davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
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. (FL)

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-29
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: BARCLAYS BANK DELAWARE (CA)

I inquired about a battery storage system for my residential solar system on or about XX/XX/22 and completed the purchase from XXXX XXXX on XX/XX/22 after verifying with the supplier that the system was compatible with my inverter and asking about whether there were no recalls on the battery ( I had become aware of reports in the intervening time from original inquiry date and eventual purchase date ). After delivery, the battery system was, in fact, incompatible with my inverter and, indeed, there were recalls concerning this device. I requested a Return Authorization from the supplier and was informed at that time that a 20 % restocking fee was applicable. At no time before my request and in no documentation provided to me was there any prior notification of a restocking fee associated with the purchase contract. I returned the battery on XX/XX/22 in original, new and unused condition in the original packaging per the stipulation of the supplier ( which was the only condition that was mentioned in correspondence ). The supplier has received the battery and has made no representations that it isnt in the condition required for return. I let the credit card company ( Barclays ) pursue my dispute of the restocking fee and after months of correspondence and providing corroborating documentation, my creditor informed me that they wouldnt pursue the matter further and they found for the supplier.
Consumer complaint received 2023-06-13
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 (FL)

On XXXX XX/XX/2023 I submitted a payment to Bank of America for payment to my credit card. My credit card account send me an alert & said payment was due & I forgot about sending the 1st payment & I subsequently submitted another payment on XXXX XX/XX/2023. On XXXX XXXX I received another alert & sent a 3rd payment ; but was able to cancel this payment & the called the bank to see if I could cancel one of the other payments. The CS representative told me that both payments processed & that i would not be able to cancel or return the payment to my account until after it posted. On XXXX XX/XX/2023, I received two notices from BOA saying that both payments failed & that I was late. I reviewed my account & previously transferred funds on XXXX XXXX to cover these payments. Upon calling BOA the CS representative stated that there was insufficient funds in my account to cover the payments & as I look at the account this is not the case. I already transferred money to the account. 

here are my concerns : 1. Previously, I had only been late once on a credit card payment & it was for less than 5 days & BOA reduced my credit line 2. if BOA used the credit technology, I would have not received multiple " Alerts '' telling me that my credit card payment was due & I wouldn't have made multiple payments 3. in an effort to charge customers late fees or reduce their credit line I suspect BOA is playing with their algorithms and picking and choosing which payments will be held & which will be paid & at what time 4. BOA has proven to reduce credit lines not based upon any standardly acceptable format, but rather periodic reviews by humans who apply non existent standards & reduce lines of credit based upon assumptions 5. the two failed payment notices ( which previously showed posted ) took longer than industry standard & did not take into account that money could have been transferred from other BOA account to cover these insufficiencies, had alerts & notices been timely
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

XXXX is reporting old XXXX accounts with a XXXX balance to my equifax and XXXX credit reports that should have been removed after loan rehabilitation was completed on the accounts in XXXX of last year. These listing are also reported to the credit bureaus as duplicate accounts often, which significantly negatively impact my credit score and prevent me from renting a home for shelter and opening new lines of credit.
Consumer complaint received 2017-03-20
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We have to come back to case number XXXX. This case was opened against XXXX XXXX.XXXX answered and we tried in the meantime to clear the matter with the realtor who sent the money, with XXXX who originally originate the money transfer as well as Merrill Lynch , where we have our account. After long researches it came back to the matter, that Merill Lynch got the money transfer XX/XX/XXXX and was not able to find out the final recipient, even we have our bank account nearly 30 years with Bank of America and now XXXX. I told Merill Lynch already on XX/XX/XXXX by e-mail, that we expect an wire transfer from XXXX for about XXXX XXXX. I was in constant contact with XXXX from Merril Lynch regarding the payment and sent them copies of the Italian wire transfer. 
With a letter of XX/XX/XXXX Merill Lynch told us, that they do not pay for the loss in exchange rate XXXX/Dollar because of the delay. We lost XXXX because Merill Lynch was not able to locate us and was sitting about 4 weeks on the money before they finally returned it to XXXX. And during this 4 weeks, the amount was no where to trace, because Merill just kept it. 
Following the XXXX bank it is unlawful to keep money that long. In XXXX you have to clear a matter within 3 days. 
We do not accept, that Merill kept the money that long and caused this loss in exchange rate. We hold Merrill responsible for - not finding our account - even they had from the beginning our informations - holding the money for that long and making it disappear from any trace We want our loss in the exchange rate paid from Merrill Lynch and ask for your assistance in this matter. 
Should you need any copies of correspondence etc. let us know, we can provide everything
Consumer complaint received 2023-03-07
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: EQUIFAX, INC. (MD)

According to the FCRA 15 USC 1681 section 604 A section 2 : prohibits the reporting of any experiences and or transactions between a corporation and an individual the law states that this type of information is excluded from my consumer report and can not be reported to any Consumer Reporting Agency. Please delete pursuant to the law mentioned in the above sentence all late payments, and/or the account, the Item that is being marked as late and being furnished to a consumer reporting agency. The law is clearly to come into compliance regarding this Account information.
Consumer complaint received 2023-08-16
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. (CA)

My credit report is showing late payments to CXXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Consumer complaint received 2024-03-28
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: EQUIFAX, INC. (NJ)

XXXX has broke The FCRA a numerous amount of times. The agents has lied a number of times saying they did not receive paper I submitted. I requested that the remove late payment from first premiere account on XX/XX/year>. XXXX is not reporting accurate information on my consumer report.
Consumer complaint received 2023-03-03
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: EQUIFAX, INC. (SC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-16
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. The dispute items do not belong to me. Please remove the following items. 
XXXX XXXX XXXX ; XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-15
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 on multiple occasions to Transunion, XXXX, and XXXX. Here is my tracking number. It has been over 30 days and the credit reporting agencies have failed to send my investivation back. This isnt making any Sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller.
Consumer complaint received 2023-06-13
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

I applied for forbearance during the pandemic because my job was affected and income wasn't coming in like before due to the lack of customers. I got out of forbearance once I thought that I could resume making my monthly payments, but those payments started to be more than I could pay a month. So that put me further behind. I was threatened with foreclosure, so I filed for bankruptcy, while still making payments to the bank, but those payments continued to increase every month, and it didn't seem like the payments where being placed completely towards my mortgage. I didn't see a change, even when I knew there should have been a decrease. Bankruptcy was eventually dismissed because I couldn't afford to pay the trustee and my increasing mortgage payments every month. Eventually a letter was sent from the VA stating that a foreclosure would take place, and that I needed to try to get a loan modification. I called the bank and applied for the loan modification, and submitted everything that they asked for, but my loan modification was denied, even though I was told that I qualified for the modification. So the bank suggested I do a short sale. The bank sent me a letter stating their reasons for the denial, but I wasn't aware of any of the limitations they claimed to have had, that made them unable to help me. I want aware of any amount of payments that I needed to be making during the modification process. I don't know if my income that I reported was not enough, or if it was to much. Also, the income they stated, that I reported, changed from one amount to another, and I don't understand how that should have happened. There were just a lot of unexpected things that didn't match with what I was told. I did file an appeal, and a representative did call me to inform me that it was received.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

XXXX and Equifax are showing a XXXX XXXX Bankruptcy on my credit report. The XXXX XXXX Bankruptcy should be removed from my credit report because it's been discharged since XX/XX/XXXX  which was 13 years ago. 

XXXX XXXX Bankruptcy reference number XXXX filed XX/XX/XXXX  and discharged XX/XX/
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX 15 U.S. Code $ 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 resulted from alleged identity theft, 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 identity theft! Please delete these items IMMEDIATELY!

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 report under 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 consumer I am demanding the deletion of the account listed IMMEDIATELY!
Consumer complaint received 2017-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Performance Settlement, LLC (KY)

I signed a contract with a third party organization. I was told the company works with the US department of education in the Obama federal forgiveness program to consolidate my loans. I pay the company XXXX a month and the only two options to leave the contract is pay them the full XXXX or the continuous XXXX a month. I do n't know where the money is going. I do not believe it is going towards my federal student loans. I have {$44000.00} in subsidized and unsubsidized student loans. I am single, living on my own, working in a XXXX job and i am XXXX hours away from home without a car. Im a recent 2016 XX/XX/XXXX college graduate and im making it on my own. The company has my bank information and home address. If i leave the contract they will garnish my wages and seize my taxes if i do not communicate with them or pay them. Im fair and honest. They can have the previous payments but i do not want to give them any more money because i cant afford it and i am already going back to school this semester for more schooling. When i called my loan servicer i was told that my loans are at default {$0.00} and it has not been any payments made yet. I didnt set up a payment plan with my loan service neither.
Consumer complaint received 2024-04-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NCB Management Services Inc. (SC)

I am writing to file a formal complaint against XXXX XXXX XXXX for violating 1692c ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX XXXX has unlawfully shared my personal information with NCB Management Services, leading to persistent and unwarranted contact regarding a debt that has been closed for nearly five years. 

Since XX/XX/XXXX, NCB Management Services has been contacting me regarding an account that was closed approximately five years ago. Despite the closure of this account, NCB Management Services persistently reports this debt to my credit file, with the most recent report dated XX/XX/XXXX. This continued harassment and unwarranted reporting have caused significant distress and inconvenience. 

The unauthorized sharing of my information by XXXX XXXX XXXX to NCB Management Services violates my rights as a consumer under the FDCPA. 1692c ( b ) explicitly prohibits debt collectors from communicating with any person other than the consumer in connection with the collection of any debt. XXXX XXXX XXXX 's actions have led to unwarranted harassment and potential harm to my creditworthiness. 

I request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against XXXX XXXX XXXX for their violation of the FDCPA. Additionally, I urge XXXX XXXX XXXX to cease all unauthorized sharing of my personal information with third-party debt collectors and take corrective measures to rectify the unwarranted reporting of the closed account by NCB Management Services . 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this violation and uphold consumer rights under the FDCPA.
Consumer complaint received 2023-07-10
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

this credit has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 602 a section 2 a consumer reporting agency can not furnish an accurate without my written instructions.

Under 15 USCS 1666b a creditor may not treat a credit card account open end consumer credit plan as late for any purpose
Consumer complaint received 2023-05-17
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX You are in direct violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX ). 15 U.S.C 1681 section 602 A. clearly states that I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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. Remove this late payments and update the accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

I deposited a check on XX/XX/2024 immediately after depositing the check into my savings account Truist emailed me and let me know it would be a hold the funds will be released on XX/XX/2024 fast forward to XX/XX/2024 Im XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  baby and I try to get gas and my dad declines Truist had canceled my card and locked my account without even letting me know. I sold a car to a neighbor they wrote me a check I deposited funds the check had been debited from the issuer bank account Truist froze both of my accounts and is holding my money I had in the account before the check. If the check was fraudulent how come the check hasnt returned?? Because its not fraudulent the check issuer said the funds have left their account and Truist has the funds Truist has had so many bad reviews with customers having this same issue Truist is ruining lives literally. I want my account unlocked so I can withdraw my balance
Consumer complaint received 2023-03-05
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. (PA)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

My banking acct showed {$1000.00} withdrawn from my acct, said my acct was frozen. I have been to the bank 5 times for many hours and they still can not tell me where my money is. They just keep telling me it's under investigation. / WHO? WHY? I cant get an answer and now the bank says they can't help me anymore... They took my money... This all happened Aprox. XXXX XXXX XXXX XXXX