davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Someone cloned my debit card and stole ~ {$2000.00}, Bank of America has denied my claim and not given any real reason.
Consumer complaint received 2024-03-11
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 Credit Reporting act XXXX and XXXX XXXX account # 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. Code 1681s2 - 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 2022-04-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Neon Newco Corporation (NC)

On XX/XX/2022 I called XXXX ( Netspend ) to reverse a transaction that was made by using XXXX XXXX. When explaining to the representative from netspend that XXXX canceled the transaction id XXXX And I should be seeing the funds in my account the rep canceled my debit card along with not saying anything when I asked why would you cancel my card because it was not stolen or used fraudulent the rep put his speaker on mute and would not respond and eventually disconnected the call.
Consumer complaint received 2022-04-20
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: FIFTH THIRD FINANCIAL CORPORATION (NC)

My complaint is about Fifth Third Bank. I contacted them for the last couple months trying to have this account removed off my credit. I contacted them they stated they will remove it. It never went no where. Im in process of purchasing a house and this account reporting as closed in XXXX is hindering my process. I need this account off of credit report like bank stated they will do. The account is also pass 7 years!
Consumer complaint received 2022-04-20
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00}. I did not authorize this transaction and Im not aware of this debt. According to the fair credit reporting act I should have been sent a statement regarding the debt that would allow me 30 daysto respond or dispute the debt. I would like to see proof of a contract or signature that I provided.
Consumer complaint received 2017-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

I have attempted to get this account removed from my credit report already. The collection agency in cooperation with XXXX XXXX XXXX is now committing fraud and producing fraudulent documents to change their claimed source of the debt they claim. At first they said the debt was for unreturned equipment, now that they see I can prove that I did in fact return the equipment, they produced fraudulent past due bills, they have run into another problem, the dates of service they are claiming, are for periods when I did not own the property where they claim the service was provided. This is outright fraud being committed by XXXX XXXX XXXX and the collections agency attempting to do XXXX XXXX XXXX 's bidding.
Consumer complaint received 2016-04-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I had an account with Bank of America for about a year. Up until recently it was closed due to the fact that it was overdrawn for about for months or so. The overdraft amount was XXXX and some change. Which all amounted, from thier overdraft fees which they kept adding for returned transactions. Now I 'm not at all denying the fact I have transactions that were returned due to insuffcient funds. However the reason the account was closed was simply due to the extented overdraft fees that BOA charged, which amounted XXXX. I refuse to allow them to falsly accused me of abusing an account. Which now un allows me to open any other accounts. I also had a savings account with them as well, they also reported that I abused that account simply because I did not put XXXX into that account within 4 months. I absolutely can not believe that this bank is allowed to do this! I accept my responbility in this matter. However I will not allow this bank to degrade my charater, simply because they closed my account, because of thier extended fees along with my returned tranactions.
Consumer complaint received 2022-04-20
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. (GA)

XXXX XXXX  XXXX XXXX XXXX XXXX {$2100.00}. I did not authorize this transaction and Im not aware of this debt. According to the fair credit reporting act I should have been sent a statement regarding the debt that would allow me 30 daysto respond or dispute the debt. I would like to see proof of a contract or signature that I provided.
Consumer complaint received 2022-04-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (PA)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXXXXXX XXXX XXXX/ {$0.00} / XX/XX/XXXX ( Original Creditor : )/ {$35.00} / XX/XX/XXXX
Consumer complaint received 2022-04-20
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -DEPT OF ED XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXXXXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX NEGATIVE ACCOUNTS XXXX -XXXX XXXX -XXXX XXXX XXXX XXXX -XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXXXXXX -XXXX  XXXX XXXX XXXX  XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-15
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. (NY)

I didnt authorize these car dealerships to put all these hard inquires on my credit report! The hard inquires are as listed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-20
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. (TX)

XXXX XXXX XXXX is continuing to report missed payments on a charged off account on a car I surrendered due to severe illness back in 2017. 
The amount is now showing as roughly {$20000.00} but the account is closed and charged off.
Consumer complaint received 2022-04-20
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. (TX)

XXXX XXXX XXXX is continuing to report missed payments on a charged off account on a car I surrendered due to XXXX XXXX back in 2017. 
The amount is now showing as roughly {$20000.00} but the account is closed and charged off.
Consumer complaint received 2022-04-20
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. (TX)

There are several accounts being report it on my credit report. I do not know any of these companies. I have never done businesses with any of them. These collections companies do not have a contact with my signature.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry XXXX XXXX XXXX XXXXXXXX of inquiry : XX/XX/2022
Consumer complaint received 2022-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

While viewing my Transunion report, I noticed that a bankruptcy of my consumer report which was obtained from The Public Access to Court Electronic Records ( PACER ) by you ( LCI ). Pacer, a service that provides electronic public access to federal court records. Pursuant to the reporting requirements, the reporting does not comply with FCRA, You violated my right to privacy by obtaining information regarding bankruptcy from pacer and furnishing my credit report. The Law Clearly states that, 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
You did not respect my right to privacy, nor treated me fairly. This has damaged my reputation and it makes it difficult for me to obtain credit. 
Also, I did not give you written permission to obtain and furnish my personal information to the consumer reporting agency. 
( 15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) IN GENERAL SUBJECT to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I did not give you written permission to provide any information for my consumer report. 

Also, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 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 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Identity theft 15 USC1681b- Conditions for furnishing and using consumer reports for employment purposes With no permissible purpose. Meaning they didnt get my written consent to furnish anything on my account. I didnt give written instruction. 

Without permissible purpose = identity theft
Consumer complaint received 2022-07-12
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # 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
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: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., XXXX days ). Please let me know if you require anything else. Please remove the following items off my Credit File as soon as possible : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX 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 XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, please comply with the law.
Consumer complaint received 2021-08-26
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: EQUIFAX, INC. (MI)

The notes are, the bureaus arent following their own rules and guidelines, the 609 debt validation was sent as well as a demand to comply with no response.
Consumer complaint received 2016-01-09
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Please know that I have filed a lawsuit against Bank Of America, XXXX, XXXX, And XXXX concerning the tradeline on my credit report from Bank Of America. I have already prevailed in XXXX of the cases against XXXX of the agencies. I have enclosed a copy of the complaint and proof of service. I am trying to avoid Small Claims and civil case. I am giving one last opportunity to correct their mistake and remove Bank Of America completely off of my credit report or correct the trade line as never late. 

In a recorded conversation, the representative said that they were not able to prove/send me anything that I was ever late. I have shared this phone call with the credit agency, and to Bank Of America Corporate, yet they continue to report inaccurate information about me and I have sent several rounds of letters to both Bank Of America And The Credit Agencies, all whom now have individual cases that I have brought against them, XXXX of which I have already prevailed with damages under the FCRA. 

At this point the damage has been done and I am holding all parties from the Information Furnisher to the credit agencies all responsible and have yet to receive any correspondence from Bank Of America Or The Credit Agency regarding any responses to my letters that I have sent certified mail, all were received. 

All of my previous letters via certified mail stated my reasons for dispute and were not frivolous in anyway. 

I will prevail as the protections afforded to me under the FCRA entitle me to {$1000.00} per violation. This is my final communication attempt before court in XXXX.
Consumer complaint received 2022-10-14
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: Chime Financial Inc (IL)

My card was used on XX/XX/22 for {$95.00} for a website called XXXX XXXX. I did not make this transaction so I called CHIME banking and the woman told me I had to wait for the transaction to no longer be pending to file a dispute. While on the phone they tried to use it again for {$230.00} but i locked the card so it didnt do through. The lady then helped me cancel and order new card. Few days later I put in dispute and get an email back saying no error was found so I will not be credited back. I called today ( XX/XX/22 ) and lady said unless I have new Information I can not make another claim and the first one I made will remain closed. I have emailed XXXX XXXX as well the same day it happened and today and I have not received an email yet so Im stuck with no clue on how to get this settled..
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

Please update both XXXX and XXXX XXXX accounts. information being reported is inaccurate. 

XXXX, SOLD THE ACCOUNT, THEY NO LONGER OWN IT. 
XXXX XXXX, REMOVED LATE PAYMENT INFORMATION. 

THEY REFUSE TO ACCEPT DISPUTES ON THESE PARTICULAR ACCOUNTS AND HAVE ASKED THAT I SEND LETTERS TO THEM. I REFUSE. ITS THEIR RESPONSIBILITY TO REPORT ACCURATE INFORMATION, PER FCRA. 

EXPERIAN IS ROGUE, THEY SEEM TO DO AS THEY PLEASE< MAKE UP THEIR OWN RULES, WHILE USING THIS INFORMATION TO DESTROY PEOPLE FINANCIALLY, WITH NO ONE HOLDING THEM OR THEIR ACTIONS OF ABUSE AND BULLYING ACCOUNTABLE.
Consumer complaint received 2021-10-18
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. (MO)

My identity has been compromised in which lead to someone opening up fraudulent accounts in my name therefore Im demanding that the following accounts be blocked and removed from my credit files. 

a. XXXX XXXX XXXX {$68.00} b. XXXX XXXX {$1700.00} c. XXXX XXXX XXXX
Consumer complaint received 2022-10-14
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. (FL)

I recently checked my credit report and I have seen 2 accounts that I was unaware of and did not authorize. I have never lived at those apartment complexes and I don't understand how someone was able to open these lease 's in my name
Consumer complaint received 2023-10-20
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/ I went to the banking center above and purchased a cashiers check to pay my rent at XXXXXXXX XXXX. The Cashiers Check was for {$2200.00} made payable to XXXX from my Business Checking Account under XXXX XXXX XXXX the fee for the cashiers check was debited from that account. 
I took the check and went straight to the XXXX XXXX and I turn the check in. The next day, I noticed that the rent payment was not posted to the rent account and I went to the office and was told that the cashiers check was lost. I immediately went to the banking center where I purchased the cashier check and I was told that the bank could not return my money to me until 90 days from the day the cashiers check was purchased. I spoke with the manager and she told me to at least wait 30 days and then she would see what could be done to replace the cashiers check. The Office Manager at XXXXXXXX XXXX told me that she could not wait 30 days for me to come up with the funds. I then spoke to my church pastor and he lend me the {$2200.00} in order to pay my rent so I would not be evicted. Thorough out this entire issue the bank manager and other employees verified that the cashier check that was lost has not been negotiated even until todays date ( XX/XX/ ). I then went on XXXX and shared my experience with the Truist Customer service and several days later I received a response from the customer advocate department ( XXXX XXXX who told me that she was going to see what she could do this was on XX/XX/XXXX XXXX XXXX 
Today, XX/XX/XXXX XXXX  called me regarding my situation Case # XXXX and informed me that there was nothing that could be done in order for me to get reimbursed the {$2200.00}. 
Please help me in getting this issue resolved by helping me in getting Truist bank in reimbursing me the {$2200.00} from the lost cashier check.