davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-01
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)

I sent a letter regarding inaccurate and unknown things on my credit report. So this day XXXX days later i have not received any respond yet. Section XXXX ( a ) Stated account should be removed if no response within 30 days I feel like i am being taken advantage of and being ignored of my disputes. I demand these account be deleted immediately or i will file litigation for the stress you've caused me.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax XXXX XXXX failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$0.00}
Consumer complaint received 2023-05-05
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. (MO)

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 2021-11-30
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. (MD)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later, I have not received a response yet. I feel like I am being taken advantage of as well as my disputes are being ignored. As plainly stated in SECTION XXXX ( a ) a failure to investigate these items within XXXX days gives a reason to IMMEDIATELY remove those items from my credit report. I has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this have caused me. my information was also impacted by the Equifax data breach and may have got in the the hands of the wrong person.
Consumer complaint received 2021-11-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I took out a mortgage in XXXX with XXXX  as nominee for XXXX XXXX recorded in the XXXX  County Registry of Deeds in book XXXX XXXX XXXX. Then there is a XXXX assignment from XXXX to Bank of America recorded in said registry in Book XXXX XXXX XXXX. Then when the loan was paid off and was discharged by XXXX who no longer had the mortgage. See purported discharge recorded in said registry in Book XXXX XXXX. So the mortgage is still outstanding. Bank of America refuses to record a discharge even though they tell me they have the authority to do so. I spoke to XXXX who spoke to her Supervisor XXXX who should be fired. The phone number we called was XXXX - XXXX XXXX. XXXX said they were the correct department.
Consumer complaint received 2015-03-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Accounts Receivable Services (MN)

Reliance Recoveries ( XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX ) has attempted to collect on debt that I do no own. I provided proof that I paid it. They ignored the paperwork. I then requested that they verify the debt. They failed to provide anything. They have told me over the phone that they have ceased collection. However, they will not provide written notice.
Consumer complaint received 2023-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: ALLY FINANCIAL INC. (NY)

I was approved for this card on XX/XX/22. I have yet to receive it. When I called, they said they were very behind on cards due to a plastic shortage. I have serious doubts Ill ever receive this card. I am very concerned I have a this card on my credit report with a full credit line, yet no access to it almost a month later.
Consumer complaint received 2023-01-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mark A. Leachman P.C. (CO)

In XXXX of XXXX a garnishment was issued by XXXX XXXX for Mark A. Leachman, P.C. collecting on behalf of XXXX XXXX for a loan that was apx. {$400.00}. The garnishment was for {$2100.00} ( 5x the original loan amt. ). 

My checks were garnished from XXXX XXXX to XXXX XXXX of XXXX for a total of {$2100.00}. 

Mark A. Leachman has filed ANOTHER motion to garnish my checks for another {$350.00}. 

I'VE PAID THIS IN-FULL ALREADY!
Consumer complaint received 2023-01-02
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. (AR)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 2021-11-24
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: EQUIFAX, INC. (TX)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-11-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (PA)

I opened an online account with chase bank and deposited 2 checks same day on XXXX XXXX. Since then, my account has been blocked by chase bank. When I contacted the bank i was told that the bank could not verify the checks with issuer, so they blocked my account. Since then, I contacted them several times, been to local chase branch and even posted a complaint on this forum, but to no avail. As Chase bank could not verify the checks with my employer, I am providing here are the contact # for my employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payroll dept ; XXXX XXXX XXXX and XXXX XXXX XXXX, HR dept ; XXXX XXXX XXXX and XXXX XXXX XXXX. Anyone can call and verify it. Can you please look into this issue, I would greatly appreciate it. 
Thanks
Consumer complaint received 2021-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XXXX called me from a XXXX area code saying my light will be cut off within XXXX minutes and gave me a XXXX to call XXXX XXXX  so i XXXX  XXXX transaction XXXX for {$300.00} and the other for {$490.00} to XXXX XXXX. It turned out to be a scammed once i contact XXXX XXXX on XX/XX/2021 so then i contact Chase bank explaining to them that i got Scammed and i was Under the impression that i was Paying con XXXX they wrote down all the information that i told Them. They reversed back the funds on XX/XX/2021 back to my account and now all of sudden today XX/XX/2021 they did a claim reversal so now my chase account is overdrawn. I really Need back my full amount of money {$790.00} i dont Have money like that.. please get back to me.
Consumer complaint received 2023-01-02
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. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$430.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$47000.00}
Consumer complaint received 2023-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX : I deposited a {$4000.00} cashier 's check at Bank of America XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX to my Bank of America checking account. The funds originated from my account at California XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, where I made a {$4000.00} withdrawal that same day. 

Bank of America placed an unreasonably long hold ( available on XX/XX/XXXX ) on my {$4000.00} cashier check from California XXXX XXXX XXXX, which is within walking distance of Bank of America branch. There is no reason that Bank of America needs to hold these funds all the way out to XX/XX/XXXX. Usually regular checks deposited are available 2-3 business days, and cashier 's check should be available next business day. I was not given notice of the long hold at time of deposit, as this delay has caused undue unexpected hardship and opportunity cost loss. 

I am requesting that Bank of America expedites the hold inquiry immediately, as the funds are available and there is nothing that Bank of America can not reasonably verify the same day or next business day with regards to this hold. The California XXXX XXXX XXXX XXXX branch is within walking distance of the Bank of America branch.
Consumer complaint received 2019-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (NV)

This company have negatively effected my credit with a debit that does not belong to me. It was put on my credit report XX/XX/2019. XXXX does not even offer service in the city I live in. I just dont understand how I owe and I cant even use XXXX XXXX.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I filed for bankruptcy in 2020 because of my vehicle only which my attorney and the court was aware. XXXX  stopped reporting my loan details to the credit reporting agencies and claims my mortgage was part of the bankruptcy which it was not. I tried to resolve the issue with the lender and credit agencies. The lender replied to all agencies and keeps telling them the information theyve been reporting is accurate even though its not since the loan is active and current.
Consumer complaint received 2023-01-01
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)

In accordance with the fair credit reporting act convergent XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-05-20
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: CITIBANK, N.A. (NJ)

I opened my account around XX/XX/2018. Shorting after I went out of the country until XXXX. Upon arriving home I immediately contacted citi regarding these charges it was over XXXX in charges. They claimed I called and said I had my card which is incorrect I never called. They not only held me liable for something I didnt do, they lowered my credit line from XXXX to XXXX. And its a conscience that they lowered for the exact amount to the XXXX on what the claim was for. Now they are ruining my credit every month. I have called several times. No one will help me. I am a verified fraud victim. I have identity alerts on all credit agencies. My credit went from a XXXX to the 500s. They need to resolve this. Refund all money that belongs to me. In the terms for the card they state zero fraud liability. But they are making me liable for something I didnt do. I wasnt even here. They need to fix the account. If this isnt resolved I will be taking this to court.
Consumer complaint received 2023-01-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022, we sent {$26000.00} from XXXX XXXX XXXX  to a JPMorgan Chase Checking account through an ACH transaction. The money was transferred through a 3rd party, XXXX. Typically, an ACH transaction takes 3 to 5 business days, which means the money should have arrived at JPMorgan Chase on XX/XX/XXXX. On XX/XX/XXXX, the recipient informed us that the money had yet to arrive. On the same day, we realized the recipient we had been in contact with was a fraudulent spammer, impersonating the actual recipient through a spoofed email address and duplication of invoices. We informed our bank, XXXX XXXX XXXX, and the 3rd party processor XXXX.XXXX  of the fraud case, and they issued a formal Fraud LOI Reversal correspondence to JPMorgan Chase. However, as of submitting this complaint, JPMorgan Chase refuses to respond to the LOI. Based on our evidence, the money was never sent to the fraudulent spammer, and JPMorgan Chase still possesses the fund. The evidence is 1 ) After seven working days, the fraudulent spammer complained that they didn't receive the fund. 2 ) When we communicated with the local Chase bank branch where the recipient bank account was located on XX/XX/2022, they informed us that the account was already closed and marked as fraud. This complaint is against JPMorgan Chase, which refuses to cooperate with the Fraud LOI request and does not officially clarify the fund 's status.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
Consumer complaint received 2019-05-19
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. (GA)

I am a victim of fraudulent activity and requesting your assistance for resolution - I have been unsuccessful and have tried numerous times disputing this with US Dept of Education and now the credit bureaus. The US Dept of Education loans currently show XXXX balance and permanently assigned to government but the past derogatory marks remain. I did not attend college. I am not being treated fairly and is against Fair Debt Collection Practice Act. I am led to believe they have destroyed my credit intentionally.
Consumer complaint received 2019-05-19
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: SYNCHRONY FINANCIAL (KS)

I have a XXXXl MC card that accumulates points with purchase. I can not LINK my credit card to the online XXXX wallet that allows use of credit points like money. I have repeatedly called ( at least 10 times ) the credit card XXXX # to get this problem fixed. I always get the same answer : they can not do it, they have to submit a request to get this fixed -- wait 3-5 days -- and ABSOLUTELY NOTHING HAPPENS. 
Customer service on phone always nice people and polite, but the request never happens. Nothing is done. I have waited at least 6 weeks. NADA. 
I believe they are deliberately ignoring the request so I can not access my credit points and my points expire every month, because guess what, I can't access my points online. I get an error message every time I do this online. 
This is FRAUD on a slow walk. 
I absolutely hate XXXX but so many small business people use XXXX because you don't have to obtain a CC # to use. 
Since Synchrony Bank took over, all this problem began.
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (FL)

i all ready file a case with u guys about dis 3 mths ago and i had 3 accts and u said u will update them but u only update 1 and not 3 plz fix are update before we go to court and i sue u
Consumer complaint received 2019-06-26
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: TD BANK US HOLDING COMPANY (FL)

I applied for a Government Small Business Loan through TD bank on XX/XX/2018 I was denied because I had issues with my credit report, three negative items were affecting my score, I called these 3 creditors they provided me with paid in full letters and I dispute the 3 accounts with the 3 credit bureaus ( XXXX, XXXX  and XXXX ), finally on XXXX XXXX these 3 accounts were deleted form XXXX Credit Report, I went to TD bank again on XX/XX/XXXX with the XXXX credit report sent by this credit report bureau by regular mail with all the disputes resolved. These 3 accounts were removed and deleted from XXXX Credit Report however from XXXX and XXXX I am still in dispute with them with the same accounts, my company fullfilled all the requirements and the Bank didn't even consider that XXXX credit report was accurate, the bank denied the loan because the issue was not resolved with the other credit bureaus XXXX  and XXXX knowing that these accounts were the same ones deleted from XXXX.
Consumer complaint received 2019-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XXXX XXXX my wallet was stolen along with my debit card, phone and other credentials. I have an account with Bank of America. Initially I was told that temporary funds would be given to me in three days until the issue was resolved. Now it appears they are giving me a hard time about my money. My account was basically wiped out. The total came to slightly over {$1300.00} I explained I have financial obligations and I need my money. I have been receiving the run around and no clear answers. I am XXXX years old and in a terrible predicament not of my doing. I would appreciate any help you can provide. 
Thank you