845444451000 - working capital business line of credit XXXX ; XXXX - business loan XXXX XXXX XXXX The business loan was paid online via XXXX web XXXX therefore, I never interacted with a collection agency so the information on my credit report is misleading. The agencies are showing accounts in collection which is not correct. 
See attachments showing online payment directly paid to XXXX via my online XXXX account. 

XXXX ) The working capital line of credit was settled with XXXX XX/XX/2021 with the agreement betweenboth parties signed on XX/XX/2021, that derogatoryinformation would be removed from the credit reporting agencies and any court filing would be dismissed and removed from the courts. 

I don't recognize the account numbers listed with the credit reporting agencies as they are not the account numbers as provided to me from XXXX and the information on these alleged accounts does not have the accurate information. 

I am requesting that this account is removed from my report.
Consumer complaint received 2023-04-22
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: EQUIFAX, INC. (PA)

In accordance with the fair credit reporting act the accounts listed below has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A States that i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 States that that a consumer agency can not furnish a account without my written instructions.
Consumer complaint received 2023-01-25
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. (IL)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I went to use my credit and was told that it showed I owed Child Support Payments. I called XXXX, Experian and XXXX to inform them that there was incorrect information and was told to send in a dispute. I do not know how this happened as I make all my payments and this incorrect reporting is affecting me growing my finances. I am providing proof of my child support payments that are automatically taking out of my paycheck weekly.
Consumer complaint received 2023-10-09
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: Experian Information Solutions Inc. (IN)

XXXX XXXX  sent me a letter stating the account in question was charged off XX/XX/XXXX due to non payment with a balance of {$4000.00} XX/XX/XXXX the account was placed with XXXX XXXX XXXX XXXX to assist in collection efforts. 

On XX/XX/XXXX a lawsuit was filed with First District Court XXXX XXXX, State of Illinois, but later dismissed WITHOUT prejudice on XX/XX/XXXX. I ask that you immediately investigate and confirm this debt was dismissed without prejudice and remove it from my credit report and all of XXXX XXXX  records as the debt is no longer owed or valid.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

There are XXXX accounts on my credit report and the XXXX reporting agencies show differing account numbers and information. The account numbers as listed on statements from XXXX had the XXXX numbers listed as belowXXXX - working capital business line of credit XXXX ; XXXX - business loan XXXX XXXX XXXX The business loan was paid online via XXXX web portal therefore, I never interacted with a collection agency so the information on my credit report is misleading. The agencies are showing accounts in collection which is not correct. See attachments showing online payment directly paid to XXXX via my online XXXX account. XXXX ) The working capital line of credit was settled with XXXX XX/XX/2021 with the agreement between both parties signed on XX/XX/2021, that derogatory information would be removed from the credit reporting agencies and any court filing would be dismissed and removed from the courts. I don't recognize the account numbers listed with the credit reporting agencies as they are not the account numbers as provided to me from XXXX and the information on these alleged accounts does not have the accurate information. I am requesting that this account is removed from my report.
Consumer complaint received 2023-10-09
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: DISCOVER BANK (IN)

Discover Bank sent me a letter stating the account in question was charged off XX/XX/XXXX due to non payment with a balance of {$4000.00} XX/XX/XXXX the account was placed with XXXX XXXX XXXX XXXX to assist in collection efforts. 

On XX/XX/XXXX a lawsuit was filed with XXXX XXXX XXXX XXXX XXXX, State of Illinois, but later dismissed WITHOUT prejudice on XX/XX/XXXX. I ask that you immediately investigate and confirm this debt was dismissed without prejudice and remove it from my credit report and all of Discover bank records as the debt is no longer owed or valid.
Consumer complaint received 2020-03-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLIANT CREDIT UNION (NY)

XX/XX/XXXX i received a letter from alliant credit union stating that they voted and that XXXX of them decided to close my account, no reason was given however my account has no wrongdoings, and i didnt receive any infomation as to why my account as closed, and no warnings, only that on XX/XX/XXXX all my accounts will be closed
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (VA)

I am filing a complaint about Chase XXXX. 

I accepted a balance transfer offer for XXXX  % interest through the end of 2024. I have set up automatic payment to pay this balance in full before the required date. 

In the interim, I have made a few purchases using this card. I have made payments far exceeding the balance of these purchase and, yet, I am still being charged interest. 

I am told that since I accepted a promotional offer, that ALL new purchases will be charged interest from the minute the purchase is made. This varies from the original terms of the card which state that if the balance is paid in full before the due date, no interest will be charged. 

This change was NOT made clear when I accepted the transfer offer. I am paying off my purchased every month as well as making large payments toward the promotional balance. 

This is EXTREMELY shady on Chase 's part. I have done balance transfers with other companies in the past and this has NEVER happened.
Consumer complaint received 2023-10-09
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. All accounts listed above. Has violated my rights. 
15 U.S.C 1681 section 602 A. States i have the rights 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.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX has violated my rights. 1 5 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 ins tructions
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

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 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 SECTION 602 STATES THAT I HAVE THE RIGHT TO PRIVACY!! 15 USC 1681 Section 604 a section 2 it also states that a consumer reporting agency can not furnish an account without my express written consent ; under 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.
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of XXXX, and I kindly request that you address it promptly.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-01
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (GA)

West Portfolio Management took over my car loan when XXXX XXXX XXXX went out of business back in XX/XX/2023. Since they've had my account it has been issues. I honestly call 3times a month, last call was XX/XX/XXXX. Can't remember how many times I asked to refinance. Most of my experiences are completely the same. First, was charged a late fee due to my loan not being in system. Second, they have changed my contract payments, but still have my contract posted on my account. I even explained that I am a XXXX veteran with a fixed income. Especially, since they barely speak English. Third, if u request a supervisor/manager, since the call center only accepts payments, you will be lied to and transferred to another agent pretending to be a supervisor/manager until you get annoyed and hang up. Fourth, if they take your contact number and reply " a manager with contact you in XXXX '' I guarantee you they won't. All they want you to do is pay, regardless if you're contract has been breached. Fifth, the online account won't allow me to pay more than what my contract states online, yet I owe more than I ever have. Sixth, I'm stressed out behind this recurring monthly issue. My XXXX  and XXXX is getting worse thanks to this. Seventh, there are a bunch of negative reviews online about West portfolio management playing around with people accounts and no one to communicate with them about it. I live alone in my city and know no one, my vehicle gets me to my appointments and grocery store, neither are in walking distance.
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hello, My name is XXXX XXXX and I have been a Bank of America cardholder since 2008. I am sending this message as a complaint against Bank of America due to a mishandling of my request. I had contacted them regarding the removal of some interest on my balance, which I had paid in full. I requested a refund of the interest that was charged, but the representative I spoke to denied my request in a rude manner. I asked to be transferred to the manager, whose name is XXXX and who is located in the Texas branch, and she also spoke in a rude manner and denied my request. I, finally, contacted the corporate office and spoke to XXXX XXXX, who was also unprofessional. I explained to all of them that I had a family emergency, which I was forced to attend, and which resulted in my balance accumulating interest in the meantime. No one was willing to understand my situation even though my payment history is pristine and I have always paid higher than the minimum. I am humbly requesting if I can get a refund for the interest that was charged on my account. It would really help if Consumer Finance can help me resolve this issue. 

Thank you, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, NY XXXX