davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

in XXXX XXXX i found out that i had zero balance in my XXXX bank of america card. i called bank of america right away and check my statement they had transferred {$7600.00} out of my XXXX bank of america account to an unknown account XXXX transfers were performed. I never did or approve the transfer it said that it was done in XXXX. I have place two claims and bank of america has failed to investigate they keep sending me letters that the amount stolen will not be refunded. they only discontinue my card and send me another one with a chip. there has been so many problems with the card without chip because it can be hawk easily. This has caused me a lot of XXXX because bank of america has not protected my rights as a costumer and failed to investigate this fraud. It is a lot of money that was stolen and bank of america is not taking it seriously. if they fail to help costumers more will be affected in the future.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2022-03-18
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2019-08-08
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. (NV)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX   CARD, XXXX/XXXX  and XXXX CARD
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Associated Credit Services, Inc. (CA)

XX/XX/XXXX i RECEIVED NOTICE FROM aSSOCIATE cREDIT sERVICES REGARDING A DEBT IN THE AMOUNT OF {$100.00} WITH XXXX XXXX THE LETTER STATED I HAD UNTIL XX/XX/XXXX TO DISPUTE DEBT XX/XX/XXXX I RECEIVED AN EMAIL STATING I HAD NOT RESPONDED AND I WAS TO PAY XXXX XX/XX/XXXX I RESPONDED TO THE LETTER ON THE WEBSITE XXXX  TO DISPUTE DEBT AND REQUEST EVIDENCE. 
XX/XX/XXXX I RECIEVED ANOTHER EMAIL FROM ACS STATING THAT HAD ATTEMPTED TO REACH ME NUMEROUS TIMES WITH NO SUCCESS AGAIN STATING I OWED THEM XXXX TWO MINUTES LATER ON XXXX I RECEIVED ANOTHER EMAIL STATING THE SAME INFORMATION BUT NOW SAYING I OWED XXXX. 
I HAVERREACHED OUT THEY HAVE NOT REPSPONDED AND ARE EMAILING ME DIFFERENT BALANCES DUE FOR THE SAMEACCOUNT NUMBER IT JUST MAKES NO SENSE
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I have had an XXXX XXXX XXXX credit card ( administered initially by Bank XXXX XXXX ) for years without issue, always paying my full monthly balance each month through an automatic withdrawal from my bank account. I use this credit card only occasionally for travel expenses and otherwise mostly rely on other cards for my routine day to day expenses. A few months ago, my credit card account was transferred from Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) without any notice, written or otherwise, to me. At the same time my longstanding autopay was cancelled. I was not furnished replacement credit cards or other notice that the small monthly ( non-delinquent ) balance of a few XXXX dollars was being transferred to a new bank, without my autopay, and without a chance for me to easily pay the balance. I did not notice an issue with the credit card as I do not regularly use it when I am not travelling. XXXX began to leave me voicemail messages simply asking me to call their XXXX number without giving other information, I assumed this was spam as I had no known accounts with XXXX. They finally sent a written notice via mail to my home address demanding payment for an outstanding balance ( showing an account number last XXXX digits that I did not recognize, without any other statement details, including the amount owed or other details that would verify that the notice was not spam/junk mail ). This led me to call them and finally understand that they had taken over my account, cancelled my autopay, and now charged me several late fees and interest, and reported my account as delinquent to credit rating agencies, all without having given me proper notice or a chance to pay off the small balance. I immediately paid the outstanding balance ( they did waive the late fees and interest ), and closed the credit card account. The credit reporting issue is the a major outstanding problem, as I am looking into buying a home very soon. Since my account was not properly handled and I was never given an appropriate opportunity to pay the balance, the delinquent notice on my account is inaccurate and should be immediately removed from my credit reports to repair my credit before I seek financing for a home mortgage loan. I have never had issues with credit card debt and this issue will significantly impact my otherwise excellent creditworthiness. When I called XXXX with this issue, I was told they would " look into it but can not promise anything. '' This is not an acceptable response and I need my credit to be repaired immediately.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-03-18
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: TD BANK US HOLDING COMPANY (NC)

I recently checked my consumer report on XXXX website and found an unauthorized hard inquiry form NORDSTROM/TD BANK USA inquiry date XX/XX/2022. NORDSTROM/TD BANK USA need to answer to this inquiry. Why was my consumer report being looked at after you all closed my account due to none " payment ''? I'm not of the class of people who has to " pay ''. Why is there a new inquiry from your company being listed on my consumer report that I did not authorize? While you all are investigating this matter cease and desist all fraudulent collection activity due to billing errors on the account that was opened with open end consumer credit therefore I, the consumer and beneficiary was never late pursuant TILA, FCRA, and ECOA. Account number XXXX
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-03-18
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)

I negotiated a settlement offer, " paid or settled in full '', with XXXX XXXX XXXX XXXX ( Collection Agent ) in the amount of {$2200.00} to satisfy a charged off credit card issued by XXXX XXXX XXXX. The original amount was {$3200.00}. The offer was accepted on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX acknowledged the offer was accepted and " settled in full '' on XX/XX/XXXX. 

Both XXXX XXXX and XXXX reporting agencies show : " Account paid in full for less than full balance ''. However, Equifax reports a balanced owed of {$1900.00}. I've disputed the amount in XXXX, XXXX and in XXXX, XXXX. On both occasions, Equifax has indicated that I owe this amount based on feedback received from XXXX XXXX XXXX. In speaking with XXXX XXXXCollections Manager XXXX x XXXX, on XXXX, XXXX, XXXX and on XX/XX/XXXX she has been unable to provide a satisfactory answer or clear reason as to why this balance is showing with Equifax. I indicated to her that whatever arrangements or " splits '' XXXX XXXX XXXXXXXX XXXX may have with XXXX XXXX XXXX XXXX has absolutely nothing to do with my negotiated offer. 

I have attached supporting documents which clearly support my position. 

Respectfully
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-18
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX account is only shown on Experian Credit Report. I spoke with XXXX XXXX dispute department on the phone. I told them they were in violation of the FCRA. I told them, this account cant be on my report with the same amount owed as the Collection Account that this account was sold to.XXXX XXXX XXXX XXXX is reporting the same account as a collection account. With the same amount owed. Which makes my debt amount owed higher on my Report. This account is was removed from XXXX and XXXX Credit report. Ive told Experian on several occasions to remove this account from there report. Experian XXXX XXXX is always inaccurate. XXXX personally tired of it. They even have the last four numbers of my social wrong also. Theyre reporting XXXX. When my last four numbers are XXXX. Its there mistake not mine. I want the whole report revised with all my debt, name, and address corrected. I cant acknowledge debt if the social security number is inaccurate.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. ()

Creditor : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, 2021 Creditor : XXXX XXXX BANK XXXX Inquiry Date : XXXX XXXX, 2021 Creditor : XXXX XXXX BANK XXXX Inquiry Date : XXXX XXXX, 2021
Consumer complaint received 2022-03-18
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-03-18
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-06-09
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-06-09
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

Claim Number XXXX On XX/XX/XXXX my fiance was involved in a collision in a parking lot at XXXX - XXXX XXXX  XXXX XXXX XXXX, XXXX, OK XXXX. The collision was with our XXXX XXXX XXXX and a XXXX XXXX XXXX owned by XXXX XXXX. The XXXX was coming through a feeder lane in the parking lot West Bound while XXXX XXXX was coming south bound on along the main entry and exit lane of the parking lot. XXXX XXXX was traveling at a high rate of speed and distracted and entered the Southbound ( oncoming traffic ) lane and swerved out but not after the XXXX made impact. In all states in the US and XXXX the main entry and exit lane has right of way. My insurance failed to determine this. Placed me initially at fault of of XXXX % stating because XXXX XXXX was in the parking lot first she had right of way. They then dropped the responsibility to XXXX % with us at fault noting she swerved. I have submitted diagrams, correspondence, phone calls, and emails and my insurance is determined to fault me for a claim that they did not properly review. Currently there decision is final and they will no longer review my claim even after i have asked to have the claim reviewed by a different team. The whole process is broken. The communication is broken. They have mishandled the claim and in my belief they know this and to save embarrassment are not proceeding in a manner that is honorable to the what they represent as a company. It goes directly against what they advertise.