davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My XXXX Bank of America prepaid card. On Monday XXXX XXXX I attempted to withdraw {$1000.00} dollars off of my XXXX bank of America prepaid card inside in Bank of America via a Teller and the card was declined stating " insufficient funds '' which false due to the fact that I did indeed have the {$1000.00} on my XXXX Bank Of America prepaid card. I called and spoke to XXXX, a Bank of America representative through the customer service line and she checked and saw there was a block on my card and she unblocked the card so I could use my funds. On Tuesday XX/XX/XXXX of 2021 I went to a gas station inside with the clerk and I asked for {$7.00} on the pump for gas and my card was declined again I called Bank of America customer service and the representative stated there was a glitch in the system which was causing the card to be blocked and then they unblock the card the representative stated that someone requested that I was sent out a new card WHICH I HAVE NEVER REQUESTED! and I still wasn't able to use funds. On Thursday XXXX XXXX I went to another Bank of America Location to withdraw {$13.00} which was declined. I called Bank of America customer service and the representative stated they had unblocked my card again and couldn't understand why the card was blocked. Today Saturday XXXX XXXX my card is still blocked and I'm still unable to withdraw and/or use my funds I have been speaking to Bank if America representatives all day the representative stated error code pops up while trying to unblock my code and they can see that it's blocked but it has no reason why. And no one can explain why the card keeps going on blockEvery single time I have attempted to use my Bank of America card it is instantly blocked which prevents me from using my own personal funds on my card. This has been very frustrating due to the fact that I reported this matter to the Bank of America resolution department on Several times as well as the consumer Financial bureau. I received an email from XXXX XXXX Resolution Specialist Regulatory Complaints Bank of America XXXX, extension XXXX Case number : XXXX. XXXX has NOT BEEN HELPFUL OR EVEN ATTEMPT TO RESOLVE THIS ISSUE. I sent her two emails after the block was removed and then placed back on randomly the emails I sent her were on XXXX XXXX and again XXXX XXXX which she has chosen to ignore. The following days I receive a letter in the mail stating in a summary that the blockages would be removed and in 60 days I would receive an actual reason as to why this blockage has continued EVERY SINGLE DAY without reasoning. I have yet to receive a follow up letter and or email. This is completely uncalled for. Today XXXX XXXX my card is blocked and Im unable to use my funds which is preventing me from paying bills and purchasing necessities. I have spoken to several boa rep. And no one can unblock my card.
Consumer complaint received 2023-01-12
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 PULLED MY CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS FROM TRANSUNION THAT DO NOT BELONG TO ME. THEY ARE XXXX XXXX XXXX, XXXXXXXX XXXX. ACCOUNTS ARE FRAUDULENT PLEASE REMOVE. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments 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 card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX VA  XXXX # XXXX has violated my rights. 

15U.S.C 1681 Section 602A.States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX IN Account # XXXX, XXXX  recovery Account # XXXX, and XXXX  recovery Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-04-04
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. (NY)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
Consumer complaint received 2022-10-06
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX IN Account # XXXX, XXXX  recovery Account # XXXX, and XXXX  recovery Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

and list of Inquiries.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-12
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 pulled my credit report and was shocked and upset to learn that I have became a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of purchasing a home for my big family. Please remove from my credit report as 15 U.S code 1681i is law and this is in accurate please help!
Consumer complaint received 2021-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (CA)

My Coinbase account was hacked on XX/XX/XXXX and alt coins were converted to bitcoin, I immediately attempted to freeze my account. Coinbase sent me a form letter email indicating which steps to take to re-instate my account. The Coinbase processes prevented me from completing those steps to even see what funds were stolen or if in fact they were moved out of my account. Coinbase sent another form letter email stating their customer service was escalating the issue to a specialist. Days later, coinbase did not respond. Again I contacted customer service, and received another form letter stating someone would get back to me in 4 to 5 days. On XX/XX/XXXX, I submitted a complaint within coinbase regarding their customer service and that form letter response said they would be in contact within 15 days. To date, I have not received any assistance from Coinbase. I can not get into my account or determine what funds have been stolen. Its been 33 days. I had 0.3 bitcoin, 7 or 8 alt coins, all totaling roughly $ XXXX $ XXXX at the time. 

This is business malpractice. There are no email addresses, no phone numbers to call, and I'm begging for your help.
Consumer complaint received 2022-12-02
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 submitted a letter to Transunion dated XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Please have these accounts repaired : XXXX  XXXX XXXX, XXXX  XXXX XXXX
Consumer complaint received 2021-06-10
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. (GA)

Its been 30 days since I have sent in my 30 days to comply for invalid information on my credit report. I sent a letter on the XXXX, and XXXX I haven't heard anything back after the 30 day time period, and I still haven't heard anything back. By law I understand you guys have to comply with my request of deletion of the negative items I have listed.
Consumer complaint received 2019-07-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

1. XXXX XXXX - if this account is for collection and collection is by default late, by default past due, number 3 both of them is a violation of FCRA- if its a collection, they should not say charge off. because a collection should not be late nor have a past due. Delete this error 2. remove the following accounts because the payment did not show the correct payment history. The student loans were assigned to government and should not reflect a late payment on it XXXX XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX , XXXX   XXXX XXXX,
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (DC)

I have a loan with BEST BUY/CBNA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and BEST BUY/CBNA with no successful resolution. XXXX  and XXXX   were reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-07-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed the late payments on XXXX XXXX XXXX   XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX accounts for months. The accounts were reported as charge off " open '' with balance. High credit balance, if its different with other credit bureaus, where are these numbers come from? Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2019-07-26
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: CAPITAL ONE FINANCIAL CORPORATION (DC)

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CAPITAL ONE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2018-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy federal is trying to charge me recurring overdraft fees. not letting me close account, not stopping outgoing transaction ( some of them are suspicious due to my wallet got stolen ). give excuses to not helping me and keep activity going on so they can keep charging us. we are in recurring cycle now that we aren't able to stop. They don't let us take our money out. they don't let us close account. dealing with them over a month and looks like it will never stop. I think I am working for navy federal. just to give you an idea, every other bank, utilities, and companies help me exceptionally in my bad time ( wallet got stolen ), where navy federal is still taking advantage, even after a month as much as they can. our transaction was posted on different days specifically so that they can charge maximum overdraft protection fees.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I received a notification that XXXX  XXXX XXXX removed my discharged bankruptcy information on their credit cards I had and added a remark of being several days past due. This error caused my credit score to drop XXXX points causing it to he XXXX. Someone has mistakenly made this change and has affected my credit and causing a hardship to now be able to be in immediate position to move if needed. They need to correct this outrageous life affecting error and put all of those bankruptcy XXXX  XXXX discharge information/coding back onto all of those credit cards they incorrectly removed and return my credit score to the XXXX range that it was.
Consumer complaint received 2021-06-10
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)

Its been 30 days since I have sent in my 30 days to comply for invalid information on my credit report. I sent a letter on the XXXX, and XXXX I haven't heard anything back after the 30 day time period, and I still haven't heard anything back. By law I understand you guys have to comply with my request of deletion of the negative items I have listed.
Consumer complaint received 2019-07-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (CA)

I sent a certified letter on XX/XX/2019 to Enhanced Recovery Company ( ERC ) addressed to XXXX XXXX requesting validation ; The following items in my initial validation letter were as followed ; - Agreement with your client that grants you the authority to collect on this alleged debt. 
- Copy of the original contract/application that bears the original wet signature of the alleged debtor wherein he/she agreed to pay the creditor. 
- Date this alleged debt became payable. 
- Date of original charge off or delinquency. 
- Verification that this debt was assigned or sold to collectors ERC - Complete accounting of alleged debt. 

I then received a response to my validation letter on XX/XX/2019 from ERC, stating the following ; " Please find the enclosed documentation as it relates to the account '' only to find all they provided was partial bills from the original creditor. 

All of which was not enough to validate the debt.
Consumer complaint received 2019-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (WV)

Complaint Against Both XXXX XXXX XXXXXXXX & Citibank-Neither takes responsibility for my lost Credit Balance Refund. Both banks blame the other, CB sent my credit balance refund to the wrong account to XXXX. The end results are that I have been robbed and referred to the Credit Bureau who has referred me to you. 

Last year, in XXXX, XXXX XXXX XXXXXXXX offered me a balance transfer offer. I accepted and was charged a 3 % fee. XXXX wired, on XX/XX/XXXX, {$470.00} to Macys ' [ Citibank is Macy 's financial handler ]. Funds did not post in a timely manner. I called Macys ' then I sent in a min payment to keep the account in good standing. I made  min payment to Macy 's and was told by XXXX representative to send Macy 's another balance Transfer check [ since the first one seemed to have gotten lost ] on which I paid another 3 % [ the 2nd check was for {$800.00} that included the " lost '' {$470.00}. A week later Macy 's posted both checks even though I had set up an inquiry to not post the first check. On XX/XX/XXXX my Macys statement showed a {$470.00} credit balance. Again I asked for [ as XXXX XXXXXXXX XXXX 's representative recommended ] Macy 's to send me the credit balance in a paper check. I waited the recommended 10 days but I have not received my {$470.00} in any form even after sending both banks numerous billing and bank statements. 
Citibank says that they wired it back to XXXX XXXX XXXX to an account for balance transfers that is connected to my XXXX XXXXXXXX XXXX credit card. It has never posted and I have made three 300 mile round trips to XXXX in XXXX XXXX [ the closest branch to me ], numerous phone calls to both banks and spent hours on the phone and had both banks to assure me payment in two billing cycles. 
Macy 's inherited me from XXXX XXXX [ opened acct XXXX ] excellent account XXXX  XXXX XXXX has had my excellent business since XXXX Each bank has noted my constant inquiries and made notes of my complaint. 
XXXX XXXXXXXX XXXX says that both banks have " Black holes '' that funds go into and are never heard from again.
Consumer complaint received 2015-07-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (LA)

XXXX XXXX XXXX ( XXXX ) entered into an agreement with me in XXXX XXXX to provide bundled package of cable television, internet, and phone for a fixed price that would not change for 2 years. A few months later in XXXX, they added a monthly charge of {$4.00} for internet modem, which I refused to pay because this was included in the fixed price locked for 2 years. XXXX continued to bill for this service. I always paid the originally agreed monthly fee on time, but refused to pay the {$4.00} surcharge that was outside our agreement. As XXXX continued to bill this surcharge despite numerous call to them, I terminated their service. XXXX claims that I owed them {$8.00} in unpaid surcharge and an additional {$67.00} for not paying the {$8.00} on time. In XXXX XXXX, I received a letter from XXXX. XXXX XXXX, a collection agency based in XXXX XXXX, XXXX, stating they were representing XXXX. I sent an explanation to them that I did not owe the amount of {$75.00} to XXXX. This collection agency closed the case after receiving my explanation. In XXXX, I received a letter from a second collection agency, XXXX XXXX, based in XXXX, XXXX. Again, I sent them an explanation that I did not owe the disputed amount to XXXX. In the mean time, I noticed that my consumer credit report showed negative information that I owed {$75.00} to XXXX. I disputed this information. Subsequently, XXXX XXXX closed the case and sent communications to all major credit bureaus to remove the negative information. On the XXXX XXXX, XXXX, I received a collection notice from a THIRD collection agency by name, EOS CCA, based in XXXX, XXXX. Again, I sent my written explanation immediately on XXXX XXXX, XXXX stating that I did not owe the amount of {$75.00} to XXXX. I did not provide my phone numbers to EOS CCA. However, EOS CCA has been calling my office phone XXXX a day for the past 7 days, apparently obtaining my work phone number via internet search. I have not received a written reply from EOS CCA. Instead, they keep harassing me via XXXX a day phone calls to my work phone number. This practice is HARASSMENT.
Consumer complaint received 2017-02-17
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio recovery associates llc has continued to call random numbers asking for me regarding a debt I owe. They have called my moms home number that I never gave to them asking for me and saying that I gave them that number which I never did give them the number. They have my cell number which is the only number I gave the actual creditor.