davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XX/XX/XXXX I paid {$3400.00} to attend a jazz festival in XXXX, XXXX on XXXX XXXX. This was to include hotel accommodations and a weekend of jazz with Music Getaways. XXXX days before the concert I got a letter that the hotel was oversold and not to come to XXXX. XXXX days before the concert I got a letter to stop calling the hotel because it was not the hotels problem but theirs and they would get back with me and offer me to attend another concert in XXXX. I dont want to attend a concert of theirs in XXXX. They changed the lineup of the concert they cancelled on me and removed the headliner so I have no idea what they will deliver if anything in XXXX ( plus I paid for a concert in XXXX not XXXX ). I have no way of contacting them as you can only reach them by e-mail. I sent them several e-mails and they still have not reached out to me. 

XXXX XXXX is now in bankruptcy, they have several scam sites dedicated to them on FB and XXXX and they also have had newspaper and news reports on their lack of delivering the services promised because they have scammed so many people. Many people have gotten their money back from their credit cards including some with CC accounts at the Bank of America per a poll done on one of those Scam pages on FB. How does Bank of America decide to give some of their customers their money back and not all of them when we all had the same thing happen to us. It seems like it just depends on who reviews it. I want consistency and fairness. Can I repeat their response to me was I did not prove that I did not get what I paid for. I dont understand how the e-mail from Music Getaways received 3 days prior to the show that says DO NOT SHOW up in XXXX XXXX XXXX XXXX is not proof that I DID NOT GET WHAT I PAID FOR. As I today, I gave Music Getaways {$3400.00} of my money and I received absolutely nothing : NO HOTEL and NO JAZZ CONCERT I went through the dispute channel with Bank of America. I sent them the following : Letters cancelling my ability to attend the concert from Music Getaway Letter from the attorney general that they are in bankruptcy court Copies of XXXX XXXX from the Scam website News article on the scam of this concert promoter After all of this Bank of America denied my claim and did not offer me any option to appeal their decision. These people stole my money. I was unable to stay at the hotel or attend the concert, yet they charged me {$3400.00}. 

I am super angry with them for intentionally taking my money but how can a financial institution condone this and not consider it fraud, lack of receipt of services when I did not get what I paid for and I proved it.
Consumer complaint received 2020-03-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (UT)

In XX/XX/2020, I discovered that an unknown person had access to my bank account. My bank account had to be closed and another account with a new number was opened. I went online to Nordstrom to update my banking information. I attempted to delete my old bank account but was unable to do so. XX/XX/XXXX, I made a payment for {$50.00}. On XX/XX/XXXX, I made a payment for {$300.00}. Unbeknownst to me, I made a payment from the closed account which was the default account ; making me 63 days past due. My statements are set to be delivered via email ; however, did not look at them as I have paid my bill every month on time without issue. I did not receive a phone call from Nordstrom about being 63 days late until XX/XX/2020. I saw the negative marks on my credit report, contacted Nordstrom and they were unable to help me. I have talked to Nordstrom customer service about have the 30-day late mark removed, however they explained that they are unable to do so. I have since deleted my old bank account and brought my account current. The 30-day late payment has dropped my credit score 43 points and it has had a negative impact on my life. I am requesting that the 30-day late payment be removed as soon as possible. I have tried to work with Nordstrom to no avail. I have never missed a payment or made a late payment to Nordstrom and I would like the mistake to be cleared up.
Consumer complaint received 2024-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

This complaint is related to my credit report with TransUnion. 

On XX/XX/24 I submitted a dispute. TransUnion has XXXX XXXX  loan debts listed for me through XXXX XXXX XXXX XXXX I only have XXXX XXXX  loan total, and it is through XXXX XXXX XXXX The amounts TransUnion has for each loan are nearly identical, so it appears they are duplicating the same loan and listing both on my credit report. TransUnion does not list the full account numbers for me to reference when talking about the listed loans, and the numbers they do show are identical. I disputed that I had 2 loans, argued I only had one, and also reported that the amount has not been updated ( the balance is lower than listed ). 

On XX/XX/24 I received notice that they have completed the investigation. On their website, when clicking " Dispute Report '' nothing show. The agent I spoke to informed me that they listed that I disagreed with the item, and that I should submit another dispute for the same item to get it deleted. 

On XX/XX/24 I submitted another Dispute for the duplicate listing of my XXXX  loan debt. On XX/XX/24 I received notice of a completed Dispute investigation. Again, when clicking on the Dispute Report on the TransUnion website, no information at all shows. When looking at my Credit Report, it still only says " Completed investigation of FCRA dispute-consumer disagreed '' but lists the amount of the debt. 

At this point, I have no other option but to request the CFPB to step in and force them to correctly only list 1 XXXX  loan.
Consumer complaint received 2020-12-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

I sent letter to Experian trying to dispute inquiries and they said they did not do those anymore. Said I would have to get in touch with the people who put the inquiries there. I did not have contact with companies and that's there job. In addition, XXXX can not be contacted to dispute other inaccurate information. Experian is basically trying to position themselves as a friend to the subscribers and not an unbiased agency. I do not have this problem with the other two agencies.
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (TX)

I am So fed up with this company this is the THIRD time that I've had to submit my information because they claim they can not verify my identity with my documents which makes absolutely no send because I have sent legible government identification. Please complete my request thank you. By the way please do not put a phone number if you never answer nor call back any one, that's very frustrating.
Consumer complaint received 2020-03-03
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. (TX)

After reviewing my personal credit report I attended XXXX XXXX XXXX XXXX XXXX in XXXX the school was under federal investigation of fraud and accreditation at the time. Due to the school going through this investigation in XXXX I am questioning the credibility of my diploma and student loans. The investigation was found as an false claim act in XXXX showing misuse of funds and a lucrative scam. The paper work required to enroll was forged by school officials which resulted in thousands of loans and tuition granted to students like myself. I was lured in to believe that this would be beneficial to my career. proof Quoted from XXXX " XXXX False Claims Act complaint was filed in secret in XX/XX/XXXX. It alleged that XXXX had engaged in a systematic and nationwide fraudulent practice of forging documents and records to create an appearance of student eligibility in order to receive federal funds. Due to these findings I was disbursed money while this institution was under federal investigation which is against the FCRA. This has caused me to have thousands of debt that is unwanted and a diploma that is ineligible. I am experiencing hardships with repaying loans that I never should have occurred due to this federal investigation. I am requesting you send this information over to XXXX  XXXX, experian, XXXX, XXXX and any other parties who have access to my information and debt.
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

After reviewing my personal credit report I attended XXXX XXXX XXXX XXXX XXXX in XXXX the school was under federal investigation of fraud and accreditation at the time. Due to the school going through this investigation in XXXX I am questioning the credibility of my diploma and student loans. The investigation was found as an false claim act in XXXX showing misuse of funds and a lucrative scam. The paper work required to enroll was forged by school officials which resulted in thousands of loans and tuition granted to students like myself. I was lured in to believe that this would be beneficial to my career. proof Quoted from XXXX " XXXX False Claims Act complaint was filed in secret in XX/XX/XXXX. It alleged that XXXX had engaged in a systematic and nationwide fraudulent practice of forging documents and records to create an appearance of student eligibility in order to receive federal funds. Due to these findings I was disbursed money while this institution was under federal investigation which is against the FCRA. This has caused me to have thousands of debt that is unwanted and a diploma that is ineligible. I am experiencing hardships with repaying loans that I never should have occurred due to this federal investigation. I am requesting you send this information over to XXXX  XXXX, XXXX, equifax, XXXX and any other parties who have access to my information and debt.
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After reviewing my personal credit report I attended XXXX XXXX XXXX XXXX XXXX in XXXX the school was under federal investigation of fraud and accreditation at the time. Due to the school going through this investigation in XXXX I am questioning the credibility of my diploma and student loans. The investigation was found as an false claim act in XXXX showing misuse of funds and a lucrative scam. The paper work required to enroll was forged by school officials which resulted in thousands of loans and tuition granted to students like myself. I was lured in to believe that this would be beneficial to my career. proof Quoted from XXXX " XXXX False Claims Act complaint was filed in secret in XX/XX/XXXX. It alleged that XXXX had engaged in a systematic and nationwide fraudulent practice of forging documents and records to create an appearance of student eligibility in order to receive federal funds. Due to these findings I was disbursed money while this institution was under federal investigation which is against the FCRA. This has caused me to have thousands of debt that is unwanted and a diploma that is ineligible. I am experiencing hardships with repaying loans that I never should have occurred due to this federal investigation. I am requesting you send this information over to XXXX  XXXX, XXXX, XXXX transunion and any other parties who have access to my information and debt.
Consumer complaint received 2020-03-03
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: Experian Information Solutions Inc. (GA)

XXXX XXXX is reporting a debt of {$470.00} owed for a credit card with a beginning balance of {$400.00}. The card was opened on XX/XX/XXXX. The Account was closed on XX/XX/XXXX. This debt is not valid and should no longer be appearing in my credit file. In accordance with the FCRA this file should have been removed from reporting as of XX/XX/XXXX.
Consumer complaint received 2020-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXXXXXX is reporting a debt of {$470.00} owed for a credit card with a beginning balance of {$400.00}. The card was opened on XX/XX/XXXX. The Account was closed on XX/XX/XXXX. This debt is not valid and should no longer be appearing in my credit file. In accordance with the FCRA this file should have been removed from reporting as of XX/XX/XXXX.
Consumer complaint received 2021-02-19
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

We initiated the mortgage refinancing process with 5/3 on XX/XX/XXXX. We sent the check for the loan application during this time. The communication with our loan officer and the exchange of documentation was consistent until approximately XX/XX/XXXX. 

As of XX/XX/XXXX, I had sent 3 emails to our loan officer requesting updates on our refinancing. We were finally told our mortgage application was being evaluated in detail and awaiting the initial underwriting review. On XX/XX/XXXX, we received an email that the loan was received from underwriting and with a new processor. 5/3 processing delays and internal policies required our credit report to be run AGAIN. It is common knowledge that each time a credit report is run, it then alerts others who are reviewing credit ( and can be deemed negative ). 

We received closing disclosure documents on XX/XX/XXXX. Per the email 's directions, we requested follow-up information from our loan officer ( the amount we need to bring to closing, the name that should be entered as the payee for the cashiers check, the closing date, the process for closing ). The loan officer replied that he could not " map that out '' at this point, and the title company and the banks closing department needed to review these details once the loan received full approval and finalize final figures. 

I sent follow-up emails and placed phone calls on XX/XX/XXXX, XXXX, XXXX, and XXXX. I can not get adequate support to close this loan. I paid the fee over 7 months ago, the bank has run my credit report multiple times, and each month this loan remains open is an additional month that we are paying a higher mortgage rate than the rate 5/3 agreed to guarantee us as a result of this refinancing.
Consumer complaint received 2020-12-25
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 sent a letter to get a collection removed And transunion has done this before. 

And they removed the collection but then put it back on later on and I have to keep sending letters. 

So this time around they took it off and my credit score has not gone up as a result of it. 
I had 1 derogatory mark. Now I have 0 and my credit score did not go up.
Consumer complaint received 2020-03-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (GA)

I am a victim of ID theft. I have a account with Navy Federal. My account is currently restricted for things I do not have any knowledge of. There was disputes going on with other consumers that I do not have any knowledge of, and for that particular reason Navy Federal placed my account in security. I sent Navy Federal copies of police reports so that I could continue to use my account and they refused.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2020 XXXX accessed my personal credit report. This inquiry is a result of identity theft. Federal Trade Commission Identity theft report is currently on file, and as a result an extended fraud alert was placed on my credit report recently. Wish to dispute this inquiry and have it removed as a result.
Consumer complaint received 2023-02-23
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. (KY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX Balance : {$18000.00} XXXX  XXXX Balance : {$22000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$430.00}
Consumer complaint received 2020-12-24
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: Experian Information Solutions Inc. (FL)

I attempted to make contact with XXXX XXXX XXXX  to update and resolve the reporting that was being done on my credit report. I discussed over the phone with several agents both XXXX of XXXX and in XXXX of XXXX. The resolutions that were provided to me on the initial phone call in XXXX was never met nor followed through by XXXX XXXX. The company has falsely reported incorrect balances of my account to credit bureaus. The current status of the account is not correct and is unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE BEING REPORTED BY YOUR AGENCY. I SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX WITH NO INVESTIGATIVE REPORT RESULT RESPONSES. I HAVE HAD FOUR 30 DAY VIOLATIONS TO RESPOND TO MY DISPUTE LETTER. 

PLEASE SEE ATTACHED IDENTITY THEFT POLICE REPORT, AND IMMEDIATELY DELETE THE BELOW LISTED ACCOUNTS.
Consumer complaint received 2020-12-24
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. (FL)

I attempted to make contact with XXXX XXXX XXXX  in XX/XX/2018 to update and resolve the reporting that was being done on my credit report. There was acknowledgment that both the collector and XXXX XXXX XXXX received my letters of communication and did not update my report accordingly. The current status of the account is not correct and unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE BEING REPORTED BY YOUR AGENCY. I SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX WITH NO INVESTIGATIVE REPORT RESULT RESPONSES. I HAVE HAD FOUR 30 DAY VIOLATIONS TO RESPOND TO MY DISPUTE LETTER. 

PLEASE SEE ATTACHED IDENTITY THEFT POLICE REPORT, AND IMMEDIATELY DELETE THE BELOW LISTED ACCOUNTS.
Consumer complaint received 2022-12-25
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent the companies many documents to tell them I was a victim of identity theft. They threw out that people can steal bank accounts and your social security number to open an account in your name. They stated that payments were made in my name. They said because payments were made through that account, that's why the information was correct. I got a paper from XXXX stating that the account that they are referencing to the account was open due to someone stealing my identity, and they closed down because due to suspicious activities. They took very long to respond to emails and stated they were investigating the XXXX  document when I gave them the document was validated. I stated that the document was strictly confidential, and they wanted to contact me to verify the document. I called a XXXX, and XXXX said they don't share confidential information about their customer. The lady XXXX took it into her own hands to say that she would review herself when I told her I wanted the company herself. XXXX stated in the document that the bank did not belong to me and someone used my account to commit fraud under my name. The company is not helpful. They want to put fingers at you, not that someone else opened this account under your name.