davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have to file a complaint with XXXX, XXXX  and Transunion. I have called placed numerous alerts on my credit profiles. I have explained that there has been fraud on my accounts over and over. I have had fraudulent accounts removed only to have the accounts added back. According to the FCRA, I was to should have been notified, there hasn't been a validation of debit even without numerous disputes asking for verification. I have received nothing. I called and advised of the difficulties this has caused. I have had the same collections removed and added back without proper notification. I am asking that the accounts be removed. I have also enclosed proof of the 3 collections, one collection is a medical bill, this violates HIPPA as there are different laws that state medical information can't be shared, and this is direct violation as it listed the bill as XXXX XXXX, without proof this belonged to me. Next, their is a service listed for XXXX XXXX, under XXXX XXXX, this has been removed twice only to be added back, without notification of attempts to place the debt back on my credit reports, this is direct violation, once it has been removed, there has to communication or writing before this can be placed back, this hasn't been done. I am asking that this be removed once more. I have reached out to each bureau and asked that this be validated and nothing. That is another violation. Just stating updated doesn't validate, there has to be proof. All XXXX agencies use their 30 days to wait only to return validate without proof or actual description other than " agency validate '' This alone would require that the debt be removed. Lastly, according to the FCRA whoever this debt belong to once the original creditor dismissed this debt, it's unfair practice to place this one my credit report, as this hasn't been proven it belongs to me. The collection agencies should have notified me, the law states it must notify me within 30 days before being placed back on again this was not done. The resolution I am seeking is to remove the collection as each agency has violated my consumer fair credit rights. Thank you.
Consumer complaint received 2021-01-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Consumer Portfolio Services, Inc. (PA)

I WAS CONTACTED BY THIS COMPANY I PREVIOUSLY SUBMITTED A HARASSMENT LETTER ASKING THIS COMPANY TO STOP HARASSING ME.THIS COMPANY IS STILL HARASSING ME FOR A DEBT THAT IS NOT MINE THIS COMPANY REFUSE TO GIVING ME INFORMATION SUCH AS MY IDENTIFICATION CARD, CORRECT SPELLING OF MY NAME AND MY ADDRESS WHERE THE LOAN WAS ESTABLISHED AND THIS COMPANY REFUSE TO PROVIDING ME WITH ANYTHING BUT HARASSING LETTER ASKING FOR A DEBT I DON'T OWE.
Consumer complaint received 2021-01-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Around the time of XX/XX/2019, I noticed a gross amount of fraudulent charges in small amounts on my XX/XX/XXXX Card that added up to approx. XXXX. At that time, when I noticed it, 8 months had passed. After being with this Bank with my credit cards, I was surprised that they did not notice the fraudulent activity and out of pattern activity Also with my card not being present!. On top of everything else, My other cards were cancelled as well!! along with my credit being destroyed! I would hate to say that this is a case of discrimination, but it appears that way. 
After numerous attempts have resulted in numerous declines unacceptable reasonings. I feel discriminated against. They were presented with a Police Report # XXXX. XXXX XXXX was negligent ( refused XXXX to acknowledging the documents. 

To be an XXXX American, Independent XXXX who works tremendously hard to achieve and maintain a great credit rating, I feel XXXX XXXX has single handedly, wrongfully assassinated my credit rating.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Hello, my name is XXXX XXXX. 
last 4 ssn XXXX address : XXXX XXXX XXXX XXXX XXXX, tx XXXX date of birth -XX/XX/XXXX I have dispute an inaccurate account on my credit report with XXXX  and Equifax. The account appears to be " OFFICE OF THE ATTY GENER ACCT # XXXX ''. I have been asking them for proof of verified and also advised them this is an inaccurate account and this account does not belong to me. FOR 5 months now the credit bureaus failed to send me proof and the courts has no record of me. This is inaccurate and this account needs to be removed. I will also file a civil complaint. The credit bureaus Equifax and XXXX failed to send me proof because they do not have it for over 180 days I been asking. This account is not my account. 
I am filing an complaint against Equifax and XXXX  because they failed to remove and inaccurate account " OFFICE OF THE ATTY GENER '' that is not my account nor can they verify because there is no record of me attached to this account. I WILL LIKE TO HANDLE IN A TIMELY MATTER PLEASE
Consumer complaint received 2021-01-12
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: Experian Information Solutions Inc. (FL)

In XXXX, I was called from the credit card company to notify me that my payment was last due. I immediately paid my account in full. In XXXX there was an interest charge of {$2.00} that I was unaware of. Due to being unaware I missed that payment which caused a late payment. I was never called nor emailed about these charges. This continued on until XXXX when I logged into my account and noticed this. I immediately paid my account in full. 

I am disputing this because to my knowledge my account was paid in full in XXXX. I was unaware of any additional interest charges and the credit card company NEVER notified me of these charges. They have always notified me in the past, and you can see by my payment history I have ALWAYS paid my credit card on time.
Consumer complaint received 2021-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

Purchased a XXXX smart watch on XXXX XXXX, 2020 for the amount of {$470.00} in Best Buy and returned the smart watch in the store on XXXX XXXX, 2020. 

The amount ( {$470.00} ) was not credited back to the original credit card. 

Attempted resolve this matter since XXXX and the fund of {$470.00} hasn't been issued.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX/XXXX  XXXX Balance Owed : {$0.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX XXXX Balance Owed : {$540.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX  XXXX Balance Owed : {$2300.00} -The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX continues to report a negative item on my credit report referencing debt discharged in bankruptcy yet they continue to report the item to XXXX Equifax and XXXX First and foremost I do not OWE XXXX XXXX any sum of money and this account is not mine. I am attaching my SECOND Notice under Section 609 FCRA which requires a creditor to produce the time and date, authorization to pull or access a credit report in addition the FCRA requires XXXX XXXX to provide copies of any and all copies or agreements between myself and XXXX XXXX. As of the submission of this complaint, XXXX XXXX has not removed the erroneous item from my credit report nor has XXXX XXXX produced any of the required items under Section 609 FCRA, which makes XXXX XXXX in violation of Section 609 FCRA. Furthermore, XXXX, Equifax and XXXX  are comp, I it in these violations due to the fact that despite being duly noticed under Section 609 FCRA they have equally failed to ( A ) require XXXX XXXX to produce the required items under Section 609 FCRA ( B ) failed to remove and or delete the derogatory report issued by XXXX XXXX based upon the failure of XXXX XXXX to adhere to Section 609 FCRA. 

This makes ALL parties in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA. The aforementioned violations constitute serious breaches of The Fair Credit Reporting Act. The violation of the Fair Credit Reporting Act requires the immediate removal of the derogatory information being supplied by XXXX XXXX with regard to my credit file.
Consumer complaint received 2021-01-14
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 continues to report a negative item on my credit report referencing debt discharged in bankruptcy yet they continue to report the item to XXXX XXXX  and Transunion. First and foremost I do not OWE XXXX XXXX any sum of money and this account is not mine. I am attaching my SECOND Notice under Section 609 FCRA which requires a creditor to produce the time and date, authorization to pull or access a credit report in addition the FCRA requires XXXX XXXX to provide copies of any and all copies or agreements between myself and XXXX XXXX. As of the submission of this complaint, XXXX XXXX has not removed the erroneous item from my credit report nor has XXXX XXXX produced any of the required items under Section 609 FCRA, which makes XXXX XXXX in violation of Section 609 FCRA. Furthermore, XXXX, XXXX  and Transunion are comp, I it in these violations due to the fact that despite being duly noticed under Section 609 FCRA they have equally failed to ( A ) require XXXX XXXX to produce the required items under Section 609 FCRA ( B ) failed to remove and or delete the derogatory report issued by XXXX XXXX based upon the failure of XXXX XXXX to adhere to Section 609 FCRA. 

This makes ALL parties in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA. The aforementioned violations constitute serious breaches of The Fair Credit Reporting Act. The violation of the Fair Credit Reporting Act requires the immediate removal of the derogatory information being supplied by XXXX XXXX with regard to my credit file.
Consumer complaint received 2023-01-26
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. (CA)

In accordance with the FCRA Laws The Credit Reporting Agencies XXXX, Equifax XXXX XXXX XXXX and all the Creditors that are listed on the credit reports where I made my dispute remarks are uploaded for your convenience, have Violated my FCRA Rights 15 U.S.C. 1681 section 602 A. - 15 U.S.C. 1681 section 604 A sec # 2.
Consumer complaint received 2020-01-04
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I received my new card for my child support and activated my card. I attempted to create an online account at www.bankofamerica.com/azdesEPC as instructed on the back of the card and with the paperwork that came with the card, but the site has been decommissioned. I called customer service at the number on the back of the card, and after a long hold I was told there was nothing that could be done. I just want online access to my account so I can know how much money is in it and transfer funds without having to pay an additional fee.
Consumer complaint received 2021-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (TN)

On XX/XX/XXXX, I paid via XXXX a refundable deposit at a car dealership from my Chime account. Provided that I didnt get a car, my deposit was supposed to be returned. After days of not getting my deposit back from the dealership, I opened up a claim via XXXX. While waiting on XXXX to investigate, I also contacted Chime support to file a chargeback. Chime quickly responded with a form to fill out. Around that time, XXXX responded to me about my claim which they escalated. Because I didnt want to cause any confusion, I didnt fill out Chimes chargeback form because XXXX had already escalated my claim. Weeks later, I received a random email from Chime stating that they gave me a {$500.00} provisional credit while they would investigate. Although a nice gesture, it was confusing because I didnt fill out the required form to do the chargeback since XXXX ruled in my favor a day before Chime gave me the {$500.00} credit. This is where the issues start. XXXX issued a refund on XX/XX/XXXX. Chime provided a credit on XX/XX/XXXX. I saw my balance reflect a {$500.00} increase. The same day Chime provided the {$500.00} credit, they literally took the credit back the same day, decreasing my balance by {$500.00}. It was almost as if they gave me the credit for an hour, then snatched it back. Thats not really the issue since I knew XXXX initiated the refund on XX/XX/XXXX, so I knew I would be getting my {$500.00} back. Or so I thought. Days went by and my balance remained the same before the credit/would-be refund from XXXX. Alarmed, I reached out to Chimes support. One agent said that he saw XXXX initiate the refund on the XXXX and that it would be reflected by the XXXX of XXXX at the latest. That never happened. Ive reached out to Chime several times, each time, I got an agent that repeated the same script. No one really tried to assist me. Ive had two agents claim that they sent my issue to the dispute department yet no one has contacted me. Ive reached out several times to no avail, while checking my account to see if I received my refund. No! Basically, Chime never gave me the refund XXXX sent to my Chime account. Chime gave me a provisional credit for hours then snatched it back, before I could even use it. This is unfair to have them hold on to the {$500.00} that XXXX returned to me. I can understand taking their {$500.00} back if they knew I would be getting {$500.00} from XXXX. What I dont understand is how they took their credit back yet never posted my actual refund. Its almost as if my XXXX refund went to Chime ONLY. Chimes only job was to give my refund to ME. Instead, theyre holding on to my money, refusing to rectify this by simply paying me what is owed to me. See attached.
Consumer complaint received 2021-01-13
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020.
Consumer complaint received 2021-01-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CT)

I am writing because I am not getting any where with XX/XX/XXXXand Equifax in regard to an dispute. I begin writing these companies since XX/XX/XXXX in regards to inaccurate information being reported from XXXX XXXX XX/XX/XXXXXXXX and XXXX XXXX Equifax XXXX. XX/XX/XXXXremoved this account when I wrote them to dispute this reporting. This account is fraudulent and I have been unable to get any resolution from the Data furnisher XXXX XXXX XXXX XXXX XXXX XXXX. I even wrote the CEO XXXX XXXX at XXXX XXXX on XX/XX/XXXX. He didn't respond to my letter requesting an investigation into my frauded application. I contacted the XXXX XXXX XXXX credit management team on XX/XX/XXXX and XX/XX/XXXX again no response. I've been writing XXXX since XXXX with no response so that why I don't understand how these credit bureau is getting verified, accurate and updated from my dispute. I can't even get a response back from certified and return receipt letter. I am no longer disputing this item and I am asking these credit bureaus that the dispute verbiage needs to be removed immediately. I just don't understand why I am being ignored from both off these companies. I am buying a house and this is causing issues with my pre-approval. Furthermore Equifax and XX/XX/XXXXis reporting wrong information on my credit report. I also wrote letter to CT Attorney XXXX XXXX again no response from them.
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX I open a claim for fraudulent charges I did not make or purchased I lost my edd debit card on a gas station and then checked in and hospitalized for about 2-3 months I came home and checked my card balance and {$2300.00} where missing I called and open a claim and they credited my account for XXXX then I get a letter saying this credit was reimbursed because my account was subject to fraud leaving my account negative and had to repay with my own benefits is kept frozen for a long time then on XX/XX/XXXX I get a letter to reopen claim for consideration I due and gets denied XX/XX/XXXX XXXX is blocked and fraud continues Im blocked from online account Have no clue of whats happening XX/XX/XXXX I get a denial letter for dispute XXXX Consider dispute close. XX/XX/XXXX the fraud claim on XX/XX/XXXX merchant reimbursed you for transaction on XX/XX/XXXX I called and they said claim is still under investigation after or before they froze my account they said the claim was on my favor and consider {$2300.00} credited permanently. Then they take the money back and now Im asked to verify my identity and they will return {$2300.00} into my account once verification is completed. That didnt happened so Im asking them to send me the statement with corrections made but I dont receive them I dont hear back and have no idea {$2300.00} have no clue because I didnt receive a letter saying they credited my account on XX/XX/XXXX is now XXXX and Im told that first claim doesnt exist second claim made on XXXX was approved and credited on XX/XX/XXXX, but I never received a card or a letter with updates and they keep allowing fraud on my account I finally get a new card and have access to online so much fraud XX/XX/XXXX skrilled took a total of {$2100.00} from my account I contacted them and was told to call boa to get my money back since it was such a long time ago I explain that my account was frozen then blocked she totally understood and she feel bad for my situation. XX/XX/XXXX I open a new claim but I already know that I wont probably get my money back. Im still owing rent for months I make boa responsible for all this financial damage cause to myself. Im very worried about someone having my ssc, green card and XXXX which was lost and are using or try to use on Texas I got a letter saying someone had try to open a electricity account presenting my documents. IRS also told me someone is using my social security and personal information for work purposes. XX/XX/XXXX I got a letter saying I received credit of {$37.00} for fees associated with a prior claim XXXX I called and representative said disregard this is for a claim that is closed then why would I receive this letter just know if claim was closed it makes no sense and they need to pay attention on the information sent out to me especially if is sensitive information.
Consumer complaint received 2021-01-13
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. (LA)

Experian continues to report a collection in the amount of {$17000.00} on XXXXXX/XX/XXXX, original creditor XXXX XXXX XX/XX/XXXX- partial account number XXXX. This account is unsubstantiated and was previously deleted from my credit report and now is reporting again. ( Please see pages attached from my credit report. ) It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, or to continue to report an item that has already been removed. This negative reporting is harming my credit score and this line item needs to be removed entirely from my credit report. I have contacted the bank as well as XXXX to remove this item however, I have not been successful.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have been trying to open a credit card through XXXX XXXX XXXX and all four times they have told me my social security doesnt match what Experian credit bureau has on file. I tried last XXXX and recently in XXXX to open a secure credit card but couldnt because of the social security card issue. I just need to update my information but I cant get a hold of anyone at Experian credit bureau.
Consumer complaint received 2021-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc (LA)

On XXXX XXXX my account was closed with Chime with XXXX balance remaining in my saving account due to suspicious activities they say I have sent copy of my social security card birth certificate copy of my identification and proof of my income still havent received my money back I been trying to get my money back still havent received nothing so I am turning to you for help this issue resolved and get my money back