davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I hope this email finds you well. I am writing to express my deep concern regarding the current situation with my checking account. Unfortunately, I have been experiencing significant difficulty accessing my account, and despite multiple attempts to resolve the issue through my local bank branch, the problem remains unresolved. 

To provide you with more context, I have been encountering persistent errors when attempting to log in to my online banking portal or access my account through the mobile app. These errors have persisted over the past XXXX weeks, and despite following the troubleshooting steps recommended by your customer service representatives, the issue persists. 

Furthermore, my recent visit to the bank branch yielded no tangible solutions. The staff was unable to identify the root cause of the problem or provide me with any meaningful assistance beyond suggesting the same troubleshooting steps I had already attempted. 

Given the importance of accessing my checking account for managing my finances and conducting day-to-day transactions, this situation is incredibly frustrating and concerning. I rely on the services provided by Citizens bank to meet my financial obligations and conduct my personal and professional affairs efficiently. 

Therefore, I kindly request your urgent intervention to resolve this matter at the earliest convenience. I would appreciate it if you could assign a dedicated support representative to investigate the issue thoroughly and provide me with a comprehensive solution as soon as possible. 

Additionally, if there are any alternative methods of accessing my account or conducting transactions temporarily while this issue is being addressed, I would greatly appreciate your guidance in this regard. 

Please treat this matter with the utmost urgency, as it is causing me significant inconvenience and distress. I trust that your team will prioritize this issue and work diligently to restore access to my checking account without further delay. 
Thank you for your attention to this matter. I look forward to receiving a prompt response and resolution. 

Sincerely,
Consumer complaint received 2023-12-21
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. (PA)

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

On XX/XX/2023 I went into a fuel station and proceeded to withdrawal some money out of the ATM. After putting in my pin and the amount I needed to be disbursed which was {$60.00} with a ATM fee of {$2.00}, the machine gave an error message and did not disperse any money. However, my bank account was still charged for the funds. I have filed a claim with my bank, and sent the receipt stating no money was ever giving. It has been almost a whole month an no resolution. I just want my money back because it is rightfully mine. The bank is refusing to give me my money after they have all of the proof. This bank, Bank of America has been going down hill for years. No managers have returned any messages that have been left. I am highly upset and disappointed. I just want MY MONEY!
Consumer complaint received 2019-01-03
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. (NY)

My credit score has always been in the mid to high 700 's, with no late or missed payments and a steady decrease in credit card debt. My mortgage company, XXXX, advised me on XX/XX/2018, that my mortgage had been sold to a company called XXXX. My mortgage was and continues to be current and, in fact, my latest mortgage payment was made on XX/XX/2018. 

I check my credit score regularly and was astounded to see that XXXX and Equifax had decreased my score by over 50 points, because it was reported that my mortgage account with XXXX had been closed. It was later noted that my mortgage loan had been transferred. I went online, only to see that scores of mortgagees had seen their credit scores drop by as much as 100 points due to the sale or transfer of their loan to a different mortgage company. 

I checked with XXXX and Equifax, both of which told me that there was nothing that could be done until the new mortgage holder began to report on time payments, which could take up to three months. When I checked with both XXXX and XXXX, I was placed on a conference call with both entities, both of whom sympathized with my situation and indicated that the score would be repaired within 1-3 months. 


I would like to know how a mortgagee, without fault, delinquency, missed or late payments could see a credit score plunge simply because his/her loan had been transferred by the original mortgage company to a new entity? What if someone needed to apply for a loan? What is the potential damage to a mortgage holder with such a dramatic decrease in a credit score. Is this even legal? 


I would appreciate your investigation of this practice, since my experience is not isolated, as my simple XXXX search indicated. All I typed in was " My mortgage was sold and my credit score plunged '' and there were multiple accounts ( some even worse than mine ) of instances where credit scores were dramatically damaged without fault or legitimate cause. I pity the poor soul who does not monitor his/her credit score and who applied for a loan, only to be subjected to a humiliating failure to obtain credit.
Consumer complaint received 2023-12-06
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: EQUIFAX, INC. (AZ)

The tradeline is inaccurate because I am not legally obligated to XXXX XXXX XXXX XXXX in the amount of {$34000.00} for the alleged chargeoff deficiency claim. 

Furthermore, the tradeline is incomplete because you have not verified the date of last activity with the creditor XXXX XXXX XXXX XXXX, since I had begun dispute regarding this creditor, it appears no actual creditor investigation was actually done, because the date verified did not change. Although XXXX XXXX XXXX XXXX was closed. The account appears to show delinquencies after the closed date. Your verification procedures have allowed this which has been harmful to me and my family. The balance of {$34000.00} is not correct, and the date of late activity has re aged. Please delete it.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (OH)

I am filling a complaint against Chase Bank in accordance with 15 USC 1666b because of inaccurate consumer reporting regarding late payments that are incorrect. I was never late and they needed to provide the disclosures stated under 1681 EI.

15 USC 1666b states : ( a ) Time to make payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Chase made an error in reporting that the account was 60-90 days past due and that is incorrect. The account balance is also incorrect.

Chase Bank never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

stop contacting me. i did not report identity theft. i reported fraud. i was defrauded by the " creditors '' on that report. they have defaulted on my collateralized loan and will be placed into liquidation to repay my collateral. do not contact me about this matter any more. do not share my credit report with anyone. i am not going to be extending any more credit to these criminal organizations ever again. i will not repay any USD or hold any USD until the collateral is returned and i'm compensated for damages. STOP CONTACTING ME. THIS IS EXTREME HARASSMENT! I HAVE NEVER MADE A SINGLE LATE PAYMENT ON A DEBT IN MY LIFE! LOOK AT THE XXXX REPORT! NOTHING UNTIL AFTER THEY ANNOUNCED THEY ARE BANKRUPT AND LOCKED WITHDRAWALS. XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX for information. XXXX
Consumer complaint received 2024-04-22
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. (GA)

I requested the credit bureaus update my personal address to my current and correct residence of XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, where I have lived for over three years. I provided supporting documentation, including a recent utility bill and a copy of my driver 's license, as proof of residency. 

Despite my request and the provision of sufficient documentation, the credit bureaus have failed to update my address and remove all other addresses from my credit profile. This inaction is causing me significant inconvenience and may negatively affect my credit standing and ability to conduct financial transactions.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, I have the right to request and expect that the information maintained in my credit report is accurate, complete, and verifiable. The bureaus ' failure to update my personal address may constitute a violation of this law, as they are not ensuring the accuracy of my personal information.
Consumer complaint received 2023-12-21
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. (IL)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2022-10-10
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The last letter I sent to the Transunion credit bureau was dated XX/XX/XXXX 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 you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$270000.00}, XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$25000.00}, XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$24.00}
Consumer complaint received 2023-03-16
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2024-04-21
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. (OK)

I asked that a thorough investigation be conducted on XXXX XXXX XXXX and Equifax regarding my credit profile. It's against the law to report inaccurate and incomplete information on a credit report which makes them in violation of 15 USC 1692g. I've reached out on numerous occasions to all bureaus but I have yet to receive a response, I would like for each account to be properly investigated and validated with original signed documents. 


XXXXXXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3500.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$10.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$10000.00} Balance updated XX/XX/XXXX Recent payment {$5.00} as of XX/XX/XXXX Account info Account name XXXX XXXXXXXX XXXX. 
Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$29.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX
Consumer complaint received 2023-12-21
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (FL)

I just qualified for Section 8 Housing as I`m way below poverty level, I can`t afford my apartment much longer. Wells Fargo didn`t do the right thing before paying out close to {$28000.00} to XXXX XXXX XXXX . The XXXX XXXX value has to be looked at, as well as the mileage and condition of the vehicle. I`m attaching again the XXXX that I got from XXXX XXXX XXXX XXXX 

Wells Fargo Auto Finance should sue XXXX XXXX XXXX for false information on the XXXX XXXX they gave the money to, not me.
Consumer complaint received 2023-08-29
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, account names : XXXX XXXXXXXX XXXX XXXXXXXX, account name XXXX XXXXXXXX XXXX XXXX XXXXXXXX, account name XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  bankruptcy discharged reference # XXXX has violated my rights. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-31
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-28
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. (NJ)

I

have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX XXXX  XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-04-21
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: EQUIFAX, INC. (TN)

I am filing this complaint because I have disputed an account with EQUIFAX several times to no avail. The account I have disputed has been countlessly verified as accurate when in fact the account is incomplete and inaccurate. I have given EQUIFAX detail and even circled the blatant inaccurate information on the account with red ink while also highlighting other inaccuracies. The account they continue to verify is from a company called XXXX XXXX XXXX EQUIFAX is in violation of 15 USC 1681e ( b ). I am requesting a detailed description per 15 USC 1681i ( 6 ) ( b ) ( iii ) on how they continue to verify the erroneous account. It is driving me crazy, and I want answers.