davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2021-12-03
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. (GA)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXDate of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX XXXX XXXX XXXX it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-11
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, after I logged in my Citi bank account web portal with my personal credential, it popped up a window, and showed a message, which says if I apply to open a savings account and deposit certain amount of money, then I will get a sign-on bonus. The bonus amount varies depends on the balance. I followed the instruction and applied for a savings account, and transferred {$250000.00} to this account, and maintains the balance for 3 months, which was instructed by the promotion, and I expect {$1000.00} bonus as shown in the original promotional offer. 

On XX/XX/XXXX, I contacted Citi bank representative through their online chat, and they confirmed my eligibility, and told me the " promotional bonus will be credited to your account within 60 days ''. The screenshot of this conversation is attached. 

After 60 days, on XX/XX/XXXX, I haven't received the bonus as promised, so I contacted Citi customer service again, and they told me they will open a case to investigate the missing bonus. On XX/XX/XXXX, they sent me a message and notify me that I am not eligible for this promotion without detailed explanation. 
On XX/XX/XXXX, I contacted Citi again to try to get an explanation, the customer service representative won't explain.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRY COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXDate of inquiry XX/XX/2019
Consumer complaint received 2021-12-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (CA)

This is for a Health Savings Account ( HSA ) with Optum XXXX. On XX/XX/XXXX, at my request, XXXX HSA submitted a Transfer of Assets request ( aka in-service rollover ) to Optum XXXX with instructions to transfer {$7000.00} CASH from Optum to XXXX. The Optum XXXX HSA balance at the time of the request was {$11000.00}. Optum XXXX received the signed instructions from XXXX on XX/XX/XXXX. Optum decided to instead process the request as a closure and proceeded to suspend the account from any further transactions, no claims for medical reimbursements were allowed. I placed a call to Optum on XX/XX/XXXX @ XXXX XXXX and spoke to a customer service representative named XXXX ( case # XXXX ) to inquire about the suspension. Representative advised me they processed the transfer request as a close in error and were looking to reinstate the account and fulfill the original request for transfer. Resolution was to be expected in XXXX business days. On XX/XX/XXXX Optum XXXX closed the account and transferred the full balance of {$11000.00} without my authorization. XXXX has not received the funds. I'm currently still enrolled with my employers HDHP and they have NOT changed the HSA administrator. I called Optum on XX/XX/XXXX @ XXXX XXXX XXXX to inquire on why the account was closed. I spoke to customer service representative XXXX XXXX case # XXXX ) and asked to speak to a supervisor since she was unable to assist or understand why the account was closed. I was instead advised no supervisor was available because they were all in a meeting at the time and I had to call back later or be given a call back. The person advising XXXX of the meeting was named XXXX. I called back to speak to a supervisor on XX/XX/XXXX and was able to get a hold of XXXX XXXX ( case # XXXX ). She was unable to explain the reason for the closure and confirmed that the initial call on XX/XX/XXXX didn't resort in any corrections due to the representative failing to file the needed documentation although she stated she would. Today, XX/XX/XXXX no resolution has been reached and the funds have not been made available to me. XXXX XXXX states it will be resolved in XXXX business days but can't reassure me of it and suggest I call back if not resolved. Also, she was unable to provide me with a mailing tracking number for the check and/or check number. I'm unable to use any of the funds to pay for my family 's medical expenses because Optum shows a XXXX balance nor has XXXX received the funds. If needed I have a copy of the signed Transfer Request form from XXXX showing all instructions of the transfer along with a transaction history from Optum XXXX.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of this listing on my credit reports.Re-inserted illegally, F.C.R.A. violation. 

XXXX XXXX  A Reported : XXXX XXXX, 2021 {$500.00} There are no contracts, no valid claims ... account was settled with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2021-12-08
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2021-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX, XXXX, and Transunion credit agencies have refused to remove accounts on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information from my credit report.
Consumer complaint received 2021-12-08
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. (SC)

Ive reached out to Transunion and XXXX about this high impact inquiry on my credit report from XXXX XXXX XXXX  collections for a cable bill from XXXX not belonging to me but someone received in my name. Ive disputed it and sent dispute letters and its still there. Please help. Thanks in advance!
Consumer complaint received 2022-04-26
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. (TN)

FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I BENEFITED FROM THESE FRAUDULENT ACCOUNTS OR INQUIRIES
Consumer complaint received 2021-09-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/XXXX, American Express received my request for validation and Cease and Desist demand. Since then American Express has not properly responded to my request for Debt Validation pursuant to 15 USC 1692g. Attached down below is my original Cease and Desist demand to American Express which was delivered XX/XX/XXXX. 

Furthermore, American Express violated my Cease and Desist demand and proceeded to sell said alleged debt to XXXX XXXX XXXX XXXX XXXX XXXX Proof is attached below. 

My legal team has stated this is clearly a violation of my Constitutional and Consumer rights. I have already contacted XXXX XXXX XXXX  XXXX and demanded a cease and desist via certified mail tracking # XXXX I have also sent a Fault in Dishonor Notice to CEO of American Express XXXX XXXX for failure of debt validation. Will be sending a default notice very soon if this harassment continues. 

Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums unless XXXX XXXXXXXX XXXX XXXX XXXX wants to inform XXXX XXXX, CONSUMER, that any efforts to collect a debt is terminated and the debt collector, Account XXXX XXXX XXXX XXXX, intends to invoke my remedies.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

XXXX XXXX {$1200.00} XXXX XXXXXXXX {$650.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the XXXX.
Consumer complaint received 2021-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (FL)

I received a letter from " Professional Account Management '' demanding that I pay {$75.00} for a toll violation committed by someone else with a vehicle I do not own. The letter states that if I have the audacity to object to this demand, a judgment will be obtained. The purported basis for this debt is toll violations committed in Virginia on XX/XX/XXXX with a vehicle that purportedly was registered in my name. I sold the vehicle on XX/XX/XXXX and it was sold to another person and registered in Maryland on XX/XX/XXXX. Thus, there is no basis for the purported debt owed. I have tried calling the number provided on the demand letter from " PAM '' but I have never been able to reach an actual person to inform them that they are incorrect.
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (WA)

Multiple fraudulent accounts have been reported to PNC Bank. They state account closure and confirm reporting of fraud. But account remains open, reaching out to the business does nothing to resolve this issue. False promises and the company allowing account creation without basic identity or credit verification.
Consumer complaint received 2022-01-14
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 (FL)

i paid XXXX XXXX XXXX XXXX XXXX XXXX {$940.00}, in payments : ( 1 ) ) XX/XX/21 {$45.00} ( 2 ) XX/XX/21 {$130.00} ( 3 ) XX/XX/21 {$45.00} ( 4 ) XX/XX/21 {$45.00} ( 5 ) XX/XX/21 {$45.00} ( 6 ) XX/XX/21 {$130.00} ( 7 ) XXXX {$45.00} ( 8 ) XXXX {$240.00} XX/XX/21 {$200.00} BANK OF AMERICA, WHICH I FILED SEVERAL DISPUTES WITH REFUSED TOO HELP ME GET MY MONIES BACK FROM XXXX XXXX, EVEN WHEN I PROVED IT TO THEM!!! I WANT YOU TO CALL BANK OF AMERICA XXXXXFRAUD TOO PROVE THAT BANK OF AMERICA REFUSES TOO GIVE ME A REFUND OF {$940.00} THAT XXXX  XXXX TOOK FROM ME!!! I SIGN THIS UNDER THE SEVEREST PENALTIES OF PERJURY TOO PROVE THIS TOO YOU!!!!!!!!!! XXXX XXXX XXXX. PLEASE HELP ME GET MY MONIES BACK, AS I LIVE ON FIXED INCOME.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nebraska XXXX Transunion Credit Services : Submitted a XXXX  Complaint with my XXXX credit card account, opened XX/XX/XXXX, limit {$1800.00}, ending in XXXX. Account was erroneously submitted as being 30 days late. XXXX  complaint # XXXX states that the bank submitted the following response : " XX/XX/XXXX Submitted via XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX Submitted via XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, I am responding to your inquiry we received from the XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I appreciate you bringing this matter to my attention. 

On XX/XX/XXXX, XXXX XXXX  electronically requested all major credit bureaus delete all late payment history regarding your XXXX XXXX XXXX ( r ) account from your personal credit history. 

From your inquiry, I understand the update has not been reflected on your personal credit file as of yet. I have submitted a new electronic request to update this information and attached a copy of the XXXX XXXX XXXX, XXXX  number XXXX illustrating this request. The updates to your personal credit report may take up to 60 days. After this 60-day time frame, please reference AUD number XXXX when contacting the XXXX major credit bureaus. Their contact information is as follows : XXXX XXXX XXXX XXXX Mail Drop XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX Thank you for the opportunity to respond to your concerns. 
________________________________________ I then submitted 4 disputes with transunion regarding this account, each time they responded that the disputed information has been verified as correct, yet it still shows under " derogatory accounts/ accounts with adverse information '' on my credit report with Transunion. It also shows up under " Payment Status '' 30 days late & 30 days past due date. 

XXXX : same story, submitted 2 disputes with XXXX, this still has not been removed from XXXX 's derogatory accounts : " Payment status : '' Not more than two payments past due " Date of first delinquency : '' XX/XX/XXXX XXXX was the only Credit Reporting agency to update this correctly.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (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. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : 1 XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX