davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
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. (CA)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} and XXXX Bankruptcy XXXX XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00}.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is the first time I've can looking at my account. I have seen unauthorized charged and over charged for the transaction. I would like for the bank to help or worked with me, reimbursed the funds back to my account. I am an identity theft victim. Someone has my information. I have filed Affidavit of Identify Theft Victim.
Consumer complaint received 2019-11-22
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)

Equifax and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$3000.00} on the RESIDENCE/RENTDEBT AUTOMATED COL account number XXXX. ( Please see page attached from my credit report. ) I contacted the apartment complex manager on XX/XX/2017 ( see email attached ) to specifically request an itemization of what was owed prior to vacating the premises. I asked the office manager to provide me with the documentation immediately. I did not want to have this fall through the cracks and have this account wrongfully go to collections. I never received any acknowledgement of my email correspondence, nor did I ever receive any documentation of what was owed. In the meantime, the apartment complex withheld my entire security deposit. I was led to believe since they kept my entire security deposit that there were no outstanding balances due on my account with the XXXX  XXXX  XXXX XXXX. I discovered that the apartment complex had reported this erroneous collection when I obtained a copy of my credit report. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (NJ)

I submitted XXXX fraud claims in my checking account and it was denied. I had lost my card and called the bank immediately when I saw the transactions that are unauthorized. Navy Federal denied my claim and is taking the provisional credit back. Now I do not have enough money to pay my rent. I will be overdraft. I tried to tell them my situation but they told me they will not provide credit. instead I could appeal the decision which will take months. I do not know what to do. I am poor. I just lost my parents and I have no one to turn to. 

I claim I was given notice. the other claim no notice at all and they just deducted the money from my accouhnt
Consumer complaint received 2023-01-25
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. (AL)

under 15 USC 1681. 
Account name : XXXX acct # XXXX Account name : XXXX acct # XXXX has violated my rights.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On Sunday XX/XX/2023, as I was traveling, I unfortunately misplaced my cellphone and it never got back to me. I allowed some time with the hope that it would return to me, but it never happened. Instead, all my accounts : email accounts, banks accounts, social media, etc, were accessed and used on my behalf by the new " owners of my cellphone ''. When I was able to access again to my email account, I noticed that there had been some unauthorized activity on this bank account. I immediately called Bank of America to report this situation ( XX/XX/XXXX ). I also asked them help to change my online banking password, which they did. 
I opened a claim on these two transactions and clearly stated that I did not make these transactions nor know who did it, and that my cellphone was no longer in my possession since XX/XX/XXXX. One of the transactions had not posted yet when I opened the claim, so it would have been easy for the bank to stop it. 
The representative that assist me submitting the claim said " you will receive a temporary complimentary credit for these transaction and once Bank of America finishes the investigation, if they find out that it was not you who did them, the credit will be final ''. I never received that credit. 
Instead, only XXXX business days later, on XX/XX/XXXX, I got a letter from Bank of America telling me this : As a result of our research, we've determined that we are unable to honor the claim for the following : Our investigation found that the transaction in question was completed using a device that is consistent with previous valid account activity ( ... ) We now consider this claim closed. 

Clearly, in 4 days there was not a serious investigation by the bank, as I was told they would do. As the letter said, they just " research '' and found what I had already told them, that someone else in possession of my phone took advantage of it and emptied my account. 

If I am telling my bank that there is fraud in my account, that the transactions were not authorized, that I have been the victim of the robbery of my funds, why they can not reverse the transactions? Why they can not stop the transaction that was still fresh and was showing as pending? They could not at least open a serious investigation? 

Frauds may be considered a federal crime, and BofA seems to be taking these cases so lightly. 

By doing nothing and looking to the side, Bank of America is not only damaging me and me family for the loss of our funds, but they are also being an accomplice on this illegal activity.
Consumer complaint received 2023-01-25
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. (AL)

under 15 USC 1681. 
Account name : XXXX acct # XXXX Account name : XXXX acct # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-12
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: JPMORGAN CHASE & CO. (MA)

Person or Persons are applying for Credit cards using my personal information. I have not applied for any credit cards in over 5 years, but I am receiving a card in the mail that was approved, along with another mail from a different institution saying my application was not approved.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

According to the FCRA 15 USC 1681a A ( i ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
My transaction history between I and Capital One Auto Finance is excluded from the consumer report. 

Capital One Auto Finance is reporting Late Payments on consumer report I have 9 missed payments and the dates are different on all three credit bureaus.
Consumer complaint received 2022-12-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Client Services, Inc. (TX)

I have a credit card debt with XXXX XXXX  and was referred to Client Service Inc. After several phone calls, I was able to finally talk to an agent who did verify that this debt was referred to them. However, this particular individual was very aggressive in working a payment plan and demanded immediately my bank account information. I was told to do that in order to avoid further action, although that was never specified. XXXX XXXX  never notified me that they were sending my account to a third party. There is very little information regarding this matter from either agency except to what was said to me over the phone. I have no access to any information regarding my account from XXXX and CSI.
Consumer complaint received 2023-08-12
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: Valley Collection Service, LLC (AZ)

I have paid all outstanding balances of {$91.00} on XXXX XX/XX/2021 to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, AZ XXXX After completing the debt payment procedure. My credit record should have been deleted, but to this day my credit score is still bad because the debt still exists in the government 's computer system, which has not been cleared. Therefore, I earnestly request that you check and correct my credit score
Consumer complaint received 2023-08-12
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 (IL)

On XX/XX/2023, I purchased XXXX tickets for the XXXX  concert at the XXXX XXXX for XX/XX/2023. They were to be delivered electronically via email. 

I received an email the tickets had been transferred but never received the tickets. I called several times speaking with a customer service rep to had me search all of my email boxes for XXXX XXXX XXXX and XXXX XXXX. 

After the tickets could not be located, the rep said they would contact the seller and have him retransfer the tickets. 

In the meantime while waiting for the retransfer of tickets, I called and emailed XXXX, checked my email boxes daily, and checked my XXXX account daily. 

The concert came and went with no help. I contacted XXXX who was not able to provide a refund. I contact my Bank of America card to dispute the purchase. This week I received a closed dispute letter from Bank of America saying I was responsible for the charges. 
Attached was XXXX policy but nothing about an investigation into this matter.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (DC)

My car insurance company paid off the bullk of my car loan to Toyota financial and my gap insurance that was also from Toyota financial was supposed to pay off remainder of balance I called gap insurance they said they paid it off and emailed me confirmation but never received it. On my credit report it say my Toyota acc. Was closed and they double back and put my acc. As bad credit write off that is now hurting my score. Now I call Toyota financial back and they are just transferring my back and forth without telling me who they are sending me to next thing I know I'm speaking to some who say they are debt collectors for Toyota financial and I owe them money and I'm like my acc. Is closed paid off at no time anyone from Toyota tell me otherwise. I need them to fix there error and I hope there calls are being recorded to prove what I'm talking about but rather than them explaining to me what's going on they keep transferring me telling me they have no info u have to speak to another department witch turns out to be debt collectors if that is even true.
Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm aware that under FCRA 605B, it's necessary to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, which is causing me concern.
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MI)

I paid the balance on my credit card late. ( I thought it was due on the XXXX ( XXXX ) but it was due on the XXXX. ( {$84.00} ) When I went to payed it off I selected pay the entire balance but it didn't say that I had a late fee ( {$30.00} ) or of course I would've payed it then. I already made an account when I payed the balance off but it wasn't working. I called them and I had to make another account. I paid the late fee and was told I would be charged another late fee because I only paid off the balance and not the first late fee when it didn't show up on my statement online. I explain this to the customer service representative and explained that I would not pay another late fee and she told me oh well.
Consumer complaint received 2023-08-18
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: ALLY FINANCIAL INC. (LA)

In accordance with the fair credit reporting act ; This creditor has violated my rights under 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a personal account under an open and consumer credit plan as late for any purpose. 

Ally Financial XX/XX/2023 Reported 30 days late
Consumer complaint received 2023-08-11
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. (CA)

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-20
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: EQUIFAX, INC. (FL)

The following Accounts have never been late and the credit bureaus are reporting inaccurate information. The accounts have been in deferred status because of still enrollment in school. Removed the late payment ACCOUNT : XXXXXXXX XXXX XXXXXXXX ( XXXX ) THERE ARE XXXX ACCOUNTS ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX In accordance with the Fair Credit Reporting act, they have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-11-05
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 have sent several requests to the credit bureau, exercising my rights as a consumer to fair reporting. They have not complied with my requests nor have they completed a timely investigation. There have not been any correspondence with regard to my request for verification of what is reported on my credit file. There are several errors that have not been resolved, nor have I received communication within the 30 days.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX Balance Owed : {$200.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00}, XXXX XXXX XXXX XXXX Balance Owed : {$310.00}