davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-24
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. (KY)

I tried to apply for a credit card and received many inquiries. 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 instruction. 
Inquiries : XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2017-08-15
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (SC)

I called Santander and we agreed to a settlement. Upon completion of the settlement on my part they reported to the credit beauru a XXXX dollar balance but they have it showing derogatory on my credit reports. When I have fulfilled my end they did n't report accurately I sent in good will letters to remove late payments and account but had no response
Consumer complaint received 2017-04-28
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. (FL)

Transunion and  XXXX  has reinserted a collections account that was deleted 6 months ago from my credit file. I was not notified that the collection would be reinserted or the reason why. This violation has made m y credit score d rop dramatically.  XXXX   XXXX  is the collection agency and the original creditor is American homes for rent. I have also disputed this collection directly with the  XXXX  credit bureaus and has heard nothing back.
Consumer complaint received 2017-04-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A. (TX)

Citibank has been c hanging dates and moving around transactions to able to collect extra fees. This is serious. And unfortunately for them, I can prove it by proving the time of transactions ( ie   XXXX    transactions that went through because I had cash on my account before they changed the dates of transac tions ).      On  XXXX / XXXX /  XXXX   my account was positive.   On  XXXX / XXXX /  XXXX   a check from Bes t Buy Credit ( still citiba nk ) made me go negative by {$60.00}. There are no ATM branches in  XXXX , TX so I immediately made transfer from another bank account.   In the meantime citibank charged me {$34.00} to reject the check + {$34.00} for going negative. CHARGING ME TWICE A {$34.00} FEE FOR THE SAME REASON!     The transfer hit on the  XXXX , in the morning and my account was positive. Best But retried the {$100.00} check and everything was fine I had a surplus on the account.     On the  XXXX  an additional {$1200.00} was added to my checking account.     Although I was fine in the morning, a few hours later the best buy check had retroactively bounced and the dates on all the transactions had been set forward by a day.     The dates of transactions had been changed and reshuffled to justify additional fees!     Last month the same thing happened and I was reimbursed. But this is too fraudulent by a major bank. I want to sue.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (NJ)

Truist complaint In XXXX I opened a safety deposit box with BB & T bank ( now Truist ) in XXXX XXXX. The same year I returned the keys to the employee and expressed my desire to close the safety deposit box. The employee said they would take care of the issue. The box was never closed and when I asked the bank to close it I was told I needed to return the keys. I explained that I had already given them to the bank employee. Unbeknownst to me the employee had left BB & T bank by that time. Over the years I brought the issue up to multiple managers and employees and kept letting the run around. I was charged {$58.00} every year for said box. Im XXXX ( right before XXXX ) I again spoke with a manager at this branch. The manager agreed to drill the box and if it is empty we can refund your money. When I tried to schedule a time to do this I was told because of Covid it could not be done. At some point BB & T became Truist but nothing changed. I was still being charged and still getting the run around. Finally in XXXX they agreed to stop charging me and refunded me {$58.00} dollars for that year but did not refund for the previous years. This amounted to approximately {$580.00}. When I again inquired I was told they had to send away for records. Nothing was done. Today I spent two hours on the phone with Truist costumer service. They also spoke with the manager at the XXXXXXXX XXXX branch about the issue ( they had recently closed the XXXX branch ). The manager refused to refund the money that was taken from my account. I was told they would not do anything to remedy the situation. I received a letter from XXXX XXXX, Assistant VP for Client Resolutions Truist Bank dated XX/XX/XXXX in regard to the CFPB complaint case number XXXX. In the letter XXXX XXXX states that they are unable to research the matter as they do not keep records of accounts past 10 years. Although she admits in the letter that on XX/XX/XXXX I visited the branch in regard to the matter and still nothing was resolved. Here she freely admits that nothing was done at least as far back as XXXX. Any refund was flatly denied by Truist even with the knowledge that there was an issue due to their employees negligence.
Consumer complaint received 2017-08-15
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. (TN)

problem : all of the above. failure to remove slander ( via fcra part 209 ) failure to update accounts correctly ( actual debt owed in some circumstances misreported by extortionist debt collectors when settlement is active ) failure to respond and remove " debts '' after 30 days has expired, ( XXXX, XXXX especially ) when creditors have not replied in fact to complaints. allowing creditors such as XXXX XXXX to report things when they are in violation of other laws such as the cardholder agreement ( refusal to reissue cards and remove fraudulent transactions ) and consumers right to settle debts with 3rd parties ( some of which are not involved because creditor refuses to use them-XXXX XXXX, XXXX, XXXX/XXXX ). showing outdated debts ( 10 years back ) and refusing to remove them. failure to respond to legal notices sent certified mail to all 3 bureaus. refusing certified mail. failure to acknowledge reciept via certified mail of personal information ( " required '' to update the database ) to unlock files repeated demands to " verify '' consumer according to fraudulent data in files repeated " verification '' sent back to me when there are no changes to the file, or changes are removed. in fact no means of challenging debts were sent back to me as required by law. posting information from unknown sources and not from XXXX co courthouse about illegal eviction when complex remains on fire and landlord from ohio was summoned ( extortion and retailiation, both illegal ). refusal to sync accounts with other bureaus data as per deletions. refusal online or otherwise to allow access and correct files and/or report fraud, yet freezes files wo consumer consent. If consumer wants to freeze files, its a nightmare.
Consumer complaint received 2024-09-18
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. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2017-08-15
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: Stellar Recovery, Inc. (GA)

This bill with XXXX XXXX was reinstated on my credit report XX/XX/XXXX. I have proof it was not on my report before. It had been removed several years ago. After it was removed it was sold twice. Stellar recovery is now reporting it as XXXX, I disputed the original amount when on report. It was XXXX. I had turned in equipment and they never fixed balance. XXXX is ignoring this as I have credit report from them in XX/XX/XXXX and this is not on my report. I 'm attaching all evidence. They are not investigating and are just closing case.
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute a situation with  XXXX   XXXX   XXXX   XXXX . They are reporting a negative home equity line of credit account to the credit bureaus of Transunion and  XXXX . It is past t he seven years  that this item should stay on the reports and it should now be removed, however, they are incorrectly reporting it for a longer period of time.     There has been very strange activity with this  XXXX   XXXX   XXXX   XXXX  account. I am disputing items and requesting written documentation from  XXXX   XXXX  documenting all payments made from  XXXX  to  XXXX  as well as multiple consistent 120 day late entries from  XXXX  to  XXXX . I have made no payments whatsoever past  XXXX  yet it shows payments resurfaced and also made consistently, with latenesses, occurring in  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX . Actual pictures of the check or money order used to make the payments are being requested.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I reviewed a copy of my credit report and it has come to my attention that TRANSUNION, XXXX and XXXX has violated my rights. XXXX ran an unauthorized credit report on me on XX/XX/XXXX from XXXX XXXX, XX/XX/XXXX from XXXXXXXX XXXX XXXX XX/XX/XXXX from XXXX, and XX/XX/XXXX from XXXX XXXXXXXX XXXX  XXXX ran an unauthorized credit report on me on XX/XX/XXXX Creditor name XXXX XXXX XXXXXX/XX/XXXX from XXXX XXXX, XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX from XXXX, and XX/XX/XXXX from XXXX XXXX XXXX XXXX. And TRANSUNION ran an unauthorized credit report on me on XX/XX/XXXX Creditor name XXXX XXXX XXXX XXXXXX/XX/XXXX from XXXX, XX/XX/XXXX from XXXXXXXX XXXX XXXXXX/XX/XXXX from XXXX XXXXXXXX and XXXX XXXX. 

Inaccurate information on my consumer credit report Addresses, Names, Phone numbers off my report as they are not deliverable to me by the US post office, and they are not reportable as per the FCRA 15 USC 1681e ( b ) since they are inaccurate. 

I did not authorize such an inquiry and demand that you contact TRANSUNION, XXXX and TRANSUNION also I contact TRANSUNION, XXXX and TRANSUNION in writing to update and correct my personal information on file with your company. 

In accordance with the fair credit reporting act, TRANSUNION, XXXX and TRANSUNION. they have not ubdated my information yet, they has violated my rights. 

-15 USC 1681e ( b ) - ( Accuracy of report ). Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

-15 USC 1681 section 602 A. States I have the right to privacy.

-15 USC 1681 section 604 A SECTION 2 : it also states a customer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : a creditor may NOT treat a payment on a credit card account under an open end consumer plan as late for any purpose.

15 USC 1681e ( b ) - ( Accuracy of report ). Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2017-04-28
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (WI)

I opene d a BMO Harris Money Market accou nt on  XXXX   XXXX ,  XXXX . I was to receive a bonus of {$200.00} for keeping {$10000.00} in the account for 90 days. This bonus was to be paid within 120 days of account opening. I met the bonus requirements. As of today,  XXXX   XXXX ,  XXXX  I have not received the bonus. The bonus was to be paid by  XXXX   XXXX ,  XXXX . I contacted the company via secure message on their website on  XXXX   XXXX ,  XXXX , inquiring about when I will receive my bonus. This was their response : " Please know that the marketing team reviews accounts after they have been open for 120 days. If you have fulfilled the new account bonus requirements, they will typically deposit the new account bonus withi n ten busine ss days. Due to the high demand for the new account bonus, the marketing team has been running  two to three weeks behind  schedule. If you can provide us with the new account bonus code utilized when you opened your account, we will be glad to escalate your account to the marketing team for review. I hope that this information is helpful and do apologize for any confusion or inconvenience. ''
Consumer complaint received 2017-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (LA)

I went to make a purchase for approx  XXXX  fro   XXXX   and I received a text message for verification. I responded with yes and I was told I had to call. I called and verified all of my information only to be told they still declined my card and If I wanted to use the card I would have to stay on the phone while I was making the transaction. I asked why did I have to do that and they said it was to  protect Chase.  I asked them why do I pay a yearly fee of  XXXX  to  XXXX  if I cant use the card at will. I was placed on hold for ov er 35 minutes only yo keep getting transferred. The CRS representative even referenced that a type of   purchase my have been because of my culture referring to me being of  XXXX   XXXX  decent. I asked to speak to manager and the manger was no help at all. I had to end up spending more money to get the same items and it was a difference of  XXXX . I thin k Chase should a t least credit my account for the yearly service for all of the inconvenien ce and racial under tones.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have marvelous been improving my credit score over XXXX past in six months, only to find out that I have been screaming to remove XXXX XXXX  vehicle loan on a XXXX XXXX XXXX, from a head-on accident in XXXX, no fault of mines! XXXX XXXX paid out covering me till defendant paid! But, Gap company breached contract never paid, but XXXX contacted me for a settlement program followed my half-payment as settled but, never mailed me out the 1099-C form for my taxes, they have recorded but has denied me access for some time, violating my rights! I'm requesting a full deletion of the charge off, removed from the following : TransUnion, XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX and XXXX and requesting compensation for all the high interest rates of 26 % and principal balances plus 2 cars XXXX XXXX XXXX, XXXX that broke down in 6months ( stoped running ) and 2nd vehicles XXXX XXXX XXXX, same thg ( discontinued in the USA ) brokes down daily as a result of the charge-off causing me heartache, headache and definitely lose of income struggling to pay bills. I have spent hours on the phone w XXXXXXXX XXXX esp this pass Monday XX/XX/XXXX while a the dealership trying to purchase a new car again within the last 2yrs, as a result of higher interest rates and lower credit score @ I have the internal setup within the XXXX banking System causes lazy employees not to serve the general public in a way that helps to be successful! Several ppl, working on their Credit Specialty team, XXXX Special Team, Total Loss team, Bankruptcy team, they love transfer my calls around and around in circles.
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RSH & Associates, LLC (MO)

I noticed that my credit score had dropped dramatically on XXXX XXXX so I got credit report and discovered that RSH & ASSOCIATES LLC had, posted a collection to my credit history report so I called XXXX to see what this was and I was informed by an employee named XXXX XXXX that this was my wife 's debt and that I was responsible for debt because we were married and I informed him that I had not signed for any of the services of XXXX XXXX XXXX XXXX XXXX XXXX and that I was not present the day services we rendered, he said that they were not going to remove. So I contacted XXXX and filed a dispute and called CFPB on X/XX/2017 and was informed that I was correct, that this collection agency can not attach this to my bureau just because I 'm married and that I needed to file a compliant to keep them from doing this again. I want this company to remove all collection reports that they have file against my credit history with any reporting agency or I might take legal action. Thank You!! XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ks. XXXX Ph. # XXXX Original Creditor XXXX XXXX XXXX or XXXX XXXX Mo. Dollar amount {$830.00} past due as of XXXX 2017
Consumer complaint received 2017-08-15
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. (FL)

I checked my personal credit reports and I noticed unauthorized inquiries had been made. I contacted the companies who conducted the inquiry to advise them that I did not authorize the inquiry and asked them to remove their credit inquiry from my credit profile but to no avail. XXXX : XXXX XXXX Fl - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX - XXXX XXXX, Fl XXXX XXXX XXXX - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX - XXXX, Ne XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX - XXXX XXXX, Ia XXXX XXXX : XXXX XXXX XXXX - XXXX/XXXX/XXXX - XXXX XXXX, Ia XXXX XXXX XXXX - XXXX/XXXX/XXXX - XXXX XXXX, Mn, XXXX
Consumer complaint received 2017-08-15
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. (GA)

XXXX XXXX is reporting a debt that I do not owe. I have reached out to the company to dispute the charges but I have not received a response back from management. XXXX XXXX is reporting a debt of over {$300.00} for services that were never rendered. I asked XXXX XXXX for a itemized bill which is within my rights according to the FCRA. They have failed submit a detailed bill. They are also reporting the bill on my credit report but I had a prepay service with the company. They never gave me any line credit and they are reporting it on my credit report as so.
Consumer complaint received 2017-08-14
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. (FL)

I am filing a formal complaint against XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX NV ). I recently went to purchase a vehicle and the dealer XXXX XXXX ( XXXX, FL ) ran my credit and informed me that the above creditor stated that I had an account with them and reported to the Credit Bureaus that it was in collection. Because of this, my dad had to co-sign my loan and pay a higher interest rate because this reported collection impacted my credit score to the point that I could not obtain credit in my name. I contacted this company on two occasions and found that neither parties are associated with the above company ( XXXX XXXX XXXX ) and XXXX reviews shows it is a scam company. I contacted Equifax and they researched the information and stated that they would not remove it. I have never had credit with the above company and it is apparent that Equifax is also not assisting me. My complain is that the creditor ( XXXX XXXX XXXX ) and Equifax are reporting mis-information and are failing to act on my behalf which has cost me additional interest on my loan and impairs my ability to get credit lended to me in the future.
Consumer complaint received 2017-08-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

Subj : Lost wire to Coinbase, Inc. via XXXX XXXX XXXX I initiated a {$15000.00} wire to my Coinbase account on XX/XX/XXXX XXXX through my XXXX XXXX account. No verifiable response was given from Coinbase as of XXXX/XXXX/17. I 've initiated an inquiry from my bank, but nothing is guaranteed and would like to further the process along with this complaint due to what I 've been reading on the blogs regarding multiple other customers having same issue. I followed this link from one of the blogs ... .help!