davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

After numerous attempts to rectify the situation I have been unsuccessful. TransUnion is reporting that I have a Discharged XXXX  XXXX Bankruptcy which is not correct. If they truly did do an investigation as per 15 U.S. Code 1681i ( a ) they would in fact see that I do NOT have a discharged bankruptcy. I have personally checked on PACER to verify that I do NOT show a XXXX  XXXX discharged Bankruptcy. I have disputed this with Transunion ( at least ) 3 documented times with no success ( on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). The other 2 credit reporting agencies do not report a discharged XXXX  XXXX bankruptcy. With TransUnion reporting this inaccurate information its affecting my ability to get a mortgage loan and if this isn't resolved through this complaint will be forced to next take legal action.
Consumer complaint received 2022-09-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I've been a Bank of America client for over 20 years. Until XX/XX/22 I had three checking accounts opened and in good standing. Two of these checking accounts only belong to me, and the other checking account was a joint account I shared with my husband. 
Yesterday I was trying to use my debit card to pay a metered parking and it didn't work. I called the Bank of America customer service line and they told me that the accounts were closed. I asked the reason for this and they told me, that an invalid check ( or something like that ) was deposited in the joint account. I told them that I didn't know what check they were referring to and that I need access to the money I had in one of the checking accounts that belongs to me. They were totally mean and didn't even listen to my reasons, I couldn't even access the online bank to check on my accounts, nothing worked, and the debit cards didn't work either. The worst thing is that at this point my money has disappeared and nobody from the bank has contacted me to explain anything, in addition, my husband and I have direct deposits in two of the accounts, my husband on the joint account and we don't know where the money is going to be deposited and how we are going to get access to our payroll. The bank clearly failed when they didn't notify us ahead. We didn't receive any warnings about what the bank was going to do and we didn't have enough time to report the situation to our jobs in order to change the direct deposit information. The supposed " invalid check '' was received by my husband in the mail with a letter explaining. This check was supposed to pay initial charges for a job he applied online where they wrap your personal vehicle with advertising of a company and pay you for it. If the bank considers this check as a scam should : 1. Investigate the company where the check came from 2. Avoid any checks that don't have all the signatures on jointed checking accounts to make sure both account holders agreed with the deposits 3. We are the victims in this situation because we are only normal citizens and bank account holders. We are no experts on financial fraud or anything like that and we couldn't differentiate a good check from a bad check. The only way for us to know the difference is to deposit a check and see if the bank considers it a good check. We know banks have the experts to identify illegal or fraudulent documents, even paper money and at the end each account is protected and insured. Bank of America hasn't lost anything here, we are the only victims and the bank is stealing our money.
Consumer complaint received 2024-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Neon Newco Corporation (OR)

I closed my account with Netspend earlier this year over the phone. The call operator tried multiple times to ask me if I was sure or upsell financial products or promotions to me. I declined all of them, said I just wanted to close the account, and she said she was closing my account. 
In the following months I received at least 2 new cards in the mail from them. The first one I threw away. The second I sent back in the mail around XX/XX/XXXX with a letter that read " Take me off your mailing list. Do not contact me again. '' On XX/XX/XXXX I received an email from them stating that my card has been blocked and reported stolen. I was confused but hoped it was a way to end the process of sending me new cards. 
Today, XX/XX/XXXX, I received a new card in the mail from them.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (IN)

I went to the 3 credit unions today to freeze my credit, XXXX, and XXXX were great. But Experian was a trying experience. Everything was an attempted up-sell, i could not find the right place from the homepage itself, and spent 5 minutes wondering around. I had to go out and XXXX how to do it and follow a link back in to finally at the bottom of some obscure page find the link to freeze my credit. I think they should be investigated for anti-consumer practices and surely not following the spirit of the law.
Consumer complaint received 2020-08-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

On XX/XX/2020 submitted via online application request for new checking and saving account. After submitting the application, I received notification of pending account application. On the morning of XX/XX/2020 contacted the new account representative and representative informed me that i have been pre-approved and would receive email with new account information and providing information on setting up online banking. Some XXXX hours after this call, I received notification of application decline. I am of belief and suspicion that the decline results from my enrollment in a promotional offer of {$600.00} and the bank is acting in an unscrupulous manner as to the application for new account.
Consumer complaint received 2020-11-21
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. (AZ)

Experian has refused to remove collections that will not validate the debts they say I owe, I disputed these collections in XXXX and they refuse to respond to my dispute! I have tried to dispute this for 90 days now Experians representatives continue to hang up on me, wont get me a supervisor, continuously lie to me that they cant get a supervisor unless they access my credit file, reporting fraudulently and not following the FCRA law concerning correct reporting, agencies continue to change information amounts owed, dates. Deragotory remarks. Etc. Also the items are not marked on my credit report as disputed they are showing as my accounts and even have been moved from collections to installment loans on my report! My FICO score is being shown as XXXX to me on my account but a different score is being released to creditors who inquire! Experians dispute phone number hangs up on you does not allow you to speak to a agent of Experian, I am providing this dispute to begin a criminal investigation by local police and the FBI to have all parties involved prosecuted for criminal activity and the unfair practices of stealing my personnel information, for effecting my credit scores and reports to prevent me from obtaining credit, and for misuse and conduct of my personnel credit files and personnel information, breaking consumer laws for fair credit reporting, and for fradulent investigations of disputes and corrections, releasing information that is incorrect to creditors, collection of money for membership and reporting false information on my account, refusal of protection of my credit file, allowing criminal agencies to break the law and putting false information on my credit file. A copy of this complaint and police report have been forwarded to the FTC, FBI, AND LOCAL SHERIFFS DEPARTMENT for investigation and prosecution I expect the CFPB TO INVESTIGATE AND ENFORCE THE FCRA FEDERAL LAW AND TO TAKE ACTION!! ACCORDING TO THE UNITED STATES ATTORNEY GENERAL, FTC, FBI, THE WHITE HOUSE. THE DEPARTMENT OF JUSTICE, HOMELAND SECURITY YOU ARE THE ENFORCING AGENCY AND I EXPECT A RESOLUTION AND REPORT OF INVESTIGATION OF HOW THIS INVESTIGATION IS CONDUCTED AND ITS SOLUTION!! I WANT ALL INFORMATION PROVIDED TO ME SO IT MAY BE FORWARDED TO LOCAL LAW ENFOREMENT AND THE FBI FOR PROSECUTION
Consumer complaint received 2022-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

On XXXX XXXX, I noticed there was an unauthorized transaction. I immediately contact customer service with my financial institution. I told them there was an charge I did not authorize. As I was on the phone with the representative. Another unauthorized transaction went through. I was advised I could not dispute until it cleared. After it cleared a couple of days later. I disputed it. After several disputes and denied emails. The financial institution found no errors. After a police report and speaking with the two merchants myself. They traced my card to the purchases. Then I was advised my bank would have to be the one to reverse it. My financial institution still finds no error and will not reverse the payments.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I co-signed on a vehicle. During the last week of XX/XX/XXXX I was notified that there were 3 missed payments on the account. Once I heard there were 3 missed payments I went into XXXX and submitted a payment on XX/XX/XXXX for the 3 missed payments plus XXXX 's payment in the amount of {$1200.00}. The monthly payment amount is {$300.00}. 

Payments following have been made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XXXX. XXXX is reporting the account as not current/missed payments for every month since XX/XX/XXXX. This has dropped my credit score by nearly XXXX points and they will do nothing to report this information correctly. I am not question 3 payments were missed by the party I co-signed for but I have email from a representative from XXXX stating the account is now current and that they would only report 2 missed payments on my credit report which they have not done. XXXX is showing 8 missed/late payments on my credit report and that the account is not current.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NY)

Our business checking account was compromised from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  we set up XXXX XXXX with TD Bank. The bank reimbursed us in XX/XX/XXXX. There was one more attempt in XXXX, but again the bank reimbursed us right away. 

On XX/XX/XXXX I received a call from the XXXX XXXX branch in XXXX, that someone is trying to cash a check for {$28000.00}. An alert came up for them through their system and they called me. I instructed them to not cash the check and to arrest the person trying to deposit it, but the person has already left the building. 

A few hours later, the check was cashed at the XXXX XXXX location. The check didn't even have our business name on it, only the account number matched. I was told we will be reimbursed within 24 hours I have filed complaints with the DA 's office when we were originally compromised and I will update them on the latest development. However, I feel the bank is not doing their due diligence. I am paying for XXXX XXXX  yet the bank keeps on cashing checks.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Due to this item being on my report it is causing me to lose out on career opportunities as well as being a better credit profile. Under the 15 U.S.C 1681 section 602A. 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. Please Update the following accts as the balance are wrong. Some of these have not been updated since XX/XX/2022. XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. These balances being incorrect is causing my debt to ratio to be off balance which is causing credit score to be lower than it should be.
Consumer complaint received 2022-12-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hillcrest Davidson & Associates (CA)

XXXX XXXX Sold me an alarm system and never guide me or told me that I must have alarm permit prior the installation. 
After searching online, I noticed that they are not allowed by law to install any alarm system before permit is obtained prior the installation day. 
The system they sold me is a piece of junk, since first week gave us only problems, waking us in the middle of the nights for nothing and after XXXX police visits I ended up paying over {$1000.00} false alarm fees plus penalties for not having alarm permit. It's my first time in my life installing home alarm, I never knew and no one from XXXX told me about permit or police charges. if I knew I would never sign a contract. 
XXXX only installed the system but the monthly bill came from XXXX XXXX XXXX which also should have check the customers obtaining permits before installation. 
Now we have XXXX companies the doesn't obey the law and on top of that trying to rob from me {$50000.00}??? Let 's see which court judge will give hand to this. 
XXXX XXXX more than welcome to come and take all the junk that the installed on my walls and windows and I would be more than happy if they will clean the double tape glue from my windows and patch and paint the holes they made on my new walls.
Consumer complaint received 2022-09-26
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-03-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I am in need of your immediate attention regarding this matter. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your investigation. Send me the results as soon as available. Your cooperation is badly needed!
Consumer complaint received 2022-04-06
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. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # 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 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My XXXX XXXX XXXX  Card appears twice on my XXXX report. I only have one XXXX XXXX card and the other account should be removed. This account is a duplicate and needs to be removed.
Consumer complaint received 2022-03-22
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)

I filed an identity theft report. I have repeatedly disputed fraudulent accounts that are results from identity theft on my credit profile that needs to be removed immediately. Accounts Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US Dept of EdXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (RI)

I took a refinance mortgage with Quicken Loans Inc on a condo unit I owned in XXXX about two years ago. I was making a payment of {$620.00} a month. On XX/XX/2019 I received an email notifying me that my taxes on that property were paid, which was odd because I always receive the bill from the City and pay my taxes. I contacted Quicken Loans via email and they told me that they received an undelivered mail from the city that prompted them to establish the escrow on my account and pay the taxes and also increase my monthly mortgage payment. I told them that bill must have crossed in the mail and I also told them that I went ahead and made the payment in full on the taxes on the city website. I provided them the receipts of the payment via email as asked them to removed the escrow as it will mess up my online banking. I provided them the contact number of the City of XXXX and told them that the clerk confirmed to me that Quicken could verify my payment with a phone call. All they need is the account number associated with the property. They got back to me and said they could not do this and the escrow will remain on my account because they have the right to establish it. I asked them to put my account in dispute and to provide me with the proof that they have the right to establish an escrow account and increase my monthly payment without my knowledge but they never did. I also ask them to provide me with the agency they use for arbitration but they got back to me and said there is no process to dispute this via arbitration or any other way. A few weeks later I started to receive late notices stating that I was delinquent on my loan even though I was making my regular $ XXXX monthly payment 30 days in advanced and I have never been late. This payment was automatically setup from my bank account to go 30 days before the due date and it is still going out every month. 
I tried several channels including calls, emails to try to resolve this issue but no one at Quicken seems to make any effort to resolve this issue. Quicken has been reporting me as delinquent every month since XX/XX/2019 because of the shortage from the escrow account they established. My credit score dropped more than 100 points when Quicken started to report me as delinquent. They also keep charging me every month a late payment and sending me notices of foreclosure on my condo.
Consumer complaint received 2022-04-06
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. (MI)

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-06
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. (CA)

When reviewing my credit report I noticed an account being reported by XXXX XXXX XXXX. They were reporting a debt from XXXX in the amount of {$1500.00}. I contacted this company as well as XXXX, Equifax, and XXXX in reference to the report and all parties continued to report the account despite me alerting of them on 4 separate occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) of their failure to meet minimal reporting standards. This is outrageous and the failure to address my complaint is causing hardship to my life. I'm trying relentless to correct this issue. I have been trying my best to obtain different employment however the jobs I'm seeking include credit checks as a part of their employment process. This is embarrassing to my record as my credit score is a representation of my trustworthiness and this is not a great reflection, especially when this account is being reported against standards.
Consumer complaint received 2022-09-26
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.