davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

For several months, I've been unable to link my XXXX XXXX XXXX XXXX ( XXXX  ) to my Bank of America ( BofA ) account for standard ACH transfers. This is preventing me from easily funding my XXXX XXXX, a basic banking function. 
Attempts to add the XXXX XXXX on BofA  's website result in an error message : " Your account has not been added. The information you entered is invalid. '' All information entered is correct. 
On XX/XX/2024, I called BofA support ( XXXX ) for assistance. The issue remained unresolved. 
On XX/XX/2024, I called again. I spoke with representative XXXX, then XXXX XXXX ( XX/XX/XXXX: XXXX ). XXXX claimed transfers to brokerage accounts aren't supported due to " compatibility issues. '' This explanation is inadequate for a standard banking function. 
BofA has failed to : - Enable linking of my XXXX XXXX for transfers - Provide a clear explanation for why this isn't possible - Offer an alternative solution for easy transfers between these accounts This ongoing issue significantly impairs my ability to manage my finances effectively. It raises concerns about potential limitations on consumer rights to access and control funds across financial institutions. Furthermore, the difficulty in transferring funds to a competitor 's account ( XXXX ) could be perceived as a practice that limits consumer choice and financial flexibility. 
Despite multiple attempts to resolve this through BofA 's customer service channels, the problem persists. I'm seeking assistance to ensure that my rights as a banking consumer are protected, that BofA provides the basic service of allowing transfers to external accounts, and that there are no undue restrictions on moving funds between financial institutions.
Consumer complaint received 2023-01-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

on XX/XX/2020 XXXX XXXX opened up a collection. 
account number {$780.00} that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 

XXXX XXXX
Consumer complaint received 2023-01-16
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-12-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (NJ)

HIPAA VIOLATION Acct # XXXX I asked for validation as well as verification of this alleged debt ... ..I was responded with verified as well as sent notification from IC SYSTEMS INC ... .which clearly violates my rights according to HIPAA.

IC SYSTEMS INC did not provide me a HIPAA release that releases my medical information to them, therefor they are in violation of my HIPAA rights. I will proceed with legal action prescribed by law should this item not be deleted within the required time allowed by law.
Consumer complaint received 2019-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The credit bureaus have not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  XXXX BANK XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late
Consumer complaint received 2019-12-17
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: EQUIFAX, INC. (TX)

Since XXXX 2019 I have contacted the collection agency all three credit bureaus ( XXXX, Equifax, and XXXX  ) and XXXX   XXXX disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over ten months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question is XXXX XXXX ( original creditor XXXX ) ... Amount {$1300.00} for an authorized/unknown utility.
Consumer complaint received 2023-01-16
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-12-20
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (WA)

Back on XX/XX/XXXX I went to XXXX XXXX  in the XXXX XXXX to use my Direct Express Master Card and was going to withdraw {$360.00} out of the drive up cash machine. The bank wanted a {$4.00} service charge so I cancelled the transaction and never got the {$360.00} cash out of the machine. Only 9 minutes later I went to XXXX  XXXX XXXX  and withdrew the {$360.00} out to pay my part of the rent with. On the XXXX of XXXX I had a reversal debit charge of {$360.00} and I filed a dispute with Direct Express and they sent me a final determination paper telling me there was no error made. So I called back the dispute dept. the same day I got the final determination paper back and they tried to tell me that I received the first {$360.00} out of the machine and I did not. I have called them and spent hours on end on hold with them fighting this dispute and they said I may request a copy of the documents with were used in determining the final outcome on my paperwork but every time I ask for the documents they say they mailed them to me and I never get them. I have been on hold with them on this number XXXX over 800 minutes in 2 months time. I only get {$510.00} a month SSI so there was no way I could have got two {$360.00} transactions within 10 minutes. I never have that much money in the bank. Direct Express has over 1000 complaints with the XXXX  and other places about missing money, bad customer service etc. I wanted to file another dispute on XXXX but after contacting them, they said they have made the final determination and no error occurred on my account and the case was closed and I can not file another dispute. My Dispute Tracking ID # is XXXX
Consumer complaint received 2019-12-23
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. (GA)

The credit bureaus have not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX ] XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX, XXXX, TransUnion Credit Bureau XXXX : Request for Removal of Repossession from Credit Report Dear Credit reporting Agency I hope this letter finds you well. I am writing to formally request the removal of an incorrect or outdated repossession listed on my credit report. 

The account in question is as follows : XXXX XXXX XXXX XXXX Upon reviewing my credit report, I noticed that this repossession is either inaccurate or no longer relevant, as [ explain briefly whye.g., the account was settled, the information is outdated, or it was reported incorrectly ]. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any items that are incomplete, inaccurate, or unverifiable. 

I respectfully request that you investigate this matter and remove the repossession from my credit report. Please notify me once the item has been corrected or deleted, and kindly provide me with an updated copy of my credit report. 

I have included supporting documentation to assist with your investigation. 
Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-12-23
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. (CA)

To whom it may concern, my complaint is directed to Experian who denied me my right to dispute several erroneous hard inquires on my credit report. I made a phone call to the Experian dispute center XXXX international ) on XX/XX/2019 and I was connected with XXXX. I told XXXX that I recently looked into my credit report for the first time on Experian a few fays back and I found several erroneous hard inquires. XXXX told me that I could contact the companies or be directed to the fraud department. I cited the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information. 
( 1 ) Reinvestigation required. 
( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph XXXX 5 XXXX, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 
XXXX began to get agitated with me and started cutting me off and raising his voice. Again, he told me that hard inquiries were not able to be disputed by Experian. I then asked XXXX to transfer me to his supervisor, XXXX. XXXX apologized for the inconvenienced but told me the same thing XXXX did. I then asked to be transferred to the fraud department located in TX, USA. I was connected with XXXX who also informed me that I was not allowed to make a dispute against hard inquires on my file. I asked her to transfer the phone line to her supervisor, XXXX who unfortunately was not available. 
As a U.S. citizen, the Fair Credit Reporting Act gives me the right to directly ask the credit bureau to investigate any fraudulent reporting on my file. Therefore, I am writing this complaint against Experian who denied me my right to investigate the fraudulent inquires and subsequently provide me evidence of their legitimacy according to Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer Since there is no evidence that I initiated these requests, I request that these inquiries be removed from my credit report as per section 611 ( 5 ) ( A ) ( i ), and that Experian promptly delete the following items from my credit report. 
XXXX. XXXX XXXX XXXX ; Inquiry date : XX/XX/2019 XXXX. XXXX  XXXX NA ; Inquiry date : XX/XX/2019 XXXX. XXXX XXXX ; Inquiry date : XX/XX/2019 XXXX. XXXX XXXX ; Inquiry date : XX/XX/2019 2019
Consumer complaint received 2022-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022. I checked my credit report and I noticed there were several created accounts on my credit report. There were four created accounts created on XX/XX/2022, which I did not apply for and there was one that was created a day before the four. I did not apply for any bank or credit cards. I have attached a identy theft affidavit with a list of all the fraudulent accounts. Remove them immediately.
Consumer complaint received 2024-09-12
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. (OK)

Subject : Unauthorized Accounts and Student Loans Fraudulently Opened by Ex-Husband I am filing this complaint to report several accounts and student loans that were unlawfully opened in my name by my ex-husband without my knowledge, consent, or authorization. These actions have negatively impacted my financial standing and credit profile. The fraudulent accounts include : Student Loans : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX Other Unauthorized Accounts : XXXX  - Account Number : XXXX XXXX  XXXX - Account Number : XXXX XXXX - Account Number : XXXX I request that the CFPB investigate this matter, as these accounts were fraudulently obtained without my permission. I have not benefited from these loans or accounts, and I should not be held responsible for any balances or derogatory marks that these creditors have placed on my credit report as a result of this fraudulent activity.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Im not late with XXXX XXXX and In accordance with the Fair Credit Reporting Act this creditor XXXX XXXX has Violated my rights. 15 USC 1681 Section 602 states 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. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as Late for any purpose. XXXX are Violating my rights.
Consumer complaint received 2019-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA (MN)

I received a charge on my credit card bill for {$69.00} dated XX/XX/19 stating that it was for an annual fee. On XX/XX/19 @ XXXX XXXX  I called the number on my credit card XXXX. The call lasted 10 minutes and 42 seconds. I inquired about the annual fee and the rep that I spoke with said that I must pay the fee. I informed the rep that I wanted the card cancelled immediately ; that I was not willing to pay {$69.00} for a credit card. I was told, regardless, I must pay the {$69.00} fee as I had already used the credit card. I again said to cancel the card and wanted to speak with a supervisor. 

A supervisor got on the line and told me that I must pay the annual fee as I had used the card. I was told that there was no way to waive this fee. I explained to the supervisor my frustrations and again said to cancel the card and I would be done with First BankCard. 

First BankCard refuses to cancel this card ; there reason is that when I called to cancel, the rep was not able to read me a full disclosure because I had asked to speak with a supervisor, therefore, they can not and/or willnot cancel this card. 

They are allowing charges to be made on this card, after I spoke with 2 individuals and told both individuals to cancel the card immediately. 

This credit card should have been cancelled on XX/XX/2019 at roughly XXXX XXXX, that date that I called and requested that it be cancelled immediately. 

There is no reason that this company should refuse to cancel the card and give some lame excuse that it is because they were not able to read me a disclosure. At that point, I did not care about any type of disclosure. I wanted the card cancelled immediately and did not want to be held responsible for another {$69.00} annual fee. 

This card should be cancelled effective on the date that I called and told them to cancel it.
Consumer complaint received 2023-01-16
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. (UT)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: AMERICAN EXPRESS COMPANY (OH)

The company negligently mishandled my accounts and personally mistreated me for years. They then retaliated against me and closed my accounts after reporting them to the CFPB. They were told to STOP sending me solicitations or communications of any kind. The company has seemingly decided to sign me up for credit monitoring communications without my consent. I received a " XXXX '' communication on XX/XX/year> without any consent to receive such information from the company.
Consumer complaint received 2023-01-16
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXXXXXX Balance : {$8900.00}
Consumer complaint received 2019-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX Update : Now the credit freeze site take me to a page requesting that I complete a freeze by mail instead of a generic credit report request page.

Still unacceptable. I have found statements from Experian stating that this is a security precaution and intentional ; however, this makes it more difficult to freeze my credit to protect against fraud than it is to take out a new line of credit! This is completely unreasonable and makes absolutely no sense.

I have easily placed a freeze with XXXX  and XXXX  online through their respective websites ( although the XXXX  service was down last night ).
Consumer complaint received 2023-01-16
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$8900.00}
Consumer complaint received 2023-01-16
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. (NJ)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/
Consumer complaint received 2019-11-21
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. (OH)

I have a collection for XXXX XXXX XXXX being reported to my experian report. Currently even after disputing the information it still shows i have made no payments, remains unpaid and has been on my report for 9 years now which exceeds the 7 year rule by two years. I have contacted XXXX  XXXX and left a voicemail a week from today XX/XX/2019 but still have had no call back. I have disputed this with experian many times with no prevail. For the past many years my check has been garnished for this account plus past due arrears. My report does not reflect these payments nor does it show that i am paying on the past due balance. Never the less being reported 2 years past the 7 year law is taking advantage of my rights under the FCRA