davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
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)

Ive reviewed my credit report and noticed the following inaccurate item ( s ) : Inaccurate Reporting- I have notice multiple addresses on my credit report that are incorrect like the following ( XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX Address ID # XXXX ) ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX NY, XXXX XXXX ID # XXXX ) ( XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NY, XXXX Address ID XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Address ID # XXXX XXXX ( XXXX XXXX XXXX # XXXX XXXX NY, XXXX Address ID # XXXX XXXX All of the addresses listed above are spell incorrectly and missing information. I am requesting that any and all addresses that do not match the information on my state issued ID be removed from my credit report to ensure maximum accuracy of my report. Thank you. A copy of my photo ID and a insurance document have also been attached to this dispute to be used for verification purposes.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SIMMONS FIRST NATIONAL CORPORATION (MO)

My account was closed due to a computer/bank error, causing my benefits to be returned ( that I still have not received ) and did nothing to rectify the issue. They should have seen the issue the computer caused and re open my account. Or, at least notified me in a timely manner to fixed the problem. 

XXXX called Simmons Bank because I had not received direct deposit of my XXXX XXXX XXXX XXXX 
Told to call collections, my account had been closed and turn over to that department. 
XXXX collections, but they could no provide any valuable information about the collection account. Had not received any information on the account information. 
XXXX bank customer service to see if they could assist me any further. 
XXXX went in person to the main branch location ( XXXX XXXX XXXX, XXXX Mo XXXX XXXX. I spoke with ( XXXX XXXX XXXX XXXX XXXX ) about why my checking account has been closed. She informed me she would do some looking into it and get back to me. 
XXXX I called Simmons Bank XXXX XXXX ) XXXX. ( XXXX XXXX XXXX XXXX XXXX ) no answer. 
XXXX called Simmons Bank XXXX XXXX XXXX XXXX XXXX she was still working to find out why account closed. 
XXXXXXXX XXXX called me back to explain account was permanently closed on XX/XX/year>, due to bank/computer error that could not be reversed. 
At that time, I had not received any letter with any bank error details or closing of my account. 
XXXX received a letter dated XX/XX/year> stating I needed to bring account to a positive balance. Nothing about my account being closed. 
XXXX received a letter dated XX/XX/year> from XXXX XXXX XXXX about the collection of the account. 
XXXX I still have not received a letter from Simmons Bank in reference to closing the account.
Consumer complaint received 2023-05-03
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. (TN)

From XXXX until now I have contacted TransUnion informing them in certified letters ( see several attachments ) of inaccurate and incomplete information that they have continued to list on my TransUnion credit report. Despite my letters and information from the original creditor that contradicts them, TransUnion has refused to correct their errors and has only responded with saying the incorrect information has been " verified ''. The incorrect information as of XX/XX/XXXX is : XXXX. This account is still reporting both the Balance and Amount Past Due of {$15000.00} even after it has been discharged by XXXX with the issue of a 1099C ( see attachment ), neither of these items should be on the report, XXXX. This account continues to not post my Notice of Dispute despite my multiple dispute letters challenging this account ( see letter attached ). This is a violation entitling me to at least {$1000.00}, XXXX. This account is missing all the positive Payment History from XX/XX/XXXX to XX/XX/XXXX, XXXX. This account is not reporting the Date of Last Activity and not reporting the Date Closed ( see letter attached ), XXXX. Without those dates, the Drop Off Date is incorrect.
Consumer complaint received 2024-11-19
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. (FL)

I have contacted the three bureaus regarding fraudulent accounts reporting on my credit, but still some items are remaining on my credit, I would like to pursue my complaints since I am not getting the results I need. The accounts are as follows : 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 2024-11-19
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. (IL)

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Relay Financial (US), Corp. (WY)

Hello, I had a business bank account under my company 's name, XXXX XXXX XXXX, with a financial technology company named Relay Financial, they were providing banking services by their partner bank at that time " XXXX XXXX XXXX XXXX '', things were working good for about 3 months, then I wake up one day, precisely XX/XX/2022, I receive a message that they closed my account for an unknown reason as per them and they said they can't provide details, I asked them if there are any legal contracts or invoices needed, they ignored me, then they said they will send me a disbursement for my funds the full remaining amount of {$37000.00} within 10 days, then they changed their word and said 60 days, then I called them and they said that they are trying to get the money from their partner bank but they still can't, I called XXXX XXXX XXXX XXXXXXXX and they said that the money is being held with Relay Financial and I believe XXXX XXXX XXXX XXXXXXXX, cause I saw many cases for many Financial technology services companies sending disbursements for people while their partner bank was XXXXXXXX XXXX XXXX XXXXXXXX, 120 days passed, I keep calling Relay Financial and they never reply, they never reply emails, calls or anything, a lot of people on trusted websites like XXXX are suffering from the same problem and they never reply anybody, kindly help me to get my money back cause this is called nothing but FRAUD & SCAM! 

I have all proofs on emails documented if any screenshots needed.
Consumer complaint received 2024-08-12
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. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-04-03
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: EQUIFAX, INC. (CO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-06-12
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. (IN)

On XX/XX/XXXX and again on XX/XX/XXXX all 3 Credit Agencies are refusing to provide me a paper copy of my credit report. All 3 agencies have been notified by me personally that I want my free credit report so I can have false information permanently removed. 
Credit attorneys in XXXX and the entire state of Indiana have refused to assist me even after I have filed complaints with the State Attorney General and the XXXX  XXXX XXXX. I am being forced as a single dad of a special needs son to suffer and try and hire an attorney from Florida because no one in this country does their job properly.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been working on my TransUnion credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( 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 2023-05-03
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian will not remove my negative XXXX XXXX XXXX account from my credit report. All other agencies have but I continue to get denied for credit due to this inaccurate reporting. I paid the balance in full to the lender and they agreed to remove it from my report but have not.
Consumer complaint received 2023-04-03
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. (CA)

I am writing this complaint to EXPERIAN I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2023-04-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (CT)

On XX/XX/2023 I was contacted by a mortgage agent XXXX XXXX  XXXX ) at Citibank who offered me a mortgage on my investment condo in Florida. After extensive questioning me he said I qualified for a {$250000.00} mortgage. I sent Citibank a deposit including money for an appraisal. After two months and hours to supply their requested documentation which supported everything I had told the agent are still suddenly requesting additional documents which are redundant to information already supplied. 
This is now the third month since my application and they now say I only qualify for {$160000.00}. I now feel that I have been scammed.
Consumer complaint received 2023-04-04
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: Bridgecrest Acceptance Corporation (CA)

I am requesting this document because I do not believe this repossession should be reported on my credit report and that it is reporting inaccurately. 
BRIDGECREST XXXX Balance : {$10000.00}
Consumer complaint received 2022-09-15
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Advanced Portfolio Group LLC (FL)

A XXXX XXXX impersonating as a government official threats to serve me legal papwrwork has contacted myself, my siblings, mother and uncle regarding a debt. In the voicemail they advise to contact XXXX, I spoke to XXXX she refused to send me paperwork from original debt and I also advised her payment had been paid to another company regarding the same account number. I provided her with the phone number and name of the account manager for the company I paid the debt to and requested they make no further contact with me or my family. XXXX still continues to have XXXX XXXX leave concerning voicemails on relatives phone
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

XX/XX/2020 XXXX XXXX closed my account at the end of XXXX ( around the XXXX ). Today is XX/XX/XXXX. They also have someone else 's name and card on my online profile when i logged in. Very little has changed to my credit other than it improving since taking out the card I do have with them. They are refusing to reinstate my credit card. The fraud department is looking into the rest of the issues surrounding the card number which does not belong to me. I feel I have been wrongfully discriminated against in their closing of MY credit card account. The account was current, paid on time and in some cases a higher than minimum payment was made on a monthly basis. Two other credit cards ( other companies ) i have are paid in full now with zero balances. My debt to income ratios have improved not declined. They have stated they can only reinstate accounts within a 24hr time period. No calls were made to me notifying me of this decision. How could it EVER be accomplished in that 24hr window? This is biased cancellation of accounts in my opinion ; definitely not enough time for a consumer to react to incorrect reporting and decision making. They removed the fraudulent information attached to my profile, but refused to reinstate the card that was mine and in good standing.
Consumer complaint received 2023-04-03
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. (NJ)

There many inaccuracies on my account report. I reached out to the credit bureaus and also had XXXX XXXX reach out but inaccuracies remain. Attached are two different credit reports from two different companies that show inaccurate reporting.
Consumer complaint received 2024-11-19
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. (VA)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX  ( account number XXXX ). In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-09-05
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NV)

Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX My family and I rented a apartment here. Every month the rent went up three months after they changed mangermen. I would ask why and they would get mad and on more charges. On XX/XX/XXXX we try to pay our rent. They would except the the rent because I ask about the extra charges that I would not pay XXXX  So the put a eviction notice on my door the next to week. Every other day a eviction notice and started harrissing me. So I move out left the apartment in good shape. I let them know I was moving. I turned in keys. I could not keep paying different amount each month and when you ask they get offended. I have proof of the information. Next XXXX on my credit report in two months no paperwork at all. When I ask and turn me into a credit agency also all within twos months. They just sent paperwork when I complained. The charges is ridiculous. I just received paperwork XXXXXX/XX/XXXX. We are serior citizens. And they also did the XXXX XXXX XXXX.witch is being investigated.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have a Alaska visa credit card thru bank of America. I had this card since last Year. I made the 1st payment in full which was {$2300.00} and I thought I set up Auto pay to make the next payment but the Auto pay wasn't set up correctly. When I found out that my account was past due I right away called the bank and ask him to give a payoff the account. The customer service said because my account was past due they have blocked the card. I told her that was ok but I need the payoff. She kept me on hold for about a minute and came back and said if you want to payoff the account it's {$210.00} dollars. I made the payment right away. Yesterday I went to my bank of America account to check my balance and saw the credit card was past due. I called today to talk to customer service to see why my account was passed due. She said the customer service gave me the wrong payoff so I had to pay all the late fees, interest and additional {$150.00}. I told her I will not pay that because I was given a wrong payoff and also ruined my credit because they have reported on my credit. She refused to help me and took no accountability for what they have done and hang up the phone on me. I need help because the bank is not welling to work with me.
Consumer complaint received 2023-05-03
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: Block, Inc. (TX)

My card was charged by cashapp without my permission. I asked about the charge and they mentioned that it was money from a month ago charged by XXXX, however it was not XXXX, it was illegally removed from my account. No record of anything they are saying. They just took out XXXX dollars and they are continuing to take more, little by little.