davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was married for 20 years and used a hyphen with my last name. Because computer systems don't accept hyphens, my name appeared in a multitude of inaccuracies on credit reports. I have been divorced for nine years and have returned to my maiden name. All open accounts are under my current name. Through the month of XXXX I have been on websites, made phone calls and sent proof of identification to all three major credit reporting agencies. The goal was to remove all names but the name I have held for the last nine year. Two attempts have been made to get credit cards under one of the inaccurate names. The credit reporting agencies are reluctant to remove names because of past credit attached to those names. However, some of those inaccurate names have no credit attached to them. My social security card has only ever had two names associated with it. For agencies that are supposed to protect us, they allow an awful lot of false information. One report had phone numbers associated with my account that I have never had or provided to the agencies. I have had one employer since 1982 and yet I had the Soc. Sec. Admin., a collision repair company and an individual listed on my report as employers. One agency told me that if a past creditor wants to make an inquiry under one of the former ( inaccurate ) names, that the inaccurate name can be added to the report again. And, as if that weren't bad enough, it would be up to me to contact each company making the inquiry to correct my name. No agency told me about opting out of such inquires. I found the opt-out information on General Summary of Rights Under the FCRA. Unfortunately, I'm not sure that it worked or helped in eliminating inaccurate information. I repeated my address about ten times and the best I could do was get XXXX XXXX from the system, when it really should have been XXXX XXXX XXXX. Unfortunately, no option to speak to a person was ever offered. My complaint is not necessarily with one company, it is more with the system that has allowed these companies to charge for services to prevent fraud and yet they assist with the commission of fraud by not doing their due diligence in making sure that inaccurate information in never allowed on a credit report. Aside from me spending one month every year correcting inaccurate information on my profile with each credit reporting agency, what other options do I have?
Consumer complaint received 2017-07-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Upon being denied from a lender for too many inquiries from TransUnion report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my TransUnion credit report that I DID NOT authorize and had no knowledge of. I contacted TransUnion immediately and was given no relief. I also have a fraud alert already in place which should avoid any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.     1.   XXXX   date   XXXX   2  XXXX   XXXX   date   XXXX   3.   XXXX  date  XXXX   4.   XXXX   date   XXXX     5.   XXXX  date  XXXX   6.   XXXX  date  XXXX  7.  XXXX   XXXX  date  XXXX
Consumer complaint received 2019-01-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (MA)

In connection with closing on a home, approximately $ XXXX of funds were wired by Citibank from our checking account on XX/XX/XXXX per the instructions received from the intended beneficiary ( closing law firm ) but were not received by the receiving bank. The funds were apparently received by a different bank, which bank returned the funds by wire to our Citibank checking account the next day ( XX/XX/XXXX ). After consultation with Citibank, a " XXXX '' was added before the beneficiary 's account number and a second wire ( of the same amount ) was commenced on XX/XX/XXXX and the funds again left our account. As of the morning of XX/XX/XXXX the funds from the second wire have not been received by the receiving bank or the beneficiary, nor have the funds been wired back to our account. Traces sent on XX/XX/XXXX and XX/XX/XXXX by Citibank have not been received by the intended receiving bank. On XX/XX/XXXX the beneficiary executed an affidavit certifying that the wire information provided to Citibank was correct and certifying, as of that date, that the funds had not been received by the beneficiary. On request by phone Citibank did not provide the name of the regulator to which a complaint could be submitted and instructed to call the Wires Department.
Consumer complaint received 2022-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

FCRA section 609 letter sent to bureau and Experian did not provide actual documentation as requested. Bureau simply asked a creditor if a debt is owed. Actual contracts and documentation needs to be provided or this must be deleted.
Consumer complaint received 2019-09-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Dear paypal you previously said on this CFPB claim case # XXXX : " You will need to withdraw your funds to a XXXX XXXX. ( End of Quoting ) ... I can not put my XXXX, can you please FIX your glitch because Paypal system says : " We're sorry. We're not able to process your request right now. Please try again later. '' ( see picture attached ). ALSO I uploaded my authentic XXXX national photo ID already to comply with Paypal limitation. I just want my money to be transfer to another paypal account or to be transfer to my XXXX XXXX account, I have waited Unlawfully more than 180 days.
Consumer complaint received 2019-01-03
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. (NY)

I was using XXXX XXXX for the first time using my Chase Visa card I called Chase to verify that I hat I would be protected for any purchases made through XXXX XXXX and was told that any transactions made on my credit card I was protected. I never received the product I have not been able to get in touch with the seller I put a dispute in through Chase two months ago and got a call back yesterday saying they could not help me I explain to them that I had called Chase before I made the purchase to verify that I was protected for this purchase and the Chase agent stated that it would be protected. I stated this to the agent that called me yesterday XXXX XXXX, I asked him to look at my records and see that I made the phone call and bring it to a supervisor is before they reapplied the charge to my account they did not! They replied to charge without even a second phone call. Regards, XXXX XXXX
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NJ)

I received a letter from CitiBank XX/XX/2019 addressing my TWO concerns : 1. Debt validation for two CitiBank TWO accounts : XXXX, XXXX 2. Consent Order, CFPB vs Citibank However, here are the problems : 1. Citibank sent me debt validation for only ONE account, instead of TWO accounts. Also the debt validation account number provided ( XXXX ) is not consistent with both accounts numbers listed above ( *see attachment ). 
2. Citibank did not address REASON WHY CFPB vs Citibank does not apply to BOTH my accounts. 

Please address both these concerns. I'd greatly appreciate it.
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (FL)

I have had a Bluebird by American Express debit card for a few years ( I primarily use it to make purchases online as to not display my checking account information or major credit cards online ). Every month my card has been restricted advising that I am making too many transactions. I recently requested a new card and was told by the activation representative that my personal information was incorrect and I should call back once I had the correct information to provide. She then terminated the call on me. I called back and requested to speak to a supervisor for further assistance as my information has not changed. I was advised by the agent that he would assist me rather than getting me to a supervisor but after 20 minutes on hold he then advised that he would need to transfer my call to a supervisor ( which I requested at the start of my second phone call ). I am currently still holding for a supervisor.
Consumer complaint received 2020-11-06
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: JPMORGAN CHASE & CO. (AL)

Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 5 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. The below listed accounts by the Original Creditors, who have repor
ted these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

1.XXXX XXXX acct. # XXXX bal. {$13000.00}
Consumer complaint received 2019-01-03
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. (NV)

On XX/XX/2014 I purchased a van from XXXX XXXX XXXX in XXXX XXXX NV. I made my payments on time for the first 2month, by the end of the 2nd month The vehicle broke down. This was the 3rd time in that 2 months. Finanlly when I took the car to my moms we pulled into a XXXX where the car completly stopped working. We were stranded me and my kids in another town. I immediately called XXXX XXXX   and told them to come get the vehicle and where it was. When they picked up the vehicle I advised them I did not want it back it was a lemon. When I did not pick the van back up from them they counted it as late payments and then placed the car in repossession status. This was not a repossession in any way. I would like it fixed and removed from my credit report. I have been fighting non stop with this. Please have it removed from all of my bureaus this was not a repossession and it was a lemon a bad vehicle that never worked properly. I got scammed by this company.
Consumer complaint received 2019-01-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IL)

I have reached out to this agency XXXX XXXX XXXX for a contract to a item in their office # XXXX in the amount of {$14000.00} that they placed on my credit report due to no knowledge of what item is and i can not get a response. The only information i can get from them is that they are not working this item and a phone number to another agency that they said was working this item, i called the other number they gave me and that agency also said that their company is not working the item either, yet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX phone # XXXX is reported as a derogatory on my credit report please have them to provide me with the contract of this item.
Consumer complaint received 2023-03-29
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. (IL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

On last Wednesday I reached out to Midland Funding LLC, Midland Funding in regards to a collection that they placed on my credit report for a credit card bill they said they were collecting on behalf of XXXX XXXX XXXX. I told them during our phone call that the account was not mine and I requested that they check the information that they had but they said I needed to send them my picture ID and a copy of my social security card so they could research the info with a letter stating my name was XXXX XXXX. I didn't feel comfortable doing this so I reached out to the XXXX XXXX credit card company by email and explained the situation and they responded with a letter indicating that they would be removing the claim from all 3 bureaus.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (OH)

My daughter is XXXX. I helped her create an account and I added funds to it. Several transactions totaling {$40.00}. Her original account was $ XXXX and it was set up on her phone number XXXX. She was not able to use or access her account at that time because she was a minor and I was not able to add her to my family accounts. Her phone broke and we no longer can get messages sent to that original number. Her account was never linked to my family account despite me contacting support several times. I had to wait until my son who is XXXX dropped off of my account to add her. She got a new phone and number and we were trying to set up her cash app before school. But it would not let us recover her account. It said she needed to create a new account and contact support. So we did. We followed the instructions to merge her accounts but it would not work because she never had a card for it. 
They told her that because I am her parent/sponsor, I needed to contact them. So I did. Again, they had us attempt to recover and merge her accounts, and again, it did not work. I requested that they reverse my transactions and refund the funds and they said they couldnt do that either. 
I just wanted my daughter to be able to access her money and use her cash app account. The new account is $ XXXX and her new phone number is XXXX. I can provide her birth certificate and social security card and any other proof that I need to get this fixed. I have spent several days and talked to numerous people and they have told me that money will just sit there indefinitely because she does not have access to the original phone number used to set up her account. They are essentially holding her money hostage because we have absolutely no way to recover the funds.
Consumer complaint received 2021-03-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

Both me and my husband XXXX XXXX tried to open checking accounts with the Bank of America in XXXX and I tried again yesterday and were denied. 
Bank of America refuses to provide justification for the denial which makes us very concerned as we have been unable to address any issues and potential fraud under our names as a result of the Bank of America failure to disclose the reason for the denial. 
We did find out that there was an alert put in the Bank of America in mid XX/XX/XXXX to not engage in business with us with no explanation. 
Please note that at this time ( XX/XX/XXXX ) we did sell a house we had a Bank of America mortgage on to XXXX XXXX through XXXX XXXX in XXXX XXXX Michigan. The whole thing was odd as the title company had the order of the Bank of America and XXXX XXXX XXXX XXXX liens/mortagages on the property wrong and did not think this was a big deal. We asked for corrections, had to meet twice and ask for corrections and reassurance that the titlework was appropriate. We also added note on the title paperwork stating that there was pending civil litigation and that the XXXX  XXXX XXXX XXXX foreclosed on the loan and conducted Sherriff sale WITHOUT having first position but we we were ignored. XXXX XXXX in a recent police report is now falsely stating he was not at the closings even though HE was the one as well as the title company who was pushing for the sale. If the Bank of America denial of an account is indeed related to this transaction given the timing WE NEED TO KNOW SO WE CAN ADDRESS THIS.
Consumer complaint received 2023-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. XXXX XXXX XXXX XXXX : {$3600.00}.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

There are inaccurate information that does not belong to me on my consumer report. All of the listed items are put on my consumer report without permissible purpose and or related to fraud. Attached will be the FTC report and police report that I have obtained by XXXX XXXX Police department.
Consumer complaint received 2021-03-07
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. (OR)

A account has replaced back on my consumer report after it's already been deleted. This is hurting my ability to obtian credit. This is another violation 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. I never authorized this account to be reported to my consumer report in the first place. So the face the replaced it on my consumer report after its already been deleted is a violation. I do not consent with my private information to be shared with a nonaffiliated third party. Attached is a letter I already sent Equifax.
Consumer complaint received 2017-07-02
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. (TX)

I submitted a dispute on my credit reports for a incorrect charge off/collections account and it has still not been removed from my credit report. The creditor purposely listed incorrect debt amount and reported the account as derogatory on my credit report. The credit limit was for {$800.00} and the charge off/collection derogatory amount reported is {$1300.00}. They have sabotage my credit report by listing false information and have damaged my credit score as well as my ability to get credit.
Consumer complaint received 2023-07-15
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)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the fraudulent items still remains on my credit report in violation of Federal Law. The Credit Bureaus failed to comply with Fair Credit Reporting Act, Section 605b within the time set forth by law and continued reporting of unverified information which now, I am complaining. These are the fraudulent accounts that I want you to assist me in removing these all : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX