davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-26
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. (MO)

XXXX  and Transunion are incorrectly reporting me 120 days past due on the XXXX XXXX- partial account number XXXX ( page 11 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX  is incorrectly reporting me 120 days past due on the XXXX - partial account number XXXX ( page 14 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

This incorrect reporting is harming my credit score. It is impossible to be 120 days past due on accounts that have a {$0.00} balance and {$0.00} past due. 
I have contacted the two bureaus to fix this issue.
Consumer complaint received 2020-08-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (MA)

Citibank closed my checking account without any notification to get out of paying the promotional bonus fees they have advertised. I opened the checking and savings combo for the {$500.00} bonus, which states that an overall {$15000.00} balance needs to be kept for 60 days. The only requirement for both accounts to be kept open was to have the overall balance of {$10000.00}. I had more than {$15000.00} in the savings from XX/XX/XXXX to XX/XX/XXXX and they still closed the checking, thus there is no way to receive the bonus. I have contacted their customer service over the phone on XX/XX/XXXX, when they explicitly stated that I will not be paid out. I am removing the funds out of the account today, XX/XX/XXXX. 

The chat is included below where I asked why my checking was closed, agent said that it was due to need for higher verification and can be reopened. This is untrue when I called, as they claimed it was closed due to non-existing prior deposits, also untrue as I deposited {$4900.00} from the savings account into the checking account on XX/XX/XXXX.
Consumer complaint received 2020-10-06
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)

Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK DIVISION OF CHILD SUPPORT XXXX XXXX XXXXXXXX
Consumer complaint received 2020-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I opened a Bank of America XXXX XXXX XXXX   XXXX on XX/XX/2020. The card advertises bonus cash back in customer designated categories. I selected " online shopping '' as my chosen category at 3 % on XX/XX/2020. The card also advertises additional bonus cash back depending on your client status with the bank. For me, this would equal 25 %. Therefore, the online shopping category should provide 3.75 % cash back. 

On XX/XX/2020, I made an online purchase for {$2200.00}. The charge went through with a " .com '' suffix. I was awarded 1.5 % cash back and not the advertised 3.75 % cash back. This difference amounts to a little over {$57.00} USD in rewards. I appealed to the bank on XX/XX/2020 and received a letter in the mail stating they would not change this. I called again and was told the problem was how the vendor coded the transaction. I called the vendor on XX/XX/2020 and they did not know what Bank of America meant. The vendor provided me with a bill of sale and documentation that showed in three places that this was an online sale. I again contacted Bank of America and appealed and received a letter on XX/XX/2020 where Bank of America refused to honor the promotion. 

On XX/XX/2020, I made an appointment at my local Bank of America branch and called the credit card department with a banker. Bank of America refused to honor the terms of the credit card promoted at the time I opened it. The banker stated that he could provide documentation supporting the online nature of the transaction, but they still stated they refused to appropriately provide the 3.75 %.
Consumer complaint received 2016-01-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (NJ)

XXXX sent account to collections.I contacted collection co. & I reached settlement agreement & paid it as per instructions. 
I received Account settled in full letter ... month later same collection co. sends me letter for same debt. I call & XXXX has sent the debt to them again..they state debt verified by XXXX ... I call XXXX and they will update system. i proceed to dispute & send docs to collection co. Now a new collection co is contacting about the same debt ... and said that XXXX just verified the debt ... again just called XXXX and they transfer me from dept to dept .... and I now have to dispute the debt again with this new collection co. the constant report of this is annoying and hurting my credit score.
Consumer complaint received 2020-08-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION (VI)

Following XXXX Xoom ads stating that they can transfer funds directly into recipient bank account Worldwide, I have decided to give it a try on XX/XX/2020. I booked online with Xoom a transfer of funds to my sister in laws bank account in XXXX, XXXX. Up to now, XX/XX/2020, the recipient didnt receive the fund. I have contacted XXXX Xoom many times regarding this matter, they keep asking to wait indefinitely.
Consumer complaint received 2018-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (TX)

I have to existing Chase accounts, acct ending in XXXX reduced credit line from {$5400.00} to {$500.00} and Acct ending in XXXX reduced credit line to {$5400.00}. Reasons our decision was based on these specific reasons from XXXX. I spoke with XXXX all of my accounts are in good standing, no delinquency, public record or bankruptcy. Please see specific uploads, all reasons on adverse action letter or incorrect. There is no delinquency, public record, or bankruptcy or one or more revolving accts have a high balance compared to credit line. Payment amount above the required required minimum on some chase cards is low. One or more credit cards have a high balance compared to credit line
Consumer complaint received 2020-09-11
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. (TX)

I have been paying XXXX, XXXX XXXX and XXXX monitoring services every month. These services will not update my balances or credit scores. I have called all three bureaus, XXXX, TransUnion and XXXX  on several different occasions. I have filed complaints with all of them and spoken with supervisors. I have elevated the calls. They need to update the accounts and credit scores. The three bureaus all say the same thing that they will update but never do. Two months ago, XXXX said they had a problem with their system and it has now been fixed. All the bureaus updating accounts and credit scores need to happen ASAP since I have been waiting for so long. They are holding me back as a consumer. For example, I am trying to refinance my mortgage but can't without incurring large refinance fees because of my current credit score. If XXXX, TransUnion and XXXX   would update my accounts and credit scores then I would be able to refinance and be able to control my debt better since I have the only income as a XXXX. This is holding me back as a consumer.
Consumer complaint received 2020-09-11
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. (FL)

I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report.

after number of request by me XXXX it the only bureaus that had not block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,
Consumer complaint received 2020-10-06
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. (CA)

I filed a FTC  Affidavit report and credit report pertaining to a a data furnisher listed on my account XXXX XXXX XXXX. At the time of the report the account number they where reporting the fraudulent account under was XXXX as was listed on the affidavit and the police report so it was removed from my credit file with XXXX   immediately and XXXX it was removed from XXXX  on or around XX/XX/07 I gave the report attached. What XXXX XXXX then did was change the account number with Equifax to XXXX which allowed it to stay reported on my account and resubmitted it to XXXX   under this new account number and statement saying the account is current! XXXX  deleted it again as I informed them of the error and then on XX/XX/XXXX informed me that they had to reinstate it because the data furnisher gave them new information which they had to keep it on the report. They violated the 5day FCRA 605b law which states they are supposed to infirm me of any reinserted accounts twice and did not provide the 5 day forwarning. I attached the documents credit reports where it shows that the XXXX   account was deleted under a different account number as if XXXX due to the affidavit and the police report then I attached the current report from XXXX with the new account number and its clearly evident that it is in fact the same account number due to the history and the opening date of the files its identical only account number changed so they can illegally keep reporting it on my credit profile. This situation cost me 80 points and a denial from the SBA I need it to be resolved immediately so I can reapply with the SBA so I can get back to business. I attached an updated FTC report with the new XXXX  XXXX account number and as per FCRA LAW 605B its should be permanently deleted from both Equifaxs and XXXX  credit reports immediately. I also sent the data furnisher a Cease and Desist as well as a second FTC REPORT which according to the first one they should of stop reporting however they continued on reporting which is an additional violation to FCRA law rights! In addition to this file there are other fraudulent items being reported with these two bureaus several inquiries that where not initiated by me with XXXX  its XXXX and with Equifax they are XXXX/XXXX, XXXX, and wise XXXX XXXX as reported on the attached FTC affidavit the other inquires are with XXXX  I will file a separate claim for that along with the inaccurate reporting from another company XXXX XXXX
Consumer complaint received 2020-08-17
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: Experian Information Solutions Inc. (OH)

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2020-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from XXXX. I cant say this more emphatically, I have never had a XXXX account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP
Consumer complaint received 2020-10-06
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: Experian Information Solutions Inc. (CA)

I sent in a letter ( XXXX ) and I haven't received a response. What am I supposed to do to resolve this situation? This company XXXX XXXX  has closed my account, charged it off, and ssold it but they are still reporting that I'm late every month! They said my monthly amount is {$0.00}, but they're reporting me every month on this closed account, and they're trying to get paid again by doing this. This is false and inaccurate information they're reporting. 

I found out that in the Fair Credit Reporting Act, section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason immediately remove those items from my credi report, its been over 60 days so they should be deleted immediately. If they're not files as soon as possible I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got iinto the hands of the wrong person.
Consumer complaint received 2023-06-28
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-08-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank is my Bank and has been causing issues all through the pandemic. I continually had to call to have fees that were taken out put back into my account. The bank claims I was under {$100.00} so they charged me {$15.00}. The account was not under {$100.00} ever during the month of XXXX. Regardless, there is a pandemic still in XXXX and most of TD banks are not open. Those that are have waiting lines of 150+. Therefore Governor XXXX also explained that these additional fees should not be taken at this special time. I would like my funds returned and for the bank to stop these unethical practices.
Consumer complaint received 2018-10-21
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. (SC)

XXXX XXXX and Transunion continues to PARROT unverified inaccurate information on my CRs they maintain. On this date XXXX XX/XX/2018. XXXX   and XXXX updated my CR re-investigation as verified while these 2 letters sent to me by XXXXXXXX XXXX on XXXX XX/XX/2018 validates my point that XXXX XXXX CAN NOT or WILL NOT provide CONTRACTS BEARING MY SIGNATURE obligating me to pay the debt and is requesting additional information from me. I HAVE NOT CONTACTED XXXXXXXX XXXX REQUESTING A FRAUD INVESTIGATION. XXXXXXXX XXXX is attempting obtain information from me to verify accounts that DONT belong to me. As of XXXX XX/XX/2018 XXXX XXXX and Transunion continues to PARROT unverified inaccurate information from XXXXXXXX XXXX violating FCRA guidelines on fair reporting of consumers information. XXXX XXXX and Transunion has NOT sent requested information provided to their companies by XXXXXXXX XXXX that they use to continue verifying my CR.
Consumer complaint received 2020-09-12
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. (HI)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$540.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account.
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have XXXX  XXXX  XXXX credit card approved by Bank of America in XX/XX/2019. The welcome offer states that there will be XXXX AS point + {$100.00} if I make more than {$2000.00} expenditure within 3 months. 

My expenditure was XXXX, XXXX, XXXX within the first three months, respectively. 

I did so. However, I haven't received a welcome bonus until now. I called them but they always asked me to check later. So far, I haven't received the welcome bonus as they claimed.
Consumer complaint received 2020-08-17
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. (FL)

I am so tired of going back-and-forth with this the bureau you are allowing the same fraudulent company XXXX to consistently re-age and re-report a fraudulent account. The funny thing is every time I call you guys immediately take it off and admit that it is a fraudulent account but every few months we have to go through this so now I'm coming to look at some of finance protection bureau for some help. They change the dates or the amounts slightly in order to continue this XXXX. The account numberer XXXX IS XXXX I SICK OF THIS SOMEONE NEEDS TO DO SOMETHING IMMEDIATELY AS SOON AS I TOOK MY FRAUD ALERT OFF MY CREDIT TO APPLY FOR A HOUSE YOU GUYS ALLOW THIS TO HAPPEN AND THEY DESTROYED MY CHANCES OF ACQUIRING MY HOME MY PART OF THE AMERICAN DREAM AND WORSE I LOST MY XXXX ESCROW. Also you guys wiped out all my good credit causing XXXX XXXX and various others to close down my accounts for a fraud account but left all the fraudulent inquiries that were linked to the accounts where the XXXX does that make sense. These address have are fraudulent that has been reinserted that's has been to various accounts that's has proven fraudulent and thus removed for my credit. 
XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX, FL, XXXX
Consumer complaint received 2020-05-26
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 — Problem with personal statement of dispute
Company: Army and Air Force Exchange Service (FL)

I applied for a credit card with military star exchange in XXXX and XXXX of XXXX. 
I was declined. I was surprised and devastated because I have been working on raising my credit score for the past 3 years. 

I have finally got a higher score and I can say that I have credit cards that have over 5000 limits. I purchased my brand new 5 bedroom home last year. 

I called the credit card customer service while I was at the XXXX XXXX XXXX military exchange today. 
The customer service agent told me that I was declined for the credit card because I had a card in XXXX and the account went to collections but was later paid in full by me. Then she also said that I had an account in XXXX that went to bankruptcy and was discharged.in XXXX. 

I am a retired military veteran. I am also totally XXXX. I have a hard time accepting that I am being penalized for going through hard times. 

As a veteran we go through things that civilians would not believe. Financially, physically, personally, emotionally. 

I am at a loss for words that a civilian that is working for soldiers would made the decision to ban me for life from writing checks on base and deny me a military star card forever? 

We love our troops. We are all in this together? Hogwash!