davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (CO)

I believe you reported inaccurate information about my account to XXXX and XXXX Reporting Agencies. I am asking for you to correct the inaccuracy of a late payment on my account. 

This is due to the U.C.C. 240.10b-10 ( a ) Disclosure requirement. It shall be unlawful for any broker or dealer to effect for or with an account of a customer any transaction in, or to induce the purchase or sale by such customer of, any security ( other than U.S. Savings Bonds or municipal securities ) unless such broker or dealer, at or before completion of such transaction, gives or sends to such customer written notification disclosing : ( 1 ) The date and time of the transaction ( or the fact that the time of the transaction will be furnished upon written request to such customer ) and the identity, price, and number of shares or units ( or principal amount ) of such security purchased or sold by such customer In the Attached documents I only Receive the billing statement after receipt of a Late Payment Statement. 

This Can not and will not stand as the bank was requesting funds after taking legal action without providing me a chance to have made the payment. 
Thus, there is Not Form of Offer, Acceptance, Or Consideration taking place. Instead, your bank is not upholding its responsibility to present the payment contract to receive payment. 
This is a much bigger problem because payments can not go to collections without attempting to reach me to receive payment. 

The Only reason I Initially used the card was, to accept the option to the card to stay open and maintain my relationship with HSBC. Now I am experiencing greater detriment as a result. This is also reflected in the correspondence. 

This was for an initial purchase of a Low {$36.00} purchase, by which has since been paid in full.
Consumer complaint received 2024-02-17
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. (GA)

In the recent Credit File Disclosure provided by Transunion, there are several reporting practices that explicitly violate the consumers federally protected rights. You stated that the consumer has been on your files since XX/XX/2008. Please provide a copy of the application submitted for consumer information to be recorded in your files. Consumer states for the record NO opt out notices were EVER provided, specifically now referring to the opting out of the sharing of nonpublic information with nonaffiliated third parties, pursuant to 12 CFR 1016.10 - Limits on disclosure of nonpublic personal information to nonaffiliated third parties. 
Furthermore, Transunion is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. On the credit file disclosure, you state consumer has given written authorization for various entities to access the credit file. Please provide a copy of each written authorization that was provided, allowing the proceeding disputed reporting. 
TOTAL LIST OF THE FOLLOWING : Regular Inquiries, Account Review Inquiries, Inquiry Analysis, Third Party Supplemental Information , Club and Subscription Activity, Collection Accounts. 
Included is a copy of the Credit File Disclosure provided with violations being highlighted. 
For the record consumer states they have not given any written, verbal, or non-verbal consent to the following reporting. Consumer is requesting the file be updated immediately. Consumer is requesting compensation for violations. The invoice has been enclosed with this letter. 
The FCRA, in 15 U.S.C. Sec. 1681n ( a ) ( 1 ) ( A ), allows a consumer to recover any actual damages sustained by the consumer as a result of the [ violation ] or damages of not less than {$100.00} and not more than {$1000.00}. 
Consumer states for the record they have instructed Transunion to limit prescreened offers of credit and insurance, via XXXX, but now request them to STOP all offers, completely. 
Please be aware, Consumer has the right to seek damages for injury by suing within a state or federal court. 
Please place a Security Freeze on the file, immediately.
Consumer complaint received 2022-02-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX collection agency for XXXX XXXXXXXX erroneously placed a collection account of {$510.00} for Con XXXX Account XXXX on my XXXX credit reports ( XXXX, Experian, and XXXX ) as per XXXX XXXX letter dated XX/XX/XXXX. 

Conversely, on XX/XX/XXXX XXXX sent me notification stating that final balance of {$510.00} for XXXX XXXX Account XXXX have been TRANSFERRED to my current XXXX account. {$510.00} for XXXX XXXXXXXX Account XXXX is on my current XXXX XXXXXXXX account. 

This XXXX XXXX collection agency account must therefore be REMOVED from my XXXX credit reports ( XXXX, Experian, and XXXX ).
Consumer complaint received 2017-07-25
Product: Vehicle loan or lease — Title loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (CA)

As a result of using a fraudulent credit consolidation company, ( XXXX XXXX ), My Credit Score dropped and accounts became delinquent. Lack of resources caused my vehical used as collateral, was repossessed, sold, and a balance was due, it was then charged off by original creditor. Thus happened in XXXX. I went through the proper channels and procedures through XXXX XXXX over many months in XXXX, Contacting the debt collection agency who currently had my account to verify facts about the debt. Two letters were sent with no reply, I submitted a complaint through XXXX XXXX with no resolution to the unfair practice of not receiving any reply to my requests from Lvnv Funding for the account that is for XXXX, it is also being reported by previous debt collector 12 XXXX XXXX as an open account. please help,
Consumer complaint received 2023-04-17
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. (NJ)

In accordance with the fair credit reporting act, XXXX XXXX XXXX, acct # XXXX, XXXX XXXX, acct # XXXX, and XXXX XXXX XXXX XXXX XXXX, acct # 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 an account without my written instructions or signature. 

Also I filed 3 affidavits with the FTC and the reference numbers is as follows : XXXX XXXX XXXX
Consumer complaint received 2022-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to TransUnion, XXXX and XXXX. I got a response stating that this item was verified. I submitted another dispute letter stating the reasons why this account should not be reported on my credit report and to remove it immediately. I received a deletion for this account on XX/XX/XXXX. This account was permanently deleted off of my credit report. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, XXXX XXXX XXXX from my credit report immediately.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have reported several times identity theft of my social security card and identification card. Someone has been using my identity. 
15 USC 1681 section 602 A States I have a right to privacy. 15USC 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containg any of the following items of the information, any ther adverse item of information other than records of convictions of crime which antidates the report by more than seven years. 15USC 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 2015-04-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have been applying for bank accounts and have been denied. 
XXXX and Bank of America are XXXX bank accounts that Ive had in XX/XX/XXXXboth accounts have been involuntarily accessed and deposits andwithdraws have been done on this account, each transaction wasTELLER TRANSACTIONS. 
When I first noticed it with the XXXX account I immediately brought it XXXX ( XXXX branch Acct. Manager ) she closed the accountand handled the issue for me. 
Months later it came to my attention that the same activities occurredwith my Bank of America account. On numerous occasions I madecontact to resolve this issue. PLEASE HELP ME! PLEASE XXXX AT BANK 'S AND TELLERS THAT PROCESSED THESEFRADUALENT ACTIVITIES & gt ;
Consumer complaint received 2015-11-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: LEXISNEXIS (NY)

LexisNexis failed to mail my XXXX report which is part of their full file disclosure that I requested back in XXXX. 
I have called them about it and they told me they would mail me a copy, but nothing has come.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma (NY)

I am a XXXX XXXX user. I believe that I was involved in their predatory lending scheme. I was told on many occasions, but I applied only a few times, that I was pre-approved and had great approval odd for cards according to my XXXX  score. After I applied to those same companies that displayed the card I had supposedly been approved for, I was denied. So, I was misled because they lied, to get me to apply when in fact, had not been approved for any of the companies. Inquiries are still on my credit report after I was told that it would not affect my credit. 

I only have the emails to approve the solicitations.
Consumer complaint received 2022-08-10
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. (NE)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-02-19
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)

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 sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2018-03-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Braviant Holdings, LLC (DE)

This is what I wrote on " XXXX '' onXX/XX/XXXX : What a SCAM! You never speak to anyone who speaks CLEAR ENGLISH ( and this is just for " starters '' )! 

TWICE this week I applied ; only to find out that BOTH applications were " declined, closed or withdrawn ''. WHY?! I only applied for {$300.00} for XXXX XXXX XXXX! We really needed this money, too! Oh, well! This must be a sign from Above. 

Just this morning, I was asked to call AGAIN to verify MORE information. This time, it was my BANKING information. We had to make a three-way call to our financial institution. I thought, " Ok. They're just verifying the account numbers and such. '' WRONG! The XXXX woman had the gall ; WITH a credit union representative at the other end, to ask for our CURRENT BALANCE! Excuse me?! That is NO ONE 'S business ... PERIOD! 

I don't care how badly we needed this money. It's blatantly obvious that " XXXX XXXX '' does NOT have the best interest of its customers/potential customers in mind. 

Moving along ... 

Reason of review : Poor customer service.

Monetary Loss : {$300.00}.

Preferred solution : Let the company propose a solution.

I didn't like : Shady practices, Csrs that do not listen and XXXX people around by being repetitive, Non-english speaking csrs, Csr gross incompetence, Csr questioning current available balance in checking. 

After WRITING THEM DIRECTLY about NEVER communicating with me EVER again, I got another OFFER LETTER IN THE MAIL TODAY (XX/XX/XXXX). The offer letter is datedXX/XX/XXXX, the same date as the first letter.
Consumer complaint received 2015-06-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My father passed away and his money market and checking account were set up as POD, payable upon death, to me and my brother and sister. Before we even got back from his funeral, they froze his account and said they would not honor any checks written against the account, even if they were written before his death. We went to the Bank of America to close out these accounts. They said it would take XXXX business days to get our money. We had just come from another commercial bank and it took us XXXX minutes to close the account and get our money. So, we got into a long discussion on why it took so long to get the account closed. I had talked on the phone with Bank of America XXXX days before we went in. They said if we presented a Death Certificate and signed papers the branch bank would cut us checks. Never happened and after talking to several different people with several different answers, the time period for getting the checks esculated to XXXX weeks! We left the bank without any resolve to our situation. So each FDIC bank can make up their own rules on when someone can get their money. Either Bank of America is breaking the law, or the Banking sector has no real hard and fast rules for protecting customer rights to their money. What good is a Payable on Death account if the Bank of American can make you jump through infinite hoops to try and get your money?
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the fair credit reporting act, XXXX XXXX XXXX, acct # XXXX, XXXX XXXX, acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # 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 an account without my written instructions or signature. 

Also I filed 3 affidavits with the FTC and the reference numbers is as follows : XXXX XXXX XXXX
Consumer complaint received 2019-02-28
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: BARCLAYS BANK DELAWARE (NY)

AFTER GOING THRU MY STATEMENTS FOR TAX PURPOSES I FOUND NUMEROUS CHARGES THAT I DID NOT APPROVE I CALLED MY XXXX  CARD TO LET THEM KNOW WHAT WAS GOING ON THEY TOOK MY CLAIM FOR ALOT OF CHARGES AND THE SAD PART IS I FOUND EVEN MORE AFTER I SPOKE WITH THEM THEY ASKED ME TO SEND IN STATEMENTS WITH THE INFO ON THEM WHICH MAKES NO SENSE SINCE THEY HAD JUST SENT ALL THE STATEMENTS TO ME, BUT I SENT THEM IN AND HAD BEEN WAITING FOR THEM TO GIVE ME IT BACK BUT THEN I GOT A LETTER SAYING THEY WERE REFUSES MY CLAIM THEY DIDNT SAY WHICH ONE OR WHY. I DID NOT DO THESE CHARGES IF SOMEONE IS SAYING I DID ITS A LIE AND I ONLY KEPT PAYING THE CARD OFF CAUSE I DIDNT WANT MY CREDIT MESSED UP I SHOULDNT HAVE TO PAY FOR FRAUD OF ANY KIND ON MY CARD
Consumer complaint received 2018-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (OR)

XXXX XXXX put a block on a merchant without my consent or notifying me a block was put on the merchant, or the reason for the block. This block resulted in significant data loss from the subscription service being discontinued due to the block. 

XXXX XXXX then took several days to remove the block, something that normally could be done much quicker should a reasonably professional effort be made to do so by XXXX XXXX.
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (NJ)

There were {$30.00} rewards on my account in XX/XX/XXXX. I went to use my rewards in XX/XX/XXXX. They were gone from my account. I called customer service for an adjustment. They made a {$.00} adjustment. I called back, spoke to a supervisor and was assured it would be on my account on the next billing cycle. It was not, nor was it on any billing cycle. I have been calling them each month with the same script. In XXXX, they managed to get {$10.00} back. Today was my final call to them with them same story.
Consumer complaint received 2016-04-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I 'm trying to avoid foreclosure with Bank of America. I 've called multiple times to get a payoff and left voice mails with my phone number as well as my e-mail. No one from Bank of America has responded. I put up my home for sale, and need the payoff information.
Consumer complaint received 2017-10-16
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. (FL)

Equifax has the responsibility to keep my private information safe and secure. I am appalled that Equifax would allow this to happen. Not only did they allow this to happen but they also acted as criminals when they started to sell off stock before it hit the news.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (MD)

I filed a complaint against Equifax with CFPC in XXXX 2016, in regards to obtaining a copy of my credit report and credit scorces and also disputed inaccuracies contain in my consumer file. Equifax send a copy of a credit report and score dated XXXX XXXX, 2016, according to Equifax my credit score is XXXX. XXXX offers a service where they provide their customers with their credit score obtained and supplied by Equifax. XXXX claimed my Equifax credit score is XXXX and this information was obtained from Equifax on XX/XX/2016. 
Equifax response : Please be advised that scores are derived from a mathematical formula which calculates elements on the credit file. Information is reported to Equifax continually, thus the file content may change as well as the score. The " key factors '' are general explanations about what may be affecting the score and are not part of the credit file. Please also be advised that creditors have their own criteria for granting or denying a service or benefit based upon the score. Please contact your Creditor 's directly in regards to your application for credit. 
XXXX response : Dear XXXX XXXX : We have received your inquiry that was submitted to the Consumer Financial Protection Bureau regarding the free FICO ( R ) score appearing on Account Online. 
The FICO ( R ) score is a reflection of the data in your credit report and is provided to XXXX by Equifax. We are unable to change the FICO ( R ) score appearing on Account Online as updates are only made when we receive information from the consumer reporting agency. 
To report inaccuracies and request corrections, please contact Equifax directly as XXXX can not control information reported by other creditors to the consumer reporting agencies. 
I again am filing a complaint against Equifax and requesting an investigation into why Equifax is providing XXXX different credit scores and their calculation methods that would warrant the same credit report with the same information creating XXXX different credit scores. 


If there is information on your credit report regarding your XXXX ( XXXX ) XXXX XXXX ( XXXX ) account that you feel is inaccurate, please provide us with the details so that we may investigate further.