davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (AZ)

My employer 's payroll company is XXXX - XXXX provided information on a bank and checking company XXXX  by XXXX that included benefits with direct deposit. I opened an account with XXXX. I was told by XXXX  representatives that cash deposits could be made via XXXX XXXX. On XX/XX/2021, I pulled my balance from my usual bank XXXX XXXX since I was now planning on banking with XXXX  and attempted to deposit {$3200.00} cash to my XXXX  account card - the store was unable to deposit the cash to my card but was able to deposit to my checking account which I later learned was through Fifth Third Bank. The cash was never deposited to my card nor has been deposited to my checking account. 

I've contacted XXXX  who informed me I needed to cancel the transaction as it should have gone to my card and not to my checking account. I cancelled the transaction with XXXX XXXX who confirmed the funds were delivered to the bank on XX/XX/2021. 

XXXX XXXX can not reimburse me my money until Fifth Third Bank responds and refunds the money. I've been following up with XXXX XXXX daily and Fifth Third Bank has not responded to requests to reimbursement. I contacted XXXX and have been communicating with XXXX XXXX - XXXX XXXX XXXX XXXX XXXX but she has not been able to provide me with a contact number for XXXX XXXX to call and verify nor has she been able to provide any other information other than she's asked her accounting department to contact XXXX XXXX. I called and emailed again today and no response at all. XXXX 's number is ( XXXX ) XXXX - email address : XXXX. 

I sent XXXX with XXXX  and XXXX  proof of the XX/XX/2021 {$3200.00} XXXX XXXX deposit to my account - again that deposit was made and sent to Fifth Third Bank on XX/XX/2021 and it has not posted to my card nor has the cash been deposited to my checking account nor has it been reimbursed to XXXX XXXX. I've explained to XXXX  multiple times I need the money to post to my account or be reimbursed as I need to make my mortgage and household expenses - it's been 2 weeks since the deposit and I have no idea where my {$3200.00} cash is.
Consumer complaint received 2021-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The three Bureaus continue to report medical accounts and have not yet provided me with any proof with my signature that shows this is an account I should be liable for. Please assist with removing this as I will seek legal advice.
Consumer complaint received 2021-01-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

To whom this may concern, There are inconsistencies on my credit report from debt collector XXXX XXXX XXXX The follow XXXX is showing account as open while XXXX & Experian are showing account closed. This does not meet Fcra requirements as stated in transunion remarks & they are inaccurate.
Consumer complaint received 2021-01-21
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. (MI)

Checking my credit report today and I noticed some accounts open that Im not aware of as you know posting anything on my report without my consent is against the Fair Credit Reporting Act and it should be removed immediately I have a Ftc report attached for more details. I just wan na better myself in life dont put all this stress on me.
Consumer complaint received 2021-01-21
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. (OH)

I am currently in battle with a collection agency XXXX XXXX they trying to collect XXXX for an online school I was released from after I found out they lied about the schools accreditation and I found out because of that I will not be able to get a job.
Consumer complaint received 2021-01-21
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 (IL)

A negative balance was incurred on the credit card ( i.e. XXXX took money from my checking account and drove the credit card balance below zero, in effect overpaying off the credit card by an amount of XXXX. Then a service charge was unexpectedly incurred, effectively taking a portion of the money the bank owes me from a value of XXXX to XXXX. So in effect Bank of America utilized a service fee to negate the fact that it functionally owes me money ( since their automatic payment service transferred money from a checking account of their competitor 's to themselves ). In summary, BOA siphoned money from a checking account to pay off a credit card sitting at a balance of XXXX, then is negating their error by charging service fees to return overall balance to XXXX. In common sense terms, if deliberate, it's petty theft. If in error, it's a terrible mistake.
Consumer complaint received 2021-01-20
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Account Management Resources (OK)

I've told AMR to quit calling, specifically the number they had listed. I have TWO work phone numbers, one which is specifically used for my work agency employees and patients ONLY. I do NOT give this phone number out to people. I could imagine that they've taken this number off of a recent car loan application and began calling it. They shouldn't have it to begin with and should not be calling it as it is specifically listed as a WORK NUMBER. This is the second time they've done this after I've told them to STOP CALLING ME.
Consumer complaint received 2021-01-21
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. (IL)

I am unable to login to the Equifax website to access my account. I called Equifax multiple times ( see below ) and was told that an investigation would happen but nothing ever happened and I am not able to access the online Equifax portal. I called Equifax ( XXXX ) on XX/XX/XXXX around XXXX PST and spoke with " XXXX '', call lasted about 20 minutes. I called again shortly after around XXXX PST after the previous attempt to fix the problem did not work and was given an escalations case # of XXXX. This call lasted about 40 minutes. I am still unable to login to my Credit report Account with the error message " Please call customer service '' I received an email from Equifax on XX/XX/XXXX ( see attachment ) stating that the issue had been resolved. However, the problem persists ( see website screenshot attachment ). 

This is my 3rd complaint, Equifiax does not address the matter but merely responds with a generic response that does not address the issue.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (WA)

I have closed accounts through a bankruptcy which the amount still appears on the report as well as the name of the creditor. I have asked several times sent certified mail asking for removal. Equifax states they do not have information for contacting me yet they sent credit freeze information to the address. I also stated that they are all obligations of the United States and they are committing identity theft as well. I gave them the following code : TITLE 18CRIMES AND CRIMINAL PROCEDURE This title was enacted by act XX/XX/1948, ch. 645, 1, 62 Stat. 683 8. Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 
XXXX XX/XX/1948, ch. 645, 62 Stat. 685. ) Equifax still kept the accounts open and lowered my score as well. I will be filing a police report as well. I also did not give permission to have my information displayed or shared with them or any other 3rd party creditor. They have violated permissible purposes Title 15 1681b and 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ;. Equifax never validated the debt
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reviewed my credit report in found there was an inquiry for XXXX on XX/XX/2020. 

I wrote XXXX XXXX XXXX twice disputing the inquiry an requesting them to remove the inquiry from my credit XXXX  XXXX XXXX responded saying that had no evidence of inquiry however it is appearing on my Transunion credit report. 

Please review and remove inquiry from my credit report as I did not submit an application to XXXX  XXXX XXXX.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have closed accounts through a bankruptcy which the amount still appears on the report as well as the name of the creditor. I have asked several times sent certified mail asking for removal. Transunion states they do not have information for contacting me yet they sent credit freeze information to the address. I also stated that they are all obligations of the United States and they are committing identity theft as well. I gave them the following code : TITLE 18CRIMES AND CRIMINAL PROCEDURE This title was enacted by act XX/XX/1948, ch. 645, 1, 62 Stat. 683 8. Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 
XXXX XX/XX/1948, ch. 645, 62 Stat. 685. ) Transunion still kept the accounts open and lowered my score as well. I will be filing a police report as well. I also did not give permission to have my information displayed or shared with them or any other 3rd party creditor. They have violated permissible purposes Title 15 1681b and 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ;. Transunion never validated the debt. I want Transunion to remove the debt and increase my credit score within the next 5 days or I will pursue Civil Liability. Thank you
Consumer complaint received 2021-01-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

We closed on a 1st Mortgage with LoanDepot.com, LLC on XX/XX/XXXX in the amount of {$500000.00}. There were several errors on this closing - all to our detriment : 1. Per LoanDepot 's Closing Disclosure, LoanDepot withheld at escrow {$150000.00} at closing to pay off a 1st mortgage with XXXX XXXX. XXXX XXXX  reports receiving only {$150000.00} for the loan payoff ( which was sufficient to payoff the loan ). There is a missing {$360000.00}. 
2. LoanDepot withheld at closing {$4100.00} for the purpose of paying the property tax bill due XX/XX/XXXX ; however, the prior lender already paid the XX/XX/XXXX taxes. Most importantly, base on a search of the County of XXXX records, it does not appear the County received the overpayment {$4100.00}. There is a additional missing {$4100.00}. 
3. There was additional {$250.00} error in the escrow. 
I have reached out to LoanDepot several times, first in writing on XX/XX/XXXX. I have reach out to the servicing department, the origination department and the escalation group - with no response. Total missing funds are {$8000.00}
Consumer complaint received 2021-01-21
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: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/XXXX I purchased tickets for a football game ( XXXX @ XXXX  ) from the website XXXX. The cost of the tickets was {$1500.00} and the event was to be a celebration of my late father 's life with my family, my father loved the XXXX, and had passed away on XX/XX/XXXX due to covid. 

Our family purchased flights and hotel rooms to attend the event, and made plans. However, on XX/XX/XXXX, 4 hours before the event was to begin, the company sent an email explaining the event was no longer taking place at the time, and would be postponed. 

Additionally, the company did not even provide a rescheduled date until over 90 minutes AFTER the original event was about to start, providing no time or ability for us to make alternate arrangements with work schedules, or potentially even try to sell the tickets, as the company repeatedly removed our listing of the tickets so that we could not sell them! 

However, our family had no chance or ability to reschedule. The company sold us tickets to an event and then completely changed the date and time of the event, and refused to provide refunds. 

I disputed the transaction as dishonest, abusive and fraudulent, as the company changed the date and time of the event and provided no recourse to customers who spent hard earned money and time to attempt to attend but would no longer be able to.
Consumer complaint received 2021-01-20
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: CITIBANK, N.A. (GA)

I reviewed my credit report and that there was an inquiry on my XX/XX/XXXXand XX/XX/XXXX Credit report for CITI Cards, Bank Credit Cards Inquiry Date XX/XX/2020. 

In XXXX I mailed out letter advising the company that I never submitted an application or applied for any of their products. 

I have not received a response from the company and the inquiry is still listed on my credit report. 

I contacted CITI Cards today and they said that could not assist with this issue.
Consumer complaint received 2021-01-20
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. (OK)

XXXX XXXX XXXX XXXX Showing Past Due on a closed account and getting notification for late payments. Past due balance on all 3 reports inaccurate XXXX {$66000.00} {$66000.00} . How can I be late on a close account. REMOVE ACCOUT FROM REPORT. Date of last active on the account inaccurate Trans-XXXX, XXXX, XXXX. Only lived at XXXX XXXX XXXXXXXX XXXX, OK XXXX
Consumer complaint received 2021-01-10
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: EQUIFAX, INC. (PA)

Wow, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

COVID-19 has really messed me up
Consumer complaint received 2021-01-20
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: Chime Financial Inc (FL)

I issued a payment from my online bank account with Chime to a medical provider, XXXX, on XX/XX/2020. XXXX has advised they are unable to locate the payment and require a copy of the cashed check in order to investigate the issue. Chime has advised me the check was cashed on XX/XX/2020. 

I have contacted Chime on numerous occasions for over a month now requesting this check copy and I continue to be bounced around. Today my husband briefly spoke with a supervisor only for the supervisor to claim a check copy can not be obtained - in contrary to what was previously told to me over the last few weeks - and then the line was disconnected ( and Chime made no attempt to call me back ). 

I now need the assistance of CFPB to resolve this matter.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

I made a electronic payment to Shell/cbna account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX an amount of {$34.00} on XX/XX/XXXX the transaction did go through for what ever reason I don't Know the company never call me they never write me on XX/XX/XXXX I try using my card to buy some things and the card decline when I check the card i realize the credit limit decrease to {$200.00} inset of {$800.00}. I called XXXX costumer care representative pick my call I told him My Credit limit decrease, my card is declined, I lost 56 points on my credit report and i want to know the reason, she said my electronic or on line payment didn't go through she said the reason the number was wrong so i made anther transaction and this time it went through.On XXXX I called a representative and he answer me I told him my credit limit decreased he said he can fix it for me I said i may get hard inquire he said i will be fine.He did it online and the computer denied me which i get hard inquire.I told him to transfer me to his manager his name Mr XXXX. Mr XXXX said he has taken out the late payment fee and that the will work the credit report to fix 56 points and the hard inqure he said i will get a letter but i do not get a letter..On XXXX I made a check up I talk to XXXX who said she is a manager and said they can not do any thing in regards to my situation I told her please I'm your loyal costumer and if you check my payment history you will see that i pay my bills in time.She said give me your phone number i will call you but she never call me.Even before that one of them try agin to increase my credit limit and i get anther hard inquire she said don't worry it won't report to the credit company but when i hang up credit karma give me a signal.
Consumer complaint received 2021-01-21
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)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2021-01-21
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. (CA)

XXXX XXXX XXXX  XXXX Balance {$770.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX Balance {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

XXXX XXXX XXXX Balance : {$2400.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX Balance : {$5100.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX Balance : {$1900.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXX XXXX Balance : {$11000.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately.