davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I started writing Trans Union on XX/XX/XXXX asking this company to validate and show me some contractual obligation bearing my signature about 3 inaccurate accounts reporting on my credit file accounts from XXXX XXXX ACCOUNT # XXXX, ACCOUNT # XXXX, ACCOUNT # XXXX, This company has not showed me any proper validation of this debt they say I owe to this company. Then I wrote all 3 Credit Bureaus again on XX/XX/XXXX in regards to this debt they say I owe. I never received anything in writing bearing my signature or obligation to pay this debt. On XX/XX/XXXX I wrote letter to both the Credit Bureaus and Collection Agencies I informed both that they had ( 15 Days ) Of completion to reinvestigate this matter. I sent all my letters certified mail. And USPS states that they received my letters on XX/XX/XXXX I informed the Credit Bureaus any automated response or XXXX verification is unacceptable. I requested a reinvestigation AND their METHOD OF VERIFICATION. The listed items are entirely inaccurate and incomplete, and represents a very serious error in your reporting. I informed them am maintaining a careful record of my communications with them for the purpose of filing a complaint with the Consumers Financial Protection Bureau An The Attorneys General office should they continue in non compliance. I would like this inaccurate information removed from my credit file immediately. Ive been writing this collection and credit bureaus about this matter for XXXX XXXX years. I need a resolution to this matter.
Consumer complaint received 2024-04-02
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica (OK)

Ive been getting my children 's social security disability payments as payee for almost 20 years now. For over the last 10 years, ive had an account for a one way checking account through XXXX XXXX from the XXXX Treasury by way off Comerica bank located in Texas, i reside in Oklahoma. 

Never had one issue with them holding my money XXXX until the last year or year and a half ( XXXX ). We are poverty level, me and my boys. All i try to do and want to do is pay my bills and scrape by for the entire month and try to survive as a single parent. For convenience, i pay people back loans and pay my bills thru apps like cashapp, paypal, XXXX pay. Every month they block me from my own money and I'm punished for using cashapp and/or spending a few XXXX at XXXX so things can be delivered because its illegal for me to drive, i have XXXX. Same reason i use XXXX prime. I have autistic kids and no way to get anywhere! 
I always get different excuses when i call, about it being my fault i dont use my card the exact amount and exact website in order as i did the month before. This time i was gaslighted, talked over, ignored, and one of the women employees hung up on me and kept interrupting me. They tell me the block resets automatically after XXXX hours, thats a lie. Its been XXXX hours now. Hundreds of dollars in my account and i made 2 transactions before it was blocked. Last m9nth i was charged interest on a credit card i got to specifically rebuild my bad credit trying to elevate myself .... My credit score has lowered XXXX points now because of them. I have planned on paying the entire bill down to a XXXX balance which is due tomorrow XX/XX/year> and have over twice that in my account that im being held XXXX for by the bank, comerica. I know XXXX good and well that they can reverse the block immediately on the computer because theyve done it before. Theyre just refusing to help me. Now my phone is shut off, unless i can connect to wifi for my unstable email XXXX number and it drops calls constantly. Im under extreme stress constantly and this gets pulled on me every single month. My XXXX XXXX is sky high all the time. People need to be warned about th8s!! Comerica bank us corrupt. Give me my money!!
Consumer complaint received 2023-02-16
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. (TX)

I leased a car from XXXX XXXX in XXXX and returned the lease on time in XXXX and got new lease however, my credit report shows paid in settlement but there was no settlement I did get bill for car property taxes and that was paid once I received bill from. It shows on all 3 credit reports I paid in settlement but shows Ive never Deb late or anything and its hurting my credit my reporting and my score went down drastically on XXXX, Equifax and XXXX
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION (PA)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX are all inaccurate I have never been in XXXX Arkansas in my life
Consumer complaint received 2022-04-22
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: EQUIFAX, INC. (AL)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX # XXXX is reporting an account to my credit that is past the Statute of Limitations in CO. It is really old and needs to be removed and I have been trying to get it taken off for some time now.
Consumer complaint received 2019-12-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I opened a personal checking account with Fifth Third Bank XX/XX/2019. At the time of opening a {$250.00} promotional code was attached to my account. The terms were to deposit {$500.00} in the account within 45 days and maintain a {$500.00} balance for 60 days. I deposited {$500.00} on XX/XX/2019 so XX/XX/XXXX would be day 60. XX/XX/XXXX just 2 days from qualifying for the {$250.00} bonus, I discovered {$130.00} pending charges on my account from XXXX and XXXX XXXX which are fraudulent ( I don't purchase adult beverages ) and caused my balance to go below {$500.00}. What's strange about this is I've never swiped the card at any payment terminal or made any purchases with the card online. In fact, the debit card never left my home. I've since contacted customer service, and they are working on the case # XXXX. I am now having mixed feelings about banking with Fifth Third Bank as I've heard the exact same thing happened to other customers. I do not see how Fifth Third Bank can offer an Identify Theft Protection product when it can not protect customers debit accounts especially when the debit card never been used or left the customer 's possession.

I've been told by many others the exact situation where a debit card has been charged without ever being used occurs often at Fifth Third Bank. This seems to be a pattern and Fifth Third business practices should be thoroughly investigated.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A levy was placed on my account by the State of Indiana. I was able to get the levy removed and the funds were supposed to be released back into my account. {$830.00}. Bank of America claims that they sent the state of indiana a check. I was able to confirm with the state of indiana that the check was returned to bank of america on XX/XX/2023. bank of america claims that they still do not have it. I have asked for them to stop payment on the check so that the funds could be placed back into my account. Bank of america refused without a conversation with the state of indiana. Bank of America refused to reach out to the state or indiana regarding the check. I was finally able to get someone from the state of indiana to contact bank of america 's legal department to advise them that the check was sent back and to stoppayment on the check and put it in my account. The legal at bank of america has now promised on 2 different occassions that this would be completed within 2 business days. They keep making promises to stop payment on the check but i still do not have the funds. Please help.
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX I am filing a complaint to have my credit file information blocked/freeze do to inaccurate information. My name is XXXX XXXX XXXX my DOB is XXXX my SS in XXXX. PLEASE DELETE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX PLEASE DELETE THE FOLLOWING PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

In addition to wrong information on the report. My credit score dropped after i removed a dept of {$42000.00}. I have had perfect payment on all accounts for the past 7 years. Why would the credit score drop when debt is paid? It should have gone up. 

Another problem is with " XXXX ''. I let the reporting agency into my back account and every time it comes back and says it can not boost my score. There are payment accounts that show up every month on my bank account. This is a service that does not work.
Consumer complaint received 2020-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent a dispute to Transunion Consumer Solutions on XX/XX/XXXX and they received it on XX/XX/XXXX at XXXX am. It states in the Fair Credit Report Act 611. Procedure in Case of Disputed Accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) They have a 5 business  day period to let me know that the item in question is being disputed, which I never received ; which is the first violation of the Fair Credit Reporting Act in regards to my dispute. Also, the second violation regarding my dispute again, 611. Procedure in Case of Disputed Accuracy [ 15 U.S.C. 1681i ] ( a ) ( 1 ) ( A ) States 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. 

Again, it was mailed out on XX/XX/XXXX and they received it on XX/XX/XXXX at XXXX XXXX. According to the Fair Credit Reporting Act they are in violation, not once but twice. We are currently in XX/XX/XXXX and that is way pass five days and thirty days and I did not receive any piece of mail, documentation or proof that anything was being done in regards to my investigation. This must be deleted immediately. I have attached proof of my dispute letter, proof of mailing mailed via certified mail with electronic delivery and an email with proof as well. 

These credit Bureaus are tricky and like to play games with consumers. Once they get this from Consumer Financial Protection Bureau, that's when they will get on their job and do what they were suppose to do in regards to my dispute two months ago. That will not be accepted as I have stated what happened in this complaint, along with proof of everything. They are in violation. I am very aware of my rights and it is now two months in and this credit bureau is not complying with the Fair Credit Reporting ACT or any other procedures " ITEM MUST BE DELETED IMMEDIATELY. ''
Consumer complaint received 2019-12-10
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. (UT)

XXXX XXXX XXXX # XXXX is reporting an account to my credit that is past the Statute of Limitations in CO. It is really old and needs to be removed and I have been trying to get it taken off for some time now.
Consumer complaint received 2019-07-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Circle Internet Financial ()

I have been using the Circle 's cryptocurrency exchange Poloniex since 2016. 
On XX/XX/XXXX of this year, when logging into my account, I noticed a message saying my account was frozen and I am unable to trade or withdraw any of the assets I have on this account since then. 
I immediately contacted their support team to inform them. 2 months later and after sending them many emails, the reply from support was that my account was under review and that I should just wait. 
The problem is that they are not making any progress after sending them many more messages and asking for more details, they just keep telling me the same thing, that my account is still under review ( now 4 months after informing them ). 

The account holds assets currently worth over XXXX XXXX XXXX dollars. 
Not being able to trade or withdraw these assets is obviously a big problem. 

The fact that they could just freeze my account without even bothering to notify me and give me some kind of explanation was shocking to me and I don't understand why it seems like they are not working on clearing this issue. They say they are working on it but I can't imagine that reviewing an account would take so long.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (WA)

I have two credit card accounts. I have had them for several years and represent in total a credit line of {$30000.00}. I have used their auto bill pay services for these accounts. 

As of XX/XX/2022, Barclays issued a automatic payment on one account of more than {$8000.00}. The normal reoccurring payments for this account were just a few hundred dollars. I contacted Barclays immediately by phone ( within 24 hours ) before the payment was processed ; I receive notifications in advance by email. They would not correct their error and reverse the payment. 

I contacted my bank before they had processed the payment to have return the remittance advice. Allowing the payment to process would have started a waterfall of overdrafts and fees. The said they had to allow the payment to process but would reverse it expeditiously. Which the did. 

Barclays subsequently canceled my autopay on all accounts; including the unaffected credit account. I discovered this in XXXX when my supposedly auto payment was processed. I incurred a late fee and a negative credit report. 

I then contacted them several times ( seven ) by phone. They acknowledged the problem. I attempted to make significant payments {$10000.00} total but Barclays had blocked my bank account and could not find a way to unblock ( supposedly ). The payment on my other account came due and it went past due. This was three weeks after I contacted before several times. 

As of now I have two credit lines on which I am being charged very high interest but Barclays wont accept my payments any longer. I have spent hours on the phone and several cases have been created but the management seems too busy to address on my numerous phone calls ( all incurring roaming charges for being out of country ). 

The duration from the point of their initial failure to currently is two months. I have elected to make payments from restricted accounts of which incur fees. 

I have no confidence Barclays will resolve. The are off the charts in terms of being difficult to business with and their lack of management is costing me significant time and money. I have taken the steps to redirect my business elsewhere because I am lucky enough to be able to. I feel sorry for others less fortunate and have to deal with the systemic management disinterest and XXXX  fees.
Consumer complaint received 2019-07-15
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: CL Holdings LLC (MO)

This account has already been decided that it is not mines. And I'm demanding that it be removed from my credit files. This fraudulent account has caused me great emotional damage and financial stress. Please remove this account immediately. 

# 1. XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-04-08
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: Experian Information Solutions Inc. (TX)

I am writing to dispute the actions taken by XXXX regarding my accounts, which have resulted in significant financial and personal distress. I was a loyal and responsible customer of XXXX for ~20 years, and I have always managed my accounts diligently. 
Upon discovering unauthorized transactions on my XXXX credit cards. I immediately reported these fraudulent charges to XXXX, and after an investigation, final credits were issued in my favor due to the fraud. However, to my surprise, over a year later, XXXX reversed these credits without warning, charging me back for the fraudulent charges. 
Following this, XXXX took drastic actions against me, including restricting my online access, closing all my accounts ( except my auto loan, which was initially not accepted for payments ), and refusing to send me billing statements. Furthermore, XXXX reported all my accounts negatively to the credit bureaus, despite the fact that these issues were caused by identity theft and not by my actions or negligence. This is supported by the FTC affidavit, police reports filed, as well as the culprit being prosecuted for the fraud. 

Despite claiming the information being reported is accurate, XXXX has now sent me checks for the disputed amounts for my credit cards and auto loan. However, I am deeply concerned that XXXX has refused to correct the negative reporting to the credit bureaus. This inaccurate reporting is damaging my creditworthiness and reputation, despite my innocence in these matters.
Consumer complaint received 2023-05-24
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX 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 2019-12-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

On XX/XX/2019 a Non-authorized withdraw from my Santander Bank N.A. checking account# XXXX in the amount of $XXXX. I complaint with Santander Bank twice and twice they denied my claim stating a merchant was correct. I further request Santander bank to provide me with proof as of a product or service was provided to me by this company: XXXX XXXX I was not even aware about the company that withdraw the money from my account without my authorization. I tried to call the phone number provided by Santander bank and it doesn't work or is out of order or does not exist. I complaint second time and a straight answer denying my claim came again from Santander bank.
I ask Santander bank to provide me with proof that I received that alleged product or service but it was never provided to me. I tried to contact " XXXX XXXX" in XXXX XXXX XXXX Utah, without luck.
I am in possession of two letters from Santander Bank denying my claim, eventhough Santander Bank never give me proof of any product or service in the amount of $XXXX  was provided to me on or about XX/XX/2019.
This caused my account go negative and return automatic payments for non-sufficient funds, a disaster.