davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CA)

In the year XXXX i went to best buy to get a computer for the amount of {$1700.00} i was willing to pay off the computer when one of the associates told me that if i open a credit card with best buy I will get promotional offers and discounts the card No. is XXXX XXXX XXXX XXXX and to other products but they never mentioned or show me that will pay {$99.00} every two years for the card. 
I paid in full all my products then later i received this incorrect charge of {$99.00}. I call Best Buy/ Citibank about the charge and I explain that I never sign for that type of card and I told them that the associate never mention to me that i will be charge {$99.00} to have the card. I Told them that they need to removed the total amount and they did not do it they continue adding interest on that amount. from {$99.00} now is {$390.00}. 

I sent letters 3 to disputes this charges and they only sent me letters to call them only to received the same answer. That I need to pay the amount mentioned above. {$390.00} I explain that I went to best buy where I they offer the card and the Manager told me that that they don't charge annual fee for regular store card only XXXX XXXX I explain that in my disputes that I have only regular best buy card, and they insist that I need to pay that balance. So in XX/XX/XXXX I request for the card statements since the first charge ( that even the representative told me that many people called in the past for the same reason, that for me sounds like a fraud!! ) so I request the contract from that regular store credit card so I can find the specification of the charge, they told me 30 days since that they and I have not received anything form them and now is XX/XX/XXXX. 
I need to report this fraud form!! Best Buy /Citybank as a consumer I have the right to see the original contract from the card and the first statements where I Can see the first charge. They also hurt my credit with bad reports for this situation!! that is why I need your help mainly to see the original contract of the Best Buy credit card and the first charge. So I can go right away go to the manager that keep saying that they don't charge for that type of credit so I can certified that they that they are lying to the people.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NM)

I have disputed negative items on my report multiple times I have not been contracted by any bureaus are notified on how the negative items on my report was verified I was looking up fcra and it states that negative items have to be verified with supporting documents and if not verified it has to be removed it has been more then a month
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have received a copy of my must recent credit report, A public bankruptcy is being reported on my credit file this is inaccurate information. I have contacted each credit bureau with proof I DO NOT HAVE A BANKRUTCY. XXXX XXXX Trans Union stated the information was obtain from XXXX XXXX, XXXX XXXX and my city bankruptcy court have provide me with a letter stating I do not have a bankruptcy with them. 


I would like this Bankruptcy deleted off my credit file...
Consumer complaint received 2021-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (FL)

I XXXX XXXX is not knowledgeable of this debt and it is not mine it appeared on my credit and I have been going back in forth to get it removed as it is affecting my financial freedom and way of living by reporting negatively NCB MANAGEMENT {$1800.00} ACCOUNT # XXXX DATE XX/XX/2018
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX and XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Consumer complaint received 2021-12-14
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: JPMORGAN CHASE & CO. (HI)

I first informed Chase on XX/XX/XXXX that I noticed a derogatory account ( ending in XXXX ) in my credit report at XXXX and that this was a fraud account and that I did not create that account. I also told Chase that it was listed under my name and ssn but the address was one I never had or used. Someone had stolen my name and ssn and used it to create the account. Chase sent me letters on XX/XX/XXXX, XXXX saying that I was responsible for the account and that the account was reported accurately. They also sent the same letters to the 3 major credit bureaus and XXXX. The only reason they gave for their determination that the account was accurate was that they had " correspondence showing '' I knew of the account. In their XX/XX/XXXX letter they said that " I accepted responsibility for the account ''. I categorically denied any involvement with the account and wrote letters to Chase requesting documents ( of transactions made, the application for the account, and other written documents related to the account ). They have not given me any documents related to the account. I requested those documents because I did not receive any written documentation of that account because Chase had apparently sent those to the false address and not to me. I called Chase on XX/XX/XXXX and at that date Chase still had the false address on that account as being my current address! I corrected them but since then they have not acknowledged that they used this false address for communication about this account. In fact, they have continued to insist that the account is accurate ( letter dated XX/XX/XXXX ). The false address listed on the account was : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. My address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In Chase 's letters sent to me and to the credit bureaus, they said " we confirmed that your account is valid and reporting accurately ''. This false statement to the credit reporting agencies is a violation of the FCRA which protects consumers.
Consumer complaint received 2015-09-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My accounts for XXXX XXXX XXXX Bank shows a balance for {$620.00}. The account was settled and closed. The balance should show XXXX. a XXXX & XXXX, the original creditor : XXXX XXXX XXXX has a balance of {$290.00}. We have paid the balance off and should have a XXXX balance on the report.
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

First call was at my place of employment on XX/XX/2021, which introduced herself as XXXX XXXX XXXX XXXX ) XXXX, who claimed to work at a Law Firm XXXX XXXX XXXX  XXXX who represents her client as Bank of America who filed a civil case against me. I advised her that I have no recollection of opening an account and that I will have my attorney contact them regarding that matter. However, my attorney advised that the number was not working and that the number has been reported as a SCAM. This XXXX XXXX has now contacted my family members. Two other phone numbers which associated with XXXX XXXX and both does not work! ( XXXX ) XXXX & ( XXXX ) XXXX
Consumer complaint received 2021-12-15
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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Equifax Credit bureau has failed to respond about the removal of the erroneous information about my inquiries. Sending them letters dated from XX/XX/XXXX to the present, I have not received any response up to this date. On the other hand, inaccuracies about my Inquiries are continuously reported on my Credit Report. Therefore, Equifax failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned XXXX that is still reporting on my reports : XXXX -Date of inquiry XX/XX/XXXX XXXXE-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-12-15
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. (SC)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Social Finance, Inc. (NY)

In XX/XX/2021 SOFI LENDING CORP with account number XXXX was taken off my credit report and now has been put back on it. This company does not have this loan as it states on the credit report that it has been Transferred. The Account Status is reporting it as derogatory and this account does not even have a balance reporting on it.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

My credit reports shows a debt collection of {$93.00} from a company called The Law Offices of Mitchell D. Bluhm and Associates ( MBA law ). The debt was paid but there has not been any update reflecting on my report. I was told once I paid the settled amount of {$65.00} it would be removed from my credit report but that is not the case.
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (CA)

On the US Bank, it shows that we have around XXXX in available credit. but when we try to use it it keeps on being denied. When I called i was advised that the payment is still processing. Yet when I a payment is made it states that payments from US Bank checking accounts are processed immediately. Today XX/XX/XXXX my employee tried using the card at a hardware store in XXXX XXXX. It got declined. The purchase was for {$50.00}. 

On XXXX XX/XX/XXXX when I spoke to reps they both advised that the payments have not gone through, yet the XXXX on the app still showed we have XXXX available. Because of this deceveness we ended up using the our debit card and had a purchase of XXXX. Our vendor advised us that the debit payment had not gone through. But now our funds are tied up in a pugatory in which we dont have access to it and our vendor did nit get paid. To add insult to injury, not we are being charged overdraft fees.
Consumer complaint received 2016-07-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Comerica (IL)

I have a direct express card which my SSI money goes on every month. I was a victim of identity theft today and Direct express mastercard is giving me nothing but the runaround. I had XXXX left on my card and now it is a XXXX balance. There were XXXX charges on my account for a total of XXXX which left me with a XXXX balance. I now have nothing to live on and am without any means of income. Direct express is telling me I have to wait 5 days to see if the charges went through and than file a dispute. This is ridiculous. I can not wait all this time to get my money I need to live on. Direct Express reps just give me the runaround telling me I have to wait. I have mental illness and I do n't want to endu p in the psych ward over this. Nobody is willing to help me. I filed a police report and Direct Express is giving me nothing but the runaround.
Consumer complaint received 2015-10-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

THE COMPANT XXXX AUTO IN XXXX NEW MEXICO LET ME TEST DRIVE A AUTO TOOK MY LIC # AND SS # AND RAN A ILLEGAL REPORT TO ALL BUREAUS 16-TIMES ( INQUIRES ) WITHOUT SINGED PERMISSION.TRANS UNION HAS USED THIS TO DISCRIMINATE MY GOOD WORTHTHINESS, BECAUSE I 'M RETIRED.I HAE SENT IDENITY DOCUMENTS XXXX TIMES AND STILL NO REPORT TO DELETE THIS NO SIGNATURE PERMISSION FOR INQUIREIES ( 16 )
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My credit report shows an account with XXXX XXXX that does not belong to me. I have contacted the credit bureau to let them know that I've never had any loans, credit cards, etc. with any company named XXXX XXXX and asked them to remove this erroneous account from my credit reports, but I'm not having any luck getting them to remove it. The credit bureau continues to say they have " verified '' this account belongs to me, but when I question how they " verified '' it, they just give me a scripted answer, citing " various sources for verifying information '' and tell me it is my responsibility to contact XXXX XXXX if I'm not happy with the results of their investigation. I shouldn't have to contact anyone, since I've never had an account with XXXX XXXX. Please contact the credit bureau and explain to them they need to take this erroneous account off of my credit report. Thank you.
Consumer complaint received 2021-12-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (NV)

I was in Forbearance that ended on XX/XX/XXXX. I recd a Payment Deferral Agreement from AmeriHome Mortgage that I was approved and to make my XX/XX/XXXX payment for Deferral to be effective. I did the payment and thought that the Deferral was being processed. I called on XX/XX/XXXX and the Agent emailed the Loss Mitigation Dept as to why the Deferral was not processed yet. Followed up on XX/XX/XXXX and spoke to a XXXX XXXX # XXXX who was from the XXXX XXXX and told me that I need to make 4 payments in order for the Deferral to go thru..I told her that the Agreement did not state that. She said bcoz I was late 1 month before the Forbearance started plus the XXXX, XXXX and XX/XX/XXXX payments which totals 4 mos. She took 4 payments totaling {$7700.00}. She said my acct will notated and to call back after a few days to check. I called back on XXXX to check, spoke with XXXX XXXX and told me that the payment didn't go thru bcoz XXXX XXXX failed to read the disclosure and we got disconnected. Told him that we didn't get disconnected as we said our goodbyes and told me to follow up. So I gave my payment again as I checked my acct, the money still there. He took it and gave me conf # and told me to follow up on XX/XX/XXXX. In the meantime, I received another letter about my delinquency and to contact HUD Counselor. I'm having anxiety that they will foreclose my home. I called back today XX/XX/XXXX and spoke with XXXX XXXX XXXX # XXXX and advised me that the $ XXXX plus payments were returned back to me and he and his Lead don't understand why it was returned again and why the Deferral was not processed yet. 
This is why I'm filing a complaint because this has been going on for months now and the Deferral has not been processed.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Transunion. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$330.00}
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investagate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified.As by FCRA requires agencies to remove most negative credit information if it is inacurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2021-12-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I HAVE BEEN A VICTIM OF IDENTITY THEFT IN WHICH BANK OF AMERICA CALLED ME TO INFORMED ME THAT MY ACCOUNT HAD BEEN COMPROMISED AND BANK OF AMERICA WOULD BE ISSUING A NEW DEBIT CARD TO MY ADDRESS. 

I HAD TO QUARANTINE TO QUARTERS BECAUSE OF COVID 19 I HAVE ALSO BEEN INFORMED THAT I AM A VICTIM IN THE XXXX DATA BREACH I WAS FINALLY ABLE TO GET THROUGH TO BANK OF AMERICA WHERE BOFA INSTRUCTED ME TO FILE A CLAIM, IN WHICH MY FIRST CLAIM WAS FILED ON CLAIM ONE FOR {$5300.00} # XXXX XX/XX/2021 WAS APPROVED BY BANK OF AMERICA BACK OFFICE WHERE I WAS NOT LIABLE AND NO SUPPORTING DOCUMENTAION WAS NEEDED. MY OUTSTANDING BALANCE HAD NOT BEEN PLACED ON MY CARD WHERE I WAITED FOR ABOUT A MONTH UNTIL I WAS INFORMED A SECOND CLAIM WOULD NEED TO BE FILED AND I WOULD NOT NEED TO WORRY, IN WHICH CLAIM TWO {$19000.00} RE-OPENED # XXXX. XX/XX/2021 WHERE SUPPORTING DOCUMENTATION WOULD BE NEEDED NEEDLESS TO SAY, I SENT ALL DOCUMENTATION IN WHICH I HAVE ABOUT TEN SUPERVISORS VERIFY THAT SUPPORT DOCUMENTS HAD BEEN RECEIVED AND THAT THIS SECOND CLAIM IS PART OF THE ORIGINAL FIRST CLAIM. 
BANK OF AMERICA BACK OFFICE NOW STATES I AM BEING DENIED BECAUSE OF NO SUPPORT DOCUMENTS, BUT YET, I WAS JUST APPROVED BY BANK OF AMERICA BACK OFFICE WHICH CLEARLY PRESENTS A MAJOR CONTRADICTION I AM NOW BEING EVICTED FROM MY HOME BEFORE XXXX BECAUSE BANK OF AMERICA BACK OFFICE MY ONLY REQUEST IS TO PLEASE RELEASE MY FUNDS BECAUSE IVE PROVEN BY THE BOFA BACK OFFICE I AM A VICTIM. THIS EXPERIENCE HAS TAKEN A TOLL ON ME AND I ASK FOR YOUR HELP
Consumer complaint received 2021-12-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I have been regularly making payments on my loan and receiving confirmation emails about each payment, showing they were completed. I go to buy a house and show I have a late payment on my credit and it hurt my credit for almost XXXX points ( XXXX down to XXXX XXXX XXXX ). The company tells me they have been trying to reach me and I am in collections, which is surprise to me considering I have record of every payment made. 

I made sure the loan is paid in full, sent a full description of the issue to the company of the misunderstanding asking them to clear this from my credit, which they declined to do. 

I then disputed with the credit bureaus, which have all ran reports saying the report is accurate. I am still paying regularly on this loan, but want to get this cleared as it shows up for every business loan, line of credit, refinance, etc. that I attempt to do. 

Attached is the original dispute I sent to the company, as well as the attempt to dispute with the credit bureaus.