davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I've had several fraudulent transactions on previous account ending in XXXX. As a result, this particular account was closed in XXXX of 2023. I've worked with several merchants for reimbursement and reversals during the time of my account closure! I've also contacted my financial institution, ( BOA ) to assist. For several months, I was informed to work directly with the merchants. I eventually submitted the claim to the bank because nothing was being resolved. Not long after I submitted my claims, I received documents for each claim stating that My claim can not be approved because they fell outside of the dispute time frames that the bank follows. However, I was only doing what I was instructed to do which was work with the merchants directly. Also, as I was calling the bank back and forth, it would have been feasible if a representative ( s ) would have told me that I am reaching my deadline. I tried everything in my power to get this done without involving the bank on their behalf. 

Below are the dates that I received the correspondences for my unapproved claims, ranging from the timeframe dispute, along with other unapproved claims and expectations for those. I've also attached statements that I faxed to Bank of America 's claims resolution department. 

XX/XX/2023 for XXXX XXXX XXXX 's for the amount of {$1500.00}. I was double charged one lump sum, and then several small transactions ( dispute timeframe ). 

XX/XX/2023 for the XXXX store in the amount of {$1300.00}. This particular claim was declined due to the charge " being authorized by me or someone who has permission to use the card or account '', per my correspondence. 

XX/XX/2023 for XXXX and the amount of {$230.00}. This merchandise was never received and some of it was damaged. ( dispute timeframe ). 

XX/XX/2023 for XXXX XXXX in the amount of {$5100.00}. The initial total for this valid transaction was {$11.00}, XXXX. The {$5100.00} is from return merchandise that was unable to be processed on a closed account. ( Dispute timeframe ). 

XX/XX/2023 for XXXX in the amount of {$410.00}. This was a valid transaction, however someone picked up my merchandise and the ID wasn't checked. I never received my items. 

XX/XX/2023 for XXXX  in the amount of XXXX. I was double charged for this transaction. I paid the XXXX XXXX directly, however this also falls out of the ( dispute timeframe ).
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a formal complaint against XXXX XXXX, XXXXXXXX XXXX, transunion, XXXX and XXXX regarding the unauthorized disclosure of my nonpublic personal information to consumer reporting agencies without my clear and conspicuous consent. This violation of my privacy rights has resulted in the inclusion of sensitive information, such as my social security number, account transactions, and balances, in my consumer report, and I am seeking your assistance in resolving this matter. 
As a consumer, I applied for credit cards with both XXXX XXXX and XXXX XXXX. Regrettably, these companies unlawfully sold my nonpublic personal information to third-party consumer reporting agencies, without adequately disclosing or obtaining my consent, as required by 15 USC 6802. According to the United States Code, a financial institution must clearly and conspicuously inform consumers that their nonpublic personal information may be disclosed to a third party. However, I was never provided with such notice or given the opportunity to provide my consent. 
On XX/XX/2023, I reported the identity theft to the Federal Trade Commission and provided them with detailed information about the unauthorized accounts on my consumer report. Despite taking these appropriate steps, the reported information has not been removed from my consumer report, resulting in an ongoing violation of the United States Code and a severe breach of my privacy rights. 
I request your immediate intervention and assistance in rectifying this matter. I demand that the consumer reporting agencies promptly remove the unauthorized accounts from my consumer report. Additionally, I seek appropriate measures to ensure the prevention of future unauthorized disclosures and mishandling of consumers ' nonpublic personal information. 
Furthermore, I am deeply concerned about the lack of concern shown by the consumer reporting agencies in addressing this matter. The inclusion of this information in my consumer report represents a significant violation of the United States Code and has caused immense distress and frustration. I request that you convey the seriousness of this issue to the consumer reporting agencies and emphasize the need for them to rectify this situation promptly. 
I would appreciate your assistance in facilitating a fair resolution to this matter. Please keep me informed of any actions taken or progress made regarding my complaint. If necessary, I am fully prepared to pursue legal action to protect my rights and seek appropriate remedies under the law. 
Thank you for your attention to this urgent matter. I look forward to a swift resolution of this complaint. 

Acc Name : Acc # XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (FL)

I never had a Robbery with a firearmon my record, information is inaccurate.. I had a attempted robbery in XX/XX/2008. My charges are XXXX years ago I really dont appreciate the inaccuracies in my report.
Consumer complaint received 2023-08-17
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: Experian Information Solutions Inc. (CA)

I am writing to formally express my extreme frustration and disappointment with the consistently inaccurate information being reported on my credit profile by [ Experian/XXXX XXXX for the past year. Despite my persistent efforts to rectify these errors in accordance with my rights as a consumer under the Fair Credit Reporting Act ( 15 U.S.C 1681 ), it is disheartening to note that these issues remain unresolved.

Over the course of the past several months, I have repeatedly exercised my right to dispute the inaccuracies on my credit report, citing the provisions of 15 U.S.C 1681 as a reminder of your legal obligation to ensure the fairness of the information you disseminate. My disputes on all 5 accounts listed below ( In Addition to, an address I have no knowledge of nor have I lived at the address ), each backed by solid evidence of inaccuracies, have been submitted through certified mail and meticulously documented to ensure a clear and traceable record of communication.

Despite my adherence to the prescribed dispute process and the gravity of the matter, I have yet to witness any meaningful action taken by the companies listed to rectify these erroneous entries. It is disconcerting to realize that my diligent efforts to correct these inaccuracies, backed by the law, have been met with indifference.

Furthermore, I have discovered that my personal information has been shared without my consent to various third-party entities for financial benefit, a practice that appears to contradict both the principles of privacy and the standards set forth by the Fair Credit Reporting Act. The unauthorized sharing of my sensitive financial data raises serious concerns about my privacy and security, and it is essential that this practice is immediately ceased.

I want to emphasize that my intent is not to engage in a confrontational exchange but rather to assert my rights and seek a resolution that upholds the principles of fairness, transparency, and accuracy that the credit reporting system is built upon.

In light of the continued inaction and indifference to my plight, I am left with no choice but to escalate this matter. I expect an urgent and comprehensive response to this complaint, to rectify the inaccuracies on my credit report and ensure that my personal information is no longer shared without my explicit consent. Failure to address these concerns adequately will leave me with no alternative but to pursue legal avenues to protect my rights and seek appropriate compensation for the damages caused by these inaccuracies.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1982 SS # : XXXX Dear Consumer Financial Protection Bureau, I am writing to bring to your attention several serious violations of consumer protection laws that have significantly impacted my financial well-being and overall quality of life. I am seeking your assistance and intervention to ensure that these violations are rectified and to request the removal of unverified accounts from my credit report. 

I have recently become aware of numerous inaccuracies and violations that have appeared on my credit report, jeopardizing my financial stability and personal security. The violations I wish to address are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The implications of these violations are far-reaching and have caused me undue emotional distress and hardship. To illustrate the impact, I would like to share a personal story : For the past year, I have been diligently working to secure a mortgage for my first home. The dream of homeownership, something I've aspired to since childhood, finally felt within reach. However, the inaccuracies on my credit report have led to higher interest rates, stricter loan terms, and even the denial of mortgage applications. This heart-wrenching setback has not only shattered my dreams of providing a stable home for my family but has also put an immense strain on my mental and emotional well-being. 

Given the severity of these violations and their profound effects on my life, I kindly request your immediate intervention to enforce the relevant consumer protection laws. Specifically, I ask that you ensure the following actions are taken : Conduct a thorough investigation into each violation to verify their accuracy and remedy the inaccuracies.

In accordance with the FCRA, remove any unverified accounts from my credit report, including the accounts listed above.

I am deeply grateful for your attention to this matter and your commitment to upholding consumer rights. Your intervention is my last hope in rectifying these issues and rebuilding my financial stability. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Two days ago I attempted to open a XXXX  XXXX XXXX card at Capital One. It was advertised with a {$200.00} bonus after spending {$500.00} in purchases within the first 3 months of account opening. This card is meant for people with excellent credit ; XXXX XXXX states my last XXXX XXXX XXXX was XXXX. Capital One performed a hard inquiry and denied me for the card with the bonus, but approved me for the exact same card with no bonus. With all the credit card options currently available, I would have never applied for any card without a bonus and denied their offer to open the bonus-less card. If Capital One did not feel I was a good candidate for the credit card I applied for, they should have denied me altogether. Yesterday, I applied for a XXXX XXXX card with a bonus and was approved. Im disappointed that Capital One is advertising something, running hard credit inquiries which negatively affect the consumer, and then denying them for only the bonus advertised.
Consumer complaint received 2023-08-17
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. (OH)

My information was exposed in the XXXX, Transunion, XXXX XXXX breach. I pulled my credit reports and noticed that I had a lot of unauthorized and inaccurate accounts that I did not consent to. I didn't consent to opening these accounts and I did not consent to the credit bureaus furnishing these unauthorized and inaccurate accounts. this is not fair to me because this is ruining my reputation with the banking system. I need these accounts removed immediately.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-08-17
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. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2023-08-17
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)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
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 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. (GA)

This unknown account was opened without my consent. I have filed FTC and sent numerous mails but it still shows on my credit report Bank : XXXX XXXX XXXX. 
Account # XXXX Opened on XX/XX/2020 XXXX {$44.00}
Consumer complaint received 2023-11-12
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. (TX)

In accordance with the Fair Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In early XXXX, Bank of America sent out two promotional balance offers. One was a 0 % interest rate balance transfer good through XX/XX/XXXX and the other was a 1.5 % balance transfer good through a certain date. I used the 0 % offer check for {$30000.00} to cover repair costs for a XX/XX/XXXX flood that is currently on my home equity line of credit. 

I accessed my online Bank of America account on XX/XX/XXXX to discover a {$1200.00} check transaction charge. After calling Bank of America 's customer service number, the agent explained that a 4 %, or {$1200.00}, transaction fee was assessed for this balance transfer. In order for Bank of America to reverse the 4 % transaction fee, I had to pay the {$30000.00} transfer back today, which I have done. I will have to call back tomorrow after the payment posts to ensure that the transaction fee is reversed. 

This offer is predatory and misleading to consumers. Most people who take advantage of these offers will not be able to pay back the loan immediately and are assessed a fee higher than the typical credit card transaction fee, which typically average 3 %. Please make sure that consumers are protected from false advertising on balance transfers.
Consumer complaint received 2020-08-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

It has been over 60 days since I've sent letters to this bureau and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response. I am trying to purchase a house and need answers soon. We have lost 60 days plus on this process.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXX/XX/XXXX