davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX XXXX I was at the market purchasing my groceries and my XXXX debit card from Bank of America was declined. I tried logging in to my bank account and I wasnt able to login. I called Bank of America for help and the gentleman said I had XXXX amount in my account. My bank account had {$5200.00}. I asked him if I can login because I didnt make any large purchase and that there was a fraud on my account. They asked me several questions and from what I remember the last purchase I made was at XX/XX/XXXX from One sol. I wasnt able to log back to my account and see the transactions. They said the investigation will take 45 days and they will send me a new card. On XX/XX/XXXX I called Bank of America because I received a letter stating that there was no error on my claim and they consider it resolved. I spoke to lady name XXXX and made another reconsideration to the claim. I asked if I can know where the transfer or transaction was made but she said that she wasnt able to tell me but advised me to file a police report. On XX/XX/XXXX I made a police report of a grand theft.
Consumer complaint received 2022-09-27
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. (GA)

I recently viewed my credit report and saw several discrepancies and inaccuracies with the accounts listed below. There are several inaccuracies on each accounts date opened, payment date, payment amounts, etc. that needs to be removed immediately. 
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 XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items or intormation Any otner adverse item Or Information, Otner than records Or convictions Or Crimes which antedates the report DV more than seven years 15 U.S.. 1681S-2 ( AX1 ) A person shall not turnish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the intormation is inaccurate
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. (GA)

RE : Incorrect trade lines reporting To whom it may concern : I checked my report for accuracy and saw an account from XXXX XXXX XXXX for Original creditor : XXXX in the amount of {$1800.00}. 

According to the FCRA Section 609 ( a ) ( 1 ) ( A ), XXXX, XXXX and Experian are required by law to verify and validate all accounts reporting through physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable proof, an original signed contract with my signature, you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide a copy of the verifiable proof, you must remove the account listed above. 

I demand the following account XXXX XXXX XXXX for Original creditor : XXXX be removed within XXXX business days.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX Equifax continue to report incorrect information on the account listed as XXXX there is a late payment reporting for XXXX but not the other consumer agencies. This can not be as the account must report accurately across the board. Remove the late payment immediately or provide the evidence XXXX used to determine the late payment. 
( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
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: United Shore Financial Services, LLC (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. This company iscurrently showing late ( XX/XX/2020 ). I have read enough to understand my rights. You areattempting to violate this clear understanding. Investigate and update the current status toreflect accurately. 

( UNITED WHSLE MORT 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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Balance {$0.00} Inquiries : XXXX XXXX Inquiry Date XX/XX/2020 XXXX Inquiry Date XXXX XXXX, 2020 XXXX  Inquiry Date XX/XX/2020 XXXX Inquiry Date XX/XX/2020 2020
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. (GA)

RE : Incorrect trade lines reporting To whom it may concern : I checked my report for accuracy and saw an account from XXXX XXXX XXXX  for Original creditor : XXXX in the amount of {$1800.00}. 

According to the FCRA Section 609 ( a ) ( 1 ) ( A ), XXXX, Transunion and XXXX are required by law to verify and validate all accounts reporting through physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable proof, an original signed contract with my signature, you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide a copy of the verifiable proof, you must remove the account listed above. 

I demand the following account XXXX XXXX XXXX for Original creditor : XXXX be removed within XXXX business days.
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: Byrider Franchising, LLC (AR)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

CNAC - XXXX XXXX Balance {$0.00} ;
Consumer complaint received 2022-10-11
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. (IA)

Account is stating incorrectly by XXXX and Equifax. I have disputed this account as account is reported as a charge account type with a derogatory account status collection charge off payment status with date opened as XX/XX/XXXX by XXXX XXXX Equifax Report stayed open as XX/XX/XXXX. Date last reported is stating as XX/XX/XXXX by XXXX XXXX while Equifax report state last reported as XX/XX/XXXX, XX/XX/XXXX. Date last active reports as XX/XX/XXXX by XXXX XXXX while Equifax reports XX/XX/XXXX. Date of last payment reports as XX/XX/XXXX by XXXX XXXX while Equifax reports XX/XX/XXXX, XXXX payment history is reporting payment from XX/XX/XXXX through XX/XX/XXXX as OK as agree with XXXX charge off on XXXX XXXX if payment history is reporting consecutive OK as agree. How is it possible that just suddenly XX/XX/XXXX theres charge off? Now, there is no possible way that account can be reporting payments up to XX/XX/XXXX and have date of last payment recorded as XX/XX/XXXX with XXXX XXXX and XX/XX/XXXX with Equifax. This is a total mistake itself dates do not make sense.
Consumer complaint received 2022-07-05
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. (FL)

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. 
XXXX XXXX # XXXX, XXXX, XXXX, XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) 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 ) X1 ) 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 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (PA)

this was never submitted to insurance to be paid, the company needs to call the insurance company and have them investigate this. I have contacted the company several times, no one has contacted me back. We never received a bill either. 
XXXX XXXX XXXX Opened XX/XX/2018 {$1000.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/2018 ( 4 mos ) Original Creditor Name BACK XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
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. (NY)

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. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : 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: 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. (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. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

I requested a credit report from TransUnion today. They sent me the report online and I copied it for my files. Nowhere could I find my credit score. The question on the next page of TransUnion said, " Would you like to know your score? '' and of course I said yes. Then is when the problem arose. I had to fill out an app to join their membership at $ XXXX. That sure isn't in tune with a free score I was told I'd receive. 

How do I get my score from TransUnion without paying?
Consumer complaint received 2022-10-11
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. (FL)

XXXX XXXX continues to report to Equifax wrongly. I have paid {$1000.00} on XX/XX/2022, {$1000.00} on XX/XX/2022, {$1000.00} on XX/XX/2022, and {$1500.00} on XX/XX/2022 ; however, they are not reporting my current balance, which is {$7400.00} as of XX/XX/2022. However, they have sent me a monthly statement verifying that. 

On XX/XX/XXXX, XXXX XXXX reported my balance as {$12000.00}, according to Equifax. Falsely lying about the fact that I have reduced my balance by over {$4900.00}. When I called them on XX/XX/2022, XXXX, they told me they report monthly to the credit bureaus on the XXXX. 

I have called Equifax directly, and they stated they had not received any report from XXXX XXXX since XXXX. I have obtained my free yearly credit reports as of XXXX XXXX, and all the credit bureaus have a report from XXXX XXXX which shows a {$12000.00} balance instead of {$7400.00}. 

This impedes my chance of buying a house and showing my real debt to income it.
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. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION (MD)

I transferred {$1000.00} via the bbt ( truist ) app. When I attempted to reverse the transaction bbt refused to assist despite the transaction pending in the checking account. I trusted that the transaction would be serviced by bbt not no assistance offered. I chose this form of payment for its security and because bbt 's name is on it and I trusted their security. 


I have been a bbt customer for over 20 years with checking, mortgage, and credit card lines but they still refuse to assist. Avoid truist at all costs, no customer service and loyalty is punished.
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: AMERICAN EXPRESS COMPANY (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMEX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( AMEX 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: JPMORGAN CHASE & CO. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on JPMCB CARD. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( JPMCB CARD 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 — Account status incorrect
Company: EQUIFAX, INC. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$3100.00} XXXX XXXX XXXX XXXX Balance {$4500.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  I Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-10-11
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

IMPORTANT : any communication should go to XXXX email!!! Account : XXXX is closed!! 
In my earlier complaints I described that I can not cash the cashier check of Bank of America # XXXX. In XXXX XXXX 's latest response ( Case # : XXXX ) suggested to negotiate international bank to cash the check. I negotiated XXXX XXXX XXXX Bank ( XXXX XXXX XXXXk ), but they also declined to cash this check. 
In the meantime the cashier check expired. As XXXX XXXX adviced I called the XXXX 3 times. I can not go to the administrator, because the system requested telekod, card number, or account number, and I do not have any of them.
Consumer complaint received 2021-12-13
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. (OK)

I XXXX XXXX have reached out on multiple occasions about Experian violating my consumer rights. They are in violation of 15 USC 1681. Experian is using stall tactics that are unacceptable. Requesting addition information that is not needed to identify my identity.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On my credit report ( XXXX ) for the XXXX main credit agencies, the accounts noted in the enclosure were " charged off ''. According to IRS Publication ( XXXX ), charge-offs are considered income, and income can not be reported on credit reports.