davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX  : Fraudulent text alert. Customer immediately called Bank of America to stop any further fraudulent transactions. BOA representative said all transactions were stopped ( they were not ), submitted a claim for the amount rep found approximately {$250.00}. Rep assured costumer problem was taken care of. 

XX/XX/ : More fraudulent charges. Customer called BOA and spoke with 3 reps, who all saw different fraud transaction amounts but could not add up all transactions without the help of the customer 's detailed spreadsheet of transactions, names, and amounts. These transactions were added to the open claim after several hours of going through each transaction carefully. One claim totaled {$4500.00} at this point, another claim totaled {$660.00}. BOA assured customer the problem was now resolved. 

XX/XX/23 : Costumer checking account was credited. 

XX/XX/23 : Charges that were resolved are now being debited again from customer 's checking account. Customer spoke with approximately 8 BOA reps on the phone, receiving no helpful information. Customer went in person to local BOA banker to resolve issues. No resolution occurred, only more phone calls with no answers. Banker unable to place customer with a person in direct power and decision-making. 
Customer checking account now fully drained and overdrafted.
Consumer complaint received 2023-09-08
Product: Credit reporting 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)

I XXXX XXXX have noticed some accounts on my credit report I have listed supporting documentation below. These are the accounts that need immediate removal Pa XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Equifax continues to report false information on my credit report although a Police affidavit and dispute form was received. EQUIFAX responds by saying that the account is verified and will remain on file. I requested information that was used to verify the account but nothing was provided. I reached out to the creditor of the account and they provided their response. According to the creditor, because my social, XXXX, and name was entered correctly, the the account was correct and they will not accept my dispute as fraud regardless of the police affidavit stating that I was a victim of ID Theft. They provided the same information to me that they provided Equifax and CFPB, and none of it can show proof of ownership or purchases. The only thing that can be " verified '' is my person information and the fact that the account was used for a week and charged off a year later by providing billing statements.
Consumer complaint received 2018-04-30
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: CITIBANK, N.A. (CA)

re Citi Thank You Preferred Card master card via Citicards - account number ending XXXX ( now ending XXXX ) on XX/XX/18 a charge was posted to our account for {$140.00} by a company listed XXXX ( out of XXXX XXXX ). My husband 's XXXX " froze up '' that day and the company called him, saying " ... our virus protection had expired ... '' and we needed to buy this protection right away from them, because it could affect the other XXXX and the XXXX, all XXXX products. My husband was wary of the salesperson 's authenticity, so the sales person said our credit card company would call to verify the charge - and, sure enough, our land line rang instantly saying they were Citi cards verifying the charge. He felt that was ok, and ok 'd the charge. He was alone and worried about the equipment, so gave this company our cc #. 

When I got home, I knew instantly it was a scam - we've NEVER purchased virus protection for our XXXX products. You don't need to. But to be safe, I called XXXX and told them all that had transpired, they switched me to the fraud section and were very concerned a company was doing this so cleverly, especially having the presumed cc company call, because XXXX acknowledged no such virus protection is necessary with their products. 

The next day, knowing this was a fraudulent call offering a product under false circumstances, I called Citi for a chargeback. The CS Rep said no problem, we'll do that and send you a new card, because it appears the XXXX XXXX company made three attempts to put it through and now had the number. 

It's now XX/XX/XXXX and no chargeback or further communication from Citi - so, I called today to see what was going on. One CS Rep sent me to their " fraud division '' in XXXX, the second call resulted in the rep saying, basically, nothing could be done because " ... you can't just take money back from a company. '' She switched me to a " manager, '' who said she was going to check into it and put me on hold while I was trying to talk with her. And no one from Citi has called back. I explained what transpired over and over again, even with XXXX response but nothing.

Speaking with Citi is an exercise in futility, and I'm furious at the way we've been treated by several of the reps - with NO RESOLUTION! We've been a cc holder for 20 years and average $ 3-4,000/per month in charges. We're solid customers. They owe us their allegiance, not some unknown company that's shilling false sales information to unsuspecting people. 

We need help from an outside agency for this unresolved problem with Citi cards.
Consumer complaint received 2023-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NJ)

I received a notification from XXXX XXXX that as of XX/XX/XXXX that I have a debt collection now attached to my credit. Which I have never had in my life. I logged into XXXX XXXX and clicked on the details. It shows that an account was opened on XX/XX/XXXX of XXXX with an opening balance of {$520.00} with a company called XXXX XXXX XXXX and that they sent it to collections for non payment to a collection agency called Transworld Systems. I have never opened an account or had any business dealings with XXXX XXXX XXXX or Transworld Systems. XXXX XXXX XXXX apparently provides " electricity '' to residents of Texas. I have no affiliation with anyone or anything in Texas. And I have never even been to Texas.
Consumer complaint received 2023-09-08
Product: Credit reporting 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. (FL)

Company : XXXX XXXX XXXX XXXX : {$1100.00} Account # : XXXX Asking for a Fast Removal Of This Fraudulent Activity On my Report
Consumer complaint received 2023-09-08
Product: Credit reporting 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. (FL)

Company : XXXX XXXX XXXX XXXX : {$1100.00} Account # : XXXX Asking for a Fast Removal Of This Fraudulent Activity On my Report
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

there are late payments reported by XXXX XXXX XXXX XXXX XXXX  during Covid 19 pandemic.. according to the CARE ACT and The Hero Act Section XXXX creditors and credit reporting agencies are not authorized to report adverse information to consumers credit files during the covid 19 pandemic.. we are still in a pandemic and the days reported late was during the pandemic and therefore is unlawful. I demand XXXX XXXX XXXX XXXX XXXX Remove all adverse information reported during covid 19 pandemic.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 Subject : Dispute of Inaccurate Information per 15 USC 6802 & 15 USC 1681-c-2 Dear Consumer Relations Department, I hope this letter finds you well. I am writing to formally dispute certain information contained in my consumer report as provided by your company. According to the provisions of 15 USC 6802 and 15 USC 1681-c-2, I have the right to request the accuracy and validity of the information being reported about me. I recently obtained a copy of my consumer report from your agency and found some inaccuracies that require your immediate attention. The discrepancies pertain to the following items : PROGRESSIVE : Account # {$530.00} This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b I must emphasize the significance of having accurate consumer reports, as they play a vital role in determining various aspects of my financial life, such as loan approvals, interest rates, and job applications. These inaccuracies have the potential to adversely impact my creditworthiness and financial standing, which is why I request your immediate attention to rectify these errors. Per the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), it is the legal obligation of consumer reporting agencies to conduct a reasonable investigation upon receiving a dispute regarding the accuracy of information in a consumer report. I hereby request that you initiate a thorough investigation into the disputed items mentioned above. During your investigation, I kindly request that you verify the accuracy of the disputed information with the original creditor or data furnisher. Promptly update my consumer report with the correct and accurate information. Provide me with a written statement of the investigation results and any changes made to my consumer report. Please be aware that as of the date of this letter, it has been 65 days since my last letter, and I have not received any response from your agency regarding the investigation. This lack of response is in violation of the FCRA, which requires consumer reporting agencies to respond to disputes within 30 days. As such, I urge you to expedite the investigation and provide me with the results as soon as possible. Failure to comply with the FCRA 's timeline for investigating disputes may result in legal action. I have enclosed copies of relevant documents that support my claim. Additionally, I request that you inform all parties that have received my consumer report within the past [ number of months ] about the corrections made as a result of this investigation. I expect your prompt attention to this matter to ensure the accuracy of my consumer report. Your cooperation in this dispute is greatly appreciated, and I trust that you will handle this matter with the utmost professionalism and expediency.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

In accordance with the fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX, has violated my rigths. 

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

15U.S.C 1681 Section 604 A Section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-29
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. (MI)

In accordance with the FAIR CREDIT REPORTING ACT XXXXXXXX XXXX ACCT # XXXX, has violated my rights 15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-12-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Armstrong and Associates, Inc (MS)

The law office of Armstrong and Associates located in XXXX, XXXX  called and left me a voicemail without disclosing that this communication was an attempt to collect a debt. I only discovered that this was a debt collector by XXXX  the number left in the voicemail.
Consumer complaint received 2023-05-22
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. (MO)

On my credit report the following accounts have been proven to be incorrect my XXXX XXXX and Transunion please delete the following accounts. XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX and all accounts related to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX and all accounts associated with XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-11-12
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. (RI)

I am trying to have a closed account removed from my credit. It has been a few years and it has negatively effected my credit. I have sent letters, emails and made calls to XXXX XXXX XXXX XXXX. The past due amounts are incorrect as well. This account needs to be removed from all XXXX credit bureaus.
Consumer complaint received 2023-06-16
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. (NJ)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Consumer complaint received 2022-11-24
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. (FL)

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, 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 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 intormation An other adverse Item of information. other than records or convictions or crimes which antedates the reoort ov more than seven vears 15 U.S.C. 1681s-2 ( A 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency iif the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MD)

I was the guarantor for an unfinished and unsigned lease with XXXX XXXX XXXX XXXX in XXXX, FL, for XXXX XXXX in XX/XX/XXXX. The guarantee, XXXX XXXX, was notified by the leasing office that she never signed the final and complete copy of the lease on XX/XX/XXXX ( and therefore never completed the lease in its entirety and could not move in until she finished her leasing paperwork. She never moved into or received keys to this property. National Credit Systems was attempting to collect the amount owed for an entire lease term from the guarantee and I, despite the fact that the lease was, according to the property, never completed and turned in and XXXX never lived there. 

Going off of what was sent to XXXX in the voicemail on XX/XX/XXXX, ( which I have proof of ), the guarantee and I assumed that no further action needed to be taken, as it was our understanding that we had not finished the proper leasing documents in the first place. The guarantee, XXXX XXXX, has since managed to have the charge removed from her credit report via XXXX   complaint ( after submitting a claim with the CFPB herself, the complaint number is XXXX, I was also advised to do so myself by the credit bureau ) I am requesting that the company withdraw the claim from my credit report as well, because I am not responsible for any debt with this company in any way.
Consumer complaint received 2017-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (TN)

TD auto finance has an auto loan showing as open, past due, & with a balance. I filed Chapter XXXX bankruptcy including the vehicle. They now have the vehicle. I notified them to have it updated but nothing has been done to correct.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc. (CO)

My complain is in regard to my previous complaint with DOVENMUEH/XXXX XXXX XXXX XXXXXXXX I was just notified by my credit report that as of XX/XX/2023, XXXX, once again, reported to my credit report : " foreclosure proceedings started. {$7400.00} past due as of XX/XX/2023 ''. As of late XXXX, I began the reapply with loss mitigation for a 6-month deferment. As of XXXX, my application was accepted and currently under review. I have all documentation to prove my case. I contacted XXXX XXXX XXXX  and submitted them documentation of my case and they have suspended foreclosure proceedings, and they assure me that they notify XXXX. I have documentation to prove my case. I called loss mitigation in XXXX and they assure me that all foreclosure proceedings have been suspending due to my application being under review. While being review, XXXX continues to report to my credit history, false reports about the status of my account and reported an XXXX late payment. I have documentation to support my case. If this does not stop or continues false reports that continues to affect my credit report, I will seek legal action. I have attached the email from the foreclosure law firm stating their suspension as well as the letters by XXXX stating that my application had commence in XXXX and being reviewed in XXXX.