davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-04
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. (PA)

Inaccurate late payments have been placed on my account by Experian XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-05-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (CA)

Company has wrong information on me and thus not receiving proper notification on debt being sent to collection. Proper notification wasn't sent in advance on debt was going to be sent to collections. No effort was done to try and reach me before hand. Also they called a family member that I have no communication with to try an locate and having the correct phone number to reach me.
Consumer complaint received 2020-05-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I was offered a {$500.00} bonus for opening a checking account with Bank of America and making {$10000.00} in direct deposits within 3 months of account opening. I spoke by phone with a Bank of America representative on XX/XX/2020 to open the account ( account number is XXXX ). The promotional email I received telling me about this account had no unique tracking information other than my name in the email. I met the terms of the bonus on or about XX/XX/2020. Bank of America appears to have enrolled me in a {$100.00} bonus program instead and awarded me a {$100.00} bonus on XX/XX/2020. I have called Bank of America at least twice in XXXX and XXXX to confirm my enrollment in the proper bonus. They told me they had opened a case on my behalf and it would take up to 60 days to complete their investigation. If I'm not mistaken, 60 days has come and gone without any contact from them and I'm still missing {$400.00} of the bonus.
Consumer complaint received 2020-05-18
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

The entire underwriting process was a disaster. I was told I was cleared to close and then asked more documentation. Nonetheless I accepted all that Citizens bank requested and obliged. I finally closed on XXXX XXXX and it has been 4 weeks since closing and I still have no log in for getting disbursements for my construction loan. I have reached out to my MLO and even the assigned Construction draw administrator XXXX XXXX who is slow to respond. I am now being asked for documents that were already provided during underwriting and asked for different documents by the construction loan administrator. The process has been a nightmare and Citizens bank should not be in the construction financing business if they can not create a better experience for their clients. My construction is moving at a snails pace because I am unable to get disbursements from my approved loan even 4 weeks after closing yet they restrict me to a 12 month construction period.
Consumer complaint received 2020-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020 I opened a new business account under the name : XXXX XXXX XXXX XXXX XXXX An XXXX Corporation I created. On XX/XX/2020 at XXXX I deposited a check made payable to XXXX XXXX XXXX XXXX for {$13000.00}. Check Number XXXX. On XX/XX/2020 I was issued a letter from Chase saying my account has been blocked and my funds have been frozen ever since. Please be aware the check for {$13000.00} were cashed and funds were available by XX/XX/2020 yet they have not been released to me or made accessible to me. I have contacted my personal banker, XXXX XXXX, Branch Manager XXXX XXXX, and the compliance office. The compliance office stated that because the address on the check made payable to XXXX XXXX XXXX does not match the address on file, of XXXX XXXX XXXX CA XXXX and instead has my address of XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX CA XXXX. They can not release funds to me. I explained to them that the XXXX XXXX XXXX address is my work address and I even gave them a copy of my XXXX  XXXX employment contract showing that XXXX XXXX XXXX XXXX is my work address. It's been over 12 days since this happened and I have no choice but to file a complaint and escalate this. Please help.
Consumer complaint received 2022-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

I was in XXXX  for my friend 's wedding on XX/XX/XXXX - XX/XX/XXXX. On the night of XX/XX/XXXX, past XXXX  ( XX/XX/XXXX XXXX ), I made a togo order at " XXXX XXXX '' and made a transaction for {$62.00} when I picked up the food. The next morning ( XX/XX/XXXX ), I found out that I lost my credit card. I immediately checked my bank account and noticed that there is another transaction made at " XXXX XXXX '' with {$260.00}. This one is not a transaction made by me. Soon as I saw that statement, I called the Chase customer service to lock my credit card and reported the {$260.00} transaction as fraud. On the call with the customer service, the customer support representative let me know that it will be removed and I won't need to worry about it. Today, on XX/XX/2022, I checked the bank statement, and found out that the fraud department denied my fraud request recently with a reasoning " you received benefit from this transaction ''. I strongly believe they did not make any action to truly investigate the issue. I am sure there was cctv to prove that I was at the restaurant for only about 3 min to pick up the food which will definitely explain that the later transaction of {$260.00} is fraud. They did not list any of their evidence to prove that I benefitted from the transaction. I also never made any kind of fraud claims, which gives me more validity that I am not making any false claim. If I intended to make a false claim, I could have reported my first transaction of {$62.00} to be also a fraud transaction. But I did not do it, because the first transaction was made by me. I can not accept their rejection reasoning unless they can explain to me what investigation was made and proof of evidence to show that my fraud claim is not valid. I reported the fraud claim the day after the fraud transaction was made, so they had plenty of time to investigate, such as checking the cctv. I wish I can provide more evidence, but they took over a month to investigate and rejected my fraud request and since I do not live in XXXX, I can not provide any documented evidence.
Consumer complaint received 2020-05-18
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. (GA)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately.XXXX XXXX {$1400.00} XXXX XXXX {$770.00XXXX XXXX  XXXX {$2600.00} XXXX XXXX  XXXX {$6400.00} XXXX XXXX  XXXX {$58.00} XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$250.00}
Consumer complaint received 2020-05-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PROSPERITY BANCSHARES, INC. (TX)

This complaint is about aChecking, Saving account and Safety Deposit Boxes for my Great Grandparents where their XXXX XXXX XXXX XXXX XXXX  were deposited. The name of the Bank was XXXX XXXX XXXX XXXX in XXXX Texas that was bought out by Prosperity Bank in XXXX. The last time anyone seen any thing on there account was XXXX and XXXX when it was first bought out by Prosperity Bank. Now Prosperity Bank states that they never had an account at neither Bank as stated by Ms.XXXX XXXX customer service for Prosperity Bank. I sent Sworn Afidavit of Heirs, Death Certificates, and a sworn Inventory of all assets owned by my Grandparents. It list XXXX XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX  XXXX bought out by XXXX XXXX XXXX. Their accounts should be still active and untouched for over ( 62 ) Sixty Two years and was never closed. XXXX XXXX XXXX XXXX tried to get in touch with my family by the news papers that I found in XXXX. This is how the family found out that my Great Uncle XXXX XXXX who was my Grandfather 's Executor didn't close none of his accounts in two different Banks. That's when we got involved this year on the matter at hand. Prosperity Bank says, they can't find no accounts. This can't be true.
Consumer complaint received 2022-07-04
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. (IL)

I recently applied for XXXX XXXX and the information that was given to them that send me a low amount approval is because of the following. ( One -improper information given to XXXX XXXX of serious delinquency ). I dont have any delinquency on my account and never, its given to XXXX XXXX that I have a serious delinquent accounts and Experian I dont I never had a delinquent account I pay my bills on time why did Experian give delinquent accounts to XXXX XXXX that made them approve me with a low amount instead of a higher amount XXXX XXXX explained to me that Experian gave the reports I dont have delinquency on my account and that is false information
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Attached to this complaint is a Federal Trade Commission Identity Theft Report. The following accounts, public record and credit inquiries listed on my Trans Union, XXXX, XXXX credit report, are not my accounts, public record or credit inquiries : XXXX XXXX XXXX XXXX, {$370.00}, XXXX XXXX XXXX XXXX, {$3700.00}, XXXXXXXX XXXX XXXX XXXX {$2000.00}, XXXX XXXX  Bankruptcy, XX/XX/XXXX, Reference Number : XXXX, XXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-05
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. (TX)

In accordance with the fair credit reporting act XXXX XXXX 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 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (UT)

With our lives ( and livelihood ) dependent on credit reports, the law should require these agencies to be a lot more transparent than they are. Specifically EXPERIAN. I had a breakin where a lot of PII was compromised including drivers lic, SSN, checking and banking info etc. I placed a freeze on all of my credit reports. XXXX was the most easiest, and most helpful. In fact they took my police report and contacted the other bureaus. 

I'm attempting to unfreeze my credit so I can buy a place to live after the break-in. Again, XXXX and XXXX were a 3 minute phone call each. I am now required to mail a request to unfreeze my Experian report because their phone and online systems are circular and not helpful. There should be a requirement to make them be as accessible as the others. My clearance is dependent on my credit report but the govt isn't making this easy to fix!
Consumer complaint received 2020-05-18
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. (GA)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report XXXX XXXX {$1400.00} XXXX XXXX {$770.00} XXXX  XXXX {$2600.00} XXXX XXXX XXXX  {$6400.00} XXXX XXXX  XXXX {$58.00} XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$250.00}
Consumer complaint received 2022-07-05
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)

In accordance with the Fair Credit Reporting act XXXX Account : Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX , Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, Inquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/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 2022-07-05
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. (FL)

In accordance with the Fair Credit Reporting act Convergent Account : Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX , Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/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 2022-07-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (CA)

THIS COMPANY IS CLAIMING I OWE THEM MONEY AND THEY ARE AFFECTING MY CREDIT SCORE. 


I have submitted multiple requests to this company asking them to provide me with a copy of the original document of the debt ; I need to see the information of the so call debt I signed. I requested the documents from this company via XXXX XXXX, CFPB, and XXXX. 

======================================================= I am requesting a DEBT VALIDATION LETTER, The name of the creditor The amount owed That you can dispute the debt That you can request the name and address of the original creditor, if different from the current creditor. 
============================================ tHE CFPB WEBSITE states -- -- > " Warning : Telling a debt collector to stop contacting you does not prevent the debt collector from pursuing other legal ways to collect the debt from you if you owe it, including a lawsuit against you or reporting negative information to a credit reporting company. 

Any debt collector who contacts you claiming you owe payment on a debt is required by law to tell you certain information about the debt. That information includes : The name of the creditor The amount owed That you can dispute the debt That you can request the name and address of the original creditor, if different from the current creditor ''
Consumer complaint received 2022-07-05
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. (NC)

My complaint with Equifax is that XX/XX/XXXX & XXXX XXXX. All three-credit bureaus added to my credit report, XXXX XXXX XXXX Account XXXX XXXX. I disputed this in XXXX of XXXX in which XXXX XXXX XXXX removed this account after their investigation I noticed on XX/XX/XXXX. Proof of deletion is attached. Equifax sent me notification that this account in which I disputed with all three bureaus was verified. Equifax did not do a proper investigation. I know because it was investigated by all three and removed by XXXX that this account cant be accurate. This is in a violation to my rights with the Fair Credit Reporting Act Laws. 15USC 1681a [ 1 ] [ 3 ] Reinvestigation required [ A ], & 15USC 1681s-2 [ 9 ] Duty to provide notice of status as medical information furnisher. & 15USC 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] i, ii. [ B ] I, ii, iii. [ 1-3 ] [ C ]. & 15 USC 1681s-2 [ 8 ] Ability of consumer to dispute information directly with furnisher [ E ] [ 1-4 ].

Along with that issue, I have submitted letters and made phone call in attempt to removed inaccurate inquires off my credit report that are not accurate. These are also in violation of my 15USC 1681 section 602A & 604A. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US DEPARTMENT OF EDU - XX/XX/XXXX In addition, please send me the names. business address and phone numbers of those who made these unauthorized credit inquiries so I may contact them directly.
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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have previously disputed this item with you US Bankruptcy Court- XXXX XXXX Case NumbeXXXX XXXX and in response you verified the item as accurate, stating that you have verified the information with the court. I have contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore, your original response verifying the time with the course was either error or lie. Either way, the reporting requires to not comply with FCRA ( 15 U.S.C 1681I ) and the information must be deleted immediately. 
XXXX XXXX
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 — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

i tired a few times to get this removed of my credit report when its showing closed account.. account number XXXX amount is {$660.00} the company is XXXX XXXX the dates is from XXXX XX/XX/2022 XXXX
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AR)

For months now I can not login to Equifax to look at, and most likely dispute, information in my file. I tried online and they would not let me see anything, I was referred to a toll free number where I sat on hold, and was bounced around for 30 minutes. I got frustrated and hung up, but waited 3 days and called back, to wait 45 minutes this time and keep getting bounced around with no resolution. 

I sat down and wrote a letter politely demanding to see my credit file, included copies/printouts of the front and back of my valid drivers license, and social security card front and back. These were the 2 " big '' items they wanted so I could prove me identity and see my credit file. I waited appx 2 weeks and was mailed a letter from Equifax with a website to login and enter a verification code they proved on the letter. I did all this and still, I was blocked out - not allowed to see my credit file. I can not get them to open up their blocking of my account and I truly need to see my file/info with them because I can think of 2 companies I want to file disputes against if they are on the Equifax credit report. 

I called the same number AGAIN, sat on hold and finally got to hear a human voice. I told him what happened, although I could barely understand his horrible English. He said he had to transfer me to another department, and he put me on hold, which then properly hung-up on me. I was livid, I could not stand it anymore so I didn't call back. I found your office through an internet search and thought I should try to get help. 

I'm only trying to access MY CREDIT FILE, which I've provided more than ample information proving I am who I say I am. 

Please make Equifax get this lined out ASAP. It's been going on for months. No matter what website, form or whatever I use, I am not being allowed to see my credit file witht them, muchless my score. After paying {$29.00} on XXXX, i was able to see scores on all 3 main credit reporting agencies and Equifax is the worst. I know there are errors because they show my credit score as XXXX. No idea what fraud-laziness- or else is going on with them but they need to open my files up to me anytime.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT