davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I opened a Bank of America XXXX XXXX card in flight. When I got my card I tried to set up payments but it takes 2-3 weeks for a password to be set up in order to create the account to make payments. 
I also got a bill in the mail for the {$75.00} annual fee. 
I got my password in the physical mail this week. However in order to get payment processed I had to get deposits to my account and report them to bank of America. By the time I could make a payment ( today ) the annual fee is past due making my card unusable and generating an additional fee. 

When I called the company and explained that I posted payment ( not processed ) and I could not have made payment any sooner due to their own system of payment, they told me nothing could be done and I needed to pay the fee and wait for payment to clear. 

Not only do I have to pay for BoA terrible system of payment, I am unable to use my card and my credit is impacted by a late payment I have no control over.
Consumer complaint received 2022-07-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/XXXX I was contacted by a Social Security agent that was going to help me recover my stolen social # ( XXXX XXXX ). The man, XXXX XXXX sent me his badge & had my local police contact me that there was an investigation. I received this information on my phone while I was driving to a wedding. To freeze my accounts during this trial, I had to transfer some money to a federal account. 
I went to a TD bank in XXXX RI to do a domestic wire transfer of XXXX. 
The money was sent to an account in California. XXXX XXXX XXXXXXXX The money transfer seemed to go out around XXXX on XX/XX/XXXX. 
The next morning I called the XXXX Police to confirm our conversation from XX/XX/XXXX. They said, I did not talk to them. Then, I knew I had been scammed. I called the XXXX TD bank and XXXX filled out a claim form to let XXXX XXXX XXXXXXXX know the funds received was a fraud transfer. I talked to the Fraud department at TD bank & XXXX XXXX XXXXXXXX. On XX/XX/XXXX. I called the Wire transfer departments for both banks for the next 2 weeks. TD bank would not give me the claim #, would not tell me what happened to my money. All I was told was it was being investigated. They would not give me or allow me to talk to the investigator. Later I contacted the manager of my local TD bank & all he could tell me was TD recalled the money & told XXXX XXXX XXXXXXXX to send it back. 
XXXX XXXX XXXXXXXX for 2 weeks would not disclose any information to me because I didnt have an account there. The account in question XXXX XXXX XXXX was not my account. Yet, I have XXXX credit cards with XXXX XXXX  XXXX and had a car loan with them that I paid back. 
So I went to my local XXXX XXXX XXXXXXXX branch and talked to the VP. XX/XX/XXXX He arranged a call to the wire transfer depart of B A. We called & they would only disclose that they reached out to the account & no one called. The VP of the bank said to assume the money went into XXXX XXXX account. 

I have filed police reports, with XXXX & XXXX police. 
After one month, TD bank is through with their investigation. No information has been passed to me. XXXX XXXX the Asst. Manager of the XXXX bank did give me the claim #. I should be able to know exactly where my money went & be told this info. I know there are date time and stamps put on wire transfers. 

XXXX XXXX  XXXX should have given specific info to the VP of the bank. 
Also, next steps should have been given to me by both fraud departments.
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

account information inaccurate which in is violation in FCRA XXXX XX/XX/XXXX : account XXXX XXXX XXXX date opened XXXX 2016 union reports that i was 30 days late XX/XX/2016 i was never late with a payment. 
TRANSUNION : reports that i was current with payment XXXX 2016 this is factual and inaccurate account needs be be removed/delete because of factual inaccuracies
Consumer complaint received 2022-11-09
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. (AR)

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-08
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. (GA)

I am writing to bring to your urgent attention the severe discrepancies and inaccuracies I recently discovered upon conducting an investigation of my credit report. It has come to my dismay that several items on my report are unverifiable, invalidated, and unquestionably inaccurate. These inaccuracies have not only caused me undue stress but have also had a detrimental impact on my mental well-being. 

Under the Fair Credit Reporting Act, it is imperative that all information reported on a credit report is 100 % accurate. However, upon reviewing my report, it is evident that your agency has failed to ensure the accuracy of the information being reported. This blatant disregard for accuracy is a direct violation of 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). 

I demand immediate action to rectify these egregious errors and to ensure that my credit report reflects only verifiable, validated, and accurate information. I have attached copies of all letters previously sent to your agency regarding these discrepancies for your reference. 

Please be advised that I expect prompt resolution of this matter. Failure to comply with the Fair Credit Reporting Act will result in further action being taken against your agency.
Consumer complaint received 2022-12-20
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. (OH)

In accordance with the Fair Credit Reporting act XXXX {$780.00}, XXXX XXXX {$350.00}, XXXX XXXX XXXX  {$5200.00}, XXXX XXXX XXXX {$3000.00}, XXXX XXXX Needs attention {$780.00}, XXXX XXXX XXXX Needs attention {$140.00}, XXXX {$4800.00}, XXXX XXXX XXXX XXXX {$9000.00}, XXXX XXXX XXXX XXXX Credit Card {$770.00} 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 2022-11-09
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)

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. 
I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the TransUnion shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, -Late/Closed-Late Dates : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$460.00}
Consumer complaint received 2022-11-09
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. (CA)

My name 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (VA)

For over a month I have been unable to log into my account at XXXX : XXXX Every time I try I get an error referencing a technical glitch. 

This also happens when I try to reset my password. I am certain I am using the correct username. 

I have tried logging in from the app and on a web browser. 

Last month I was able to pay using the easy pay feature but today I can't even log into that. 

I am currently in the position of not knowing my balance, when my payment is due and without any means to make a payment. 

I can not send a message to the company unless I am logged in, which I can not do, and it is difficult for me to make a phone call. 

In a web search for a solution to this problem, I see complaints regarding this technical glitch spanning the past several months.
Consumer complaint received 2022-11-09
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. (CA)

My name 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-09
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. (NJ)

The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-09
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: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-09
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: EQUIFAX, INC. (NJ)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Claim ID : XXXX and Claim ID : XXXX. My account is overdrafted because Bank of America has been super slow in investigating my original CFPB case. My agent calls me at the most inconvenient time, and when I try to call during his work hours, I get sent to voicemail. My agent 's name and contact is XXXX XXXX, Officer ; Resolution Specialist, Regulatory Complaint Operations, Bank of America, XXXX Extension : XXXX, Case number : XXXX XXXX. It has been months. Bank of America did not do a full investigation into my 2 claim ID fraud cases above, their system just took my money and overdrafted the rest, they did not even bother to ask the merchant for a refund, Bank of America has handled this situation unseriously, I will go public on my XXXX  with a following of XXXX XXXX if I don't get this issue solved in 15 days. I want my entire money back or I will also sue. I want the {$4400.00} and the {$420.00} back into my account with an apology.
Consumer complaint received 2022-11-09
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. (NJ)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-05
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. (OH)

Macy 's credit card. On XX/XX/XXXX I reported XXXX fraudulent orders from Macys.com which were charged to my Macy 's credit card. On XX/XX/XXXX I reported these fraudulent charges via phone with XXXX XXXX XXXX department. XXXX 's cancelled XXXX of the charges and did not ship it. The second charge order number XXXX they shipped on XX/XX/XXXX. I called Macy 's again on XX/XX/XXXX to tell them they shipped the fraudulent order to a fraudulent address and I was told the XXXX charge would not appear on my bill. Macy 's mailed me a new credit card. On XX/XX/XXXX, I received a bill from Macy 's in the amount of XXXX. I called them on XX/XX/XXXX at XXXXXXXX XXXX and spoke with XXXX to file a formal complaint. He would not tell me their bank regulator name or consumer protection agency name. I requested that no more bills be sent to me and to close my account. I did not receive email confirmation of either as requested. I did not receive email confirmation of my formal complaint as requested. XXXX disconnected the conversation and did not call me back. On XX/XX/XXXX I received another bill from Macy 's which includes the XXXX charge, a late fee of XXXX and interest of XXXX. I want written confirmation of a XXXX balance and written confirmation that my account is closed. I want confirmation that any adverse credit reporting regarding a past due bill has been corrected.
Consumer complaint received 2022-11-09
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. (SC)

It has been drawn out that you are not hindering records when I sent a copy of 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 needs to be removed in my file : XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2900.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX CO XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-11-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Everytime I looked in my email, there are Marketing Promotions from Capital One, for applying for an Credit Card. Still they keep turning me Down. I been trying to get a Credit Card from them for a Very Long Time. Sent an Email to the CEO of the Company. Someone from the ESCALATION DEPARTMENT contacted me a few days ago. The Problem was still not Resolved. I Qualify for a Secured Card, not an Unsecured Card. No More! Very Frustrated and Disappointed.
Consumer complaint received 2024-03-08
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. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.