davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

In late XXXX ( XX/XX/23 ) I realized I had written a check that was not going to clear so I stopped in at a branch and spoke to a Bank of America, XXXX representative named XXXX XXXX at XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX. This representative told me that the check would be cancelled and no adverse action taken against my BoA checking account. Later that day, I could not log in to the Bank of America App so I called the XXXX number for help, at which time I learned that my account was in the process of being closed. I asked the rep on the phone, XXXX, how that was possible when the rep earlier told me at the branch it was going to be fine. I was not notified via email or mail. Bank of America just froze my assets and began closing the account without notice to me after telling me it was all set. When I drove back to the branch, I saw XXXX XXXX again and explained what the rep on the phone was saying. She tried to call risk management to stop the closure. We spoke to a supervisor named XXXX who said we would have to call back tomorrow to see if there was a decision made. I followed up with the following day and it had been determined that my account was going to continue the closure and that I would receive a check from the Bank to my address on record. I asked if I could pick up the check at the branch and I was told no, it must be mailed to me. I was told it could take up to sixty days. I called back in XXXX and was told the check was mailed in XXXX. When I asked to confirm the address it was mailed to, I was told it was mailed to an unrelated address on my account. I was told that it was mailed to an address in XXXX, Massachusetts. In no time since I have opened that checking account have I had an address associated from that town. Bank of America sent the cashiers 's check that had two weeks wages from XXXX to an erroneous address and when I pointed that out. They told me I would have to wait for that cashier 's check to expire before they could correct the mistake. When I first opened the account, I shared that I was a member of the XXXX XXXX XXXX in Massachusetts. I was given a hard time about opening an account with the parameters of the Massachusetts XXXX XXXX XXXX, which is a violation of the VAWA act. I can't help but feel that Bank of America has violated it's fiduciary responsibility in lack of communication and not keeping accurate banking records or addresses. The fallout of my wages and money being withheld from me by Bank of America has now brought me in housing court for an eviction case for my family, of which I am a widowed single mother battling XXXX. I don't need additional complications from an incorporated entity that carelessly mis-allocated my earnings and subsequently failed to rectify their error. I am not in a position to cover Bank of America 's fiduciary mistake.
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF HAWAII CORPORATION (HI)

My checking account was fraudulently charged {$12.00} by a Florida scam site ( XXXX XXXX ). I contacted the bank, reported the fraud. They cancelled the card and said they would open a dispute case. I told them it wasn't a dispute, it was a fraudulent charge and I was concerned how they got my debit card information. I asked when I would get my {$12.00} back and they told me when their dispute team finished their investigation.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-06-28
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. (GA)

In accordance with the fair credit reporting act convergent accounts listed below has violated my civil rights : XXXX XXXX XXXX  : opened XX/XX/XXXX XXXX XXXX XXXX : Opened XX/XX/XXXX XXXX XXXX XXXX : Opened : XX/XX/XXXX Dept of ED/ XXXX Opened : XX/XX/XXXX -XXXXXXXX- XXXX1-XXXX -XXXX- XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - 15 U.S.C 1681section 602 A. States that I have the right to privacy. 15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-22
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: Bread Financial Holdings, Inc. (UT)

XXXX & COMENITY BANK CONTINUE TO REPORT INCORRECT INFORMATION ON THIS ACCOUNT. IT'S BEEN WRONG GOING ON LONGER THAN A YEAR! COMENITY LIES TO THE CFPB BY STATING THE COMPLAINT IS " A DUPLICATE '' WHICH IT'S NOT. XXXX LIES TO THE CFPB STATING THAT THEY CHECKED WITH COMENITY WHEN I KNOW THEY DID NOT!!! IT'S NOT A GOOD LOOK FOR EITHER OF THEM AND THEY'RE BOTH IN VIOLATION OF THE ATTACHED FCRA LAW! XXXX DO NOT ATTEMPT TO SEND ME THAT STUPID LETTER YOU LIKE TO SEND DEMANDING ID FROM ME. I ID 'D MYSELF HERE PER THE CFPB 'S REQUIREMENTS. YOU HAD BETTER ACCEPT IT OR I WILL FILE A COMPLETELY SEPARATE DISPUTE TO MAKE THE CFPB AWARE OF WHAT YOU ARE DOING WHICH IS BASICALLY NOTHING!
Consumer complaint received 2022-11-28
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. (MO)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX  Balance : {$1400.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$230.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$640.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX
Consumer complaint received 2017-03-31
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MD)

Dear CFPB, I received my first Credit Card on XX/XX/XXXX and use them all those years, but past 7 months have issue with Citi Bank Credit Card, Dispute which I never experience in my life, right in USA can one large bank do to their customer. I went to Dr in MD and the cost of procedures was {$16.00}. and I did use XXXX of my Credit Cards for payments the first proceeders the Dr. did was was extremely awful I went through many medicalI waited for 2 weeks and it was very bad I contacted Medical Bored and report and I did send them the pictures before and after they did ask me how I paid and I told them they said Dispute all of your CC we need to investigate. Then I went to XXXX XXXX Dr. and they gave me a letter indicated I was not candidate for XXXX 100 %. XXXX of my credit cards they accepted my Dispute and they send me back my {$4000.00} each one, which I already paid for it. The Citi Credit cade since XX/XX/XXXX they start asking me documents and I did send it to them they lies after lies unbelievable and they keep saying we are following XXXX, I did contact XXXX they said Citi Bank lie to you is not from us we can send you an e-mail and they did. I told and send them from my other CC Dispute and they did not care. Finally after 90 days they send me their decision which was they denied my request because I did fully paid for charges. When I read I go crazy how this is possible from the beginning they knew I paid my bills. Why they ask me for all those documents and my times. I contacted Corporate Office and Executive Representative contacted me and all the LIES stared and keep saying we open an investigations but it was lie. I have almost 9 names from Executive Office they talk to me all called made by me and lie after lie and they all said I will call you tomorrow and I never received any call from them, I left 100 's of messages for them they never call me back, none. If someone listen to all the tape I did talk to the this large bank, they call it Citibank Executive Office they can not believe those uneducated, very impolite, nonsense, irresponsible, lier, are working for this large bake in USA and those people are employee in Citibank Executive Office, HOW in the world I should have this kind of experience. For many years I have business accounts, CC, all the difference accounts and I never ever not even close situations like this and I keep asking my self WHY. All this time they manipulate me, lies to me. I have all I say official documents with me to prof it what I said are 100 % correct. I hope one day one of Government Agencies or CFPB can defend me and make the Citi Card pay me back my {$4000.00} which I paid to them and that Dr. which the damage he did on me unfortunately permanent and he does not deserve to make money like this, the State of MD are investigating on this and it takes time and I hope he lose or suspended his license and does not happen to others. Thank you
Consumer complaint received 2023-06-28
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. (WI)

On XX/XX/2023, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. Per section 611 ( a ) of the FCRA, CRA 's are supposed to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 

These following accounts are inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) XXXX XXXX - XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) - Date of last activity is reporting 3 different dates and years XXXX XXXXXXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) - Open date is invalid and is listing more than one XXXX XXXX XXXXXXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) XXXX Date open is incorrect XXXX XXXX XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) - There are 3 different dates listed for date reported XXXX XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) - The date reported is incorrect XXXX XXXX XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) - The high balance reported is not correct XXXX XXXX XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) -The date reported on this account is incorrect as well as the high balance reported. 

XXXX XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) - Date reported is incorrect XXXX XXXXXXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) - Last activity date is incorrect No statement was issued that these accounts were even in dispute so how can it be verified if it's not listed as disputed? It's been well over 30 days and still no results on any investigation. My disputes have not been taken seriously and my rights as a consumer have been violated. This has caused me unnecessary stress due to information that is being reported inaccurately. 

I thought a CRA had 30 days to complete a full investigation. Please explain to me why the law has been violated? 

A copy of my photo ID and address verification was included with each mailing so there is no reason my request should have been ignored. It has been several months now and this needs to be resolved.
Consumer complaint received 2023-06-28
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)

I sent letters to all credit bureaus and creditors in XXXX in regards to incorrect and fraud accounts that are reporting. The items are still reporting and need to be removed immediately! There are accounts that is 7 years old and still reporting and by law that is illegal and can not be reporting! remove it asap please! I do not want to have to take legal action but i will if this matter is not resolved. Please remove these items per 15 usc 1681 b you all are violating my rights as a consumer by furnishing this information without my consent.
Consumer complaint received 2023-06-28
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. (IL)

I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.
Consumer complaint received 2023-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I received my disability check # XXXX the amount of {$3200.00} due to getting injured at work. This is a business check which is drafted from XXXX XXXX Bank. I also have direct deposit from my employer every 2 weeks, with the next XXXX being XX/XX/XXXX. I made a mobile deposit into my Chase Bank checking account on XX/XX/XXXX. After reviewing my account on XX/XX/XXXX, Chase shows my funds would be available on XX/XX/XXXX. I have bills I need to pay, this is not a personal check. Why is it that Chase Bank is taking 2 weeks to clear a business check?
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

This is a follow up to my complaint of XX/XX/13 and my follow upon XXXX to # XXXX I have not received a promised refund of my money from and overpayment from this UPGRADE Loan and I continue to receive emails that my account is OVERDUE and AFFECTING MY CREDIT REPORT WHEN ACCOUNT HAS BEEN PAID OFF 6 MONTHS AGO.
Consumer complaint received 2024-04-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION (NM)

I was suppose to receive a loan from a company called XXXX XXXX who are backed by The Sun Trust Bank and suppose to be backed by CFPD and the XXXX well I was approved for the loan in the amount of {$5000.00} and they told me I've the phone that they are going to make 2 deposits into my mobile banking that they needed my login and password well I did all that they deposited to 2 deposits of XXXX and XXXX for XXXX which amounted to {$300.00} and I was to send the account verification transactions back to them in then in which apon them receiving the amount back to the company they would deposit the loan amount of {$5000.00} into my bank account and when i sent then the verification amount back to them they proceeded to tell me that i had to pay another amount to the bank to show that i could actually afford to pay my loan back each month and it was for the amount of {$200.00} and the loan company told me that the loan company will actually pay 90 % of the {$200.00} and that i only had to pay {$20.00} so i had to go and send them again another {$200.00} in which i only had {$180.00} in my bank account so i had to add {$20.00} cash that i had in my pocket already so when i sent the money to them they said okay ma'am give them 20 mins and the {$5000.00} would be deposited into my account and that was 4 hours ago and i cant get through to anyone noe they will not answer ans now have blocked my phone number from their phone
Consumer complaint received 2023-06-28
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. (MD)

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 Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX  Account numberXXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account numberXXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I'm not sure if I checked the right boxes for the previous questions on the form. It's difficult to assess because I've contacted credit reporting agencies like XXXX and they won't answer my questions, and XXXX who terminated my account in XXXX and couldn't provide any information about their actions against me. So I really have little to go on in identifying actually what is causing my issues. 

I will say that I have a judgement debt for funds a collection company was unable to collect from me. The company I recall that filed the suit in Nebraska was XXXX in XXXX. It was in regards to a year of unpaid rent for a lease as a retail store called XXXX XXXX in XXXX. XXXX terminated my account exactly 7 years after the judgement was established ( XXXX ). 

However there is no evidence that I can find that this ever happened. I mean shouldn't information show up in credit reports, background reports or any others that show negative information in my history? It's like instead of reporting this information, someone has targeted me in a way that this information won't show up, and seemingly indirectly which makes it much more difficult to remove or even identify.
Consumer complaint received 2022-10-22
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. (FL)

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 2024-03-28
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: EQUIFAX, INC. (SC)

I was advised by a XXXX rep to fill out this report because of unauthorized inquiries in my report, please remove all these Unauthorized inquiries on my report. Use same format as before and list inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-28
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. (AL)

I consistently check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct.This has damaged me and held me back for some time. I'm demanding the CFPB to enforce the correction and/or deletion of these items.
Consumer complaint received 2023-06-28
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. (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 Account XXXX has violated my rights. Or list of inquiries 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.