davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (MI)

I was contacted about a collections account and I reached for verification of debt and explicit request to make sure this was verified and not reported to my credit pending proof. 

Company did not respond nor verify and have the information on my credit. Will sue if not removed immediately
Consumer complaint received 2018-01-13
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: EQUIFAX, INC. (KY)

Equifax refuses to follow through with a dispute regarding a XXXX year old account that has n't had any new reporting on since XX/XX/XXXX. When I told them that even the Equifax website says regarding Fair Credit Reporting that " Negative accounts that are 7yrs old ( or bankruptcies older than 10yrs old ) are to be removed. '' Equifax argued with me that the 7yrs begins with the 1st negative remark. No where does it say that, it says when the account reaches 7yrs old. In XXXX I asked for the account to be removed citing the same rule, and it was. However, when the company reporting the account updated the reporting 2 months later it was reinstated.
Consumer complaint received 2019-07-02
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. (NV)

There are several accounts which appeared on my credit report without my knowledge. I did not open the accounts, I am not related to any transactions that were made on the accounts.. I asked Transunion where did they get this information but they just gave me a print out showing its verified. This is not enough justification that the accounts are mine.. There is no proof or a contract with my signature that I am the correct party responsible for the accounts.
Consumer complaint received 2018-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had an E-Banking account at Bank of America for a few years. It was a free checking account with no minimum balance requirements and no monthly fee. I was receiving online statement notifications until XX/XX/XXXX, and then there were no email notices again until XX/XX/XXXX. During that time, BOA claims to have changed the terms of my account to a Core checking accounting with a $ 12 monthly fee. I had {$20.00} in the account for many months with no fees, as I was not using the account due to an inoperative ATM card. I contacted the bank by phone and I went to bank in person to try to get a working ATM card, but I never got one that worked. Then, around XX/XX/XXXX/XX/XX/XXXX, BOA started charging my account {$12.00} per month, until it became a negative balance. They took my money without notifying me of the change of terms. I checked my emails and there was no notice. I did not receive a paper statement, either, until XX/XX/XXXX, at which time the bank sent me a statement showing my account has been closed. Since they closed my account, I can not log into the online portal to look for any notices or the account history. I think that they should allow me to have access to the online period for several months after closing the account so I can check the records. I called BOA to try to get my money back, but they said they would not give my money back since the account was now closed. I told them that I did not receive notification of the change in terms, and the representative said he did not believe me. He said the balance was insignificant, at which time I reminded him that it was my money and it is important to me. He said it is the customer 's responsibility to read the notices. I reminded him that I did not receive any notices and I said that the bank should make more of an effort to notify people of such a significant change. I want to get my money back and I want to make sure they can not do this again to other people.
Consumer complaint received 2022-06-01
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. (NJ)

These inquiries in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC. I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. please see enclosed documentation.
Consumer complaint received 2022-06-01
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX Account # 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 consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-07-02
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: EQUIFAX, INC. (NV)

There are several accounts which appeared on my credit report without my knowledge. I did not open the accounts, I am not related to any transactions that were made on the accounts.. I asked XXXX   where did they get this information but they just gave me a print out showing its verified. This is not enough justification that the accounts are mine.. There is no proof or a contract with my signature that I am the correct party responsible for the accounts.
Consumer complaint received 2022-06-01
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. (IL)

I've written to this creditor to inform them that they have placed inaccurate information on my credit report. I've also asked for proof, which I am entitled to, showing that I signed an agreement taking out credit/debt with this organization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Account number XXXX To date, I have not received proof of signed contract with this company. My last correspondence with this organization was XX/XX/22. Since this time, I have waited over 45 days and they have failed to provide an updated correspondence and proof of re-investigation. This company in fact was in violation of the FCRA when they failed to respond to me within 5 business days to let me know that they were working on a response. 

I am requesting that this account be deleted immediately and that XXXX and Transunion update the credit report expeditiously since I have already disputed this item multiple times. I also would like a copy of the investigation that XXXX and Transunion performed.
Consumer complaint received 2022-06-01
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: Professional Placement Services, LLC (IL)

I've written to this creditor to inform them that they have placed inaccurate information on my credit report. I've also asked for proof, which I am entitled to, showing that I signed an agreement taking out credit/debt with this organization : PROFESSIONAL PLACEMENT XXXX XXXX XXXX XXXX XXXX, WI XXXX Account number XXXX To date, I have not received proof of signed contract with this company. My last correspondence with this organization was XX/XX/22. Since this time, I have waited over 45 days and they have failed to provide an updated correspondence and proof of re-investigation. This company in fact was in violation of the FCRA when they failed to respond to me within 5 business days to let me know that they were working on a response. 

I am requesting that this account be deleted immediately and that XXXX and XXXX update the credit report expeditiously since I have already disputed this item multiple times. I also would like a copy of the investigation that XXXX and XXXX performed.
Consumer complaint received 2021-11-16
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a dispute for unauthorized transactions on XX/XX/2021. The amount was XXXX that dispute was denied twice. And they have video of transactions being committed by some one else. I have tried to resolve the issue with the bank. But they denied me. ( Bank Of America ) i have sent them the police report and identity verification.
Consumer complaint received 2019-06-19
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. (NC)

My account have been paid in full for over 60 days now and my credit file is not reflecting this change. I have reach out to the bank and I was told by an agent that they have report to the credit bureaus that the account have been paid in full.
Consumer complaint received 2023-02-21
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. (AR)

I am submitting this CFPB Complaint to let you know that upon obtaining a copy of my updated Credit Report, you have failed to comply with my previous request and you continued reporting the disputed items as if they have been verified. I requested that you remove the disputed accounts and information that resulted due to my identity being stolen in accordance with the Fair Credit Reportin Act section 605b. However, I see here that you are still repoting the disputed accounts like they were accurate and yet you have not sent me any documents to support your claims. Please comply with the Federal law and have the disputed items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you believe that the disputed items belong to me, I request you to please send me any documents you found proving that the disputed items are legally mine. If you fail to provide these documents within the time allowed by law, I expect immediate deletion of the disputed items.
Consumer complaint received 2022-12-18
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. (TX)

As of XX/XX/2022 Experian Credit Bureau dropped my score by XXXX points from XXXX ( XXXX ) separate collection notations but ALL XXXX from same collection company for the same original creditor XXXX XXXX . All XXXX items {$75.00}, {$330.00}, {$190.00} could not be mine because I was not present in Colorado at XXXX on alleged service dates! I've requested the XXXX items from the same company be removed deleted immediately but Experian Credit Bureau refused! Last year the same collection items were listed, I disputed & they were proven inaccurate & DELETED. Now, XXXX later and the same XXXX items from the same collection company are listed AGAIN! The collection company refused to remove or verify the debt. Experian refused to verify and delete the false claimed debt! Please help?! I thought it was over last year but now it's back. I don't know what to do?! Also, isn't medical debt under {$300.00} or {$500.00} NOT allowed to be listed on credit report by law?? Even if it is allowed, it's not me or my debt & was already removed last year but now listed AGAIN. Please help me know what to do?!
Consumer complaint received 2022-06-01
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. (UT)

I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The Inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TRANSUNION COLLECTIONS : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$200.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Balance {$0.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-21
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. (OH)

I have tried to resolve these issues with the credit reporting companies and i have had no help and this is stopping me from buying a home. Please see accounts below XXXX  account number # XXXX for {$580.00} XXXX XXXX Account Number # XXXX for {$0.00}, its a charge off thats not mine XXXX  account number # XXXX collection that not mine either
Consumer complaint received 2019-07-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TCF NATIONAL BANK (CA)

I received a copy of my credit report and noticed the company gateway one lending is not updating the balance on my credit report the company is not reporting my payments the balance on the account is still showing high and I have been making my payment please look into this company I think they are not reporting that my balance is decreasing so that other car lender won't finance me I dont think its right I have been making my payments and they are not reporting them to the credit bureaus
Consumer complaint received 2022-12-18
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. (GA)

Accounts are as followed incorrect, and adversely affecting my livelihood. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-18
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX 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 2022-12-18
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. (GA)

In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXXhas 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 2024-04-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (WA)

I received financial recommendations in XX/XX/XXXX by my personal banker, XXXX, at the Chase Bank located at the XXXX XXXX XXXX and XXXX XXXX branch in XXXX, WA, which entailed opening a Private Client account ( linking checking and savings ) with an inheritance I received from my mother 's estate. 

In XX/XX/XXXX, I had a large tax bill which dropped the balance of the savings account below the threshold for this particular type of linked checking/savings. 

I continued to receive emails from Chase which discussed my financial options available to me through said Private Client accounts. 

I did not discover until XX/XX/XXXX, that my checking account was being charged {$35.00} a month as the saving account 's balance had dropped below the $ XXXX threshold for this particular type of linked accounts. 

XXXX, my banker whom I had been working with since XXXX, told me that I should come in and we would change the type of account I was in, thereby, getting rid of the XXXX XXXX monthly service fee and that she would refund me the accrued service fees back to XXXX when the savings account balance went below XXXX. She said there was no rush. 

Life, unfortunately, intervened and I was never able to circle back to XXXX until XXXX of XXXX, when I learned that my XXXX XXXX XXXX and XXXX XXXX branch had been closed and that XXXX had transferred to a Chase branch in California! 

I hooked up with another Chase branch, XXXX XXXX and XXXX XXXX XXXX, and they have refused to honor the agreement XXXX committed to in XX/XX/XXXX. The new branch manager, XXXX, refunded XXXX month 's worth of fees. 

This is a fee accrual of {$350.00} ( 10 months ) which I feel they should refund me, as I was not notified that these fees had been triggered, and my personal banker of long standing, XXXX, had relieved my concern regarding the accumulation of these fees by committing verbally to sort this problem with me. As XXXX had always been a reliable financial partner, I had no reason to feel that this would not be resolved. 

This Chase checking account is used only to receive my XXXX direct deposit and my rent payment. Therefore, my eyes on this account are pretty much non-existent as there were only XXXX transactions happening in this account every month. 

I believe that Chase should be compelled to honor the remittance of the service fees as my banker, XXXX, laid out for me, in addition to, compensating me for my time lost while trying to resolve this matter.
Consumer complaint received 2022-06-01
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)

On XXXX/XXXX/2022, I sent XXXX and Transunion letters to dispute inaccurate information on my credit report and demanding verifiable proof that they have on file. Once 30 days went by, and I realized I did not receive any proof that I requested and those negative items were still showing up on my report, I decided to submit this complaint. On XXXX/XXXX/2022, I also sent a letter to the above mentioned bureaus letting them know that I did not receive a response as requested and that I would be submitting a complaint to the FTC. Please see the accounts listed below : - XXXX Account Number : XXXX - XXXX XXXX  Account Number : XXXX