davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-01
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 (TX)

Starting on XXXX i had unauthorized charges done on one of my credit cards with Bank of America XXXX I was at work on the XX/XX/2021 until XXXX. I left straight to XXXX XXXX after that and didnt come back to work until the XXXX of XXXX. I had a call from Bank of America her name was XXXX, she said something about fraud charges. I logged into my account and noticed there was numerous transactions i did not do or authorize anybody with the card. I checked my card case and my card was gone with my chase card as well. I called Bank of America immediately to tell them that it wasnt me because when i logged into the Bank of America app it had my verify the information if it was me or not. I freaked out so filled it out and called them and told them it wasnt me. I rarely use this card unless its an emergency. They opened a fraud dispute on the transactions and denied them, i called them back and they reopened it but this time i did a police report and provided them with that information. There was a total of 8 transactions done. The ones on the XXXX of XXXX are as from XXXX XXXX for XXXX, XXXX XXXX and XXXX XXXXXXXX For the XXXX the first one is XXXX XXXX XXXX and the second one is XXXX XXXX XXXX For the XXXX theres one at the XXXX XXXX for XXXX, the XXXX XXXX for XXXX and XXXX XXXX XXXX  for XXXX I cant believe theyre denying my fraud claim that wasnt me. Im frustrated that they havent came up with a resolution and they sent me a letter saying they contacted some reporting agencies to add a comment on my credit report stating that i disagree with their decision on my claim. I am not responsible for these charges because i didnt do them. Ive never had to go through this before and the fact that they cant seem to come up with a resolution is frustrating on my end.
Consumer complaint received 2021-07-01
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: SYNCHRONY FINANCIAL (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-04-30
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. (NJ)

Since XX/XX/2021 I have sent numerous letters informing the credit bureaus that upon my investigation of my credit reports they were in violation of several FCRA codes, 15 USC sec.1681 ( a ) 1 by reporting inaccurate information which is unfair to me as an consumer they are also in violation of 15 USC sec . 1681 ( a ) 4 in which they are violating my consumer rights to privacy. I have not given any credit bureau Equifax, XXXX  or XXXX  the written authorization to furnish a consumer report which a violation of the FCRA 15 USC sec. 1681 ( b ) 2. these violations are unacceptable and all accounts listed are to be deleted immediately. 
thank you for your immediate response
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my XXXX document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX : XXXX.
Consumer complaint received 2022-02-16
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: Experian Information Solutions Inc. (SC)

I have filed disputes with Experian for XXXX accounts ( XXXX XXXX XXXX ) regarding validation and the account being annotated as past due, and requesting validation with copies of original ( wet signatures ). Payment history in XXXX XXXX these accounts is marked as " XXXX '' monthly, but continues to be reported as " past due '' in the status of XXXX accounts. Additionally, the request for validation with photocopies of original contracts is not being acknowledged.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

Experian is flat out putting lies on my credit report and once again I have the documentation to prove it. Experian sends me an email ( check attached documents ) telling me that my credit score has just changed for the better. Well, that was a joke. I go to see my credit score and what's there is a fourteen-point drop. How is that positive? I am confused at this point? A positive change would've been my score going up or something that's actually positive being reported. This was definitely not positive!
Consumer complaint received 2022-08-11
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)

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite 5 previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( XXXX ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2017-11-17
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BBVA FINANCIAL CORPORATION (TX)

as of XX/XX/XXXX i opened a saving account at compass bank. 
as of yesterday ( XX/XX/XXXX ) i was sent a notice the my savings account was over draft. 
i went to the to ask about this notice and found out that, the bank was charging me a transfer fee twice a month for this service. 
they told me they could only rein burst me {$30.00} for my troubles and I 'm at fault for let this happen.
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This erroneous late payment on my account is causing me considerable distress, especially considering my history of punctual payments. I implore you to rectify this error promptly by removing it from my account, as it does not accurately reflect my payment habits.
Consumer complaint received 2019-10-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

Approximately 2 months ago, an online profile was set up with USAA, both for my father ( a veteran ) and myself. The account setup was successful, and a deal was made at my local XXXX dealer. The dealer asked me to call USAA to get the loan process started, and I was informed that my account was blocked and USAA reserved the right to do business with me. My husband and I were concerned, becuase we have strong credit scores and have never been refused credit before. We came home and checked our credit reports, which were in order. The next several days were spent on the phone with various departments of USAA, no one had an explanation, except to say that fraud was suspected and that I should write to the legal department, which I did. An investigator from the fraud department was in touch, and after his investigation, he held that USAA refused to do business with myself and/or my father, no explanation would be given. I believe as a financial consumer, I have the right to know why I was denied an opportunity to apply for credit. Also, no written notification was given.
Consumer complaint received 2018-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital one offered me a credit card with one interest rate, but has increased that rate mid-cycle. Also, despite my having paid {$200.00} on my balance of {$580.00} over the course of 2 months, the interest I owe has increased rather than decreased making me owe more than I should.
Consumer complaint received 2022-11-17
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account XXXX 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 2019-02-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (FL)

I negotiated a new lease on my XXXX XXXX with XXXX XXXX in XXXX XXXX, Florida. Despite a 3 hour negotiation none of the XXXX employees advised me that my lease for the new car would overlap the last month of the old car. This resulted in my making two payments in one month for one car. If I had known I would have opted to either negotiate that XXXX pay off my last payment or I would have opted to wait a month before signing a new lease. 

The result is I paid {$250.00} to XXXX for a car I had returned during the signing of a new lease. I feel this practice was either deliberate or the sales personnel were to eager to sign a new contract that their attitude was the consumer be damned.
Consumer complaint received 2024-02-19
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 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 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.

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 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I do not recognize these credit inquiries and I have asked them to be removed and the credit bureau have not. I will be providing an identity theft report and Im requesting them to be removed because there are inaccurate and not mines.
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: N26 Inc. (MI)

N26 has locked my account and its been locked since XX/XX/XXXX I use this card all the time for online purchases and more. These ppl have locked my card and stated it was because of fraudulent activity when there was none and they have yet to explain where this fraudulent action came from because I sure didnt report to them anything. I was using my card just fine. I ask everyday when they will unlock my money and they wont tell me a time frame they wont answer my questions. I cant even pay my rent because of them!
Consumer complaint received 2021-09-01
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: NOVAD Management Consulting, LLC (IA)

Almost three years since trying to complete the Deed in lieu for mothers home. Novad has been non responsive, lack of caring or considerate. I have requested an update from XXXX XXXX on Monday of this week and he has not responded. 

On XX/XX/2021, at XXXX XXXX, XXXX XXXX XXXX wrote : Good XXXX, We have followed up with the attorney who is reviewing the documents to clear the repurchase issue. Once we receive any information from the attorney I will provide you an update. 


Thank you XXXX XXXX Loss Mitigation Supervisor Novad Management Consulting XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, OK XXXX Email : XXXX Main Phone : ( XXXX ) XXXX XXXX
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (WV)

I have pages of inquiries that was not me and breached data showing up constantly using my email and other personal information alerting me that its showing up on the dark web also I am now dealing with a huge problem with my account through Experian that I pay for to access all three credit bureaus was hacked and it took me forever to get back into it and I had froze and locked all accounts they were all unfrozen. I have never filed for unemployment and now received a statement from workforce wv from the IRS of file taxes stating someone claimed {$11000.00} using my information and have never filed for unemployment. I will filing police reports due to this
Consumer complaint received 2019-05-16
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. (NY)

Good afternoon. I am reaching out directly to the CFPB for help with an issue I noticed on my credit report from a credit card that I currently have with XXXX XXXX XXXX. I have had this card for a few years now and it has a {$600.00} credit limit on it. I had a balance of {$430.00} that on XX/XX/2018 I paid off in full with XXXX XXXX XXXX, which brought me down to a {$0.00} balance with XXXX XXXX XXXX. I have not once used this card to purchase anything, but I continued to get charged interest fees and annual fees every month since I have paid that account down to {$0.00}. Now, I got online today and received an email from my credit reporting agency informing me that I had a late payment posted to my credit report, which has never ever ever happened for me in my whole life, so naturally I was shocked and upset. So, I checked my credit report and it was showing XXXX XXXX XXXX as past due now over 30 days. I logged into my XXXX XXXX XXXX account and it is showing a past due balance of {$58.00}, which I paid that very moment. I researched into this and noticed that for some reason my automatic payment that came out automatically from my bank account eveyr month through XXXX XXXX XXXX had mysteriously just stopped being issues to my bank account since XXXX of this year. This credit card payment has always automatically cleared my bank account on auto payment every month on the XXXX of the month ever since I have had it. Upon researching even further I noticed that every month since I had paid this card down to a {$0.00} balance and have not used it I have an annual fee of {$8.00} posted, which had never been the case prior to me paying this account off. This is what lead to a payment being due, which I never used the card so there shouldn't have been a payment due, nor has there ever been a monthly fee for an annual fee ( redundant right? ) on this account before in the past. That combined with my monthly autopayment being mysteriously stopped lead to me having my first ever last payment posted to my credit bureau, which dropped my credit score over 150 points. Never once did I ever get anything in the mail showing a payment due, nothing in my email, no phone calls, absolutely nothing. When I pay the card off and don't use it I d n't expect to have a payment due so it's not something I would go looking for so this completely caught me off guard. Had I known of this payment being due I would've paid it. This is completely and totally wrong of this credit card company to do this to me and I am quite distraught about it and I am here begging someone to help me please get this off my credit reports. I am beginning the process of trying to buy a house and this is going to completely ruin all of the hard work I have put into my credit over the years over something that I did nothing wrong with. Please, is there anyone at the CFPB that can help me get this resolved?
Consumer complaint received 2021-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MS)

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is ENHANCED RECOVERY CO L. The inquiry date is XX/XX/2021. The bureau reporting is XXXX. Thank you!
Consumer complaint received 2018-01-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NV)

I applied for a personal loan of {$10000.00} a couple days ago to pay off some debts and I went on XXXX XXXX XXXX XXXX said that I should contact OneMain Financial so I contacted them I applied for a {$10000.00} loan they returned with {$2800.00} unsecured or XXXX dollars secured which would be my vehicle I told him I Vehicles not paid off so they said XXXX so I get an email from the company and tells me what time I'm supposed to be there at XXXX today on the XXXX so I go down there after I get out done with work I pull in I go inside they take all my documents my ID my work ID a check stub my pay stubs all utility paperwork and stuff the guy that's supposed to talk to me never comes out I talked to two or three two different women and one guy I have no idea who they are they didn't even introduce themselves and then they come back a few minutes later and tell me they can't help me why did they make me turn circles go all over the place just to get over there so they could deny me if I were you anybody that's the even thinking about going to OneMain Financial think twice go somewhere else they are the worst they are so rude they kept all my documents I told them you better make sure you shred them then and I left the windows weren't even clean that's how bad this place is disgusting
Consumer complaint received 2022-07-05
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. (PA)

Greetings, I have filed a complaint multiple times about fraud and Identity theft on their online platform. I have called and mailed disputes about the issues numerous times. I also have a police report about the matter. 

All three credit Bureau 's enabled the false reporting, after I expressed the issue to them, and they still continued to allow the false reporting Ignoring the FCRA LAW. 





INQUIRIES ( IDENTITY THEFT ) XX/XX/XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XX/XX/XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX( XX/XX/XXXX )XX/XX/XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XX/XX/XXXX XX/XX/XXXX ) XX/XX/XXXX XX/XX/XXXX ( XX/XX/XXXX ) ( FALSE ) ALLEGED DATE OPEN : ( US DEPT ED XXXX ) DATE OPENED : XXXX Experian XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX DATE LAST ACTIVE XX/XX/XXXX XXXX XX/XX/XXXX ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX XX/XX/XXXX LAST REPORTED : XX/XX/XXXX XX/XX/XXXX ( NOT MINE )XX/XX/XXXX Account Number : XXXX ( WRONG INFO ) XXXX XXXX Account Number : XXXX. 
( NOT MINE ) XX/XX/XXXXAccount Number : XXXX