davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NJ)

Try to do payments on time with Amex, Using their app. 

Take the payments but also charge me {$25.00} dollar fees because they never take the payments on time. 

Because of that problem I did payment with bill pay from my bank account same issues take XXXX days to clear balance on the card. 

Always setting limits to my card the balance never is clear or credit fast enough making me problem at the time to use the card, plus {$25.00} fees every time they want to do so. 

Please I need a resolutions with American Express.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

On approximately XX/XX/XXXX I opened a new Capital one credit card on. XX/XX/XXXX I made a full balance payment of {$290.00}. on XX/XX/XXXX That payment was returned and having a notation of " return mobile h. XXXX XXXX XXXX XXXX. I contacted capital. One explained to them, the situation. the representative told me that it's possible The card had just been activated and therefore may need a day or 2 and to try the payment again in 2 days. I contacted my bank to see if they had any information regarding this payment they did not. They hadn't seen a payment Come through my account. They verified the balance on my account. And they said there should be no issues using this account to make a capital One payment seeing that I pay my wife 's capital One card from the same account. I attempted the payment 2 days later for XXXX XXXX, the balance on XX/XX/XXXX. It was returned again. today I received a letter in the mail claiming that my payment was due XX/XX/XXXX. So I called Capital One once again to find out what the issue was. They informed me that my account had been closed XXXX XXXX. ID number FB J994 said that it had been closed because of an executive decision of 2 close together returned payments. I informed her that there was no issue for the payment. And it also told her about my wife 's account. And how I pay that with the same bank account? She said that there was nothing they could do, that closed accounts Don't get reopened and that they closed it Because I had been in violation of our user agreement, indicating that a returned payment would lead to a closed account. I told her that the only reason I even attempted the second payment, which was why she said specifically, the decision had been made to close. It was because of the second return payment and that the representative instructed me to put the payment through again. I told them. I would never have done this. I would have tried a different bank account. now i have a credit card that was open for one month, then closed. Showing up on my credit report. It is not something I want to have on there. And at very least, I would just like the notation taken off the account without a negative impact. This has nothing to do with anything I've done wrong. I was advised and followed the direction of Capital one to make the second payment. Which is the reason why it was closed and why any negative impact will be held.
Consumer complaint received 2021-01-30
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 — Was not notified of investigation status or results
Company: Conn's, Inc. (TX)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
Consumer complaint received 2023-12-20
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. (GA)

I Called the credit reporting agencies letting them know the inquiries and accounts are unauthorized not supposed to be visible on my consumer report. Never gave them permission or consent to report these unauthorized accounts. This is aggravated identity theft.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

At approx XXXX on XXXX I made an all cash deposit of {$1200.00} into ATM # XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The atm took all of the cash, chugged along for several minutes and then instead of displaying the amount of cash I had deposited it was as if the machine had reset, the screen cleared and was asking me if I wanted to make a transaction. It was as if I had just driven up to the machine the first time. The machine handed me back my ATM card and kept my money and then did not deposit it into my checking account XXXX. I filed a claim with the people at BofA ( XXXX # XXXX Arizona ) although they refused to give me a claim number at the time of the call. I asked them what about the items that this deposit was made to cover, they told me they would investigate and issue a credit on my account within XXXX days ... XXXX days!! That means that everything this deposit was to cover will be returned which includes my Mortgage, XXXX credit cards, XXXX utility payments, XXXX paypal payments and XXXX payment to the IRS. I asked them what they would be providing me to give to these people to prove this was not my error, they point blank said they would give me nothing. They went on to tell me that it could take up to 45 days to give me my money back even though this was deposited into a BofA ATM machine located at the branch. I make my cash deposits at this branch every night like clockwork. This is the second time in XXXX years this very same ATM has taken my deposit, at least last time however it printed up a receipt that showed that an error took place. In this case I got nothing but a blank screen for several seconds and it was if the machine had rebooted itself. The robots on the other end of the phone showed XXXX empathy for the financial nightmare their machine has caused me, it was if they could care less.
Consumer complaint received 2022-09-24
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. (PR)

To update my current dispute at XXXX XXXX, C.F.P.B. number XXXX, which is still in process, I am including the Lawsuit Copy received at the Clerk 's Office of the U.S. District Court for the District of XXXX XXXX XXXX Yesterday, XXXX XXXX XXXX I filed a lawsuit against XXXX de XXXX XXXX XXXX, known as XXXX 

XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections XXXX. 

Because, on my sixth visit to XXXX. for the complaint number above, I finally confirmed it is XXXX XXXX XXXX XXXX XXXX the one that against the Laws and with a discriminatory conduct, decided not to report the payments coming from my savings account at the same XXXX as payments, knowing it is a secured loan precisely to be able to use the savings there as a back up in case salary is lost. 

Because her un justifiable and illegal conduct, I included Fair Credit Reporting Act Violations, Fair Debt Collection Practices Violations, and XXXX Disrimination. 

She also decided not to report the whole payment history of the loan and an incomplete payment history of my payments paid personally.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}. Also, I was never late. I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$25.00}.
Consumer complaint received 2023-11-28
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)

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX
Consumer complaint received 2024-01-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This is my second complaint about this issue Bank of America closed my account, didnt give me any reasoning, and everytime I called they said after so much time Id be able to receive my money. Its now been over 2 years and still nothing. Last I was told to contact parties that deposited money into my accounts which is crazy. Some of it XXXX which I cant get reversed and Ohio Unemployment which I spoke to them and they said the bank would have to return the funds then they would send them to me another way. Ive never received any results of why the accounts were closed and apparently nothing was found fraudulent. I reported this issue a couple months ago. A person from BOFA reached out left me a voicemail, I returned the call a minute later and tried several other times and never heard from them again. I want to know what the problem is and where is my money?! Ive waited too long as it is. They also reported me to check systems and early warning systems for fraudulent or suspicious activity and I dont know why or what theyre talking. About!! This needs to be fixed! My next step is to hire an attorney like I should have a long time ago! How does a bank just keep money especially from my unemployment benefits?!
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I am a military member XXXX from XX/XX/XXXX to XX/XX/XXXX, while XXXX, I disputed a charge on my Credit Card to Citibank for a service that I did not use. I had issues with the vendor not reimbursing me so I disputed the charge through Citi Bank. 

Citi Bank later emailed me to my personal email account late XXXX and gave me 5 days to respond or they were going to put the charge back on my card. I was XXXX at the time and did not have reasonable access to my personal email account so they put the charge back on my card. I called Citi Bank to file a re-dispute but they refused because I did not respond in time to their email. Again, I was XXXX at the time and did not have readily available access to my personal email account. 

When I returned from XXXX in XX/XX/XXXX, I called Citi Bank to let me re-dispute the charge since I was back stateside I would have access to respond to emails. They refused my request again.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The XXXX stemming from this situation is tangible, affecting my XXXX quality and leaving me XXXX. The discrepancy feels difficult to reconcile with my consistent payment history.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2024-01-17
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. (VA)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I assert that by law, the transactions referenced in my consumer report were not made by me. I categorically deny providing written consent to the companies involved to report or furnish any information pertaining to these transactions on my consumer report. It is my legal right to ensure the accuracy and integrity of my consumer report, and I request that the appropriate actions be taken to rectify this matter promptly.
Consumer complaint received 2024-01-17
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. (VA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PR)

ATTACHED I INCLUDE THE CREDIT REPORT OF A ACCOUNT THAT STILL REPORTING OPEN WHEN THIS ACCOUNT IS CLOSED SINCE 2018 ELIMINATE THIS ACCOUNT THAT IS REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT
Consumer complaint received 2024-01-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already reached out to the creditors regarding the validity of the debts associated with these accounts, but I received no response or verification. Upon scrutinizing my credit report, I have noticed that these accounts are being incorrectly reported as late payment accounts. I demand that you provide proof of the late payments on these accounts or, in the absence of such evidence, delete the negative payment status and remove the associated late date markings. I am writing to demand immediate rectification of grossly inaccurate information on my credit report pertaining to the following accounts : XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$1200.00} and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1800.00}. Failure to comply within XXXX days of receiving this letter will leave me with no other option but to pursue all available legal remedies to rectify this situation. This is not a mere request ; it is a direct and forceful demand for the immediate correction of the errors on my credit report.
Consumer complaint received 2024-01-17
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. (GA)

I am writing to express my dissatisfaction and frustration regarding the multiple unsuccessful attempts to correct the late opening of my account and removal of public record with Credit Bureaus. My account was expected to be opened, but despite my persistent efforts to rectify the situation, it remains unresolved. 

Despite these efforts, the late opening of my account has caused inconvenience and frustration. I have patiently cooperated with your representatives, but the lack of resolution is unacceptable. 

I understand that errors can occur, but the repeated assurances without tangible results are disappointing. As a customer, I expect a higher level of service and a timely resolution to such matters. 

I kindly request the following acti

ons : Immediate investigation into the root cause of the issue. Transparent communication regarding the steps being taken to resolve the problem. Assurance that this issue will not affect my ac
count 's functionality or standing once it is resolved. 
Compensation for the inconvenience caused during this period. 
I appreciate your prompt attention to this matter and expect a resolution within the specified timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. 

I am asking for your assistance to correct these late open accounts and remove the public record in my credit file : XXXX  XXXX XXXX Balance Owed : {$1000.00} - I have serious doubts regarding the accuracy of the reported late payment dates. I firmly assert that I made all payments on time as required. I demand that you promptly report the payment status as positive and eliminate all late payment entries from the reporting associated with this account. Your immediate action to sort out this matter is expected. 
XXXX XXXX XXXX Balance Owed : {$2100.00} - The presence of a 30-day late payment history on this account is completely unfounded, as I strongly believe that I made all payments on time. I demand an immediate update to rectify this erroneous late payment record associated with the account. Your prompt attention to this matter is expected.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

The uploaded letter does not shows and download properly on my complaints submitted minutes ago : XXXX and XXXX to Trans Union and XXXX XXXX XXXX XXXX XXXX 

Because this letter received from XXXX XXXX attorney is the main proof I have right now, I have to be sure it is clearly seen and properly uploaded here at the C.F.P.B so I have no choice but submitting this new complaint to correct this.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sent Validation letter by standard mail to Collection Agency XX/XX/year>. There was no Response after 30 days. Notified Equifax that I dispute this account due to no Validation. I sent a second letter certified to the Collection Company to Validated the debt to show proof of Purchase agreement, Still No Response. The collection company has not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.