davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (IL)

On XX/XX/XXXX my belongings were stolen. I had to get a new phone and order all new cards. My chime card was used the afternoon of the XX/XX/XXXX for {$12.00} and again on the XX/XX/XXXX one transaction for {$60.00} and another {$28.00} and used again on XX/XX/XXXX for $ XXXX XXXX of XXXX is when I discovered these charges. I had got another phone and was able to look at my accounts..I filed a dispute with Chime and explained how my belongings were stolen. They denied my first claim and sent an email that simply stated they found no errors and my dispute was denied. I called them and they reopened my case. The asked them to provide me with documentation used to determine their decision. They said they investigation team would reach out to me and they would reopen the dispute. They then denied my second dispute the same day. I called back and got told the same thing. They would reopen it and that was all they could do.
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have a bank of america checking account and credit card. Approximately 6 months ago, I transferred {$20000.00} from my XXXX investment account into my checking account which I intended to then transfer to pay off my credit card at Bank of America. Bank of America immediately placed a hold on my {$20000.00} deposit so that I was unable to transfer it to pay my credit card. I called and was told I needed to go in person to the bank. I did so the following day, to the XXXX, WA branch and was told I needed to come back the following week when a specific manager in the fraud department was available by phone. When they mentioned fraud I immediately checked my account and saw no fraudulent activity whatsoever on my checking or credit account. I returned the following week and was questioned by the bank fraud manager on the phone, XXXX, about some of my past purchases and whether they were valid. My daughter was in the room with me answering questions as well as the credit card account is a joint account with her and I and has been for many years. They asked multiple questions about various charges which I answered and was told by XXXX that they would be releasing the funds shortly. To date, the funds have still not been released and it is over 6 months. I still receive my pension amount in my Bank of America checking every month however Bank of America has blocked my credit card and debit cards so that I can not use any of my money that I continue to receive. In order to use my money I was logging on to transfer money to my daughter 's account and getting it from her. Now Bank of America has blocked access to my online account. I have tried calling XXXX multiple times but have been unable to get a hold of her or anyone who is able to help me. I call the general number and am told they can not help me and I need XXXX specifically. I am XXXX and need the money that Bank of America is blocking. Again, Bank of America still to this day has not released the hold on the {$20000.00} and I do not know what to do to get the money back. As a result of the hold of this money, I can not pay off my credit card with Bank of America and they continue to issue extreme fines which is costing me thousands. Yet they refuse to release the hold on my own funds so that I can pay it back. I have no idea what to do, and now I am even unable to access my pension money to live.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have fraudulent accounts on my credit report, which I reported to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has refused to do this. The following is the fraudulent account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2023-07-07
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX XXXX  Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX  XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX XXXX XXXX  Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX Unauthorized Inquiry Reported on TransUnion Credit Report XXXX XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry on TransUnion Credit Report XXXX XXXX XXXX XXXX  XXXX Unauthorized Inquiry on XXXX Credit Report XXXX XXXX XXXX  Unauthorized Inquiry on TransUnion Credit Report XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX XXXX  Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX  XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX Unauthorized Inquiry Reported on TransUnion Credit Report On XXXX XXXX the following companies had Unautorized Inquiries Reported on TransUnion Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  On XXXX XXXX the following companies had Unauthorized Inquiries Reported on TransUnion Credit Report : 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 2021-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (NJ)

*This is a new complaint* During the period including XX/XX/2021, I was on deferment with the company. I have documented proof of deferment, due to not being able to pay my bill based on being affected severely by COVID. I have new documentation which shows this, however, the company refuses to review the new information. 

I spoke with the CFPB today, Tuesday, XX/XX/2021 at approximately XXXX and they advised me to submit a new complaint due to their being new information and new complaint related issues.
Consumer complaint received 2018-05-07
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. (IN)

I sent a letter challenging inaccurate information to all 3 Credit Bureaus including the creditor listed. The challenge is on 2 XXXX XXXX accounts listed on my credit report that are both, " Charged Off ''. I've sent several challenges over the last 36 months regarding the balance being inaccurate and verification method of the dispute the last being XX/XX/XXXX. The first XXXX XXXX Account shows date closed XX/XX/XXXX with a balance of {$1000.00}, High Balance of {$1000.00}, Charge off amount of {$1000.00}, and past due balance of {$1000.00}. The second XXXX XXXX Account shows date closed XX/XX/XXXX with a balance of {$980.00}, Charge off amount of {$980.00}, high balance of {$980.00} and past due balance of {$980.00}. I've received notices back from all 3 bureaus XXXX, Trans Union, and XXXX stating the accounts have been verified and they remain on my credit report. I've also sent several challenges to XXXX XXXX and they've responded with the they're not are what I'm challenging and to contact the Credit Bureaus but the bureaus tell me to contact XXXX XXXX for any discrepancies. Both accounts were updated by all 3 Bureaus XX/XX/XXXX with the same errors and no method of verification.
Consumer complaint received 2018-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ZIONS BANCORPORATION (NV)

I had account fraud, was unaware for months and when the bank called me 8 months later to tell me about XXXX was gone and more transactions were pending. They then tell me they only go back 60 days. XXXX XXXX XXXX is a member of the fdic and they insure for more than what was stolen. They have a fraud department and they said they are under manned, so its not their problem.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

on XX/XX/2023 i mr XXXX XXXX asked captiol one about my bill and sent payment in XXXX-2023 for card endind in XXXX and capitol one said XX/XX/2023 that everything is correct well how could that be when i have my proof of payment right hereand im the admistitor of this accout
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

Contacted Equifax regarding my online Equifax profile listing an account that I've never seen before. Meanwhile, literally all of my tradelines and student loans are completely missing from my profile. The representative that was helping stated that she did not see the account that I was mentioning listed on her screen and tried to create a new profile for me and an error code kept popping up. Not sure if there is fraud going on, but she was unable to create a new account for me and ended attempting to transfer my call to their IT dept for further assistance and no one answered. She then provided me with XXXX # XXXX for reference promising that I would receive an email once a new account is created by IT. As of today I have not received any updates or communication regarding this very concerning issue.
Consumer complaint received 2023-04-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2023 I the consumer notified Transunion about the fact that I was a victim of Identity Theft and submitted the required documentation required by law, However Transunion received the documents and failed to block the UNAUTHORIZED ACCOUNTS from the consumer file within ( 4 ) business days. TRANSUNION DECIDED TO MAKE A FALSE STATEMENT CLAIMING THE ACCOUNTS WERE " VERIFIED BY THE CREDITOR AS ACCURATE '' Transunion is claiming the accounts are accurate however XXXX AND XXXX also conducted an investigation and concluded that the accounts were in fact UNAUTHORIZED and blocked them from their consumer file. 

After contacting Transunion and speaking to agents like XXXX for over an hour on the phone ( Proof in attachment ) I was told that the information would not be removed because it was " FACTUAL '' and that the only person who can report or remove information about me was the " FURNISHERS '' because TRANSUNION doesn't control any of the information on THEIR company consumer report. I continued by asking for the investigation procedures only to get disregarded and the phone hung up on me. 

Transunion is taking a severe advantage over me as a consumer due to their VITAL role which they ASSUMED in reporting this GRAVE information that is UNAUTHORIZED and does not belong to me with no consent. When I asked about my PRIVACY they said they had no OBLIGATION to it and that they simply report whatever the " FURNISHERS '' tell them to report. 

Transunion is now Knowingly and willfully non compliant because they are failing to adopt reasonable procedures in maintaining my consumer file. My privacy has been invaded and Transunion has failed to protect my confidentiality regarding my non public information. Transunion has failed to be impartial, fair or Equitable to me as a consumer and continue their misconduct. 

Transunion misconduct is negligent and has caused me irreparable damages both mentally and financially, due to Transunion unlawful conduct I am suffering severe stress and financial loss. I am being discouraged from disputing information that does not belong to me and Transunion has made it impossible for me to enter any credit transactions to obtain goods or services under credit for personal, family or household purposes, which has in fact caused me to cry at times, suffer from anxiety and XXXX. 

PROOF OF EVIDENCE TO MY CLAIMS PROVIDED AS ATTACHMENTS
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXXXXXX XXXX Balance : {$170.00} ; XXXX XXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-11
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: BARCLAYS BANK DELAWARE (NJ)

We were completely misinformed by their sales representatives when we went to the sales presentation. They lied to us about the availability, the ease of booking and the money we could earn by renting out the timeshare. We felt rushed and pressured into signing the contract and we were signed up for a credit card without our consent, we just thought they were running our credit for the timeshare purchase, not to open a line of credit! 
We cant find any place/time to book a vacation and their customer service is completely useless, as all we are told is to just book somewhere else. This is completely unacceptable and we no longer want to be associated with them or their timeshare program. We are requesting any necessary paperwork to cancel this contract and refund any money that is due to us. We will no longer be held prisoner by this scam of a product. Their sales representatives intentionally lied to us to get us to sign up for this program and we want to be released from any further liability.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/XXXX I made a payment to my credit card company for {$2000.00}. The credit card company never applied this payment to my account. 
So I filled a dispute with my credit card company and provided proof from XXXXXXXX XXXX that this payment was made by providing them a copy of the cashed check for {$2000.00}. 
Months later, On XX/XX/XXXX I finally received a letter from my credit card company stating that I was not responsible for this disputed amount. and the appropriate credits would be applied to my account balance. This has still not yet occurred. 
I have been attempting, unsuccessfully, for 6 months to correct their mistake
Consumer complaint received 2023-11-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I'm in the process of trying to buy a house and realized I had damages on my credit report. I mailed out letters to the Pro Collect Collection Agency due to inaccurate information being reported to my credit report. According to 15 U.S.Code 1681 there should not be any damages on my report as its defamation of my character.
Consumer complaint received 2023-09-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC. (FL)

Halstead Financial Services repeats daily calls to me from numerous phone despite me demanding every time that they stop calling me. They have used the following telephone numbers : XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-06-17
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. (GA)

I do not recognize the following unauthorized inquiries : XXXX ( XX/XX/XXXX & XX/XX/XXXX )XXXX XXXX XXXX XXXX XXXX XXXX  )XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX ( XX/XX/XXXX )
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Please remove unauthorized/fraudulent credit inquiries from Experian credit report. 

XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2023-04-19
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 writing to you to block the following listed items from my report immediately which are not authorized by me. I became a victim of IDENTITY THEFT a couple of years ago. I have noticed that many items appeared in my report which was never opened by me. You are reporting Inaccurate, incomplete, or unverifiable accounts.
Consumer complaint received 2019-05-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (LA)

To whom it may concern, I am writing in regards to a balloon loan agreement for my property, On XXXX XXXX I received a copy of a balloon disclosure stating that I applied for a loan modification that required a balloon payment of XXXX due as a single payment in XXXX XXXX. I did not sign such document as evident by the forged signature, absence of a wet signature from the loan servicing company officer and sign date.As a result, l have reported this findings to the fraud department and filed a formal incident report with the XXXX XXXX Police Department.
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX has reported a {$2500.00} account in collection on my Experian credit report. I have repeatedly requested proof of this debt from XXXX XXXX as well as Experian for over the last 4 years, and have received nothing in all this time. They even tried to sue me in court in 2014, but I hired a lawyer and XXXX XXXX promptly dismissed the case without ever providing requested proof. I question the ownership of the account as I don't know why they say I owe them this money, as well as the validity of the amount, the company trying to collect that debt, and their right to do so. My issue is that each of these disputes to the credit reporting agency Experian have come back with the statement that the information I disputed has been verified as accurate. The credit bureaus simply ask and the reporting creditor says yes, that is it! They've already reported it on my credit report, of course they're not going to say, oops, its a mistake! There is no proof required, anywhere, ever! In the meantime ( 7 years! ) my ability to purchase a home is negatively impacted, my insurance rates are negatively impacted, my interest rates on any loan are negatively impacted. The fact that any creditor can keep collection information on individual credit reports without providing any proof whatsoever is a serious injustice to American consumers.