davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ProCollect, Inc. (FL)

PROCOLLECT , INC XXXX XXXX XXXX XXXX XXXX Why is this account being reported with XXXX? different dates of last activity? Delete account for inaccurate reporting. 
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 
Please provide me with all the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 
Please reply within 15 days or delete the negative items, as originally requested. 
Once you have finished my request, please send me an updated credit report reflecting my request.
Consumer complaint received 2023-06-08
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. (MI)

So i've tried to dispute these things with the different credit agencies. To remove personal information that i do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 



These are clear violations of my federally protected consumer rights.
Consumer complaint received 2021-08-30
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2021 capital one has done a hard inquiry without my concent or approval. I alredy have credit with capital one so there is no need to ask for new credit inquiry.
Consumer complaint received 2023-06-08
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent a letter last XX/XX/XXXX, removing these items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

I am being charged {$3.00} interest on a {$2.00} shortfall for a monthly statement payment of {$960.00}, the statement paid in full amount. I mistakenly paid {$960.00}, leaving a balance on the statement of XXXX dollars. I am told by Capital One that any payment not covering the full amount due invokes a minimum daily balance regulation, and this means that I am paying {$3.00} interest on a minimum daily balance of {$480.00} for the next XXXX months, even if I continue to pay future amounts in full ( which I typically do ). This resembles usury, as I am paying interest on an amount much larger that I actually owe ( {$3.00} for XXXX months on {$2.00} balance ). I find it amazing that credit card companies are able to institute this method of charging interest for money that has been submitted on time. Is this not just another unfair method of charging for services? Please examine this regulation ( also used by other credit card services, in the fine print ), and recommend that it not be allowed. This is costing consumers millions of dollars each month, who most probably do not understand how it is applied.
Consumer complaint received 2023-02-02
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. (OH)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-02-02
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. (OH)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

On XX/XX/2023 I received a letter from TIAA Bank stating that they were closing my account in 30 days. I have been a TIAA Bank customer for well over 10 years and never had a problem. So I phoned the bank and their representative told me that indeed they are closing my account but did not have a reason for doing so. When I asked to speak to a supervisor he said that he would give me the same answer and that I should let it ride and find another bank. 
I find this very insulting and I feel that TIAA bank should give me some kind of reason for their action.
Consumer complaint received 2023-02-02
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Fraudulent Account on Credit Report I am writing to dispute a fraudulent account listed on my credit report. The account in question is Apple Card-GS Bank, account number XXXX I have never opened an account with Apple Card-GS Bank and I believe this account is the result of fraudulent activity. 

I have spoken with company notifying them that this account isnt mines and I have no knowledge of this account. I then was asked to provide them with my FTC Complaint which was provided. They still insist on reporting this account within my credit reports. I have not been provided with any information that this account is in fact mines. Therefore I am reaching out to you all for help. 

I request that you investigate this matter thoroughly so this fraudulent account can be removed from my credit report. Please provide me with a written confirmation once the investigation is complete and the fraudulent account has been removed. 

This is causing much stress in my life because of its impact on my credit report while I am in the process of trying to purchase my first home but cant move forward until this is resolved. 

I know it usually takes up to 30 days to resolve, so hopefully it can be resolved soon as possible. 

Thank you for your time and attention to this matter. I look forward to your prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

Reported unauthorized transactions on my account and was told credit should be in account XXXX days ago by many different agents still no provisional credit given I am behind on rent and light bill and also in danger of eviction with XXXX children. Was denied escalation for ( hardship ) provisional after explaining I'm behind on bills
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please don't ignore my request this time to correct the negative information you reported in my file. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

XX/XX/2022, XXXX XXXX, XX/XX/2022 I disputed a charge of medical bill from account XXXX TXXXX XXXX XXXX XXXXXXXX in the amount of {$3300.00}. The investigation can back as verified and I requested a method of verification. The method of verification was not provided to me.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX ( California ) Branch of Bank of America has blocked their schedule for appointments and they have refused two times to help me and I went to do urgent name change request as my account they opened and did mistake and this branch is refusing people as walk in. They can not refuse helping me and I am very upset about the mistreatment done with me two times and how can I make appointment if they have blocked the time or their is nothing available for several months and any day nothing is there looks like they can blocked it. People like me Why we need to go another city branch if I belong to this city and its the only branch in city.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My card was charged multiple times for the same in the same and the after at a store. I disputed the transactions and was given the credits back in my account the same day. Now months later after the dispute the credits my account was credited are now being taken back because the closed the investigation on my claim and dis not rule in my favor. I did not make these transactions and now I can not pay my bills because of it. I reached out to the bank several times to try and resolve this issue but they are saying that there isnt anything they can do right now I have to wait 45 days u til they come to another decision about my claim
Consumer complaint received 2024-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After many attempts to log in to my TransUnion account, all attempts failed. TransUnion website will not acknowledge my password or recognize my SSN. I was directed a TransUnion chat line. : Ii spent over an hour and all the energy I have as a XXXX patient and older person. Transfer me to US continental customer support with All I want to do is change my Transumion password with an English speskimg person.

I'm the US
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

From XX/XX/22 to XX/XX/22 my family and I went on vacation in XXXX, XXXX. On XX/XX/22 ( posted date XX/XX/22 ), I was fraudulently charged {$1000.00} by " XXXX XXXX '' for a transaction that I never made. In addition, I was also charged {$30.00} for a foreign transaction fee. I discovered and reported this fraudulent charge to Bank of America sometime between XXXX. 
According to Bank of America, the merchant " XXXX XXXX '' is a restaurant in XXXX XXXX. I have never been to XXXX XXXX in my life before, so I could not have made this transaction. I flew directly into and out of the XXXX XXXX, and I have pictures of myself and my family at different XXXX tourist locations every day of my trip that can prove that I was indeed in XXXX. XXXX is around a XXXX XXXX XXXX from XXXX XXXX. There is no physical/logical way that my physical body was simultaneously in XXXX and XXXX a restaurant in XXXX XXXX XXXX 
I used my credit card a few times while in XXXX, and XXXX particular instance stands out to me as the most suspicious. I attempted to use my credit card at a gas station. The worker first took my card and attempted to use it in XXXX handheld device. He told me that the transaction didn't go through, but that there was another credit card processing device that he could try. He took my card and went to another device. This device was on the other side of the stand, so I could not see precisely how he attempted to process the card. He came back with my card and told me that the transaction did not go through. I paid with cash instead. All in all, he attempted to process my card multiple times on multiple different devices. This instance stands out to me as the most likely source of issues. 
After Bank of America refused to rectify this fraudulent charge, I asked that they re-open the investigation. I also filed a report on with XXXX XXXX TX XXXX Police Department, my local police department. I voluntarily gave them a two-page statement for them to investigate. This statement includes my daily itinerary of every location in XXXX that I visited. My report number is XXXX ; I filed the report with XXXX # XXXX. I then informed Bank of America that I filed a police report and gave them the number of my report and the contact information. 
I am asking that Bank of America expedite their investigations and arrive at the fair and logical conclusion that I did not make a {$1000.00} transaction to XXXX XXXX.
Consumer complaint received 2015-08-07
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (AZ)

Hi I found a few fraudulent transactions in my wells fargo account that I do n't frequently use up to a little more than XXXX months old. I was able to resolve with the merchant myself on most of them except one of {$480.00}. Over the entire process, Wells Fargo was unfriendly and not helpful. This {$480.00} transaction happened between the bank and a fraudulent XXXX account which XXXX was not able to identify in the first ACH return request attempt that Wells Fargo made. After a another round of phone calls ( I do n't even remember how many rounds I have had ), XXXX was finally able to because the fraudulent account has everything correct except a non-existing email address. Even this email has my full name correctly spelled. And now this is identified, XXXX needs another " ACH pull back '' from the bank, which Wells Fargo refused to make. Their representatives ( many ) on the phone refused to help me further by saying they never made XXXX attempt, tried to get away by blaming me for not knowing how to prevent identity theft, not reading monthly statement in time, and also refused to direct me to higher level. Please kindly help me on this!
Consumer complaint received 2015-11-14
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (GA)

I have an account with XXXX XXXX and use their Bill Pay service. I erroneously mistypee a payment to my XXXX account instead of my Mortgage account. I called XXXX upon discovering the error and they called their bank ( Union Bank ) to refuse th epayment and trigger a refund. The sum was for {$40000.00} ( inteded for a mortgage baloon payment ). THe payment was on XXXX/XXXX/2015. I created an incident from my bank and was promised immediate refund and still have not seen the payment. I am concerned by the callousness of the bank and would like to report this as a fraud upon consumers. The call I placed was in bureaucratise declined because it was the business of the operations department. 
This references the payment from XXXX XXXX : XXXX XXXX, 2015 Claim : XXXX Payee Name : XXXX XXXX XXXX. 
Payment Amount : {$40000.00} Payment Reference No : XXXX Schedule Date : XXXX XXXX, 2015 Dear XXXX XXXX : XXXX Update for your Bill Pay claim **************************** We are writing to update you with the current status of your claim referenced above. We are committed to addressing your concerns. 

XXXX Our research ************ As part of our claims process, we are required to determine if there was any error on our part in the processing of this payment. Based on the information provided in your claim, our research has confirmed that this payment was processed with no error on our part. You have the right to request copies of documents we used to make our determination. To request copies of the documents, please contact us using the methods below, and have your claim number XXXX available. 
XXXX XXXX, 2015 Claim : XXXX Payee Name : XXXX XXXX XXXX. 
Payment Amount : {$40000.00} Payment Reference No : XXXX Schedule Date : XXXX XXXX, 2015 Dear XXXX XXXX : XXXX Update for your Bill Pay claim **************************** We are writing to update you with the current status of your claim referenced above. We are committed to addressing your concerns. 

XXXX XXXX research ************ As part of our claims process, we are required to determine if there was any error on our part in the processing of this payment. Based on the information provided in your claim, our research has confirmed that this payment was processed with no error on our part. You have the right to request copies of documents we used to make our determination. To request copies of the documents, please contact us using the methods below, and have your claim number XXXX available. 
Claim : XXXX Payee Name : XXXX XXXX XXXX. 
Payment Amount : {$40000.00} Payment Reference No : XXXX Schedule Date : XXXX XXXX, 2015The payment is with XXXX ( by Union Bank XXXX XXXX XXXX
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (NC)

I have an Apple Card that is serviced by Goldman Sachs. I have had the card for almost a year, and made all payments on time. For my XXXX payment, I accidentally paid the installment balance & interest charge twice, because I didn't receive confirmation of the first payment ( so I submitted the payment again ). I later saw two payments posted to my account. I was unable to cancel the pending payment from the Apple Card app, so I contacted the support team. The support team told me they were unable to cancel the payment when it was pending, so to reach back out once it had posted in a few days. I waited a few days and then reached back out once the payment was posted. The support team then told me they were unable to cancel the payment once it was posted, and I would need to contact my bank to cancel the charge. I contacted my bank, and they said they couldn't cancel it and I would need to go back to Goldman. I went back to Goldman again, and they said they could file a request to refund my payment, and that it would take ten business days. It has now been ten business days and I contacted them again, to which they have said the process will take up to 30 days. I am confused and frustrated as to why my additional payment is still being held by Goldman and I keep getting misinformation about the process. I think this is a deliberate attempt by Apple and Goldman to make the process intentionally confusing so that people give up and don't bother getting their money back after an accidental over payment.
Consumer complaint received 2023-06-08
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. (GA)

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 : XXXX XXXX # XXXX, Account name : 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 an
tedates 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.