davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i opened my account back in may with BANK OF AMERICA and it was fine until somehow i was notified i was put on a fraud restriction.following that i was made aware that the representative who help open my account had never cancelled original one instead opened 3 new accounts and attempted to run my credit for a credit card i did not authorize and that was i was put on a fraud alert then everything became a problem. i received a check for a payment i received for work and it came back bounced, which all my previous checks were good checks and were credited. following that i got a letter that my accounts were closed without further notice date XX/XX/2021 and i had no access i had funds of XXXX and was told id receive a check.i had payments and deposits that were gon na start being deposited and still havent received them because they refuse to fix the issue. i was told to go in person to the branch so i did and still nothing, ive received checks from Bank of america in the ammount of XXXX and XXXX which were no good.ive had about 9 credit inquiries that were not me and they agreed to remove and 2 months latter nothing i founf out i have 7-9 opened accounts that i was not aware of some with balances and yet they say they will close them but nothing i keep receiving debit cards issued by them and constant statements and whe i call im on hold for usually 2 hours before the representatives hang up. this has cause so much stress and financial loss due to time spents and trying to regaing my funds back and have put me on alert with other banks due to their employess mistakes ive supplied documentation to prove identity and went in person to a branch and nothing works.i need this issued solved before i take this to court and file a law suit.
Consumer complaint received 2023-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I submitted a dispute twice with Transunion and XXXX about them unlawfully reporting State of Ct Dept of Soc Svcs child support on my credit report without my consent and each time I disputed it, it came back accurate. My latest dispute was XX/XX/2023. 
I have not given you written permission to put anything on my consumer report 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 

You have no permissible purpose by law to contact third parties with my private or personal information. I demand this account be deleted immediately off of my credit report.
Consumer complaint received 2021-02-04
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. (NY)

This is my last option before I escalate this matter through the legal system. I have been attempting to remove fraudulent accounts from my credit report since XX/XX/2020 and for a process that should take no longer than 30 days, it has been over 240 days and I have neither received any investigation confirmation nor any result notices. The funny thing is, even the inaccurate personal information that was requested to be corrected, hasn't been done so. The fraud accounts are still showing on my report and it seems the bureaus are perfectly fine with violating my rights under the FCRA and the federal law. As stated, this is the last option before a lawsuit option is pursued.
Consumer complaint received 2023-03-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter asking XXXX, Transunion, and XXXX to investigate my accounts. It has been over 30 days. These consumers reporting agencies are in violation. According to 15 USC-1681iXXXX, Transunion, and XXXX have 30 days to investigate and sent me these letters. And they also didn't even record the current status of the disputed information in which is another violation. I have all the evidence attatched below.
Consumer complaint received 2023-07-22
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$16000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2021-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: STERLING JEWELERS, INC. (WI)

- XX/XX/2019 - inquiry - an inquiry was made on my credit report, i have no knowledge of this inquiry, please delete it off my credit report
Consumer complaint received 2023-07-22
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. (NY)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$40000.00}.
Consumer complaint received 2023-07-22
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRIES REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD INQUIRIES 4inquiries These lenders have accessed your credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

There is a car company that I financed through called XXXX XXXX XXXX. To make a long story short, the car was repossessed. Shortly after I received a letter from XXXX stating the balance that I owed on the vehicle. It was strange because the letter didn't show when the vehicle was sold, what date, etc. It just had the debt that was allegedly owed. So I requested that XXXX XXXX show proof that the debt is valid by sending me the invoice of resale for the vehicle. According to XXXX  law, they have to sell the repossessed vehicle in a commercially reasonable manner. XXXX refused to send me the proof. I disputed this with all three credit bureaus. XXXX  and XXXX  removed XXXX from my report but Experian continues to report the debt inspite of my numerous disputes. Experian is now at this minute reporting that I have 38 charge-offs with XXXX XXXX XXXX. They are even reporting that I owe XXXX over XXXX more than what I paid originally for the vehicle. This is obviously inaccurate because I made payments before the repossession and they " allegedly '' sold the vehicle. So my balance wouldn't be higher. Experian is also refusing me the opportunity to dispute online claiming it is for security reasons. I dispute items online all the time with all three bureaus and never had a problem before. A year ago when I talked to a representative concerning my dispute, he refused to put my information in verbatim. He was asking me questions so he could re-word my answer. As a result my dispute was not resolved. Just recently I reported that an account by XXXX XXXX for consumer energy was paid and Experian still reported it as a debt. Bottom line this company is not doing there due diligence to investigate these claims. I believe they simply tossing a coin to waste time and then reporting it's accurate. This type of negligence should be investigated and it will not tolerated.
Consumer complaint received 2021-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (VA)

They're saying I owe XXXX when I don't. I fulfilled my contract and never renewed. Called and cancelled three weeks early. No one said a word about me owing anything. Credence started calling and I told them I fulfilled my contract. Also told them they can not produce any contract I have signed digitally or otherwise. He said they would put it's under dispute. Month later calls me back and same thing. Said he'd put under dispute again. Another month they start calling again.Never produced a contract or copy. Stopped answering after looking up credence and seeing their several complaints. Now they put an illegitimate debt on my credit report!
Consumer complaint received 2021-02-14
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. (VA)

on XX/XX/2021, I attempted to get my free credit report from Equifax using XXXX. As soon as I'm redirected to XXXX, I get a browser error ( ERR_CONNECTION_RESET ). I tried with a different browser and it didn't work there either. ( XXXX and XXXX ) In general, even when the Equifax website does work, I get an error after doing the identity verification, where it says the Online Delivery is unavailable. I then have to request the report via phone, which is an annoying process. 

Also, oftentimes, when I select multiple agencies on XXXX, the session times out before I can get all my reports. This requires starting over and filling out the form again, which is very annoying.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : - XXXX XXXX || Account Number : XXXX
Consumer complaint received 2021-08-05
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 (CA)

I filed a fraud claim with Bank of America and they didn't even attempt to investigate my case. They closed it out immediately without reason. It has come to my attention that there is a case open against them with the federal court. I'm also reaching out to the courts for assistance in this class action. I'm also asking for your assistance in this matter. Thank you.
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, 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. (PA)

I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (NJ)

An employee at my local PNC Bank branch mishandled my funds on XX/XX/XXXX, resulting in the loss of {$14000.00}. She let me in about XXXX minutes after the bank had closed and rushed through a wire transfer, a type of transaction I did not understand, nor ever try to transact before, nor explicitly ask for on this day. I was visibly distraught due to a phone scam situation, however, she did not care or ask what was wrong. She assumed this transfer was what I needed without explaining the transaction type. She did not probe or screen at all for potential fraud, which is the standard protocol of any financial institution. 

I believe the employee could have been involved in the scam, as the caller had mentioned PNC and asked me to visit the branch after an online transfer wasn't possible. Even if not directly involved, the employee was recklessly fast due to the late hour, negligent, and thus, breached her fiduciary duty as a bank employee. By the bank 's own admission she was someone temporarily assigned to the branch during a remodeling project, and lacked proper training. 

I have previously submitted complaint # XXXX with the CFPB, stating that the bank ignored my appeal letter dated XX/XX/XXXX and tried to convince me that the fraud occurred through no fault of their own, but was entirely my fault simply because I'm a senior citizen. 

When the bank responded on XX/XX/XXXX to this complaint, they falsely stated that I had authorized the transfer. The employee forced me to sign a paper prematurely without explaining anything. Her lack of communication, naturally, would not constitute an authorization of anything at all. 

Furthermore, the denial letter states that the transfer was to cover my medical expenses, which is also false. I have never mentioned anything about medical expenses to any of the bank personnel. 

These false statements by the bank lead me to believe that they did not truly investigate the incident, as they had promised, and that they may even be confusing me with another client.
Consumer complaint received 2021-02-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (NC)

Debt paid to hospital, Medi Credit Violation Hippa Laws, used Dr Name from another service and could not validate debt, my EXPLANATION OF BENEFITS DID NOT SHOW owed Dr name used. I contacted hospitals to verify debt, paid debt. MEDI CREDIT THEN proceeded to put paid debt on my credit because I didn't pay them directly.
Consumer complaint received 2021-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (VA)

I XXXX XXXX am a Consumer of the U.S. and anything Purchased with my credit card remains the obligation of the U.S. Pursuant to 15 USC 1601. I never gave consent to Penn Credit Corporation ( third party debt collector ) to obtain any of my information. This is a violation of my privacy and you are in violation. I never signed a contract with Penn Credit Corporation. Pursuant to 15 usc 1692b, a debt collector can not state that this is an attempt to collect a debt. You have again violated my consumer rights as protected by FDCPA. You have mailed my home at an inconvenient time Pursuant to 15 USC 1692c. You will be held criminally liable Pursuant to 15 usc 1640 and civilly liable for all violations Pursuant to 15 usc 1692k.
Consumer complaint received 2021-02-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IL)

I started a contract with Sears Whole Home Warranty in XXXX. I generally paid my monthly home warranty premium $ XXXXmth prior to due date, but in XX/XX/XXXX the premium was double charged in the amount of {$69.00} [ twice ] paid on XX/XX/XXXX and not reflecting on XXXX XXXX XXXX  and paid again on XXXX reflects on XXXX XXXX XXXX  and indicated as not paid on ShopYourWay MC and my water heater also broke down and I have a XXXX and needed the repair done quickly. The {$100.00} deductible was paid on XXXX and reflected on XXXX XXXX XXXX [ partner to Sears Whole Home Warranty ] but it was not reflecting on Citi-ShopYourWay MC ; I was being charged again double for a service I had already paid for ; I paid the {$100.00} deductible again on XXXX { I called, I emailed, I mailed proof of my bank 's proof of payment along with XXXX XXXX XXXX Account portal of my payment history and crossmatched it with Citi ShopYourWay MC payments, with miscellaneous documentation of the emails and calls } all to no avail. The pattern of several calls and emails and a couple of letters continued through XX/XX/XXXX and on XXXX I spoke with a Rep XXXX XXXX # XXXX and was told not to pay the premium due XXXX for {$69.00} due to a dispute being opened and it takes 45-90 days for a decision. Since that call on XXXX, I started getting PAST DUE CALLS and being penalized with late fees/and mounting charges. As a result on XXXX, spoke with XXXX - ID # XXXX and the account was closed. no conf # given I requested in all of the above correspondence for the duplicate premiums paid out along with the late charges and fees attached and most recently the XX/XX/XXXX premium and the XX/XX/XXXX which seemed to be as a result I most recently paid {$210.00} [ XX/XX/XXXX {$180.00} + {$28.00} XX/XX/XXXX ] The most frustrating thing was the two companies Citi SYW MC and XXXX XXXX XXXX pointing the finger at each other in blame with no one giving a solution. After my own research I resolved, several consumers had similar complaints with Citi-Shop Your Way MC and their payments not being processed properly. In total my resolve should be {$270.00} XXXX {$69.00} XX/XX/XXXX premium + {$100.00} XX/XX/XXXX deductible + {$39.00} late fee in XX/XX/XXXX + {$69.00} XX/XX/XXXX charges received well into XX/XX/XXXX after the account should have been closed ] The representatives there on either side are no help what so ever and this whole thing has been a nightmare!
Consumer complaint received 2023-07-22
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXXXXXX XXXX XXXX Balance : {$220.00} XXXX XXXX  XXXX Balance : {$220.00}
Consumer complaint received 2021-02-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synerprise Consulting Services, Inc. (TX)

Credit report showed {$180.00} from Synerprise and I didnt receive any notification about this debt or 30 days to report. The debt has been paid as its medical once I saw it on my credit.
Consumer complaint received 2023-08-29
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Village Capital & Investment LLC (IN)

XXXX XXXX working in concert with XXXX stated on multiple occasions that if I refinanced my VA loan that after 6 months my mortgage loan rate would go back to my original loan rate of XXXX percent from the XXXX percent. This was said by XXXX at XXXX and then again by XXXX at emortgage. After speaking with XXXX capital the gentleman that didn't give me his name said this is a common problem. So I did some research XXXX capital has been fined in the past for doing this exact same thing to veterans a protected class then hiding behind paperwork no one but a lawyer can understand. This company has made a living defrauding veterans and I am fully prepared to file a lawsuit. Class action if needed for all of the points I paid equaling over XXXX and all interest they would have collected over time. XXXX constantly " Checked with the lender '' which was village capital. They can either pay me back my XXXX and put my interest rate at XXXX what it was before I refinanced which I would of never ever ever let go or I can file a formal complaint in court and with the VA and I will make sure they can never underwrite another VA loan or defraud another XXXX veteran ever again. 
Loan : XXXX