davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XX/XX/2023 I had an unauthorized debit transaction made on my account at XXXX totaling {$610.00}. I called Bank of America immediately and reported it. I was told I would receive a temporary credit within the first 48 hrs, but they refused to release the funds. Now every time I call they tell me it's tomorrow, and I called again today and was told that I didn't qualify to receive credit for the fraudulent transaction on my account. I have been yet to be credited and I need the funds for my bills.
Consumer complaint received 2016-04-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

THIS COMPLAINTS INVOLVES MY CREDIT SCORE FROM TRANSUNION CREDIT AGENCY. EACH FRIDAY I CHECK MY CREDIT SCORE ON XXXX. ON XXXX XXXX, 2016 MY CREDIT SCORE REPORTED FROM TRANSUNION TO XXXX WAS XXXX. WHEN I CHECK MY SCORE THE FOLLOWING, XXXX XXXX, 2016, MY SCORE HAD FALLEN TO XXXX. 
I CONTACTED TRANSUNION AND THEY INFORMED ME MANY FACTORS PLAY A PART AS TO WHY MY SCORE MAY HAVE CHANGED. I INFORMED THEM THAT NONE OF THOSE FACTORS HAVE ANYTHING TO DO WITH MY SCORE, AS MY OUTSTANDING DEBT TO MY AVAILABLE DEBT RATIO, HAD ONLY CHANGED FROM 26 % TO 30 %. AND THAT SHOULD NOT HAVE AFFECTED MY SCORE SO DRASTICALY. THAY COULD NOT GIVE ME AN ANSWER AND WOULD NOT ALLOW ME TO OPEN A DISPUTE. ANY ASSISTANCE YOU MAY BE ABLE TO HELP ME RESOLVE THIS ISSUE IS GREATLY APPRECIATED. I HAVE WORKED VERY HARD TO GET MY SCORE AS HIGH AS POSSIBLE AND AT ONE POINT HAD 89 % OF MY AVAILABLE CREDIT OUTSTANDING AND HAD THE SAME SCORE AS I CURRENTLY HAVE. MY AVAILABLE CREDIT IS {$9100.00} AND MY CURRENT OUTSTANDING DEBT IS {$2500.00} MY EMAIL ADDRESS TO RESPOND TO THIS COMPLAINT IS REGARDS, XXXX
Consumer complaint received 2023-04-07
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2017-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (RI)

On X/XX/17 at XXXX I called Santander Banks mortgage service number at XXXX. I was trying to find out how to begin making bi weekly mortgage payments. The back of my statement states " Any additional funds will be applied to the principal if the loan is current ''. I did not want my payment of XXXX to be applied to principal. Instead I wanted it to be posted as a regular payment and then the other half in the amount of XXXX to be paid on XXXX would make up my full XXXX payment. <P/>I was told that Santander Bank does not accept bi weekly payments. I find it unacceptable that I can not pay the money I owe in a way that reduces the principal of my loan more quickly and will therefore reduce the amount of interest I have to pay and reduce the term of my loan. <P/>Bi Weekly payments seem like a common and pretty basic thing that should be available.
Consumer complaint received 2023-02-14
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. (SC)

In accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2023-02-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MD)

Someone post a rent payment service on XXXX group saying they could pay the rent at discounted rate. They could made the transaction first and then I paid later. I seller them after I saw the transaction was made. But they reversed the transaction several days after. I didnt know it until this week I got a notice that the transaction got reversed because the card holder dispute.
Consumer complaint received 2023-03-01
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. (AZ)

Hello, I have 2 student loans showing on my credit reports that are NOT mine! I believe they belong to my ex-wife and step son. I have NEVER authorized any loan nor did I ever sign any loan request paperwork. Would you please help me get this off of all 3 credit reporting agencies? Thank-You very much, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I got an email notification from Bank of America that my application for a checking and savings account was approved. I attempted to call them and couldn't get through to anyone. I received the debit card in the mail and once again attempted to call. The first time, I was on hold for over 30 mins then got disconnected and the second time, sat on hold for close to an hour then got told I was getting transferred then got disconnected. I did not sign up for any accounts with Bank of America. I did not sign any service agreements or contracts and I didn't sign up for their online banking.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX, Bank Of America, XXXX XXXX have all closed/or denied me of opening accounts because of suspicious activity I have nothing to do with. Id like to open a bank account all banks are saying the same thing.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XXXX XXXX Claim Numbers:XXXX Claim Number : XXXX Claim Number : XXXX Claim Number XXXX These claims were unfortunately all connected. There was an online banking scam with XXXX XXXX and XXXX XXXX that added me fraudulently to their bank account ending in XXXX. This took place on XX/XX/2022. I was a platinum honors client. The two people involved committed online identity theft and linked 3 of my online banking accounts to their fraud account and placed my name on it. As a result they were able to remove funds from my savings, personal checking and business account to their account through online banking. They were able to withdraw large sums of money. When I alerted BOA I immediately went to the branch to withdraw my money due to the lack of security. I was able to transfer my funds to XXXX XXXX. Now BOA states that I have a negative balance in all four accounts due to the money that XXXX XXXX and XXXX XXXX withdrew illegally. 

This is my second fraud case with bank of america in 2022 - I have attached information for all claims
Consumer complaint received 2017-07-13
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc. (OH)

Our friends gave us a gift card which was used by somebody which later we realized charged by  XXXX   XXXX   XXXX . Both happened on the same day of the month.  XXXX  of  XXXX  and  XXXX  of  XXXX . We realized last month and opened a case with company. Then we went to oversees for a vacation and I came back yesterday. I found that the response letter I got from  Blackhawk  company was frustrating. They are asking original receipt and activation code of the gift card. As it can be inferred from the name it is a gift card and I did not buy this so I will never be able to send these information. I sent them the picture of gift card.  <P/> The gift card name is  GIFT CARD , from blackhawk network.  <P/> Since my gift card has been deactivated I can not call their customer service. They have this weird rule. As soon as you dial your card number it says it was deactivated and no way I can reach customer representative.  <P/> They also stated that I had to respond them in 10 business day but I might have already missed it due to my oversees travels.
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2018-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (OH)

In XX/XX/XXXX, I applied for my mortgage company to remove the PMI off of our home and was told my the company who services our mortgage, Seterus , Inc that I would need to order an appraisal. I agreed. We received an appraisal and Seterus indicated that the PMI cancellation was denied because my LTV should have been at 77 %. I always thought that it needed to be at 80 %. Anyway, they asked that I pay in excess of XXXX to cancel the PMI or wait until XX/XX/XXXX and the PMI would automatically cancel from the home. In XX/XX/XXXX, I spoke to a supervisor by the name of XXXX in their Oregon office and he reassured me that the PMI was scheduled to cancel on XX/XX/XXXX and provided me with my new payment which was {$140.00} less than the actual payment. When XX/XX/XXXX mortgage statement arrived, I noticed that the payment had not dropped the PMI. I called Seterus and now their saying they did not drop the PMI cause my home is listed as an investment property. This information is far from the truth and they are not willing to drop the PMI off of the home for their own selfish reasons and I need help on them honoring their letter.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an an account without my written instructions under 15 USC 's 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 2024-07-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

XX/XX/XXXX somebody stole my email and somehow got access to my Wells Fargo bank account. I was at a pool party with my friends and did not touched my phone at all like in XXXX hours. When I got how I was trying to pay my bill phone and my card got declined. The payment went through, but my account was in negatives. It was super weird to me cause I got paid that same day in the morning a total of {$710.00}. I had {$140.00} more besides the money of my paycheck. Total money in my account when I checked it the morning was {$850.00} and some cents. Went I logged in into my account to check what happened to my money, there were XXXX transactions through XXXX. XXXX for {$150.00} and the other for {$700.00}. I immediately panicked because it was my paycheck and I needed that money to pay out my bills. So, I was about to call my boyfriend through XXXX when I noticed I couldnt login. It said somebody had accessed to it. So, I logged in into my email and noticed that somebody changed my password and email from XXXX and made those transactions through XXXX. It was already midnight when I called the XXXX XXXX and Wells Fargo to make a complaint. Days later I got letters from the bank with just my new card and information. Not an answer of what happened to my money. I immediately call and they told me that my complaint had been rejected. This because I had my XXXX ID set up to log in into the bank. With this they can prove that was me who made those XXXX transactions. While all this happened, my instagram account was hacked like I mentioned. They starting posting screenshots of my bank account and other one from cash app even though I dont own one.
Consumer complaint received 2024-05-07
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

Synchrony bank has taken over for XXXX with the XXXX credit card. Synchrony bank NEVER notified my that they were taking over for XXXXXXXX XXXX. All of my statements and emails up until XX/XX/year> contain the name XXXXXXXX XXXX Additionally, I have a new account number. I was not made aware that account numbers will change. Furthermore, the website where payments have been made in past has been removed, eliminating my ability to pay my bill. I was able to clear this up by calling Synchrony. Unfortunately, they have reported the late payment to the credit agencies. I do not think this is fair as I wasn't able to access the website, as I didn't have access to my new account number or the knowledge that the website and servicing company had changed.
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (WA)

On XX/XX/XXXX I got a statement in the mail saying that I owed over {$3900.00} due to several purchases made on a new Best Buy credit card. Someone fraudulently opened this account in my name after a security breach, so I filed with the credit reporting agencies, XXXX XXXX, and Best Buy. The statement lists the purchases as having been made on XX/XX/XXXX for {$1700.00}, XX/XX/XXXX for {$850.00}, XX/XX/XXXX for {$990.00}, and on XX/XX/XXXX for XXXX in XXXX. The first XXXX look like computer purchases while the fourth is listed as " XXXX ''. 

Best Buy opened an investigation and on XX/XX/XXXX Best Buy sent me notice claiming that I had benefited from the fraud ( they had no evidence for this claim ) and demanding I pay the balance on the closed account.
Consumer complaint received 2016-02-27
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (MD)

Calls 4-5 times a day, leaves a message not saying who they are, and when I do answer they do n't say who they are and ask me to hold to talk to someone after talking to someone. I get calls at random times of day Monday - Sunday. Even worse is my loan is t late. They call for payment on a loan that is current.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CO)

I've tried several times to get my credit report from all of the credit bureaus. However, they then ask me for copies of social security and driver license. I've sent them four different times. Still over two years have not got them. I'm not sure what else to do. I've tried to do it on line but each time denied. I had to report identity theft since 2016. Reported to federal trade commission. Don't know if that has anything to do with it. Would appreciate any help.
Consumer complaint received 2023-05-19
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. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-30
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: EQUIFAX, INC. (MI)

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 XXXX account number XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX - XXXX XXXX ACOUNT NUMBER XXXX, ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX, ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER XXXX, ACCOUNT NAME XXXX ACCOUNT NUMBER XXXX, ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX, ACCOUNT NAME XXXX XXXX XXXX  ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX XXXX, ACCOUNT NUMBER 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 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 2016-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been in the process of disputing an account on my credit report that was sent to XXXX XXXX XXXX XXXX # XXXX, XXXX. XXXX XXXX, XXXX . XXXX XXXX XXXX, XXXX, SC XXXX ( XXXX ) XXXX. They have Re-Aged this account from the Date of First Delinquency ( DOFD ) which was XXXX. My attempts to settle this matter with TransUnion have been unsuccessful. My attorney at XXXX XXXX ( XXXX ) XXXX sent a letter to TransUnion with no success. All the CRA did was send me a copy of the account that remains on my credit report stating it was placed for collection on XXXX/XXXX/2014. After I received this I contacted TransUnion to inform I would like a copy of my Consumer Disclosure File, which I am entitled under Section 609 ( a ) ( 1 ). This is a more comprehensive report which will show the complete history of my accounts. I spoke to the supervisor, by the name of XXXX, who stated that there is no such report and I am not entitled to it. I understand that is illegal for them not to provide this to me. I have also filed a complaint with the State Attorney General 's office in California. I would like resolution concerning this matter. TransUnion needs to immediately remove this from my credit report. I also feel they should be fined for this illegal activity.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

LATE PAYMENTS ARE REPORTED ON STUDENT LOANS WHICH WERE IN DEFERMENT AND THEN LATER CONSOLIDATED. LATE PAYMENTS NEVER REMOVED AND IT IS NEGATIVELY AFFECTING MY CREDIT SCORE. DEFERRED LOANS CAN NOT BE LATE, WHEN NO PAYMENTS ARE DUE. 

FEDLOAN SERVICING OVER 20 ACCOUNTS SHOW LATE PAYMENTS.
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Date Name Address City State Zip Credit Bureau Address City State Zip Re : Fraudulent Credit Inquiry To whom it may concern : Recently i received a copy of my credit report which showed Accounts and Inquiries i didnt not authorize. I understand and aware that you should not put an inquiry or account on my file unless i have approved it. I have provided you with an FTC affidavit report and i am currently working with a police investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts & inquiries removed off my credit file immediately because i did not authorized them and they are fraudulent. I am disputing the accounts and inquiries as an internal dispute and an affidavit.

List fraudulent accounts : a ) XXXX XXXX b ) XXXX c ) XXXX XXXX d ) XXXX XXXX e ) XXXX f ) XXXX XXXX g ) XXXX XXXX h ) XXXX I ) XXXX  List fraudulent inquiries : a ) XXXX  b ) XXXX XXXX c ) XXXX d ) XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely Name