davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-31
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2019, I opened a savings account with Bank of America. I did so after seeing an advertisement on the BOA website where I view my credit card information. After taking advantage of the bonus offer, meeting all requirements, BOA decided I shouldn't have seen the banner as I wasn't targeted. Their " mistake '', or as I call it, bait and switch, resulted in me losing higher interest and the bonus even though I received confirmation that I enrolled in the offer. It is convenient that they can advertise an offer to everyone and then never follow through. 

Here are the terms I met. attached is a confirmation I received for enrolling. 

( 1 ) Enroll in the offer by XX/XX/2019 requesting enrollment from a Bank of America associate or by clicking the enrollment link in a direct email communication. 

Next, complete the following steps within 30 days of enrolling : ( 2 )  Open or maintain an eligible savings account ( Certificates of Deposit ( CDs ), Individual Retirement Accounts ( IRAs ), and Minor/Student savings accounts are not eligible for this offer ) ; and ( 3 ) Make deposits of new money ( each is a " Qualifying Deposit '' ) totaling at least {$10000.00} directly into the eligible savings account. " New money '' is money not currently or previously held in any account at Bank of America or Merrill. 

Finally, for 90 days following enrollment in the offer ( the " Maintenance Period '' ) : ( 4 ) Maintain the Qualifying Deposit ( s ) in  the eligible savings account. 

If all requirements listed above are satisfied, Qualifying Deposits totaling $ XXXX {$19000.00} will be eligible for a {$150.00} bonus, $ XXXX {$49000.00} will be eligible for a {$200.00} bonus, $ XXXX {$99000.00} will be eligible for a {$300.00} bonus, and {$100000.00} or more will be eligible for a {$500.00} bonus. Your Bank of America eligible savings account must be open and in good standing up to and including the date the bonus is paid in order to receive the bonus. If you meet the requirements for the bonus, we will attempt to deposit the bonus directly into the eligible savings account within sixty ( 60 ) days.
Consumer complaint received 2021-06-05
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. (NJ)

XXXX, XXXX and Equifax allowed a company by the name of XXXX to report false information on my account. The company XXXX also did not follow FCRA guidelines. 

The creditor failed to notify me when it supplied negative credit information to a CRA The creditor failed to notify me of my right to dispute inaccurate credit information The creditor failed to submit corrected information to the CRA subsequent to investigating your dispute None of the CRA conducted a conduct a reasonable investigation of my dispute. I would like documentation of verification that you received from XXXX that the account is accurate and that I was appropriately notified prior to the company reporting this on my credit report.
Consumer complaint received 2020-08-31
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX XXXX {$410.00} XXXX   XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$230.00} XXXX  XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX  XXXX XXXX {$550.00} XXXX  XXXX XXXX XXXX XXXX {$170000.00} XXXX  XXXX XXXX {$6900.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX  XXXX {$140.00} XXXX XXXX XXXX {$31000.00} XXXX   XXXX XXXX {$500.00} XXXX  XXXX  XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX {$7100.00}
Consumer complaint received 2021-11-28
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 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 inquiries reporting on my Credit Report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  FI XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report I have requested to see the original application. To this day, which is well over 60 days later, I still have not received a response or the original application. I feel like Im being taken advantage of and being ignored of my dispute. According to section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report I have requested to see the original application. To this day, which is well over 60 days later, I still have not received a response or the original application. I feel like Im being taken advantage of and being ignored of my dispute. According to section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands.
Consumer complaint received 2019-11-07
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: EQUIFAX, INC. (FL)

The problems started on XXXX XXXX with XXXX, XXXX XXXX XXXX XXXX, XXXX, UT XXXX made a hard inquiry on my credit report. I have never used or heard of this company. 

On XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX, CT XXXX made a hard inquiry on my credit report. I have never used or heard of XXXX XXXX. 

On XX/XX/XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX, GA XXXX made a hard inquiry on my credit report. I have never used or heard of this company. 

These hard inquiries have adversely affected my credit score, which I would like to have corrected.
Consumer complaint received 2020-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I used a 3rd party app to get a hotel room for {$130.00}. Turns out the hotel had no power so they refunded the money. Well bank of america took my money and won't put it back in my account. Their claims department won't give me answers and I get the run around. I spent 3 hrs on the phone yesterday and still got nowhere. Money was stolen from my own bank .they are doing it to everyone .they have to be stopped.
Consumer complaint received 2023-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/, I deposited a Cashier 's Check in the amount of {$5100.00} into my Fifth Third Bank personal checking account. When I checked my balance on XXXX XXXX XXXX I found that the cashier 's check deposit was not reflected in my account balance. I called the Fifth Third Bank and spoke with a supervisor to ask why the amount had not been credited to my checking account. He said that the Fifth Third Bank had placed a hold on the cashier 's check. I have reviewed Fifth Third Bank 's published deposit policy which states that a cashier 's checks are to be available to a depositor within one business day. 

My checking account with Fifth Third Bank has been in existence for over 30 years. 
I would like your help in resolving this issue.
Consumer complaint received 2024-02-25
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. (MD)

TransUnion has been reporting income on my consumer report and I have attempted on multiple occasions to resolve this issue. Per IRS 1099c is to file my income on my tax returns. I provided all of the information to TransUnion XX/XX/XXXX I was told the issue would be resolved at the end of XX/XX/XXXX. I called in to check the status and I was told that the last rep didn't upload any of my information and everything would be updated XX/XX/XXXX. When I called XX/XX/XXXX I was told XX/XX/XXXX everything would be resolved ... ..again. TransUnion has been using this stall tactic but I have proof of filing the following XXXX XXXX {$8300.00}, XXXX {$8700.00}, XXXX {$7300.00} everything has been filed this is income not debt. Also I never asked TransUnion for any verification in any of my complaints so the generic response of " been verified '' I'm not asking for that.
Consumer complaint received 2020-12-10
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)

Due to medical bills that I had in collections ( since removed ) I applied with XXXX XX/XX/XXXX, XXXX. and XXXX XXXXXX/XX/XXXX, XXXX. for secured card. They both made inquiries into my credit report. This was for cards backed by a deposit - not my credit-worthiness. They needed to place this more conspicuously as there is an implied contract of the card not being based upon credit worthiness. Also, where one normally can dispute this with the credit bureaus, here it is modified so that I am required toys every the banks remove the inquiry. This creates a greater burden of proof upon the consumer and allows for more abuse in the part of the bank - they are in control - they do what they want. It should be removed, but more so, these agencies provide facto public services. If more of their policies reflected these actions, legislation would follow as they should service as a mediator and an over site board in these sorts of disputes. It is unconscionable to think that they should be able to do this. Laws should be enacted to protect the consumer and allow them to dispute information with the bureau to which it has been reported.
Consumer complaint received 2021-04-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2017-09-26
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. (IL)

XXXX, XXXX, Equifax all are treating XXXX hard inquiries as XXXX hard inquiries when they were within 45 days of each other, and were ALL related to shopping rates for a single mortgage refinance. Two were XXXX and one was XXXX. XXXX XXXX, 2016 and XXXX XXXX, 2016 for XXXX and XXXX XXXX, 2016 for XXXX. These are supposed to be treated as one inquiry.
Consumer complaint received 2020-12-10
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. (FL)

Due to medical bills that I had in collections ( since removed ) I applied with XXXXXX/XX/XXXX XXXX. and XXXX XXXX XX/XX/XXXX, XXXX. for secured card. They both made inquiries into my credit report. This was for cards backed by a deposit - not my credit-worthiness. They needed to place this more conspicuously as there is an implied contract of the card not being based upon credit worthiness. Also, where one normally can dispute this with the credit bureaus, here it is modified so that I am required toys every the banks remove the inquiry. This creates a greater burden of proof upon the consumer and allows for more abuse in the part of the bank - they are in control - they do what they want. It should be removed, but more so, these agencies provide facto public services. If more of their policies reflected these actions, legislation would follow as they should service as a mediator and an over site board in these sorts of disputes. It is unconscionable to think that they should be able to do this. Laws should be enacted to protect the consumer and allow them to dispute information with the bureau to which it has been reported.
Consumer complaint received 2021-04-09
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XX/XX/XXXX Last XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Florida XXXX This certified letter, receipt number : XXXX is to formally advise you that I believe your company has violated several of my consumer rights. Specifically : You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following : Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

I expect to receive the proof requested above within 1 day of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. 

I have hired a consumer attorney to assist me in this matter. 

1.XXXX Original creditor : 01 XXXX XXXX XXXX XXXX {$270.00} Account number XXXX Collection opened XX/XX/XXXX 2.XXXX XXXX Original creditor : 06 XXXX XXXX XXXX XXXX {$140.00} Balance updated XXXX XXXX, XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX 3. XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$1200.00} Balance updated XXXX XXXX, XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$1000.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account 5. XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$1000.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XXXX  XXXX, XXXX Loan Amount {$1000.00} Experian collection XXXX XXXX XXXX/ Original creditor : XXXX XXXX {$4400.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX -
Consumer complaint received 2021-04-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, I noticed that a XXXX transaction had been transferred from my Capital One Checking account in the amount of {$850.00}. I did not authorize this transaction and immediately called Capital one on XX/XX/XXXX to report fraud. I was given a case number # XXXX and was told I would need to wait 10 days until the review was completed. 
On XX/XX/XXXX I received an email that Capital one was closing my account and I would not be able to bank with them anymore. The representative for capital one told em that it was likely they would not be able to refund me the money for the fraudulent claim. I am still waiting for the conclusion of the review.
Consumer complaint received 2024-02-25
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. (FL)

Company has violated Family Educational Act of 1974, Privacy Act of 1974, USC 15 U.S. Code 6801 - Protection of nonpublic personal information, and 17 CFR 160.7
Consumer complaint received 2021-08-20
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)

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

I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed in each letter that was sent to you via certified mail, in which I have verifiable proof. The dates that I sent Equifax certified mail was XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 in which I have receipts. With each letter you have ignored my request and the federal law. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation in which you have failed to do. In fact it has been more than 120 days since I initially reached out to Equifax, directly for Equifax to conduct their investigation. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed in each letter sent to you.
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (IL)

I have a Chime Debt Card. XX/XX/2020 someone Cloned my Chime Card, Chime refused to Investigate. I cancelled my card & a new one was sent. XX/XX/XXXX I used my card at XXXX for a XXXX purchase. XX/XX/XXXX Chime tried to take XXXX Cents from my card called chime 4 times to fix the problem Horrible, Horrible, horrible Customer Service Agents no one can seem to fix the problem the agents are rude liars won't transfer me to a supervisor/manager keeps blaming XXXX I have talked to XXXX 4 times they have no record of them trying to deduct XXXX cent off my card for 6 days straight at XXXX every day I sent a message to chime bot after 4 days no one ever responded. XXXX owns Chime Bank. I need Chime to stop trying to fraudulent take XXXX Cents off my card every day at XXXX. Thank you.
Consumer complaint received 2017-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd. (CA)

On XXXX XXXX I called to cancel my XXXX home delivery. Since that date, I have called 10 times in an attempt to bring closure to this nightmare. I was told on 3 different dates to put my 4 bottles of water out for pick up.  I was told XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. Even the supervisor I spoke with XXXX XXXX XXXX on XXXX/XXXX/XXXX told me the bottles would be picked up. Today XXXX/XXXX/XXXX I was told by XXXX at Collection Bureau of America that no one picks up the bottles. You, the customer, have to drop them off. After being told by 4 different people on 4 different dates that the water would be picked up. 

On XXXX/XXXX/XXXX I spoke with a supervisor named XXXX. Per XXXX, I had a final bill balance of XXXX ( {$.00} ). He said he would email me on XXXX/XXXX/XXXX or XXXX/XXXX/XXXX with the date the water bottles would be picked. I never heard from him. 

So, here we are 7 months later & my account has gone to a Collection Agency. Why? What are these charges for? I paid my final bill of {$29.00} On XXXX/XXXX/XXXX for delivery on XXXX/XXXX/XXXX of 3 - 3 gallons of water.