davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-13
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. (MA)

I disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and Transunion ) via USPS XXXX mail with XXXX receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR : XXXX, INQUIRY DATE XX/XX/2021 CREDITOR : XXXX, INQUIRY DATE XX/XX/2021
Consumer complaint received 2021-12-13
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( XXXX XXXX, XXXX XXXX XXXX )
Consumer complaint received 2021-12-13
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: TD BANK US HOLDING COMPANY (PA)

Hello- On XX/XX/2021, I had submitted a fraud dispute to TD Bank for a XXXX purchase that I did NOT make. Someone had hacked my XXXX online account and purchased an item for {$200.00} and shipped it to North Carolina. I live in Pennsylvania and did NOT make this purchase. I noticed the fraudulent activity on my account because XXXX sent me a shipping confirmation and I saw the charge was pending on my TD Bank Credit Card dated XX/XX/2021. I immediately called TD Bank but they said I can not formally submit a fraud dispute until the charge was posted to my credit card. They advised I call XXXX directly. I called XXXX and they said the item was already shipped to North Carolina and they could not do anything about it. I told XXXX to cancel my account with them to prevent any more hackers from mis-using my account. Once the {$200.00} was posted to my TD Bank Account, I called TD Bank back to formally submit the fraud dispute. It's been 3 months ( as today is XX/XX/2021 ) and TD Bank has not made any progress on this fraud dispute with XXXX. To this day, the {$200.00} is sitting on my Credit Card as a fraudulent charge. Please assist in resolving this matter. Thank you!
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Persolve, LLC - Legal - Series 2 (FL)

XXXX XXXX I mailed a certified dispute letter to PERSOLVE LEGAL GROUP and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/2021 I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over XXXX on XXXX  they also have over XXXX complaints with the CFPB. The PERSOLVE LEGAL GROUP failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Consumer complaint received 2021-04-16
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 XX/XX/2021 I received a call from Bank of America 's fraud department inquiring as to whether I had made a {$1000.00} ATM withdrawl the day before XX/XX/2021. I informed them that I had attempted to make a withdrawal at the XXXX XXXX BofA location but i received a " insufficient funds '' notice. I figured I had certified for benefits to late on Sunday and the money didn't transfer that monday morning. I was driving to the ATM the following morning, Tuesday XX/XX/XXXX when i recevied their call about fraud. They informed me that someone had done a {$1000.00} ATM withdrawal around XXXX in XXXX XXXX , CA at at BofA ATM. They also had done balance inquiries that day at a XXXX in XXXX XXXX I was told. They froze my card, took a claim, issued a claim number, told me i would receive a provisional credit within 10 days although the investigation could take 45 days, and said they would XXXX me a new card. A few days later i received the new card, i was not able to activate it online so i called BofA and was transferred to the fraud department who put me through several identity checks and then activated my card. The following day i received a letter in the mail from Bank of America dated the exact same day i filed the claim stating " the above listed claim has been closed ''. Clearly they did not investigate and pull HD video surveillance from the BofA ATM, analyze the case, generate a letter and mail it on the same day, anyone that deals with Bank of America knows that unless it's them receiving payment, nothing happens that fast. I called back at that point and was informed that when my new card was reactivated that the claim was reopened whoever they claim they are no longer held to Reg E or their zero fraud warranty because they made an initial determination that I was the source of the fraud. This is consistent with literally thousands of stories in online forums, network news TV investigations and three class action lawsuits filed for the exact same reason, Bank of America is systematically closing investigation cases without even looking into them to try to circumvent Reg E laws about provisional credits. They then are putting the burden on the consumer and slandering the card holders like myself by claiming I defrauded Bank of America. I thing is egregious that regulators continue to allow Bank of America to operate outside of Reg E and willingly and knowingly breach the cardholder contract and it's " zero fraud '' guarantee.
Consumer complaint received 2021-12-13
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. (MA)

I disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and Transunion ) via USPS XXXX mail with XXXX receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR : XXXX XXXX, INQUIRY DATE XX/XX/2021
Consumer complaint received 2021-12-13
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. (MA)

I disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( Experian, XXXX, and XXXX XXXX via USPS XXXX mail with XXXX receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR : XXXX XXXX XXXX XXXX XXXX, INQUIRY DATE XX/XX/2020
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma (SC)

Basically my XXXX XXXX had custody of me and had access to my social security number my first issue occurred when I was trying open a bank account and they wouldnt let me open a regular one they said I had to open a prepaid bank account and my second issue was when I was trying file my taxes and afterwards it took me to credit karma and I couldnt make an account because it was already one made with my social security number and when I tried to reset it was my XXXX XXXX XXXX name as a email and I also was told somebody in Florida has an id in my name with their picture
Consumer complaint received 2021-08-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours (TX)

I was notified that my debit day was changed to wednesdays, so I chatted in to their customer service line as this was strange. My paydays are always friday like most of americans. They told me that since my bank would post the deposits on wednesday most of the time they changed it. I let them know that this does happen but in no way was it something that was guaranteed because it depends on the bank and they don't have to post on that day. They assured me that it would be fine and that if there were any issues of overcharges due to the date then they would help and change the date. 
Now that it has happened, they drew the money today wednesday XX/XX/21 and of course my bank hasn't posted the deposit yet. They refuse to change the date stating that its always on wednesday so they can't even though its obvious that is incorrect. They also won't credit the overdraft fees as promised because of their error. I have been in chat with them for 3 hours now and they won't even change the date. They say its based on an algorithm but obviously its broken because this has happened. 
They have made no attempts to assist and then managers have been worse then the agents.
Consumer complaint received 2022-08-27
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. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
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 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (OH)

On XX/XX/year>, I called XXXX and I spoke with Citibank by phone to request that my account be closed. The representative spent a lot of time on the call to try to convince me to keep my account open, but switch to a different credit card product with Citibank. I explained multiple times that I simply don't use my account, and have no need for the credit line. 
The representative claimed to have closed my account ending in XXXX, Citi/AAdvantage Platinum Select credit card account ( image of my card attached ). The representative confirmed that my account balance was {$0.00}. I requested a letter to be mailed to my home confirming that my account was closed, and the representative said that I would get XXXX. 

That did not happen. What did happen is that on XX/XX/year> I received a letter from Citibank dated XX/XX/year> ( attached ) which included my Card Agreement and a Fact Sheet about my AAdvantage Platinum Select account. How could my account be closed if I have received this? So, I called Citibank on XX/XX/year> to ask. The representative I spoke with told me that my account was closed. 

Now, on XX/XX/year>, I receive a letter from Citibank dated XX/XX/year> ( attached ), stating that in XXXX my new physical card " took longer than expected to arrive '', and they don't want me to miss out on my bonus offer, so they want to give me another chance to meet my spend requirement. Again, How could my account be closed of I am getting this letter? 

I believe that Citibank 's practices are unfair, deceptive, and abusive. 

I want to close my account with Citibank. 
I want written confirmation from them that it is closed. I want them to correct the credit reporting for XXXX. 
I want compensation in the amount of {$750.00} to cover the time that I have spent to resolve this issue.
Consumer complaint received 2018-07-09
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. (CA)

TransUnion My credit report dropped10 points and they claim there is no change to my report in there own words this is a report to XXXX XXXX TransUnion I have there report stating this on XX/XX/2018. This is wrong to do this to people. I do have a dispute with TransUnion with the XXXX at this time is this a comeback on me for disputing them .I feel they play games with consumers
Consumer complaint received 2021-12-13
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-13
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. (MA)

I disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all XXXX credit bureaus ( XXXX, XXXX, and Transunion XXXX via USPS XXXX mail with XXXX receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR : XXXX XXXX XXXX, INQUIRY DATE XX/XX/2020 CREDITOR : XXXX XXXX XXXX, INQUIRY DATE XX/XX/2020 CREDITOR : XXXX, INQUIRY DATE XX/XX/2020
Consumer complaint received 2024-06-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (CA)

A vendor requested payment through Venmo. 

I created an account with Venmo and sent the payment. The Venmo terms disclosed that they charge a XXXX  % fee for sending the money. I was ok with this fee. 

Next month when my credit card bill arrived I discovered that Venmo had processed this payment as a " cash advance '' which resulted in a {$10.00} fee in addition to interest penalties. 

Venmo never disclosed that they were going to process this as a cash advance which has these substantial fees and incurs interest. They only disclosed a XXXX  % processing fee.
Consumer complaint received 2021-12-13
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. (LA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (PA)

collections by Spring Oaks Capital , LLC. Account alleged open XXXX XXXX reported to credit bureau XXXX. Spring Oaks Capital LLC claims to have purchased debt on XXXX and states they allegedly sent a verification letter which I never received. They are reporting the original creditor as XXXX XXXX XXXX bank but state they purchased debt from XXXX  bank ... the report has the account being opened on XXXX XXXX which is false this is when spring oaks states they purchased a alleged old debt account not the date of which account was opened .the reporting to the credit bureau does not indicate the original debt nor the original date the account was open. The date could be older than 7 years but definitely older than the 4 month they are Misrepresenting in the reporting to the credit bureau. I have made numerous attempts to have this resolved through the bureau as well as other avenues