davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
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. (FL)

I've found that my credit report has erroneous information for the second time now.According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my 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 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 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

The Bank of America has canceled my debit card and then blocked my internet access without any explanation. 
I told them I live in XXXX, XXXX, and couldn't go to a BoA branch in the US in the coming tome. 
The attendant said I should go to BoAs branch in XXXX XXXX. That's 1-hour flight from XXXX. 
I did it and went to the address I was provided but was denied access to the office! The attendant said over the phone that BoA in XXXX operates independently from the US. 

I contacted customer service again, and now she tells me I must go to the US!!! It makes no sense. I want to transfer my money ( around {$2000.00} ) to another account under my name. A trip would be more expensive than that.
Consumer complaint received 2024-05-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc. (MI)

I applied for MIHAF program & was approved which they were willing to pay my entire balance owed to mortgage company all they needed was payoff information which they requested by email four different times & on the fourth email got back a response saying my home was foreclosed which MIHAF doesn't help once home gets forclosed so I ended up lossing my house all because the mortgage company claims they never got MIHAF emails yet I have the dates they were sent & they did respond to last email. Now they have my house on auction for {$170000.00} when I only owed {$63000.00} & they have refused offers for {$100000.00}, this has lead me to believe the mortgage company intentionally didn't respond to MIHAF payoff request emails because a lack of employees due to being during the pandemic or b they saw this as an opportunity to make more money by foreclosure
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have wrote XXXX, Transunion, several times asking them to check into an XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have ask both, for their method of investigation on this account, and to send me paperwork proving they investigated this matter. 
XXXX reports Not paying as agreed. Though Transunion reports paying or paid as agreed. XXXX reports this account paid as agreed and deleted it due to so many inaccuracies. So which is it? I have the right to a 100 % accurate credit report. This report is clearly inaccurate. In accordance with The Fair Credit Reporting Act, XXXX 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 an account without my written instructions.

15 U.S.C 1666b A creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

I have also ask XXXX to remove a discover inquiry off my credit report. It is NOT my I inquiry! I have contacted XXXX, they investigated the problem, set me a letter to remove inquiry. Then a second one popped up on my credit report. After being ask several times, XXXX wont remove it. Knowing the issues Ive had with XXXX. 
I will never apply for credit at that company. Not real fond of them.
Consumer complaint received 2023-04-08
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. (SC)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law The accounts are listed below that need attention : XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$290.00}
Consumer complaint received 2023-05-31
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. (VA)

I recently started to check my Credit Report around XX/XX/23 for the first time and I seen so much false information on it. There were false names, phone numbers, address and even a negative debt for {$3600.00}. My friend told me to download XXXX and XXXX app to dispute it. He wrote the dispute, and a few things came off but not everything. 

Then when I did more research, I learned that you should call the companies to explain the Identity Theft instead of disputing online. So, I called XXXX and they said they will get back to me. I called a weeks later and was just put on hold and then the call just hung up. 

Now I'm taking the proper steps to fix everything. This negative false information is affecting my family and me. The bank seen so many different names for me and like XXXX addresses. It even shows that I have an address in Colorado and I never even been to Colorado.

My credit is not the best and thats why Im trying fix it. I do have a few other negative debts and I take full responsibility for them but the one debt for {$3600.00} is not mines.

I lost my wallet few years ago and had to get a new ID and many years ago I lost my passport and had to report it and get a new one too. I don't know if that has anything to do with this.
Consumer complaint received 2023-03-02
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. (SC)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$460.00} ), AD XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$1100.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$560.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$630.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$820.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$620.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$330.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$430.00} ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$1100.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law The accounts are listed below that need attention : XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$290.00}
Consumer complaint received 2024-03-25
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. (WV)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

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 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 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 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have requested my credit report from TransUnion twice in the last month. 

While I received my credit report from the other two credit bureaus, I still don't have my TransUnion report.
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I'm seriously at a loss for words when it comes to the way citizens bank handles loyal customers. I've noticed a few months ago when my accounts have been hacked due to issues with my phone and digital wallets, that anytime l 've had to call to file a dispute or call to see what was going on with prior disputes-the way I've been treated and spoken to by customer service is not acceptable! In the past 2 weeks or so, I've filed 4 fraud disputes with citizens bank. 
There were 4 due to the fact that I didn't wait for each and every charge the was pending to post before filing just one dispute. 2 of them were filed on XX/XX/XXXX both totaling {$5000.00} which bacially drained my account in itself. One was filed on XX/XX/XXXX in the amount of {$850.00} and another was on XX/XX/XXXX in the amount of {$1200.00}. I was told by numerous customer service reps that a provisional credit would be applied to my account-due to the transactions being fraudulent and also draining my entire account. I waited several days which has now turned into weeks for the money to be put back into my account, which it hasn't. I received a letter in the mail a few days ago stating that due to me filing fraud disputes, citizens bank was gon na close my account? I'm not even sure how this is even ethical considering how citizens bank stands behind its Zero Liability Protection Policy. When I found out that the claims dept of citizens bank was denying my fraud claims, I was told by XXXX, who works for the office of the chairman and who answers XXXX complaints, that the reasoning they gave to deny my claims was because I gave a company a selfie pic and copy of my ID a long time ago to verify it was me-a company that had absolutely nothing to do with the charges I had filed these claims for! PLEASE explain to me how this makes any sense? So basically your closing an acct that's been open for years a denying claims and not refunding my $ for absolutely no reason?
Consumer complaint received 2023-05-31
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. (TX)

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. 

XXXX : 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 2015-11-25
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (FL)

XXXX 2015. got a call from a law firm saying that I owed XXXX in back debt on a card from Providian bank, that I have never heard of nor ever applied for and they say that they are filling a bank levey to collect, called this number XXXX and the women did n't want to supply any paper work or anything else, in support of this matter? and said it was sent to me several times, which I have never gotten anything. I will not pay for a bogas account, I will fight this, I know these people are scamers
Consumer complaint received 2024-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. ()

My XXXX card was used without my consent multiple times to withdraw the maximum amount allowed per day. 

The most recent time XX/XX/XXXX XXXX transactions from my checking account of {$180.00} total of {$1400.00}. 
XX/XX/XXXX XXXX transactions from my checking account of {$180.00} total of {$1400.00} XX/XX/XXXX XXXX transactions from checking account of {$180.00} total of {$1200.00} XX/XX/XXXX XXXX transaction from checking account of {$110.00} I reported all these transactions on XX/XX/XXXX to fraud department. They opened a case then closed it not in my favor. The reason was given even though i requested it. I asked them to reopen the case but had same outcome. All these transaction were made in a city I have never been. I never recieved any fraud alerts. 

XX/XX/XXXX XXXX transaction from checking account {$180.00} XX/XX/XXXX XXXX transactions from savings account {$180.00} total of {$1100.00} XX/XX/XXXX XXXX transactions from savings account {$190.00} total of {$1300.00} Reported these on XX/XX/XXXX to fraud and a case was opened and denied. They told me it was denied because they didnt have enough information. I asked to reopen the case and asked what information was needed and they said they had all the information needed. 

XX/XX/XXXX XXXX transactions from checking account {$1800.00} total {$1100.00} Reported on XX/XX/XXXX to fraud and they opened a case and closed it not in my favor with no explanation given. 

XX/XX/XXXX XXXX transactions from savings account {$180.00} total of {$910.00} XX/XX/XXXX XXXX tranactions from savings account {$180.00} total of {$360.00} Reported on XX/XX/XXXX. I contacted the bank and the XXXX department opened a case. They closed not finding in my favor stating the same atm pattern was used for these transactions that I normally use. All these transactions were done in XXXX different cities and taken from my savings account. I have never withdrew money from savings account through the XXXX 

I have been dealing with situation for a year. I am XXXX XXXX XXXX and the XXXX is affecting my health. The bank has issued me new XXXX cards but that never stopped the theft. I always had possession of my XXXX card and never given out the pin. I have lived in the XXXX for the past XXXX  years. I was told by the bank that I had to come to back to the United States to close the account in person and open a new one. I am here now trying to resolve this issue. I was told they credited my account for the last fraudulent charges but they put it in the account that I closed therefore I have no access to the money.
Consumer complaint received 2023-05-31
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. (NV)

After reviewing my credit report, I have discovered erroneous accounts and information that are not associated with me. I did not authorize the reporting of this information on my credit profile, and it is significantly impacting my life. I kindly seek your assistance in resolving this matter promptly.
Consumer complaint received 2023-03-02
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. (PA)

Most recent was XX/XX/23 but several times TransUnion is refusing to delete a complete fraudulent account even tho it was removed previously but when it went into collections it got re put on
Consumer complaint received 2023-05-31
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)

I've been disputing this collection account that appears on my credit report but the bureaus keep saying the account has been verified but never have sent me anything to prove it.
Consumer complaint received 2023-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 filing a legal complaint against you!
Consumer complaint received 2023-05-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-02-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (PA)

I have a CD which was maturing on XX/XX/XXXX. The grace period for this XXXX was ten calendar days after maturity or XX/XX/XXXX. On XX/XX/XXXX, I called US Bank at XXXX which is their XXXX XXXX XXXX and spoke to XXXX in that group. I explained to XXXX that I received a flyer in the mail from US Bank which advertised a special CD rate of 4.10 % APY for 17 months. XXXX told me that he would take care of moving my CD into this new special rate CD at 4.10 % APY for 17 months. He said that I would receive confirmation of this in the mail. When I did not receive anything in the mail, I checked online only to find out that my CD was never transferred out of its original rate of .05 % APY for 24 months. I have since called US Bank on three separate occasions, and have gotten assurances from them that this would be taken care of and I would get a phone call back from them. It was never taken care of, and no one ever called me back. On XX/XX/XXXX, I spoke to XXXX, who said someone would get back to me. On XX/XX/XXXX, I spoke to XXXX, who transferred me to a manager named XXXX. I was told that the Customer Care Unit was working on this and would resolve it and get back to me in 2-3 days. On XX/XX/XXXX I spoke to XXXX who told me that XXXX was working on this with XXXX and the number for this file/issue was XXXX. XXXX transferred me to XXXX and I got her voicemail and left a message. As of today, I have not received any satisfactory resolution, nor has anyone from US Bank ever called me back. This is unacceptable and extremely poor customer service. I am also losing a considerable amount of money due to the bank 's error, as my CD is still in a 24 month .05 % term and rate instead of the 17 month 4.10 % term and rate which I was promised by the Bank.