davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-15
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. (NY)

I am submitting this complaint about XXXX credit reporting agency. I have been disputing an account " XXXX XXXX XXXX '' that is reporting on my XXXX credit report for months now. To reach a live rep at XXXX was extremely difficult and I am unable to file another dispute online as the system will now allow me. This account has fraudulant charges on it from a few years ago. I disputed it with all 3 credit reporting agency 's XXXX did there investigation and it was deemed that the charges were fraudulant so the account was removed off my XXXX credit report however XXXX is still reporting it. Having this information report is affecting my credit score in a negative way. I do not owe this money as the card was stolen and fraudulant charges were made on it. I am consistentaly disputing this account. My biggest question is if XXXX received verification to delete it off my report why isn't XXXX  receving the same response? I do not no what is reporting on transunion as I haven't been able to view a current report from them either. I requested an updated transunion report but never receveid one.
Consumer complaint received 2018-10-15
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. (UT)

XXXX, XXXX, and Equifax are reporting a balance that have been paid and I do not owe. XXXX and XXXX XXXX XXXX XXXX, debts have been paid and they continue to report a balance.
Consumer complaint received 2023-01-04
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. (SC)

The items I am disputing do not relate to any transactions that I have made or authorized. Please remove these items at the earliest possible time. Also, the information you provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX or the XXXX, I deposited {$1000.00} in a Bank of America ATM and they have never credited my account. I did not realize this until the XXXX of XXXX. I immediately called Bank of America and filed a complaint about the incident. I frequently deposit cash at this ATM at Bank of America. I have never had a problem with doing this until now. I have been a customer of Bank of America for 27 years. I deposited that amount to cover some of my bills. I can't afford not to have that money. I am on a fixed income and XXXX. I am not trying to scam anybody. I want what is due me. In the meantime some of my bills came through and they paid them but hit me with fees which I feel in not right. This has not been my fault. They hit me with 4 fees of {$35.00}. I called them to remind them that there is a claim against them and they should not be charging me fees. I wanted all of them reversed. They said they could only do 2 and not 4. I was very upset over this. So then I receive a letter from the claims resolution department regarding the claim. They denied it but on the other hand the letter states they found the transaction that I referenced but unable to locate any record of cash or additional cash being deposited. What the ATM made it up. If that was true the ATM should have been short. They don't mention that. I called them and told them how the letter makes no sense. The gentlemen agreed with me so he opened the claim back up for further investigation. Since then I have not heard anything from Bank of America. I requested all documentation they used to deny me at first. I have not received anything. In their letter they offer but I guess not. It has been difficult. In the meantime I am out that money and I had to put of paying some bills. I am really concerned about all of this. They should have not charged me those fees until the case was resolved. It is only fair. So it continues without a word or letter from Bank of America. They made me feel like I was a criminal or something. I believe there are videos at the ATM. They are going to have to check them to see that I am not lying. Why would I? Something happened at the ATM and I don't know what but it did not credit my account. I am sure that this not the first time something like this has happened. 
I did receive a letter from a different gov. office that I sent my complaint to and it was not the right office. They referred me to your office. I have sent a copy of the letter that Bank of America sent to me to you so one can see. I sent it out on XXXX. This whole thing is a mess but Bank of America needs to do the right thing.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (WA)

This is a follow up on XXXX. The Citibank claims that they have already closed my account and I should receive the my fund of {$200000.00} within XXXX  days from. It has been XXXX days now and I am still not receiving my money back. I was trying to contact their Citi XXXX XXXX XXXX but the problem is still not resolved. The last time I got the response from the Citi was that the fund will be returned to me within XXXX weeks on XX/XX/22 but it didn't happen.
Consumer complaint received 2019-03-20
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. (SC)

XXXXXX/XX/XXXX ( see. Attachments 1st notice ) I  originally wrote to the company Transunion in regards to disputing/verifying the account XXXX XXXX XXXX   that is being reporting in my credit file. The full details for the account is XXXX XXXX XXXX  reference number XXXX. 

Transunion responded by writing back to me stating that the account was either updated or verified. I then responded to Transunion on XX/XX/XXXX requesting their method of account verification. Please note that Transunion at no point in time ever provided me with any account-level documents to verify disputed accounts. Be advised that this company XXXX XXXX XXXX never provided me an initial notice of debt ( the initial communication of a debt ). I disputed this account originally XXXX  XX/XX/XXXX ( see. Attachments ). I also requested method of verification from Transunion for this account on XX/XX/XXXX after Transunion claimed the account was verified ( see. Attachments ) but no verification was ever provided to me. 

I then requested that the disputed accounts be deleted from my credit file immediately on XX/XX/XXXX, after no proof of verification was provided from Transunion. Please be advised that Transunion has not responded back provided method of verification within the FCRA timeframe and is not in compliance with the FCRA guidelines. Also I request that CFPB step in as a liaison to assist in resolving this matter. 


I request that Transunion comply with the FCRA, by removing this aforementioned inaccurate unverifiable accounts from my report. These accounts are incomplete, inaccurate, and unverifiable. I have given Transunion more than 45 days to produce documentation to verify the account. Please be advised that all supporting documentation will be unloaded to support this complaints. This will include letters to Transunion and copies of certified USPS receipt.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Hello, first let me say thank you CFPB & Experian for handling complaint # XXXX. I was able to dispute several addresses that wasn't mine. However, when i dispute XXXX  for incorrect information and the wrong drop off date Experian flag the account as already filed a dispute for this item. I haven't dispute anything for XXXX or any XXXX in months. per the message provided by Experian if I have additional information I can upload the documents. I clicked the link to upload and I've attached proof that XXXX again changed the dates. There's no notification or anything from Experian showing the documents was uploaded. XXXX account showed a written off in XX/XX/XXXX and not XX/XX/XXXX. Also the account is schedule to drop off in XX/XX/XXXX and not XX/XX/XXXX. I was able to review the online credit report pulled on XX/XX/XXXX that show XX/XX/XXXX is the drop off date & written off date was XX/XX/XXXX. I also have snapshots of that report pulled on XX/XX/XXXX and I emailed myself a copy for my record. Note : I've attached a snapshot of XX/XX/XXXX credit report showing the written off date & the drop off date for XXXX to be removed. I've also attached a snapshot showing proof that Experian would not allow me to dispute the account. The snapshots of XX/XX/XXXX credit report was the same documents I uploaded today but no receipt or any notifications that Experian received the documents.
Consumer complaint received 2018-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC (TX)

I have tried to resolve debit with XXXX XXXX by requesting information to prove debit. 
1st issue, I requested Singed contract. No less than 4 times, none returned. 


XX/XX/2018 letter sent stated acct Sold. 
I feel they have acted in poor faith by selling account to XXXX XXXX, XXXX and not providing requested info.
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (FL)

On about XX/XX/2019, I realized that my credit report was showing for the month of XX/XX/XXXX on the Westlake fiancial service account as a 60 days delinquent account when the account is already closed and paid by the dealer by request of the compliance dealership department. The person who worked this case was XXXX. I asked her if I had to make any payment in order to not damage my credit. She told me that it was not going to damage my credit. Westlake notified incorrectly the month of XX/XX/XXXX damaging my credit with a serious delinquency.
Consumer complaint received 2023-01-04
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. (TN)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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
Consumer complaint received 2021-04-09
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)

As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,
Consumer complaint received 2018-04-17
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. (VA)

Equifax still refuses to remove a XXXX  Inquiry from XX/XX/2016 which I have disputed with both Equifax and XXXX, XXXX already notified all three bureaus and two inquiries were removed from XXXX XXXX and XXXX but NOT Equifax. I call them and they tell me to dispute it with the company and are rude and unhelpful.
Consumer complaint received 2022-06-12
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 following accounts that on my credit report are a violation of my rights : XXXX XXXX XXXXXXXX, Acct # XXXX ( reporting to equifax ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX, Acct # XXXX ( reporting to equifax ) XXXX, Acct # XXXXXXX ( reporting to XXXX ) XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX, Acct # XXXX ( reporting to equifax ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX  ( reporting to equifax ) XXXX XXXX XXXX, Acct # XXXX  ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX  ( reporting to XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish a account without my written instructions. I am requesting that these accounts be removed from my reports.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

There is an account on my credit report showing as past due. XXXX XXXX XXXX past due {$2.00} reported on XX/XX/2021 account number XXXX. I have never been late on this account before. XXXX and XXXX are reporting accurately. I have called and written in several times to have this corrected.
Consumer complaint received 2022-05-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SUNRISE CREDIT SERVICES, INC (TN)

I DONT HAVE KNOWLEDGE OF THIS ACCOUNT. THEY TOLD ME THE SERVICE IT WAS WITHOUT LEASE AND I COULD STOP IT IN ANY TIME WITHOUT NO CHARGES. AND THEY DO THE OPPOSITE THING. SO THAT MEAN THE SELL SOMETHING COMPLETLY FALSE AND IS A FRAUD.
Consumer complaint received 2018-04-17
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. (NY)

I sent XXXX copy of my account statement from NYS department of social services after XXXX XXXX reported that I was in collections for {$110.00} from XXXX XXXX. The NYS department of social services paid my bill in full when I was laid off several years ago and I have been on a payment plan to repay NYS social services. XXXX XXXX sent me and XXXX  a copy of a computer print out with no record of the payment from NYS Department of social services and it  was not itemized, as I requested. XXXX has not responded to my request to correct this and remove from my report. XXXX took the computer printout submitted by XXXX XXXX to not remove, and when I again, submitted my account statement from NYS department of social services they did not respond and stated to CFPB that there was an unauthorized third party, yet  this remains on my XXXX and Experian reports. XXXX has consumer disputes and Experian does not.
Consumer complaint received 2018-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

I used to have an account with Barclay. Due to oversea traveling, I failed to pay a small balance on the card. Barclay closed my account, and added a huge amount of fee into it. On XX/XX/2017, I was able to talk with a Barclay representative, and he told me that he can waived some of the fee, and the total I owned & need to pay off the account is XXXX. That was taken out of my XXXX XXXX XXXX checking account that Barclay has on file on the same day.

Fast forwarding to now, I got email from Barclay saying that I owned {$390.00} on the closed account. I called in, and the nice representative explained to me that the balance was never paid off. She was able to get $ 100+ fee off the account, and I paid $ 200+ to close the account. 

As I was made to believed that the account is closed and paid off in XX/XX/2017, and as most of these charge are fees on top of fees, I believe the fees are excessive.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

I called today ( XX/XX/2020 ) to talk to an Equifax representative and informed him that I can not access my account. When I login, I get the attached message, the message saying that my account is locked out and to call a 1 800 number. I called that number, the representative reset the password, and I am still not able to access my account. I have tried for several weeks, logging in for several weeks to access my account and I keep getting the attached error message.
Consumer complaint received 2022-05-04
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. (MS)

Pursuant to 15 usc 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 USC 1602 ( 1 ) which is " the term " credit card '' means any card, plate, coupon book or other creditdevice existing for the purpose of obtaining, money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 us 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF ED/XXXX XXXX XX/XX/XXXX for {$5200.00} U S DEPT OF ED/XXXX XXXX XX/XX/XXXX for {$2800.00} U S DEPT OF ED/XXXX opened XX/XX/XXXX for {$1100.00} U S DEPT OF ED/XXXX opened XX/XX/XXXX for {$4000.00} U S DEPT OF ED/XXXX XXXX XX/XX/XXXX for {$1100.00} U S DEPT OF EDXXXX XXXX XX/XX/XXXX for {$4500.00}
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I have encountered several unethical interactions with Bank of America. Their ongoing deceptive practices aim to defraud customers by falsely reporting late payments. This tactic appears designed to sabotage customers ' credit lines, increase interest rates, and reduce credit limits. 

I possess supporting documents for these fraudulent actions. 

Bank of America employs deceptive practices to create financial instruments that defraud their customers, akin to similar actions by other banks in the past. Despite having already paid fines for such conduct, the continued lack of government oversight perpetuates the erosion of trust. The deception and fraud persist unabated. 

Additionally, the XXXX representative assigned to my recent cases has been completely inaccessible. I received a voicemail at XXXX XXXX  XXXX, but all my callbacks and emails have gone unanswered. 

I have reached out to my senator and congressman for assistance in navigating this matter, as I find the governing agency 's role in these proceedings to be duplicitous.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

On XXXX XXXX I sent a letter to the credit reporting agency via certified USPS tracking numbers XXXX, XXXX which was received on XX/XX/2022 at each location. When I called the agency I was told no letter has been received. I know the USPS tracking service is accurate which leads me to believe the credit reporting agencies are failing to comply with my request. I have inaccurate information reporting on my report that is illegal per the IRS. I would hate for the company to find themselves in more legal issues for allowing this to be reporting when it is a violation of the fair credit reporting act. 
I have inaccurate accounts still being reported on my consumer report that this company has failed to delete as it is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. Remove this information from my consumer reports immediately. Account # XXXX Account # XXXX Account # XXXX