davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am in the process of closing one of my accounts with Bank of America ( BA ), because I was not happy with how they at BA handled my funds in the past. This account that I just mentioned is the account in which I had my payroll earning directly deposited until the end of XXXX. As I previously stated my plan was to close the account so I started by diverting my earnings to a new account with a different institution.. The transition brought some unfortunate problems with online transactions that were persistently rerouted to BA, these I resolved with BA representatives over the telephone. I kept the account open with a low balance. At the beginning of XXXX I thought to be proactive and to keep more money in the said BA account, just to wrap up some financial things at the end of this year. I decided to deposit {$600.00} of my earnings into BA. I wrote a check in that amount to " self '' to be drawn from the new bank where my direct deposit from payroll currently goes. This happened on XX/XX/2019 at the BA ATM on XXXX XXXX in XXXX Texas at XXXX. The receipt indicated a hold on the funds till XX/XX/2019 at XXXX XXXX. I verified that the {$600.00} had cleared the bank where the check is from and that happened on XX/XX/2019. I Have tried to understand why BA would take {$600.00} of my earning totally out of my reach ; the money is out of the account of origination and it is not in my BA account. I was told that they did it because they have the " right ''. I am still trying to wrap my head around this : what about my rights and free access to my earnings? I work 40 hours a week and have put in over time to earn extra for the holidays. How can BA be given the right to hold money of a hard working person in limbo, while I don't owe them any thing.
Consumer complaint received 2019-01-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

I TRIED FEVERISHLY TO MOTIFY MY MORTGAGE WITH CHASE BANK. 

THEY KEPT LOSING TO DODD FORMS OR STALLING. 

XX/XX/, 2018, APPROXIATELY {$240000.00}. I COMPLAINT TO ALL AGENCIES THAT WOULD LISTEN, THEY CONTACTED CHASE AND CHASE DID NOTHING.

TO THIS DAY CHASE BANK FEELS THAT THEY ARE ABOVE THE LAW, CHASE STILL CONTENTS THAT THEY ACTED IN " GOOD FAITH '' NO THEY ACTED IN BAD FAITH. 

THEY LIE, LIE AND CONTINUE TO LIE, THEY MUST BE STOPPED
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

Phone number XXXX & XXXX is not my personal phone number as showing on my credit report. 
Provide proof that XXXX & XXXX belongs to me in contract by a phone provider along with name of company that provides the number in a personal name.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Looking through my credit report I see there's addresses that I've never resided, Please take this request to look at it and have them removed from my personal section of my credit report. I appreciate the time taken to view my complaint, thank you.
Consumer complaint received 2023-02-26
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. (IL)

My name is XXXX XXXX and I am a victim of identity theft!! Please add a fraud alert on my credit as soon as possible to stop this!! I was researching " The Fair Credit Reporting Act '' and according to them, block all fraudulent information off my credit in four business days, thank you!!!
Consumer complaint received 2023-02-26
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. (TX)

i have been trying to get all 3 credit companies to investigate my reports for violatins on their behalf but i have not gotten any response or updates and they have violated my rights as an consumer!
Consumer complaint received 2023-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland credit contacted me about a credit card debt that was XXXXischarged. I told them it was not my debt and I had resilient it with the credit card company. They continued to harass me after phone calls where I requested to be taken off their call list because the debt was not mine. They took me to court without any summons or notification of court dates and was awarded a judgment because I was not present.
Consumer complaint received 2023-02-26
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. (LA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-12-12
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$160.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$160.00} -This is not my account.
Consumer complaint received 2022-10-20
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. (LA)

XXXX accordance with the Fair Credit Reporting act XXXX, XXXX Account 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
Consumer complaint received 2019-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I sold a large amount of art work which I have accumulated over the past 30 years. XXXX requires that I use Paypal for receiving money and the buyer deposited the money on XX/XX/XXXX. I have been trying to get the funds deposited to my Federal Credit Union since that date and Paypal is holding the money. I have sent all the requested documentation, was told the money would be released in 12 hours, and have just received an e-mail that the account in again on hold for the same reason as two weeks ago.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-12
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (IL)

On XX/XX/2019 We reached out to a Mr. XXXX XXXX XXXX. VP Real Estate Lending at Citibank , N.A . NMLS Identifier : XXXX referred by Realtor Ms. XXXX XXXX. XXXX XXXX  XXXX. 

We made application through an online portal for Citibank XX/XX/2019. 

That is when Mr. XXXX XXXX XXXX stopped communication and as we followed-up we were told that a loan was not possible and stalled the supposed deal at XXXX XXXX XXXX XXXX, XXXX  XXXX. XXXX, IL XXXX. After we put money down {$2500.00}, home inspection {$330.00} and were getting no response from him or his assistant. The more we met the purchase criteria suddenly obstacles were placed in our way. 

The building he was supposed to know and had done business before had the other realtors pretending the building was no VA approved. But with a little research my wife and I were able to obtain that it was without any restrictions. We kept calling and e-mailing Citibank to no avail. Dead Silenced to pressed and could not get past underwriter but ask him what work he done tried to deflect by insisting it was our credit. 

Every time we tried to find a remedy and a solution he was nowhere to be found or did he provide guidance. We are requesting an investigation per Home Mortgage Disclosure Act and the practices of Consumer Financial Protection Bureau ( CFPB ) since we believe Mr. XXXX XXXX XXXX. VP Real Estate Lending at Citibank , N.A . NMLS Identifier : XXXX has not followed the Law and was discriminatory to us. No formal closure. 

We are asking for an investigation for a Notice of Error, Request for Information and a Qualified Written Request to answer our Questions into how Mr. XXXX XXXX XXXX, Home Lending Officer, according to XXXX website handled our loan. Mr. XXXX finally responded with a short e-mail XX/XX/2019 after countless times reaching out to him and Citibank.
Consumer complaint received 2022-04-23
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: EQUIFAX, INC. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are reporting on my Credit Reports : Inquiries ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX.
Consumer complaint received 2019-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

1. My credit report shows incorrect records on my credit account. My credit account is pulling in credit and account information from my brother 's account. He has a completely different name, birthday, and obviously SSN as me. This ranges from everything from a mortgage to open credit card accounts. This problem exists for TransUnion and XXXX.

I have disputed these items with the company. Company has rerouted me to multiple channels but I am getting conflicting information, inconsistent next steps, and unknown timelines. I have been routed to multiple tiers of CSR agents, all with no control over the process - even though it is obvious that the records that are being pulled in are not mine. They are requesting the customer jump through multiple hoops in order to " prove '' that the information the companies have dictated incorrectly is incorrect.

2. My name is incorrectly shown in some cases. First name is being listed as middle name. This is further a problem because I am rejected from even basic items such as opening an account for the company, and I am locked in a loop.
Consumer complaint received 2023-02-26
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. (CA)

My personal information has been exposed in several data breaches and now my information is being used to fraudulently. I was able to take a look at my credit report and I see many suspicious accounts and charges. I have been receiving calls and emails about account and charges that are not mine. I am sure that scammers took my information and now I am being negatively effected.I noticed fraudulent information was posted on my file.
Consumer complaint received 2023-05-11
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. (WI)

Since XX/XX/2023 I have been disputing inaccurate information within my credit report but have not been getting a response from TransUnion, XXXX. Even one of them ask for verification that its me when i sent my information of verification. XXXX, sent information but all they continue to tell me is that its verified without any information that i asked for
Consumer complaint received 2019-12-12
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. (WI)

I filed a dispute with all three bureaus Equifax, XXXX, and XXXX. I have a Bankruptcy that was discharged XX/XX/XXXX almost 9 years ago. I've been steller since this discharged. My XXXX  dispute concluded and deleted Docket # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX, WI XXXX, ( XXXX ) XXXX. 

However, it only took XXXX  2 days and stated my case won't be removed. I submitted XXXX  decision regarding the deletion of this file. XXXX   should have followed suit because the same information was given to all 3 bureaus. XXXX  stated it would be removed on XX/XX/XXXX. 

As a consumer, my credit report should be legally reporting the same information. This Docket should be removed from all 3 bureaus. Please help
Consumer complaint received 2023-12-04
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. (MD)

There is an error on my XXXX XXXX XXXXt Acct # XXXX on my credit report. It was never late and should show never late, paid as agreed on my credit file.
Consumer complaint received 2023-02-26
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. (TX)

XXXX XXXX XXXX, I have never dealt with XXXX I explained to them that my identity had been stolen and they did not understand I filed a claim with all 3 credit bureaus and they did not remove the account XXXX XXXX XXXX l XXXX, Also the same thing with this account, I filed a claim in all 3 credit bureaus and it appears again and I have never had any business with them nor have I bought any product with them.
Consumer complaint received 2019-12-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (KY)

My Mortgage and escrow was transfered from Chase to XXXX XXXX   DBA XXXX XXXX on the XXXX XX/XX/XXXX. 

Upon checking my online Chase account I see that on XX/XX/XXXX the follwing happened : 1 Escrow XXXX was transfered 2 Servicing Transfer XXXX 3 Restricted Money Adjustnebt XXXX 4 Late Charge Waived XXXX My new servicer XXXX XXXX is showing the late charges and and a {$15.00} fee from XXXX that I knew nothing off from Chase until today. 

As far as I am concerned the late fees from Chase have been removed as waived means waived. Payment means payment and waived should mean waived. 

Any other late fees I have had waived in the past have been waived with exactly the same meaning on my account
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (CA)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2022-10-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-11-02
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: Experian Information Solutions Inc. (GA)

The dispute for the account with XXXX XXXX XXXX  that starts with XXXX has been updated. 

Source : Experian Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been updated. 

Source : Experian Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXX Company : XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX You have opened an Account Dispute on your Experian credit report. 
XX/XX/2023 The dispute for the account with XXXX XXXX that starts with XXXX has been received and should be completed by XX/XX/2023. 

Source : Experian Date Submitted : XX/XX/2023 Estimated Resolution Date : XX/XX/2023 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX