davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on prior pages of complaint form I could not find the right questions regarding my problem so chose the closest to my issues. 
here is my problem. 
on XX/XX/2021 my XXXX Bank of america depit cart was hacked and all my money, in the amount of {$4800.00}, was stolen. I filed a police report and file a claim with BofA several times during the year, but BofA was keep denying my claim, I filed with fraud department also, they keep asking me to identify and verify my identity few times, which I did, first time went to bank and verified my ID and signature and second time I faxed them my ID. Every time I filed a complaint they denied my claim, saying " unfortunately we're unable to approve your recent claim '' saying that I took and transferred money to my checking/saving account. I have several checking and saving accounts with Bank of America, if they do detailed investigations they will find out that I did not deposit or transfer any money during that time and amount of {$4800.00}. that money was my XXXX money, my only income during covid because losing my job. 
thanks hope you will be able to solve this issue.
Consumer complaint received 2022-05-30
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. (NY)

I sent a letter on XX/XX/2022 to remove the accounts below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$620.00}
Consumer complaint received 2023-02-20
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. (CT)

XX/XX/2023 a second letter was received by Transunion with regards of reporting inaccurate information on the consumer which the report relates to. Previously a first letter demanding proof of accuracy items came back verified with no proof. Also Transunion has took action to produce documents report non public information without the consumer written consent which identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-30
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. (NY)

I sent a letter on XX/XX/2022 to remove accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint numbers : XXXX ; XXXX ; and XXXX am including them again. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$950.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$130.00}.
Consumer complaint received 2024-03-07
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. (IL)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2023-02-20
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. (VA)

My name is XXXX 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 2022-05-30
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. (NY)

I sent a letter on XX/XX/2022 to remove accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint numbers : XXXX ; XXXX ; and XXXX am including them again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$950.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00}.
Consumer complaint received 2024-03-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Specialized Loan Servicing Holdings LLC (FL)

I applied for a modification with SLS, which was granted on the basis of unemployment notified them XX/XX/2024 they set up trial payments with that information beginning XX/XX/2024 first payment due second payment due XX/XX/2024. I dont know how they expect me to make these payments but I managed to make the first XXXX the second one I had set up a payment date for XX/XX/XXXX. It was drawn out of my account on XX/XX/XXXX funds were not available and transfer was reversed. They then canceled my modification. I called and spoke to an agent who was helpful and sympathetic and thought he would be able to get my modification reinstated but I was told it was canceled and no further help was to be provided, I have issues here One was the start date for the modification being before my unemployment ended to the early attempt to withdraw the payment after I had specifically set up the payment with one of their agents for a specific date request that you are valued this for unfair and deceptive trade practices and an attempt to appear to be trying to assist me XXXX.
Consumer complaint received 2023-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (PA)

I received a 30-day late payment from Macy/CITI, I checked with XXXX XXXX and sure enough, there is a 30-day late on my XXXX account. I called Macy/CITI and started an investigation because they said I have a new account that I never knew about was started a month ago, they said to reach out to the FTC and the credit bureau
Consumer complaint received 2019-03-26
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been disputing information on my credit file and noticed Bank of America was reporting 2 old  accounts. I asked for BOA to send me payment history and all they did was send me a statement saying information was accurate. I didn't get any proof of payments or anything.
Consumer complaint received 2024-03-13
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: EQUIFAX, INC. (NC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-05-30
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. (NY)

I sent a letter on XX/XX/2022 to remove accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint numbers : XXXX ; XXXX ; and XXXX am including them again. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$950.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00}.
Consumer complaint received 2019-03-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/2019, I authorized a payment of {$220.00} to my PayPal Mastercard. I have a PayPal account that's over a decade old and is separate from the PayPal Mastercard account, although I can view both in the same webpage. Recently, because of some chargebacks from a scammer, my account has a negative balance of {$1700.00} and is thus limited. I received an email on XX/XX/XXXX that {$1900.00} was debited from my personal bank account, in the form of a PayPal eCheck, an amount I did not authorized. The reason PayPal was able to do this is because they will not allow me to remove my linked bank account from the my PayPal account. I confirmed with the bank that issued the PayPal Mastercard that only {$220.00} was authorized to make a payment and not the additional {$1700.00}. I contacted a PayPal representative and all I was told was to contact my bank about the issue since PayPal can't do anything. In this link here : https : //www.paypal.com/us/smarthelp/article/will-paypal-have-the-ability-to-withdraw-funds-from-my-bank-account-without-my-permission-faq1148 PayPal states that they will not withdraw funds from my bank account without my permission, which is clearly not the case here. 

I am making this complaint today so that others will learn from my experience and I will demand PayPal remove my bank account linked with my PayPal account.
Consumer complaint received 2022-05-30
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. (PA)

I sent a letter on XX/XX/2022 to remove the accounts below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX Balance : {$6100.00} XXXX  XXXX Balance : {$5700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00}
Consumer complaint received 2022-05-30
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. (NY)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Right now, I'm not certain that you followed all of the Fair Credit Reporting Act 's criteria when conducting your investigation. This was already included in my prior COMPLAINT Numbers : XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX Balance : {$89.00}
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX  XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; Bankruptcy : Discharged XXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX  XXXX bankruptcy discharge Filed on XX/XX/XXXX Reference number : XXXX ; XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2022-05-30
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. (NY)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Right now, I'm not certain that you followed all of the Fair Credit Reporting Act 's criteria when conducting your investigation. This was already included in my prior COMPLAINT Numbers : XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX : {$89.00}
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I pulled my Credit Report and notice their was some fraudulent activity on my file. I filed a police report in on XXXX XXXX, 2017 and an investigation began for Identity Theft. I called on XXXX, Transunion, XXXX and they placed a 90 day alert on my file. Each credit bureau assured me that once I send over the police report ; the 90 day alert will be change to a 7 year alert and all hard inquires and negative accounts will be removed. I applied for a rental and was denied ; I called the rental company to get further clarification. The Credit Bureaus did not place a 7 year hold on my credit report nor they did not delete the hard inquiries and derogatory accounts.
Consumer complaint received 2023-06-15
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: JPMORGAN CHASE & CO. (NV)

I applied for and was approved for a united explorer credit card back in XX/XX/XXXX. At the time, I was on XXXX  in XXXX. My plan was to use the card to cover several of my expenses and spend {$3000.00} in 3 months to receive the XXXX bonus points that they offer. My address at the time was a XXXX XXXX XXXX XXXX, which is a valid USPS Post office for receiving overseas mail. The address was the following : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Unfortunately, due to issues with Chase, they never sent me a physical copy of the card, so I was never able to start spending. Even still, I was supposed to be able to make digital card purchases, however, I was not able to do this because you need a physical copy of the card to login to the account and activate the card. Because I never got the physical card, I was never able to use the card during the promotional period. I left my XXXX  in XXXX in XX/XX/XXXX, and immediately upon getting a physical address in the united states, I contacted Chase/United to get a physical copy of the card finally sent out to me. I received the card, and immediately started spending on it. I have since, spent well above the spending requirement for the promotion. Additionally, I did this because upon speaking to customer service, they informed me that I would still be eligible for the promotion despite the time elapsed, due to the mistake that they made. Thinking this was the case, I spent XXXX  of dollars on their card, thinking I would be getting the bonus after 3 months. Unfortunately, I then received a letter in the mail stating that I would not be eligible for the promotional offer due to the time elapsed. Essentially, not only did chase make it impossible for me to receive this promotion by not sending me the card in the first place, they also gave me misinformation regarding my ability to receive the promotion after finally receiving the card, causing me to spend money on their card, with no benefit to myself. As a service member, who served overseas on a XXXX, I believe it is unacceptable that I was taken advantage of in this way. And I am writing this in hopes that the CFPB will take action, and investigate this company for its misinformation and fraudulent practices, which are negatively impacting U.S. Service members abroad. I have spoken with Chase 's customer account specialists and supervisors and given then numerous chances to correct this issue, however, every time, I have been dismissed with no compassion, no remorse, and zero semblance of any accommodation for their mistake. They have informed me that there is nothing they can, will, or want to do for my situation. I believe these predatory practices should be stopped. Please help me in getting this message delivered to chase/united, regarding their United Explorer Credit Card . Thank you.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX.
Consumer complaint received 2022-05-30
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. (LA)

I received your response Last ( XX/XX/2022 ) that you Close MY COMPLAINT # XXXX, that i sent a on ( XX/XX/2022 ) to Investigate the Innacurate Accounts : XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; .According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: KEYCORP (NY)

I receiveda letter today from KeyBank informing me of a clarification of " the terms of your XXXX account ending in -- --. '' This account apparentlyrepresents a prepaid debit XXXX -- which I do not have and did not open an account for. I'm naturally concerned about fraud. I did try to query Keybank by phone regarding this matter but found their system difficult to negotiate ; that is, without login info I could not access a customer representative. 

I did in fact send an email with the information above ( including the four digits of the account they sent me in the letter ) to a Keybank address but I'm not at all confident that it will reach the right person. 
.
Consumer complaint received 2021-04-20
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. (AL)

I have disputed these XXXX XXXX accounts onXX/XX/XXXXnd XX/XX/ to each of the bureaus, they all are reporting different account statuses, opening date, months of terms, payment status, last reported date, and last date active for each of the accounts. I have called as well ands still have not had my issue resolved.
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

My Experian and XXXX credit report show that they are using a 3rd party XXXX  XXXX to verify a bankruptcy on my credit report. This is a violation of the fair Credit report act. There are errors in this report. I have contacted the courts ( letter attached ). They have not verified any of this information with Experian or XXXX. 

In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report. If you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies.