davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been requesting methods of verification on certain items on my report from transunion, XXXX and XXXX credit bureaus and have filed several disputes and they keep coming back as verified. I did some investigating and found out they are using third parties to obtain information that may or may not be true. I have a total of seven items in question that need to be removed from my credit reports ASAP. The items are as follows 1. XXXX XXXX, I am unaware of this account. 2. The XXXX XXXX XXXX, I am unaware of this account. 3. XXXX XXXX XXXX, the information being reported is wrong because the dates and amounts don't match. 4. XXXX XXXX information is reported wrong because the dates are wrong and it was not a repossession the item was sold. 5. XXXX  unaware of account. 6. XXXX XXXX XXXX I do not owe this debt, they are reporting as a charge off and still reporting an amount owed. They have been paid in full! 7. Chapter XXXX bankruptcy, requested them to tell the method of verification they used to verify this item, they stated the courts but I have proof from the court they don't give information to credit bureaus. I have been dealing with these issues for several years now and nothing is being done to correct anything. I have disputed by mail and phone. I know my rights with the fair credit reporting act and if they don't remove these items I'm prepared to file a lawsuit against them within a 15 business day time frame.
Consumer complaint received 2019-06-18
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: ONLINE Information Services, Inc. (TN)

I had XXXX dispute a duplicate account with Online Collection Company 3 times and each time they came back stating the accounts were both validated. I knew this was an duplicate from the beginning and I contacted the company that placed the account in collection myself. They sent me the only bill ( 1 ) I have ever had with them and have no clue of two Bill 's. This tell me XXXX do not throughly investigate and solely went on the collection agency word and because the collection agency could not provide me with two bills.
Consumer complaint received 2019-06-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (MS)

I want to close my checking account with TD Bank. I have tried numerous times to get my money out of the account. The latest instance, I called the bank to reactivate the account. After a lengthy time on the phone, the representative told me they reactivated the account and that I must make a transaction in order to keep it active. 

Afterwards, when I logged into my account to make a transaction I discovered I was restricted from making any transactions including bill payments and transfers to my other bank accounts. 

I emailed the bank, asking them to close my account and send me a check for the account balance. They sent me a message directing me to send them a signed and notarized letter. I am not going to do that. I want my money returned to me immediately! This bank 's actions are outrageous. They do not have the right to keep my money.
Consumer complaint received 2016-07-15
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (CA)

Citibank charged me a returned check fee on a paycheck citing " unable to locate account '' as the reason. This does not make sense, as they were provided the original, undamaged paper check. Other payroll checks submitted to Citibank at exactly the same time as the problem check also originating from the same employer/same account were successfully deposited into my newly established savings account ( opened XXXX2 weeks ago ). 

As this error is due to Citibank 's lack of thoroughness and the actual check was in their possession, I feel that fees generated by their inability to locate an account that was located for similarly issued, clearly typed paychecks at or around the same time, are due to the result of their actions. I should not have to pay for Citi 's incapability to perform basic banking duties. This was not caused by transmission/transcription errors ; it 's simply not my fault. 

My employer remarked on the poor copy of the check Citi provided me. The check is valid. I am unsure how they made such an illegible scan. I refuse to pay Citi 's unfair {$12.00} fee for their lack of accountability. 

As I have only recently opened this savings account with them, I would like to now close my account without incurring any fees if there are any for early closure XXXX {$25.00} if closed within 90 days of opening? ) due to this negative experience immediately after opening an account. I can only anticipate more unjust and inane fees and would like to sever my banking ties early. This is not worth the frustration when several consumer friendly options exist. 

Thank you for facilitating this communication. I appreciate the CFPB.
Consumer complaint received 2019-06-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

In XXXX, XXXX, XXXX of XXXX after phone conversations with Capital One and XXXX XXXX they informed me the court dates scheduled in months above to collect debt would be canceled, allowing me more time to resolve the debt. I contacted XXXX District Court who confirmed dates were canceled by creditors, I was not required to appear. However, Capital one ( in XXXX and XX/XX/XXXX XXXX and XXXX XXXX. ( in XX/XX/XXXX ) did appear in court on these dates and received default judgements, since I was not in appearance. judgement for Capital one XX/XX/XXXX {$6100.00}, XX/XX/XXXX {$2400.00}, XXXX XXXX XX/XX/XXXX {$2800.00}, please see attached. I did not have knowledge of the judgements until XXXX, they appeared on my credit reports. I contacted XXXX, XXXX, XXXX XXXX in XXXX to inform them and assumed they were resolved, the judgements disappeared from, annual credit report and the credit monitoring service I pay directly to XXXX, XXXX, XXXX XXXX. These judgments still do not appear on any report I have access to. I applied for a mortgage in XX/XX/XXXX and XXXX, and was shocked and blindsided to learn these judgements .were reported to this lender and on my credit reports the lender obtained from all 3 agencies. They reported the judgements I was led to believe were deleted after I informed them of Capital one and XXXX XXXX 's actions and how they obtained these judgements.
Consumer complaint received 2019-04-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (PA)

Good morning, Positive this is review is without bias and or inclusion, I would like an explanation why my voluntary child support and my child support is not being considered. My son turns XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. 
Attached you will find a copy of my sons state ID. I have submitted my concerns to the CFPB, just to make sure I receive that your policy is inclusive and there are no bias based on protected class. You repeated the payments must continue for three years, but confirmed the income would not be considered bc he will be XXXX in less than 3 years. Not to mention, his father confirmed he resides in the property and will continue to the household beyond the threshold quoted. 
36 months o There are 36 months from XX/XX/XXXX to XX/XX/XXXX According to the mortgee document below it states : https : //www.fha.com/fha_article? id=883 How are  voluntary payment arrangements for alimony or child support documented? 

The Mortgagee must document the voluntary payment agreement with 12 months of canceled checks, deposit slips, or tax returns. The Mortgagee must provide evidence that the claimed income will continue for at least three years. The Mortgagee may use the front and pertinent pages of the divorce decree/settlement agreement and/or court order showing the financial details.
Consumer complaint received 2018-02-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paul Michael Marketing Service (NY)

I received a letter from Paul Michael Marketing without ever having received a bill from XXXX XXXX XXXX, which had forwarded the collection agency my information. I called Paul Michael Marketing and was unable to get through to them after many attempts. Several months later, I received a bill in the mail from a medical lab for {$14.00}, which I paid immediately. The bill had been lost in the mail and I had not been contacted to pay in any other way. This has tarnished my credit score at no fault of my own.
Consumer complaint received 2019-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had {$380.00} in my checking account with Bank of America. I paid off my Bank of America credit card bill of {$380.00}. Somehow the card got paid off twice. Now my balance was - {$380.00} on my credit card and - {$310.00} on my checking account. This resulted in my checking account having a negative balance. My debit card recieved an overdraft protection of {$400.00} which was a cash advance from my credit card, in order to pay for my credit card twice. To summarize I paid once on my credit card, got charged twice which gave me a {$12.00} overdraft transaction fee and a {$3.00} interest fee on the cash advance. I called Bank of America and they refunded me my {$380.00} back.
Consumer complaint received 2019-06-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica (TX)

( ( XXXX XXXX XXXX Family Trust w/Comerica-XXXX ) ). XXXX XXXX XXXX XX/XX/XXXX D.O.D XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX Tx XXXX. XXXX XXXX XXXX trust. XX/XX/XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Client # XXXX XXXX XXXX XXXX person in XXXX XXXX for the Trust XXXX informed it is over when my husband past away. Called comerica XXXX XXXX relationships Mgr XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX told me XXXX. would contact me. XXXX XXXX XXXX Trust & Estate advisor comerica Trust wealth MGT XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, MI XXXX. I kept calling everything took forever. Mr. XXXX contacted me to send bills. He paid nurses rest of bills went back and forth. Got tired & called XXXX XXXX Trust Adm. XXXX comerica XXXX. XXXX XXXX Mi XXXX called & returned call 3 way w/XXXX from N.Y informed me I was not client. I am the wife & exec.will. He left me stocks bonds cash and 1/2 houses. They hired XXXX XXXX new XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX Tx XXXX ( XXXX ) XXXX. My relationship w/daughters destroyed. Will not pay secured loans prop. Tax Ins & recently pd XXXX/XXXX. I can not get XXXX/XXXX CC & lost benefits. This is a XXXX Trust & I am responsible ( XXXX ). Tax Comerica also missed paying XXXX XXXX in Tax & we were Penalize XXXX XXXX int/penalties.This is the worst experience Im my husband voice. He went to law school to see how to get rid of the trust that he could not trust. We never met or talk to the people handling my husbands family trust. I felt disregarded & bullied at the aged of XXXX. I pray and hope know one else go thru this kind of neglect and abuse.
Consumer complaint received 2023-04-09
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality inder 15 USC 1681. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX : Acct # XXXX, XXXX. XXXX XXXX : Acct # XXXX, XXXX  XXXX NJ XXXX XXXX Reference # XXXX, XXXX XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX : Acct # XXXX. 

XXXX5 U.S.C 1681 section 602 A. Section 2 : Its also states a consumer reporting agency can not furnish a account without 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 2022-09-03
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)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Balance $ XXXX XXXX XXXX Balance {$7100.00} XXXX  XXXX Balance {$10000.00} XXXX XXXX XXXX  XXXX Balance {$7900.00} XXXX XX/XX/XXXX US SM BUS ADMINODA XX/XX/XXXXXXXX XXXX XXXX  XXXX Balance {$2700.00}
Consumer complaint received 2021-02-16
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: ALLY FINANCIAL INC. (OH)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
ALLY FINANCIAL Inquiry : XXXX XXXX, 2020.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX continues to list improper information on my credit report. I have never had a loan with them, have never had a loan transferred to them, and have had extensive telephonic recordings and emails related to their illegal and fraudulent actions. I am getting ready to sue them in District Court in  California for {$20.00} XXXX dollars, if this is not fixed immediately. I will not wait more than thirty days. This has been an ongoing process, and throughout the duration, they have created two fake Master Promissory Notes, released my information to a scamming private, third-party debt collection agency, called XXXX XXXX XXXX , XXXX, and lied about being XXXX XXXX, which is a non-existent company. They have engaged in identity theft and fraud, and I do not want their name on my credit report. I have had no contracts with them and have not engaged in any business with them. Further, I did not have student loans. In addition, the information listed is absolutely impossible ( PDF copy included ). XXXX claims that I have a loan originated in XX/XX/XXXX and another originated in XX/XX/XXXX. I was not in college in XXXX, and as I'm sure you can imagine,  most colleges don't begin in XXXX. The loan amounts exceed Federal Loan Maximums, and would have been processed as one loan, not two. Everything they've done is wrong. I expect this to be removed immediately, and I intend to exercise my legal rights and sue them to make that happen.
Consumer complaint received 2016-08-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

Hi, Couple of Months ago I subscribed to an offer I received from Citibank XXXX XXXX ) : If I opened a CitiGold account and met all requirements, I would receive XXXX XXXX XXXX Bonus points. 
I called Citi and they confirmed I was eligible to this offer as I had a Citi XXXX Platinum Credit card ; this was also confirmed by XXXX of their Agent during an Online chat. 
Requirements were : Open a new Regular Checking account in the Citigold Account Package by XXXX/XXXX/15. 
Within 60 days after account opening : complete Qualifying Debit Card Purchases of {$1000.00} using the Citibank Debit Card which must be posted to the new checking account. 
And XXXX qualifying bill payment must be posted to the new checking account each month for two consecutive calendar. 
When I met all criteria, I contacted Citi via Online Chat, and was told that all conditions were met on my side, and points would be posted in couple of weeks. 
As I did not see any evolution after two months, I contacted them once again last Month, and they told me that finally I was not eligible. 
I am a bit suprised since I had several acknowledgment from Citi that I was eligilble for the offer and I would not have opened this account otherwise.
Consumer complaint received 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2018-06-18
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: CITIBANK, N.A. (CA)

In early XX/XX/XXXX, I contacted XXXX  about an erroneous item regarding Citibank about an unresolved dispute dating back to XX/XX/XXXX. XXXX  said I needed to contact Citibnak. I contacted my credit card provider, Citicards about the erroneous report on my XXXX  credit report showing an unresolved dispute dated XX/XX/XXXX. Citibank confirmed there were no outstanding issues and that I needed to write a letter requesting resolution to Citibank XXXX XXXX XXXX XXXX XXXX, SD XXXX with the appropriate details. The Citibank rep said with my letter, Citibank would send notification to XXXX  to clear the item. 6 months later, I have not had any response from Citibank and the incorrect unresolved dispute from XX/XX/XXXX is still showing on my XXXX  report. I called Citibank today and I spoke with XXXX, " the building dispute supervisor. '' XXXX was particularly unhelpful and told me to contact XXXX  and that Citibank could not be of service and completely contradicted the instructions I had received from Citibank 6 months prior. I requested a letter from Citibank confirming there were no outstanding disputes dating back to XX/XX/XXXX but XXXX refused to be of assistance. It has been my experience that customer service has declined markedly at Citibank in recent years and any issue requires multiple emails and phone calls and escalation to higher management to get simple matters resolved.
Consumer complaint received 2023-04-09
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. (GA)

Account XXXX XXXX XXXX XXXX, in which I did not open, is showing on the credit reports associated with my social security number inaccurately as per the following information : Account Status : The status of the account in XXXX and Equifax is open, while in XXXX, it is closed. 

Payment Status : The payment status in XXXX and Equifax is late by 60 days, while in XXXX, it is late by 90 days. 

Last Reported : The last reported date in XXXX is XX/XX/2023, while in XXXX, it is XX/XX/2023, and in Equifax, it is XX/XX/2023. 

The credit report 's inconsistencies violate Section 611 ( a ) ( 5 ) and 611 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ). Section 611 ( a ) ( 5 ) requires that credit reporting agencies report the correct account status, which includes whether an account is open or closed. The inconsistency in the account status between XXXX and XXXX violates this section of FCRA. 

Section 611 ( a ) ( 6 ) requires that credit reporting agencies report the correct payment status of an account. The inconsistency in payment status between XXXX and XXXX violates this section of FCRA. 

The credit report 's inconsistency in the last reported date violates FCRA Section 611 ( a ) ( 2 ), which requires credit reporting agencies to report the most recent date that an account was reported to them. 

Overall, the credit report 's inconsistencies show that the credit reporting agencies have not maintained accurate and complete information as required by the FCRA.