davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-10
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. (TX)

I have a judgement from XXXX XXXX XXXX in XXXX XXXX, Tx, which i have never done any business with such apartments. I have never lived in this apartments or co-signed for anyone. I went to the municipal court and pull out the judgement, which pertains to a " XXXX XXXX ''. I was never served for this judgement, i had no idea it was there until my background check was done from a Company i applied with. This Judgement in preventing me from getting hired. I need this removed from the BBB as soon as possible. <P/>Your attention to this matter will be greatly appreciated. <P/>XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-27
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. (PA)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2017-11-04
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: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX, {$8.00} was charged to my Chase account for a recurring monthly XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX ) which was terminated by the club and chase inXX/XX/XXXX. I contacted Chase to advise them that I disputed that charge by telephone and letter. My account was credited for the full disputed amount. I have again received a bill from Chase for the exact same amount dated XX/XX/XXXX.
Consumer complaint received 2019-08-07
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. (NC)

Equifax ; XXXX and XXXX are reporting incorrectly a charge-off on the XXXX SB partial account number XXXX. ( Please see page 12 of the attached credit report. ) I have suffered from short term XXXX XXXX due to an XXXX during combat and I dont recall signing any sort of agreement to open this account. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2017-06-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have notified all  XXXX  credit reporting agencies asking for verification of Chapter  XXXX  Bankruptcy reported. I have contacted my local Bankruptc  y Court. The Bankruptcy Court stated, " they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. '' It is the credit reporting agencies, and /or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court systems due to the Fair Credit Reporting Agency Privacy Law.
On   XXXX   XXXX  , 2017, I sent certified letters to the Experian,   XXXX   and   XXXX   asking for documentation of validation associated with the bankruptcy.     To date, I have not received a response from any of the reporting agencies. Additionally, the reporting agencies have not indicated that the bankruptcy is in dispute.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

Citi credit card support was to fix recurring transactions on the credit card that were fraud, There were unable to fix this issue so they said they needed to send me a new credit card. 

They promised they would " check a box '' so the fraud amounts/vendors couldn't again charge my card. 

I got my new card, changed my cc with all the vendors and the old fraud charges kept coming. 

After that they said I had to cancel my account. To cancel account they sent me email with cancel terms. I didn't accept these terms bc I would lose my costco credit. Support promised me this wouldn't be the case and management team and support at citi credit card said I would still get my costco credit. Now citi won't send me my costco credit. 

I want my $ XXXX back in terms of fraud amounts and costco credits. 

Their support is not trained, lied to me several times and is very unethical business. 

Do not trust these banks and credit cards and what they tell you on the phone. Plus they forced me to sign an agreement to cancel card which in effect cancelled my other services promised to me. That's the only way I could get the hundreds of dollars in recurring fees from happening. Citi, like most other banks don't listen and don't help the average consumer. I only own XXXX credit cards, both with Citi for the last XXXX years. I've given them over $ XXXX in credit card transactions through my personal and business accounts. I'll never do business with Citi again after this. All of this over {$2500.00} in charges. What a waste of time and energy to have to change my credit card with vendors XXXX  times now in the last XXXX months with no resolution to this issue.
Consumer complaint received 2017-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On  XXXX   XXXX ,  2017  I deposited  XXXX  United Sta tes Postal Money Orders into  my bank of america checking account via ATM.   XXXX  The total deposit amount was {$2200.00}.   XXXX  bank of america has placed an illegal 10 day hold on my deposit, citing the money orders need to be verified with the issuing instituti on. ( The US Treasury? ) I have contacted bank of america and spoke with 2 different representatives, one being a c all center supervisor.   XXXX  I need help in resolving this issue and prevent the illegal actions of bank of america.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

dear Equifax this is a self-attestation that I am victim of XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX XXXX. These fraudulent accounts consist of a an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-27
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. (DE)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # XXXX. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Central Holdings, LLC (AL)

IVE COMPLAINED ABOUT THE INACCURATE INFORMATION ON MY CREDIT REPORT TWICE. THIS COMPANY IS TRYING TO DAMAGE MY CREDIT. THEY HAVE TO BE STOPPED MY LATEST ALERT RECEIVED ON  XXXX   XXXX   XXXX  (   XXXX    ).    XXXX   1. AN  ACCOUNT PROVIDER REPORTS THAT WHEN YOU FILED FOR BANKRUPTCY AND LISTED THIS ACCOUNT AS  XXXX  OF THE ONES YOU COULD NOT  PAY. ( FALSE ) 2.DELINQUENT  ACCOUNT CREDIT  CENTRAL REPOR TED THAT YOU DID NOT PAY THEM ON TIME  XXXX , THIS COMPANY IS DELIBERATELY REPORTING INACCURATE INFORMATION..
Consumer complaint received 2017-06-10
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. (TX)

It 's been well over a year now, and I 'm still battling with  XXXX  and Experian to review my statements and remove the remaining collection accounts. After reading their website, the FTC internet site, and justice departments website I gained the instructions to fix your credit when identity theft happens. All required documents have been submitted, and these companies wo n't comply. This is my second complaint against them. I know deep down that they are Intentionally keeping these accounts on my reports and other Americans so they can continue to collect monthly reporting premiums from the collection agencies. Why else would they review my documents and completely ignore them? Every time I call there is a person with a thick accent that is trying to sell me credit monitoring!! All they care about is money, and th e CEO 's and leaders of these companies should be ashamed of themselves. These collections are   keeping me from moving forward on some life goals so my family can have a nicer school to attend. Thank you CFPB for being here for us.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2019-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (IL)

On XX/XX/2019 my secured credit card was closed unknowingly to my knowledge. My credit card was only behind 2 months. This is a card that I use for everything that a credit card is required for. I was without a job and I called them last month in XXXX and informed them that I am aware that my payment is behind but I have great news I am starting a job soon and will be able to pay my card bill. My secured credit card amount is only {$400.00} and they closed my account after 2 months of missed payment. My card is with Citibank XXXX XXXX XXXX Credit Card. Note, XXXX also accepted my payment and I was not aware that they closed my account. I think that this is unfair and I really need this card. I am trying to maintain my credit and this sets my credit back, big time! Could you please help me with this.
Consumer complaint received 2019-08-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NC)

I paid off my lease in XXXX of 2017. At that time I faxed the odometer reading and bill of sale. I contacted them a few months later and they indicted they never received either so I faxed them again. Since then, I honestly didn't think about it until the beginning of this year as I am looking to purchase a new car. I contacted Kia Finance at the beginning of this year and they indicated they received an odometer reading but not a bill of sale. Since my initial call this year, I have sent them both the odometer reading and bill of sale 4 times. The first 2 were regular mail, the third was 2 day priority and the 4th was certified mail and returned with a signature. I have called numerous times and each time, they indicate they haven't received the bill of sale and can't release my title. I have begged them for help asking if I can send to someone directly that can be accountable for getting it processed, they indicated no. I asked to talk to the title department and customer said they didn't even have a phone number or contact in the title department that they could only contact them through their internal communication system. I even asked who their CEO was so I could contact them directly and customer service told me they weren't allowed to give out that information. This has effected me both emotionally and financially. I missed out on end of month deals on other cars because I did not have my title. I have cried out of frustration while on the phone with customer service reps. There is no option other than to keep resending the same information hoping that someone will do the right thing.
Consumer complaint received 2017-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

My information was used to obtain an apartment, cell phone, and an auto loan with my ex-husband. I am a victim of identity theft and have put this off for too long. I 've completed the pro per steps, 1. notify creditors 2. police report 3. inform ed the state of Texas. The individual I 've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.  XXXX  sold this fraud collection to enhanced recovery after my fraud claim and case with diversified funding. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX, TransUnion, and XXXX continue submitting a collection of {$360.00} from XXXX XXXX XXXX. The amount is inaccurate. I had been overcharged from an insurance company, " XXXX XXXX ''. XXXX  XXXX is pay by the mile insurance through an app. They refused to accept my mileage photo, claiming it was a fake picture. They also would not cover specific damages on my car until I filed a complaint against them. And I canceled my insurance policy. They are also trying to charge me for miles I used while out of state. It is against their policy, which claimed the insurance is not active while out of state. I had been overcharged for miles, and I refused to pay for miles I did not use. This company is a scam. They still try to charge for miles even while you are in someone else 's vehicle, or a rental car with paid insurance, despite informing them you are not driving. It is based off of an app. The photo I sent was also accurate, they had no reason to accuse me of lying. I canceled my insurance policy and now pay a monthly premium. They sent me to collections, and once again I refuse to pay for miles I did not drive.
Consumer complaint received 2024-07-17
Product: Credit 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 (GA)

I was notified on XX/XX/year> from Bank of America that my credit card account was being closed. I was surprised by the notice as I had not used the card in approximately XXXX years. I subsequently learned that a fraudulent charge had been made on my card for {$30.00}. I also learned that Bank of America was showing that the charge was made in XXXX of XXXX. Despite this fact, I had never received any statements evidencing of the charge, including any notices explaining that my account was going to be closed. My account required that paper statements were to be sent to me, but none were received. The notice I received of my account closure was by email. I immediately called Bank of America after receiving the email to dispute the claim, but the bank asserted that I was just outside the 90 day window to file the dispute. Additionally, Bank of America marked my account as delinquent and sent notices to the credit agencies causing my credit score to drop from XXXX to XXXX in the matter of 30 days. I called the bank and explained that the charges were not mine and that even if they didn't reverse the charges, which I was willing to pay, I needed the delinquency notice to be dropped. Despite numerous phone calls made to the bank, BofA refused to change the status of my account claiming that no bank error was committed. I have been a credit card customer of the bank for over 15 years and have not used the card in years and I don't feel that BofA sent me proper notice nor do I feel that I was delinquent on charges that I did not authorize. I am seeking help from CFPB to have these delinquent notices dropped to restore my credit.
Consumer complaint received 2024-08-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PNC Bank N.A. (VA)

I have been customer at PNC since XXXX I have received a car loan in XXXX and a home loan in XXXX having much less income. I have a savings and checking and line of credit with them. I applied for credit and an XXXX XXXX with them on XX/XX/XXXX. According to XXXX, XXXX of the credit bureaus, I have a high XXXX score and are sending me emails that I should get more credit and credit cards. I make almost double the income I did in XXXX. 

I got married last month. The XXXX XXXX at the XXXX, VA Office completed an application for the loan for first both of us on XX/XX/XXXX. She called us and stated it was denied. Gave no reason. She asked if I wanted to apply myself and for a credit card which she and others at PNC have been pushing me on lately. XXXX hours later I receive XXXX completely vague, generic emails stating I was denied. I called the Branch Manager immediately to find out why. She stated she did know why and you will find out in XXXX days by mail. In the mean time but she was setting an appointment by phone on XX/XX/XXXX at XXXX to discuss. 

In the meantime, XXXX keeps sending me emails regarding how good my credit is. I forward them to the PNC Manager. No responses from her. 

At XX/XX/XXXX on XXXX she did not call me on the appointment she set up. I emailed her to let her know how unprofessional that is. I have not received anything in the mail actually explaining why my loan and credit card was denied and XX/XX/XXXX was the XXXX mail day. 

PNC has disrespected this long term customer and hurt my credit as well as my wifes. I believe they have discriminated against me due to my age as well as my interracial marriage.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2019-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: VALLEY NATIONAL BANCORP (NJ)

I deposited a large check in the Valley National Bank branch office in  XXXX on XX/XX/XXXX but no one there could tell me when the check clears! I then went to the XXXX branch! Same answer! I called both branches and the XXXX branch on XX/XX/XXXX! Same answer! 

What kind of banking is this? 

Outrageous! 

I have an absolute right to the answer!