davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

**TransUnion LLC** XXXX XXXX XXXX XXXX, PA XXXX XXXX : ** Urgent Dispute of Reinstated Missed Payments on Credit Report To Whom It May Concern, I am writing to formally dispute the reappearance of missed payments on my credit report associated with XXXX XXXX XXXX XXXX  credit card accounts. These missed payments were initially removed after a dispute, and I received the updated results from TransUnion on [ XX/XX/XXXX ] confirming their removal. 

However, on [ XX/XX/XXXX. XX/XX/XXXX ], my credit report was inexplicably updated, and the same missed payments were reinstated. This action is not only incorrect but also appears fraudulent as it contradicts the resolution provided in the dispute results I received. I have proof of the original dispute results showing that these missed payments were removed, which I am prepared to provide. 

As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to have accurate information reported on my credit file. The reinstatement of these missed payments is a clear violation of this right. I am requesting that TransUnion immediately remove these inaccurate missed payments from my credit report and ensure that they are permanently deleted. 

Please confirm in writing that this matter has been resolved. Additionally, I request that you provide me with an updated copy of my credit report showing the removal of these disputed items. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-30
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (MN)

I am a victim of identity theft and I have never applied for or opened any credit card accounts with American Express due to me being incarcerated. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MI)

I am submitting a complaint regarding an error in my credit reporting by Citibank, which manages my Home Depot credit account. This error has had a negative impact on my credit score. 

In XXXX and XXXX of XXXX Citibank reported two delinquent payments, each over 30 days late. However, this information is incorrect. My account was enrolled in autopay, but due to an error on Citibank 's side, these payments were not collected. I have since submitted two complaints through XXXX to correct this issue, but Citibank has maintained that it can only report based on the existing account records and has refused to change it. 

This error is adversely affecting my credit score, and despite my attempts to resolve it directly, Citibank has not taken responsibility for the autopay failure. I am seeking CFPB 's assistance in investigating this matter and ensuring my credit report accurately reflects my payment history. 

Thank you for your help in resolving this issue.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

JPMorgan Chase bank is involved. I sold a manufactured home using Sun Communities as the realtor. I opened up a new account with Chase and deposited a {$39000.00} check.

They deposited it then told me they couldn't verify with the contact info from sun community. 
They have refused to release and XXXX XXXXXXXX won't verify it. 
I now don't have a house or money from the sale XXXX XXXX XXXXXXXX charged a XXXX XXXX fee. 

Please help, i have submitted some photo 's.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Savings account
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (IN)

I m a fraud victim from XXXX since 4 months ago and the bank still doesnt do anything to resolve of refund my money. I been calling almost 3 or 4 times for weeks send all the documents they asked me for it along with the police report and havent received anything from them.
Consumer complaint received 2024-10-09
Product: Credit reporting 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. (NC)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-10-09
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. (AZ)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

After XXXX unlawfully executed a withdrawal for a XXXX account after I had cancelled the application for {$210000.00}, Bank of America would not file a fraud report. They took the money out of my checking account which didn't have the money ( the money was in Savings ). So they executed a $ XXXX overdraft. Whereupon they have now blocked my access to online banking and prevented me from accessing any of my money. The overdraft in the checking also prevented my regular payments from going through. I am now without any cash at all and unable to pay my bills due to their fraudulent transaction.
Consumer complaint received 2024-10-09
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. (NY)

Please DELETE the XXXX the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat This item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX
Consumer complaint received 2024-10-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I signed up for a CD with XXXX for 5.15 % for 6 mos. They wanted an application filled out, which I did. However, when the application was approved, it was approved for 5.05 %. I contacted them and stated that I had signed up for 5.15 %. They hemmed and hawed but stated they would give me the 5.15 %. So, I signed the transfer document for {$210000.00}. Whereupon, I got a message through their portal, shortly thereafter, indicating they would not honor the 5.15 % and instead 5.05 %. I immediately cancelled the application. However, XXXX took the money anyway, which was odd, because I needed to transfer money from savings to checking ( because they had also demanded a blank check and I didn't have any checks for the savings account which was only opened as a transfer account ). Bank of America, my bank, proceeded to overdraft my checking account by $ XXXX, leaving it at $ XXXX, negative. So, all of my other payments going through there started bouncing. I went to the bank and got the runaround from a woman at XXXX XXXX, NY who refused to issue a fraud reversal. So, I opened a new account at another bank, and moved all monies I could move, leaving my checking account money of about $ XXXX and the $ XXXX negative balance. Per XXXX, they would return the money, after it finally got to them ( because it still hadn't ), in 5 days. Bank of America had no authorization to overdraft the account, let alone move the money without finding out why an authorization was filled out for an account which didn't have the money in it, but they did, via overdraft. Now I am scrambling to get almost XXXX XXXX XXXXXXXX dollars out of there for fear it isn't safe, and having to set up a new account elsewhere, and arrange to pay bills which are gon na bounce. Bank of America would not file the fraud report, and further justified their actions like the movement of a XXXX XXXX XXXX dollars without my authorization was okay as long as it came back, if it comes back, and isn't long gone by then.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-06-27
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: V and H Portfolio (CA)

On XX/XX/2023, I sent Vance & Huffman LLC a CEASE AND DESIST letter. The certified letter was delivered on XX/XX/XXXX, XXXX to date, the company is still reporting the account as open and in collections, please see attached documents from the credit bureaus..
Consumer complaint received 2024-10-30
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: ASAP Credit Repair (TX)

On XX/XX/year> I signed an agreement with ASAP  Credit Repair to perform credit repair services. The XXXX XXXX XXXX would include XXXX rounds. I paid an upfront fee of {$140.00} and then a remaining balance of {$550.00}. I paid them a total of {$690.00} for their services. On XX/XX/year> I received email confirmation from XXXX  that the XXXX round had been submitted. After this I didnt receive any follow ups so I contacted them on XX/XX/XXXX I received confirmation my XXXX round had been submitted and I was told my XXXX and final round would be submitted on XX/XX/year> and final result should be received in by XX/XX/year>. 

Between XX/XX/XXXX through XX/XX/year> I received no follow ups or communication from them. 


On XX/XX/year> I sent an email and spoke via phone to their customer service rep about getting a full refund. Because no resolution had been provided. No updates or overview were provided to me for the remainder of the service. As it turned out the XXXX round was never completed. XXXX  only serviced me for XXXX round and after they received my final payment, they completely forgot about me and my account. 

Ultimately, I dont believe I received a fair service from ASAP  Credit Repair XXXX I was charged hundreds of dollars for practically no service at all. After learning about CROA Ruling : No payment in Advance I chose to file a complaint in hopes of informing anyone who is thinking about signing up for their services. As per XXXX XXXX XXXX XXXX XXXX ruling : XXXX  must fully perform the promised services before receiving payment. 


I tried talking to XXXX  and got nowhere with them. Every response I received from their customer service was very XXXX sided. It felt like I was talking to a machine instead of a person. The communication did a complete XXXX in comparison to how I was initially greeted. I have disputed the claims with my bank to no avail. Next steps will be to seek legal counsel which will take time and money. 

I hope this serves as a warning to anyone. A deterrent for scams such as these. I can honestly say Ive learned my lesson.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (GA)

On XX/XX/year>, my checking account with Venmo was suddenly suspended. I was instructed to upload my ID and reset my password. I did both of those things. Support then told me that my account would still remain suspended for XXXX business days, and that I would have no way to access or transfer the {$650.00} from my account. There is no reason for Venmo to hold on to my funds when I have provided identification proof that I am the account owner. I requested this to be expedited but they refused and said I would have to wait XXXX business days.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-10-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (AR)

To Whom It May Concern : XX/XX/XXXX XXXX Car Repossessed XX/XX/year> -Call to XXXX XXXX redirected to XXXX XXXX XXXX XXXX XXXX XXXX not manage auto loans ) called back and spoke with XXXX who stated payment processing failed because " one of our agents incorrectly transcribed account and routing number '' ( call reference number available ) The account is listed as being past due as of XX/XX/year>. 
I have never been late on this account. 
It is connected directly to my bank. 
It is listed under an active auto pay status for 3 years. And for the XX/XX/year>. 
My bank stated XXXX XXXX  did not request money for that month or there after. 
I had to pay around {$1600.00} total, added late, bank processing, and repo fees. My interest increased and credit report dropped. 
Im formally requesting this matter be investigated and addressed appropriately Thanks for all that you do.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. ''
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (AZ)

I opened a Checking account through a bank that I already had a credit card through. I used the same information. II had two social security benefit checks deposited. They tell me I am not me and need to go to a branch ( XXXX miles ) to verify I am me. When I call the credit card phone number I use the same answers to the questions and have access. I never received a debit card. I never received any letters and they are unwilling to budge and give me access to the funds in the account.