davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In response to a targeted offer of {$300.00} for opening a Bank of America checking account and making {$4000.00} in " Qualifying Direct Deposits '' in the 90 days following account opening, I opened a Bank of America checking account in XX/XX/2019. My employer then directly deposited amounts totaling {$6500.00} within 30 days after account opening. In XXXX, I called Bank of America and was told that I had met the requirements for the {$300.00} checking bonus and simply needed to wait 60 days to receive the bonus in my account. However, I received no bonus ( and have incurred {$48.00} in monthly maintenance fees since XXXX while I have waited for the bonus to be deposited ). 

At the beginning of XXXX, I contacted Bank of America via phone to remind them to deposit the bonus, and they claimed that the deposits made by my employer did not meet the requirements of the bonus because Bank of America coded the direct deposits as " Online Banking Transfers. '' The offer defined a Qualifying Direct Deposit as " a recurring direct deposit of a paycheck, pension,  Social Security or other eligible regular monthly income, electronically deposited by an employer or an outside agency into your new checking account. '' The offer also provides that " a transfer done via ATM, online, or teller, or a transfer from a bank or brokerage account, Merrill XXXX or Merrill Lynch account is not a Qualifying Direct Deposit. '' The definition of " Qualifying Direct Deposit, '' of course, does not require that the deposits be coded by Bank of America in any particular way. 

The deposits made by my employer were deposits in a series of recurring direct deposits of my paycheck electronically deposited by my employer into my checking account, and thus plainly meet the requirements of the checking bonus. The second portion of the definition of " Qualifying Direct Deposit '' is vague but seems intended to disqualify transfers made by the account holder to game the checking bonus offer system ( e.g., transfers from another bank account or brokerage owned by the account holder ) ; given that all deposits are " [ transfers ] done via ATM, online, or teller or [ transfers ] from a bank or brokerage account, '' this section can't reasonably be construed to disqualify direct deposits done by an employer online from an employer 's bank account, as that would disqualify all transfers and make the offer completely illusory ( arguably to the point of fraud ). 

I followed up with Bank of America on XX/XX/2019, and was told that they would re-review my claim for the second time. On XX/XX/2019, Bank of America cancelled a credit card I held that was attached to a rewards account with points worth upwards of {$500.00}. This seems like a retaliatory action. 

As far as I can tell, the only avenues for relief are a complaint here or a claim in XXXX 's Court.
Consumer complaint received 2023-07-01
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: FIRST ADVANTAGE CORPORATION (GA)

In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of informati
on, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) : 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. 

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (OH)

I sent an Accord & Satisfaction notice ( XX/XX/XXXX ) with a settlement offer for a charge off account with Discover Bank from XXXX ( {$1200.00} past due ). It was sent via certified mail & gave Discover Bank ample time opportunity to decline. They did not, I later sent a restrictive endorsement check for {$370.00} ( via certified mail on XX/XX/XXXX ) and reiterating the terms of agreement on the back of the check : " Upon endorsement and deposit of the check the creditor agreed to terms of Accord and Satisfaction : This payment will be to settle the debt in FULL on the account with a final one lump sum payment & will satisfy the account in full. Upon the receipt of this final payment the Discover Bank agrees to delete ALL negative reporting & no derogatory comments with be reported to XXXX, XXXX , & XXXX -The new credit reports to the above account will be Paid As Agreed - No further collections actions will continue on the charge off account '' They accepted the check but did not honor the terms of the agreement. Only the payment was reported to XXXX, XXXX, & XXXX. The rest of the agreement terms were disregarded. I plan to take legal action for defamation of character if this is not resolved.
Consumer complaint received 2020-09-23
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (FL)

We refinanced our VA mortgage with Freedom Mortgage in XXXX. We were sent several versions of closing statement before closing. Each with increasing costs of closing. The loan officer we dealt with at Freedom Mortgage said that they would pay the closing costs except for fee to VA for loan ( approx {$1000.00} ) and a fee to them of approx {$1000.00}. 

The notary that came to our home in XXXX had a different set of closing documents and no copy to leave with us. We had been trying to refinance this loan since XXXX and with COVID 19 issues were just closing in XXXX - so in frustration and without options of getting ahold of the loan officer on a Sunday, we signed closing documents. Now our loan increased by approx {$5000.00}! 

I have made several phone calls and sent several emails to Freedom Mortgage since the closing in XXXX with no response or promises to send documents within the week - now we are almost 3 months later and still no documents. I have no idea what the closing costs were on this refinance and Freedom Mortgage refuses to send the documents. I feel we have been overcharged by Freedom Mortgage and were mislead regarding the costs of the closing.
Consumer complaint received 2022-09-15
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. (NC)

* 15 U.S.C 1681 section 602 A. 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 an account without my written instructions
Consumer complaint received 2023-03-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update these items ASAP. Thank you. 
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 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2024-06-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company (CA)

i received a notice saying my mortgage payment was going up, but it did not say exactly why. That is when I called them and they said it was for my taxes. I told them I had summitted a letter from the county for an exemption. Freedom reps said they would handle it but it will take some time to get another letter from the county. Freedom Mortgage company bought my loan and they was suppose to give me 45 days, they told me I was behind. So I paid
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NY)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC (IN)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (GA)

I am requesting assistance regarding the situation with Target Mastercard ( TD Bank ). 
Back in XXXX of XXXX, my line of credit was decreased from {$9000.00} to {$200.00}. I did not receive a letter that this major change was going to occur. I witnessed the change in my credit report. 
The credit card was used during the holiday. 
I returned some items and made a payment in XXXX where I believed that my balance was cleared. 
My statement was an e-statement, I do not frequently check email unless I know that I had a bill to be paid. The balance was {$9.00}. 
On XX/XX/XXXX, when I saw the bill, I immediately paid the amount and I changed my statement type to receive it by mail. 
I started receiving alerts that there was a change on my credit report and went to review the situation and saw the credit limit change. 
This was disturbing because this was not a large amount where I was not paying because I wanted to neglect my responsibility on purpose, it was because I was unaware. 
This damaged my creditability on my credit report, when I applied for a loan, I had to explain this incident. 
I opened a ticket with XXXX XXXX XXXX to work with TD Bank ( Target ) in XXXX of XXXX. 
This request to have my credit limit reinstated was declined, I was not offered any type of grace for the incident, my payment history was on time previously. 
According to the Fair Credit Reporting Act, the creditor shall provide written notice of any significant change such as this large decrease. The cardholder shall receive notice no later than 45 days prior to the effective date of the change. I never received any type of notice about the significant change before it occurred. 
Here it is XX/XX/XXXX, I have used my credit card and paid on time, and still the limit is still set as {$200.00}. 
I wrote a letter and sent it on XX/XX/XXXX to their XXXX, XXXX address and have not received any response. 
I would like to request assistance from your business to work with them to increase my limit. 

Thank you in advance with this matter. 

The letter information : TD Bank XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, CA Dear XXXX XXXX : On XX/XX/XXXX, my Target Mastercard credit limit of {$9000.00} decreased to {$200.00}. Im a long-time customer and I really enjoy using the Target Mastercard. According to the Fair Credit Reporting Act, the creditor shall provide written notice of any significant change such as this large decrease. The cardholder shall receive notice no later than 45 days prior to the effective date of the change. I never received any type of notice about the significant change. The decrease in the credit limit has also caused damage to my credit score. Also, it caused other credit card companies to view me as high-risk. Im looking to get this issue resolved and have the credit limit increased back to {$9000.00}. 
Thank you in advance for your assistance with this matter. 


Sincerely,
Consumer complaint received 2021-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed a current copy of my credit report with incomplete and inaccurate information. I do not recognize this consumer contract. Also I attempted to on a number of occasions to reach out to to the creditor with no success. Please again update this account as deleted. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account
Consumer complaint received 2023-03-28
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-12-22
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. (GA)

I am so confused why XXXX XXXX  XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time
Consumer complaint received 2018-12-22
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. (GA)

I am so confused why XXXX XXXX XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (CA)

XX/XX/XXXX, XXXX date of letter XX/XX/22, I received a letter from Target indicating that my credit card application was denied because I had a credit freeze in effect ( I do. ) I DO NOT Have a Target credit card nor did I apply for one- someone DID APPLY in my name. 

XXXX XXXX  notified XX/XX/22 of data breach XXXX. of my name and social. Prior identity theft detected by XXXX XXXX XXXXXXXX XX/XX/22 and and was notified XX/XX/22. 

XX/XX/22 Requested credit freeze fraud alert to 3 bureaus and Fraud alert to FTC XX/XX/22. 

Called Target XX/XX/22 Application ID : XXXX. 
Target confirmed the identity theft has my name, address, home phone number, social security number. Fraud indicated on my driver 's license and an email account.

Target advised reporting to FTC which I tried to do and was directed to this site.
Consumer complaint received 2023-03-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently submitted a request for an investigation of the disputed accounts, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update or get rid of the accounts from my file. 
XXXX XXXX XXXX : {$120.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX : {$1900.00}
Consumer complaint received 2019-04-28
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. (FL)

These fraudulent accounts are reporting on my credit report. 

XXXX XXXX {$5600.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-14
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: Collection Consultants of California (CA)

There is an account listed on my XXXX  report from Collection Consultants. My main issue with this collection agency is that they keep changing the date of delinquency to fit within the 7 years so that this account can keep reporting. I have been disputing this for YEARS because it should have been covered under my insurance at the time. Since the agency would not even let me settle without adding charges, I decided to wait until the expiration date. The issue is, it never goes away. This is from a XXXX I had in XXXX and now it says from XXXX. Please delete this outdated information from my credit report. This company is taking part in illegal practices to continue to keep negative items reporting on credit files longer than legally allowed.
Consumer complaint received 2020-08-01
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. (DE)

I co-sign my daughter for the rental of her apartment for one year XXXX to XXXX, I told the company XXXX XXXXXXXX that I would not be extending her leases beyond the one year. I gave them a letter to that fact. My daughter renegotiate with XXXX XXXX  to stay for how long I dont know. As of XXXX & XX/XX/XXXX, She did not pay her rent, and because of that it affected my credit scores for the have a {$5000.00} debt in collection. I did not co-sign for my daughter pass the one year period. Please have Experian remove this from my credit report.
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

XXXX ; Experian and XXXX  are reporting incorrectly a charge-of of {$10000.00} on the XXXX XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I had GAP insurance at the time of the auto accident and all expenses surrounding the accident, including the payment for the vehicle, was covered by insurance. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.
Consumer complaint received 2019-09-12
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. (WA)

XXXX ; XXXX and Transunion are reporting incorrectly a charge-of of {$10000.00} on the XXXX XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I had GAP insurance at the time of the auto accident and all expenses surrounding the accident, including the payment for the vehicle, was covered by insurance. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.