davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX Date Opened : XX/XX/2018 Balance : {$720.00}
Consumer complaint received 2021-11-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAC Financial Corp (FL)

I reviewed my credit report and saw the following collection that I have not received documentation stating this debt is mine and I am not responsibile finanically for it. It affecting my ability to qualify for credit. Below is the contact information. 

CAC FINANCIAL CORP Original creditor : XXXX XXXX XXXX XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : XXXX XXXX Balance on XX/XX/XXXX Original balance {$120.00} {$120.00} Payment Info Original balance {$120.00} Balance {$120.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments- Your statements- Contact XXXX XXXX XXXX OKLAHOMA XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Consumer complaint received 2017-06-07
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. (CA)

XXXX XXXX XXXX IS REPORTING THE ACCOUNT # XXXX WITH OUTSTANDING BALANCE, WRONGFUL DATE OF EXPIRATION AND REPORTING THIS AS A REVOLVING ACCOUNT WHEN IT IS A MORTGAGE. ACCOUNT IS TOO OLD TO BE ON FILE HAS PASSED A 7 YEAR STATUTE OF LIMITATIONS AND IS IN VIOLATION OF FCRA RULES AND REGULATIONS REMOVE THIS FROM MY REPORT IMMEDIATELY AND ACCORDINGLY I HAVE CONTACTED XXXX XXXX XXXX SEVERAL TIMES WITH NO LUCK, NOW THEY HAVE CHANGED THE STATUS OF THIS ACCOUNT TO FORECLOSED WITH EXPIRATION DATE OF XX/XX/XXXX WHEN IT WAS REPORTING XX/XX/XXXX AND THEY ARE REPORING SAME ACCOUNT DIFFERENTLY TO THREE CREDIT BUREAUS ... THIS IS A VIOLATION OF FAIR CREDIT REPORTING ACT AND A VIOLATION OF FAIR COLLECTION PRACTICES. I 'M DEMANDING XXXX XXXX XXXX TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH FCPB AND FTC RULES AND REGULATIONS
Consumer complaint received 2021-11-18
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. (GA)

The following Hard Inquires are unauthorized and unverified. Per the Fair Credit Reporting Act these must be removed from the credit bureau Equifax. 

XXXX XXXX  NA Date : XX/XX/2021 XXXX XXXX Date : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2021 XXXX  XXXX  XXXX XXXX XXXX  Date : XX/XX/2021 XXXX  Date : XX/XX/2021 XXXX & XXXX XXXX  Date : XX/XX/2021 XXXX XXXX Date : XX/XX/2021 XXXX Card Date : XX/XX/2021
Consumer complaint received 2021-08-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My checking account ending in XXXX was closed back in XXXX do to a overdraft of that account which I had submitted a claim for fraudulent charges for online gaming citizen bank paid out over XXXX dollars which they billed t o my account that I disputed. the claim was never settled i was told i had to pay them back. now I being off set from other open accouts .I only have short term XXXX income this is a hardship just take my money not being made aware until after they debit my other accounts..
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST HORIZON BANK (PA)

I have apparently had a credit card account with First Horizon bank for years, but, I have never received or used their card. Once each year I reveive a bill for an annual fee of {$45.00} dollars, which is paid through my checking account with another bank. That bill for the annual fee is mailed to my home and does not include the full credit card account number, only the last four digits. 

I have tried multiple times to contact First Horizon and was once told that the account was closed. I have just received another bill, however, and I'm told that no one can discuss the account or close it for me without the credit card number, which I do not possess. At this point I'm apparently paying them $ XXXX for nothing at all. 

I don't live anywhere near a physical branch, in fact, there does not appear to be any First Horizon banks in my state of Pennsylvania. Surely there must be some way to close this account that I've never used.
Consumer complaint received 2021-11-18
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. (PA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-08-24
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. (MI)

My credit score decreased by 67 points. I reviewed my credit reports with XXXX  and Equifax ( XXXX  said I already received my free report for the year ), and I dont have any recent late payments. My credit score dipped over 100 points a few years ago from a late payment, and it took me three years to recover and increase my score up to XXXX. Now my score decreased by 67 points in the span of one month. I dont have any new missed payments and my credit utilization is low. I would like an explanation as to why it has decreased so drastically. Is my old missed payment being counted against me a second time? IIm hoping its an administrative error, but would like clarification. I cant think of another reason my score would drop so significant in a short amount of time.
Consumer complaint received 2021-11-18
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 — Investigation took more than 30 days
Company: Rocket Mortgage, LLC (LA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2021-11-18
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. (GA)

On XX/XX/21 someone fraudulently applied for a XXXX  XXXX credit card. I reached out to XXXX  XXXX and they stated I should submit a dispute to the credit bureau in order to have the inquiry removed. I submitted a dispute with all 3 bureaus. Equifax has completed XXXX disputes and will not delete the inquiry. If they do the proper investigation they will be able to receive the information to verify in fraudulent inquiry from XXXX  XXXX. XXXX has not opened a dispute or responded to any request.
Consumer complaint received 2022-02-17
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. (NY)

1. XXXX XXXX is reporting the following accounts removed which clearly is not true. XXXX XXXX is reporting accounts removed but the accounts are still listed on my XXXX XXXX  XXXX and equifax profile : XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX is fraudulently reporting XXXX XXXX with remarks updated and added. There are no remarks and no updates
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/2022 a check was mailed to American Express in the amount of {$5700.00} to pay the balance in full from the title company my wife & I used to close on our home. One month after the payment hadnt posted, my wife contacted the title company and had another check printed in which that check was overnight XX/XX/2022. American Express never applied the check to the account because they claimed that the never received Check # 1 or Check # 2. For the third time, we had the title company give us a third check in which the check was overnighted again and received by American Express on XX/XX/2022 and the account was not credited. A third check went out on XX/XX/2022 overnighted signed for same issue American Express never received the check. The title company informed us by via phone that American Express cashed the first check from XX/XX/2022 date a whole month later and two other checks missing and as of today, the account has not been credited after the check was cashed. Where is our money. Because of the outstanding balance, it has caused issues with me getting approved for a car loan. American Express has no idea where the money is
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a BOA credit card with an intro 0 % rate. One charge was placed on the card since opening, and payments were made consistently and on time for months up until XXXX, 2023 when I tried logging in to make my next month payment. I found out BOA closed my credit card account ( to my surprise ) without notice due to " fraudulent activity ''. I never marked anything on my account as " suspicious '', there was only ever 1 transaction made and payments since then. 

After spending countless hours on the phones with incompetent representatives, getting transferred to managers and escalating the matter to figure out why they did this and what I can do to ( at the very least ), make my monthly payments... there is still no solution. 

At this point, BOA closed my credit card, however they are still collecting on the debt owed ( which I completely understand ). HOWEVER, they do not provide me, as the consumer, with basic information pertaining to my balance, due date, minimum monthly payment, etc AND do not provide a reasonable method to remit said payments. 

This is extremely predatory. 

How can you close a consumer 's account without notice, find out the account was closed incorrectly, force the consumer to pay the debt owed BUT DO NOT PROVIDE A REASONABLE MEANS TO REMIT PAYMENT AND ACCESS TO BASIC INFORMATION OF THE DEBT OWED? 

I want to pay my debt. I am only asking to have clarity on the balance owed, due date, and minimum required payment, along with a reasonable method to remit payment.
Consumer complaint received 2022-12-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. I have already disputed the items below with the credit bureau 's but they did not remove then. 


XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX Account XXXX : XXXX Please remove it from my credit report
Consumer complaint received 2017-06-07
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. (LA)

I have several hard inquires that I did not authorize showing on my credit report. I have sent letters to Transunion regarding this issue and called them on  XXXX   XXXX ,   XXXX   and spoke with an Agent. I advised him that the hard inquires listed ( see below ) was not authorized by me and I have made several attempts to have them removed. There is no signed paperwork or documents proving that I submitted applications with any of the company 's listed below. Per FCRA the credit bureau must report accurate information and investigate when the consumer request and investigation. None of this was done and Transunion is in violation of the FCRA due to this issue. Please assist with removing the unauthorized inquires below ....       XXXX   XXXX   XXXX   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 2021-11-18
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The 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 incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Date of Birth : 1985
Consumer complaint received 2022-08-16
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. (LA)

XXXX XXXX Date open XXXX XXXX {$1200.00} XXXX a victim of identity theft and this account was not created by me. Account published by XXXX and XXXX. 

XXXX XXXX Bank XXXX. XXXX Date open XXXX XXXX {$660.00} XXXX a victim of identity theft and this account was not created by me. Account published by XXXX.
Consumer complaint received 2021-08-24
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. (MS)

on XXXX my XXXX XXXX ACCOUNT # XXXX XXXX, was closed on my report and it should be open on the bureaus instead of closed. i paid the balance down, been on time every month, and it drop my score 7 points as well
Consumer complaint received 2017-11-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BOK FINANCIAL CORP (CA)

XXXX, a division of BOKF, NA ( the " Bank '' ), is the trustee for a Special Needs Trust ( the " Trust '' ) which was established for the care of a XXXX injured individual ( the Decedent ) who XXXX away suddenly and unexpectedly in XXXX XXXX. The Bank is in regular communication with the father and caretaker of the Decedent ( the Caretaker XXXX, and knows the Caretaker gave up employment opportunities and dedicated himself to the care of his now-deceased son for the last decade. The Bank knows that the Caretakers sole income was a stipend he earned as Caretaker, which the Trust stopped paying after the XXXX of the XXXX. The Caretaker is the primary beneficiary of the Trust.
The Bank has unfairly and unreasonably delayed closing the Trust and disbursing the remaining funds to the beneficiaries of the Trust. The Bank has also refused to reimburse the Caretaker for trust expenses the Caretaker paid out of pocket over the last decade. The Bank misled the Caretaker by indicating it would reimburse his expenses after paying a healthcare lien, yet the lien was paid in  XXXX XXXX and the Bank has not reimbursed the trust expenses paid by the Caretaker. 

In addition, the Bank refuses to communicate with the Caretaker about basic daily administrative items such as vehicle and home insurance for Trust assets. Caretaker lives in a home owned by the Trust and drove a vehicle owned by the Trust until he was forced to report it as a planned non-operational vehicle based on a lack of communication from the Bank about auto insurance. 

The Bank is unreasonably and wrongfully delaying disbursement of the Trust proceeds to the beneficiaries. It is unfairly maintaining control of Trust assets and has made deceptive representations about reimbursing the Caretaker. The Bank is required to file a final accounting in order to dissolve the Trust, has not done so over nine months after the XXXX of the Decedent, and ignores all inquiries about when the document will be filed. 

In fact, in the last communication it had with the Caretaker, via e-mail on XXXX XXXX, XXXX, the Bank admitted it was having difficulty complying with California regulations because it was unfamiliar with California law, stating, I am trying to get this wrapped up as quickly as I can, but am not as familiar with navigating the California rules as I am with Kansas or Missouri. As such, it appears the Bank is misleading consumers by offering services in numerous states when it is unqualified to do so in a competent manner.
Consumer complaint received 2021-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2021, several transactions occurred involving my debit/ATM card. There were XXXX charges using the debit card at various XXXX and XXXX ATM withdrawals from Chase branches XXXX All of these took place in cities/towns distant from where I was working at the time. Chase notified me that there was suspicious activity on that same afternoon and I immediately responded asking that the card be XXXX. My Debit/ATM card was in my possession the entire time. Whatever was used during the transactions had to be a fake card. The next morning I notified the XXXX XXXX Police Department ( XXXX # XXXX ). There is a related case ( # XXXX ) with the XXXX XXXX XXXX XXXX 

The total amount of the fraudulent charges was {$2400.00} and an additional {$4000.00} was taken from the Chase ATMs. Initially Chase refunded the entire {$6400.00} to my account, but then they reversed themselves saying that the charges were not fraudulent, but that they were authorized. I have repeatedly contacted the bank in many different ways to explain that the charges were not legitimate. I have presented documentation that at the time the events took place, I was in a secure facility an hour XXXXs drive away. I showed a long pattern of use of the card. In addition the police requested and received a subpoena for video surveillance data from the Chase branches. Chase has replied that they can not produce the video evidence. Even though I have multiple accounts with the bank and have been a customer in good standing for many years, Chase refuses to consider the additional information insisting that the card could not have been cloned. There are many references showing that it is possible to fake an ATM card. 

In summary, through no fault of my own, improper, fraudulent charges were made against my account. Yet the bank refuses to acknowledge this. As an account holder, I have no leverage to get Chase to fairly consider all of the facts and take the proper action. Can the CFPB help me get this issue resolved?
Consumer complaint received 2021-11-18
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: JPMORGAN CHASE & CO. (GA)

I have a problem with chase and XXXX XXXX XXXX right now I made a payment arrangement for the date XX/XX/XXXX and it was approved from XXXX XXXX XXXX confirmation # XXXX for XXXX was confirmed and drafted and then refunded XXXX days later due to chase from what XXXX XXXX XXXX said. Then XX/XX/XXXX after i found out the payment failed i paid through the app again with the confirmation # XXXX for XXXX and this one went through. The second split payment for XXXX i paid and was given a confirmation # XXXX on XX/XX/XXXX then i was once again called on theXX/XX/XXXX sayin it once again failed when i have money in my account. After this i called and i talked to XXXX from XXXX XXXX on the XX/XX/XXXX and she said the there was no declines in the account which was the second suspicious thing from this then thirdly I was called this morningXX/XX/XXXXby XXXX & XXXX and they asked if I could pay and i told them im not making another payment until I find out what is going on with my account and said I was making a complaint to the consumer finance division. She then said that the payment was coming from an account that was closed 3 months ago, when i look in the app underneath payment methods the only payment method was my Chase business card ending in XXXX. I just want to know what it going on with my account and my money and where it is at..