davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : BK OF AMER XXXX Date Opened XX/XX/17 Balance {$4400.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( XXXX ) are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2023-06-16
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-30
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: Experian Information Solutions Inc. (NJ)

My personal information was used without my consent in order to open credit and put inquiries on my credit report which is hurting my credit. 

XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-21
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. (GA)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX XXXX  )XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX  XXXX ), XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX XXXX XXXX  XXXX XXXX ), XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX XXXX XXXX  ), XXXX  XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX XXXX  XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$64.00} XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2021-02-05
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: Chime Financial Inc (FL)

XX/XX/XXXX XXXX was transfered from my chime account though a XXXX XXXX app. 
I disputed the tranaction and they said there was no error and sent a report i do not know the person the money was sent to and only got a partial name and number.
Consumer complaint received 2023-06-16
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. (PA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since XXXXm a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX  accuracy that each item is XXXX XXXX  true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-10-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My wife has been an authorized person on the mortgage for a very long time We have been attempting to get a loan modification and all of the assistance available for home retention. However this process hasn't been the easiest to follow through with due to the fact that Bank of America is inconsistent in communication, there is always an excuse or upon the state of almost completing the modification process there's always things missing even though documentation has been sent more ways than one. On top of that when my wife has corresponded on my behalf due to my absence with the military, assistance hasn't been accurately provided nor have viable solutions been obtained because there isn't consistent communication on behalf of Bank of America. We have never wanted to lose our home. But there are solutions available to aid in keeping the home but, no one has bothered to follow through with my wife which has placed us in an incredibly hard spot.
Consumer complaint received 2022-10-21
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. (NC)

Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. Who verified the accounts? How did they verify? You still have not provided me with the name of the individual, business address and telephone number of the person or business contacted during your re-investigation. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my name on it ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified. 

* Dept of EdXXXX XXXX - XX/XX/XXXX * Dept of EdXXXX  XXXX - XX/XX/XXXX * Dept of EdXXXX XXXXXXXX - XX/XX/XXXX * Dept of EdXXXX  XXXX - XX/XX/XXXX * Dept of Ed/XXXX XXXX - XX/XX/XXXX * Dept of EdXXXX XXXXXXXX - XX/XX/XXXX
Consumer complaint received 2023-04-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Halsted Financial Services, LLC. (TX)

They are calling all my family and harassing them. Telling them they are law enforcement and that they need to tell me Im going to be arrested if I dont contact them. They are posing as law enforcement and that is against the law. They keep calling and texting all my family everyday and they are tired of it.
Consumer complaint received 2022-11-21
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. (KY)

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 



XXXX XXXX account number 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 an 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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe the information is inaccurate.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc. (MN)

I have several store cards and one general credit card with Comenity Bank ( now Bread XXXX ). I have paid them all on time and some in full or down substantially over the last few months. Comenity has not reported any of my on time payments nor the correct balances since XX/XX/2022. All of this would be impactful to my credit score as I am looking to buy a house relatively soon. I would like them to accurately reflect my payment history and balances. I called to get a balance letter for one of my accounts and they told me ( as they have others ) they have had system issues. I can understand a one month issue maybe two but now we are heading into XXXX which would make this the 4th or 5th month with inaccurate reporting. It is unacceptable and they need to do better.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (FL)

To whom it may concern, I am writing to ask for your help. 
Back on XX/XX/2023, I purchased tickets from an online service - XXXX When I agreed to the purchase, I agreed to pay a little less than {$3800.00} ( US dollars ). They were 6 tickets from XXXX XXXX to XXXX, Florida. 
A couple of hours later, I got the confirmation email, and to my surprise- I was charged {$7500.00} ( US dollars ). Later I got an email from XXXX saying that I was being refunded {$290.00}. 
Immediately, I called XXXX to express my concern Their reply was promptly There is nothing we can do about it, you did not purchase insurance for your tickets The price is what you received on your confirmation email. 

Because I did not have any help from XXXX I called American Express to STOP PAYMENT and claim for a fraudulent use of my credit card. The case # XXXX opened. 
The person I spoke to at American Express told me There is nothing to worry about, This happens all the time, we will cancel and stop your payment. I was advised to disregard my tickets ( and not use them ). 

I have had my American Express for over 50 years, I always felt they had my back I never had an issue with a payment or any incidents of fraudulent activity. 
I always fully trusted, what ever I was told by their associates. 
I was told to give 2 weeks for things to process So I called back when I was told The payment had CLEARED and they told me that unfortunately there was nothing they could do. Basically, this new customer relations assistant ( at American Express ) told me that the person who advised me in my first call gave me the wrong information. I ended up purchasing NEW tickets for my vacation! 

I have been on many calls with American Express since this happened, I have asked them to check on the recorded conversations that I have had and every time I hear the same story. 
You are absolutely right let me put in a new claim. Give us a couple of weeks and it will be resolved The 10-14 days go by and I get the same email There is nothing we can do. 

What I do not understand is that I called to ask for an IMMEDIATE STOP PAYMENT ( less than 24 hours after the incident ) because I realized that I had been a victim of fraudulent activity. 
And now no one seems to be responsible, when I was advised by someone in their own team to take the actions I took. 
Otherwise, I wouldve at least used the tickets istead of purchasing new ones!! 

I hope this email explains my situation well enough, but I am available any time for further clarification. 
Looking forward to hearing back from you. 

Regards, XXXX XXXX
Consumer complaint received 2023-03-04
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. (NY)

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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A 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 2023-05-23
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: Experian Information Solutions Inc. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I XXXX XXXX am submitting this complaint that : In accordance with fair credit reporting act.the list of account below has violated my rights and federally protected consumer report. 
XXXX XXXX  -account # XXXX In accordance Fcra 15USC 1681s-2 ( A ) ( 1 ) A Person shall not Furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe information is inaccurate.
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

During XXXX XXXX, Capital One closed my checking account and savings account and restricted access. I had evacuated to XXXX XXXX, Florida which is where the eye of the storm made landfall. 

During the storm, we were trying to make a purchase to be able to watch the news on my phone as the WiFi and electricity had gone out. Our only lifeline to the outside world would have been through the phone but because Capital One decided to close the account, I was unable to use my funds to do so. 

I did not have access to my money or account for the next 24 hours which was desperately needed to get gas and food. I called Capital One and the people I spoke with did not give the slightest amount of care. 

I was told that a dispute I put in several months ago with XXXX had resulted in them closing my account. I disputed XXXX {$6.00} charges with XXXX that I did not authorize and Capital One approved all but one of them. I called XXXX to find out why these were disputed and XXXX couldn't find the charge. Because it was simply {$6.00}, it wasn't worth my time to find out why Capital One reversed the dispute. Fast forward several months and my phone carrier, XXXX XXXX, double charged me for the bill. I immediately disputed the charge with Capital One and then contacted XXXX XXXX. At first XXXX XXXX was unable to see the double charge and stated that the dispute would be the most effective route to get this issue corrected. A few days later, they did find it and refunded me. 

However, during that time Capital One decided to close my account carelessly in the MIDDLE OF A CATASTOPHE!!!!!!!!!! and not give a XXXX about it. 

Now, I want the following to occur : 1. Close my accounts and release the remaining funds OWED to me.

2. Close my credit card account and refund my security deposit 3. Cease and desist ALL communication with me including but no limited to, advertisement, marketing, etc. 

Capital One, its affiliates, subsidiaries, employees, etc. Have NO authority to contact me. 

For the SOLE purpose of this dispute, Capital One may contact me by Phone during business house of XXXX - XXXX EST ONLY and ONLY in regard to this complaint. 

I will also require a response, along with an apology in writing. The way this was handled is absolutely atrocious and I am uncertain how it is legal to steal someones money in the middle of a major catastrophe. What if I was sheltered away from home and needed to access my funds to pay for a hotel or food or gas? 

Do better, but not only have you lost a customer in me, you have gained an enemy and I will forever let everyone know the type of scum this institution is.
Consumer complaint received 2023-05-11
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC (WA)

Certegy Check Services XXXX XXXX declined to cash a company issued check # XXXX from XXXXXXXX XXXX XXXX XXXX on XXXX XX/XX/2023 at the Customer Service Center of XXXX XXXX. By blocking the transaction, Certify Check Services , XXXX implies that it will not honor company checks from a local company, XXXX XXXX XXXX XXXX XXXX. Furthermore, by declining the company check Certegy Check Services implied that the company issued check from XXXX XXXX XXXX, XXXX was fraudulent. This is completely implausible because XXXX XXXX XXXX, XXXX is a globally recognized company that issues checks to employees. Certegy never had any reason to delay or deny services.