davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I noticed in XX/XX/XXXX, that the amount of my payment on my credit card had doubled but could not read the ebill and thought maybe I just missed the last payment ( missing payments is not something I do but my mom had major XXXX and I was her caretaker ), so I paid the higher amount, in XX/XX/XXXX the payment was even higher so I went to my home and found the statement and noticed that my card had gone from approximately {$1400.00} to almost {$5000.00}. The charges on the statement were from Minneapolis, California and Wisconsin and most of the charges were for XXXX in California. The statement had 13 pages of charges from XXXX, XXXX, and XXXX etc. In all of the above states I have not been too. I immediately call Bank of America to report the fraud. She told me it looks like they tested it in XXXX with one charge, XXXX with a couple of charges and then went crazy in XXXX, XXXX and XX/XX/XXXX. ( My credit card was in the safe at my home ). They credit my card back the {$3300.00} and opened an investigation. I received the first letter from Bank of America on XX/XX/XXXX, letting me know they had credited my card back, sent a new card and the investigation was opened. I received the second letter on XX/XX/XXXX, saying the investigation was complete and the charges are mine and I would need to pay them. I again called Bank of America and explained the situation to another employee and he reopened the case saying he was confused because I live in XXXX, Nevada and the charges are from other states. At that time I told him I would need to see something where I or my husband had signed for any of these charges and an explanation of what the investigation showed. I received a third letter on XX/XX/XXXX, saying the investigation is complete, the charges are mine and I could go to the three consumer reporting agencies and dispute them their but I would still have to pay the {$3300.00}. I have still not received anything with mine or my husbands signatures on them or the reason the investigation showed I had made these charges and why. Our credit rating right now is in the high 700 and I want to keep it that way but these are not my charges. I am at a loss what to do next.
Consumer complaint received 2021-12-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (IL)

i was on my way to have a good credit score to buy a house, then i got sick in 2018, could not work, end up XXXX XXXX XXXX XXXX XXXX in the hospital and then to the V.A.because, my job took my insurance away, went to a XXXX XXXX, there they got me public aid and food stamps, link card, snap, and to wait for my S.S., finally got it, two years later, try to pay my debts, but they already sold them to collections agencies and they were charging the double amount
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have sent in multiple documents that was asked of me. Transunion keeps ignoring my request, experian will not remove old addresses asked of them and XXXX updating my information wrong.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have asked and requested this information removed off my credit report several times. I want this information removed within 72 hours. I attached the things I want removed and I will also list them here.

I want my customer statement removed as its incorrect and I never provided a customer statement - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX want removed my name should only be on my report 1 time- Transunion I want XX/XX/XXXX and remove XXXX XXXX I want XX/XX/XXXX removed from my report- XXXX I want XXXX XXXX XXXX XXXX XXXX XXXXXXXX removed its non mailable- XXXX
Consumer complaint received 2022-08-17
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (FL)

I received an automated email today advising that my account would close due to inactivity with a CEO account. I have never created a CEO account and am concerned this is one of those fake accounts banks fake to make their books look better. 

I am most concerned because my work email was used, and my last name was used. While I bank with Wells Fargo personally, I do not have a business or commercial accounts.
Consumer complaint received 2021-12-02
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: EQUIFAX, INC. (NY)

I am XXXX XXXX and I am submitting this complaint myself. The accounts are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. 

( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX )
Consumer complaint received 2022-11-19
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: Experian Information Solutions Inc. (GA)

Sent letters XXXX XXXX XXXX XXXX  requesting correct name and current address be reported. I have requested old addresses and incorrect names be removed. As of XX/XX/XXXX they have still not removed them. Also there are some accounts that are not being reported accurately. There are several discrepancies in dates and amount and open dates. I had student loans that were taken care of when I was deemed permenantly XXXX and they were cleared of any amounts owed. They are still showing up as negatives and hurting my credit
Consumer complaint received 2021-09-16
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: EQUIFAX, INC. (TX)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

There are too many inaccuracies in my report and i have filed disputes with XXXX XXXX on the dates below Experian. 
- Sent Letter XX/XX/2022 It is over 90Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Consumer complaint received 2021-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

Transaction Date : XX/XX/XXXX. 
My credit card was charged by a company called XXXX, {$6100.00} I have never communicated or visited in person or virtually with XXXX. 
I have no relations nor business with the company. 
I did not purchase any product or services from XXXX. 
I did not receive any product, material, or any type of service from XXXX. 
I never authorized any payment to XXXX. 
I never gave my credit card information to XXXX. 
I contacted a CHASE credit card fraud department first time in XXXX. 
CHASE contacted the XXXX and mailed me a letter from the XXXX, where the XXXX said that I made that payment to them in person. In XX/XX/XXXX, I put together a package with a letter and the airline ticket, to prove that I was on the flight from XXXX to XXXX at the time when my card was charged by XXXX. CHASE told me they will reopen my case and the investigation will take up to 90 days. After about 120 days I have been calling and emailing CHASE since XX/XX/XXXX. After my constant calls and emails to CHASE asking for the status of their investigation, they finally responded yesterday, on XX/XX/XXXX. In their letter, CHASE told me again that the transaction was legitimate and refused to refund me my {$6100.00} ( plus over {$1500.00} APR of 14.99 % in the last 23 and half months. ) Please help me resolve this fraud transaction and get my {$6100.00} from CHASE plus the interest. 

Please stay safe Warm regards XXXX
Consumer complaint received 2020-12-12
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: Experian Information Solutions Inc. (TX)

show tooltip button XXXX XXXX XXXXDispute Chapter XXXX bankruptcy petitionDispute Chapter XXXX bankruptcy dismissedDispute ftc violations please remove names : XXXX XXXX XXXX XXXX XXXX XXXX not mine
Consumer complaint received 2018-02-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/17 my checking account with Huntington Bank had an unauthorized charge was stolen by XXXX XXXX. I had no agreement, contract, or authorization for him to charge my account. 

I cancelled the transaction with Huntington Bank and was refunded the amount. 

XXXX XXXX has come up with a very elaborate story " affidavit '' about way he stole the money. This is not an agreement with me. Huntington Bank has now took the transaction back based off this. And now my checking account is in the negative.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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.

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 ) ( 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.
Consumer complaint received 2021-12-01
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. (MS)

XXXX is reporting the date of last activity as XX/XX/XXXX XXXX is reporting XX/XX/XXXX and Equifax XX/XX/XXXX, It is a violation to re-age a collection account and This account was paid and the creditor agreed to remove it from my credit report. 

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XXXX of 2019, Kohls put a late payment on my account. This was an auto-pay issue. The creditor recognized this on their end because when I called to let them know I couldn't make a payment, a rep from Kohl 's told me they had the same issue with other users. They told me to wait a couple of days and try again. Which I did and the payment went through. They also told me that they won't charge me a late fee or report the late payment which they never removed the late payment that was associated with the same issue. It just popped up on the other credit bureaus and has greatly lowered my score.
Consumer complaint received 2021-09-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Misleading and inaccurate accounts appeared from my credit report. Mostly are fraudulent Medical debts without account names and from unknown sources which also violated HIPPA and also they can't just report health information from my credit report.
Consumer complaint received 2020-12-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

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 2022-05-01
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: EQUIFAX, INC. (GA)

The credit bureaus stated my account was properly investigated, but how is that possible if the open date inaccurate, the date of last activity is inaccurate, the date of last reported is not accurate. This is ground of removal, they also violated my rights under 15 U.S.C 1681 section 602 A : State I have rights to privacy 15 U.S.C 1681 section 604 A section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation, which I previously filed a complaint with you all about this. 

Aslo, I have received a letter from the credit bureau stating accounts was not reporting, ( 1 ) XXXX XXXX ( 2 ) US Dept Of Edu XXXX after pulling the report these item are still listed and reporting on the credit file. I called the reporting agency and spoke with a rep and she told me the confirmation number I told her is not showing up in their systems, I asked her do different departments have different confirmation numbers, and what do the dispute department confirmation numbers start with, she supplied me with the information however the mail I received that had the same 3 number for the dispute department was correct but yet she couldnt find the confirmation number.
Consumer complaint received 2021-09-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (VT)

Repeatedly, TD Bank has frozen my card for suspicious activity overseas. I dont have a big issue with this. 

The issue I have is that they routinely will refuse to lift the block after I go through all identifying information they request, to include voiceprint analysis because I dont have a US number registered to me. 

As a traveler, I use XXXX ( as does TD ) and other such services. 

Currently, once again, I am blocked from funds in my account and they refuse to budge because I dont have a US phone number. Which of course is impossible to do with no funds. 

There standards and enforcement are sporadic and with all the other information verification, to include a voiceprint, this matter of a US number is beyond ridiculous. 

BUT, the fact they know its me and refuse to release the block, fully knowing that I am trapped in a foreign country with no money, little food etc., is utterly reprehensible and goes unpuniished. 

Please note that TD has had to make several settlements for fraud. One of which was with CFPB and have constently been caught rigging penny arcades, structuring transactions, etc. 

Why are these people allowed to operate in the US?
Consumer complaint received 2018-02-15
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: TOYOTA MOTOR CREDIT CORPORATION (IL)

The last week of XX/XX/XXXX I contacted XXXX XXXX XXXX about deferring XX/XX/XXXX lease payment to the end of the lease agreement due to financial difficulties at the time. I was granted the deferral, and I was told by customer service that as long as the deferral agreement was received back in time ( XX/XX/XXXX ) that I would not receive a 30 day marker on my account. To begin, I was told the deferral agreement could not be sent through an email, but needed to be mailed to me. They spelled my address incorrectly, so it was delayed in getting to my residence. However, when I finally received the agreement, I sent it to XXXX along with a check for {$32.00}. They received the agreement and check prior to XX/XX/XXXX, and the deferral went through. However, when I went to get a pre-approval letter to purchase a home, I found out that XXXX had placed a 30 day derogatory mark on my credit. This mark is causing damages by increasing the interest rate on a new home that we are interested in. I contacted XXXX, and they are refusing to remove the marker even though I was told I would not receive a 30 day marker and their misspelling of my address delayed the deferral agreement. We fully paid off our lease in XX/XX/XXXX ; we owe nothing, so there would have been no point in going through a deferral unless it prevented the delinquent marker on our credit. The customer service I have received through XXXX  has been extremely poor, and I feel that I have been tricked by them. I have been a customer with them for ten years and have always been current on my account. If this does not get resolved ; they have lost a customer and I will seek damages.
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern : On XX/XX/2020, I sent a letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. A copy of my original letter is attached for your review. 

The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 

I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. 

If you have any questions or need additional information, please contact me at the address noted below. 
Thank you.
Consumer complaint received 2022-11-19
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)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$18000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA 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 XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-01
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 discovered unlawful unapproved accounts on my profile report. I'm concerned that you've included the following information in my credit profile and that you've forgotten to follow reasonable procedures to ensure the most extreme possible accuracy in the credit reports you provide. Credit reporting rules require organizations to provide only accurate credit data. Each step should be taken to ensure that the data given is completely accurate and correct. The following data should be explored in this manner. After carefully downloading my credit report from your service, I am having significant difficulty locating inaccurate/invalidated accounts. I am unaware of these things or false information since my personal information was compromised by the XXXX data breach and may have ended up in the wrong hands. You are filing reports recklessly and incorrectly, in violation of the FRCA. I am aware that you lack legal standing as a federally protected consumer, and that you can not retain a counsel to represent you against me. 
I will seek a default judgment and bring a class action lawsuit against the company for violations, stress, and menstrual agony on behalf of at least 1 % of the corporation, according to TILA 1640, OR ANY OTHER AMOUNT OF DAMAGES UNDER 1692K.