davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Larry H. Miller Group of Companies (UT)

I went to this car dealership with thought of purchasing a vehicle. When they asked to pull my credit- they told me they were going to shop the loan. I told them I didnt want my credit repeatedly pulled. They told me it was a soft pull and all reports pulled same day would only hit my credit report once. XXXX XXXX XXXX dealership pulled hard inquiry- then they had XXXX XXXX Credit pull hard inquiry and then XXXX XXXX XXXX XXXX XXXX pulled hard inquiry. These hard inquiries negatively affected my credit and credit score
Consumer complaint received 2018-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (VA)

I recently opened an account with Citibank in XX/XX/2018 and decided to transfer my funds via XXXX. I was trying to buy lunch and noticed my debit card that I activated with them is not working. I called customer service and they transferred me to a supervisor named XXXX that said he can't help me for security reasons. He said a letter was sent out stating that I need to provide documents proving my identity. 
I told him that all I need to do is transfer my money out of my citi account back to my old XXXX  XXXX XXXX account and he won't let me. 
This was also over {$1000.00} worth of money and I do not get paid for a while. I have no money for food or to pay a tuition bill that is due on Friday. There are no warnings on my log in on citibank 's website or the app about a block nor was it included with my debit card and welcome letter so this is XXXX. I brought my issues up to the XXXX  account customer helpline and they told me that XXXX closed my account and I will get a check in the mail. I was desperate to get access to my money and was willing to fax documents as they suggested and they backtracked and said there was nothing they can do except drive 2 hrs to a branch, but I can't because I don't have money for gas because they're holding my money hostage. I have all of this money sitting in my account and I can't wire it, I can't use XXXX nor can I use my debit card. This is criminal, unethical and pathetic and I want my money back ASAP.
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FISERV INC. (NY)

For the last 2 weeks I've been trying to activate the eipcard I got as part of the stimulus. I call the only number available that it claims is for customer server 24/7. I follow the directions and press 1 for customer service or to activate the card. Then it asks and I put in the card number. Next it asks for and I provide the last 6 digits of the Social Security number. The recording then says " We're unable to process your request at this time. Goodbye. ''  There is no other phone number for this card or a way to contact customer service on line. The only other way to contact them appears to be an address.
Consumer complaint received 2018-08-16
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. (IL)

On XX/XX/XXXX, I wrote to Equifax explaining that I am a victim of identity theft and the bankruptcy reporting on my credit file is not mine ; supplying evidence and documentation. However, Equifax responded that the information was verified as accurate through XXXX XXXX. I have had my information suppressed with XXXX however, Equifax refuses to remove this fraudulent account from my credit file in accordance with Section 605 B of the FCRA.
Consumer complaint received 2018-08-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Rash Curtis and Associates is trying to collect a debt that has passed the Statute of Limitations in California. This was a charged off account by the original medical facility.

The FDCPA, or fair debt collection protection act, says this has to stop being reported to the collection agencies.
Consumer complaint received 2021-12-04
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. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$210.00} CAPITAL BANK XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$340.00} Inquiries : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

These items/accounts are reporting late as reported in my 3 Credit Bureaus . Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 
XXXX XXXX XXXX Date Opened : XX/XX/2022 Balance Owed : {$390.00}, XXXX  XXXX Date Opened : XX/XX/2022 Balance Owed : {$430.00}
Consumer complaint received 2022-03-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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 2021-12-04
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: CITIBANK, N.A. (NY)

This bank is crazy Im a loyal customer I pay them on time I go to put gas and my card wasnt working when it always does and when I call them to find out why they say my account was closed!! I never closed it and the reason too customer service said it doesnt make sense if I was making payment on time this is not fair my account must be reponed immediately with covid the mail is backed up but that isnt my fault I still mailed my payments each month
Consumer complaint received 2019-03-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (WI)

I just discovered on my Citi issued Best Buy credit card that I have been paying for a debt security program for I don't even know how long. Total cost to me has been hovering around $ 80/month and I don't know how long it has been this way. I am attempting to reach out to Best Buy and Citi now to rectify the situation, but I have not heard back yet.
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Re : Bank Of America account # XXXX To whom it may concern : Please consider this letter as my formal complaint against Bank of America.

I have sent certified/return receipt dispute letters to Bank of America requesting verification of this account in accordance with FCRA. These dispute letters were received by them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Bank of america was unable to verify/validate this account in accordance with FCRA. 

As this account was hindering my credit worthiness, and with Bank of America unwilling to correct their records, I decided to pay the full balance allegedly owed by sending a pay for delete letter and check. On XX/XX/XXXX I sent this contract along with a check for full payment in the amount of {$5100.00} in which they received on XX/XX/XXXX, and cashed on XX/XX/XXXX In the letter and written on the check were the following terms : By cashing this check, you agree to terms of this contract : -Show paid in full. 
-Remove credit items from reports -Cease collections Currently Bank of America has yet to correct their reporting according to the contract. They are still reporting a negative collection account in the amount of {$5100.00} to all 3 Credit bureaus.

I implore your agency to please assist me in having this unverifiable, and paid in full account, removed from reporting on my credit files. Bank of Americas practice is highly damaging to my credit and i would be remiss not to request your assistance with this issue. 

All return receipts, and evidence available upon request if not included in this complaint. 

Thank you for your time and assistance in this extremely important issue : My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX CC : CFPB CC : XXXX  CC : Attorney Generals office : XXXX XXXX Office of the Attorney General XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX XXXX U.S. Department of Justice XXXX XXXX XXXX, XXXX Washington, DC XXXX XXXX XXXX Office of Attorney General State of Florida XXXX  XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (UT)

I received a payroll check ( {$620.00} ) from my place of employment on XX/XX/2022. I deposited the check that evening using the Chase app. The check has since been placed on hold, and my checking account locked, locking me out of {$1100.00} plus the check amount. The payments I have made on bills since the second have been revoked, causing my bills to now be overdue. 
I called in to Chase, waiting over an hour to speak to anyone, and finally they told me it was due to not being able to verify information with the paying bank. Their excuse was not having a verified phone number of the issuer of the check. The paying bank, which has already taken the money out of my company 's account and verified all information, has stated that the phone number of my company I provided to Chase is a verified number. Chase refuses to accept it, and has now threatened to close my account and mark the check as a bad check. They already have the money. They have the information they need. This is not my responsibility to validate information for other banks, nor is it my punishment to bear for simply trying to cash a check for hours I worked. Chase is acting with hostility and lack of communication.
Consumer complaint received 2022-03-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC (FL)

On XX/XX/2022 I received phone calls from XXXXXXXX XXXX ( XXXX ) XXXX on my tel # 's ( XXXX ) XXXX, ( XXXX ) XXXX as well as them calling my sister. They left messages on all three numbers and went into detail when they contacted my sister which is not a number that I ever provided to anyone for establishing credit. I do not owe a balance and feel that this is a scam. This company use tactics clearly in violation of the fair credit act. I have advised them to cease & desist from calling any number.
Consumer complaint received 2018-08-15
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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Mortgage lender reported to Credit Bureau that shows a 60 day late payment in XX/XX/XXXX for a XX/XX/XXXX payment on my credit report. 
Original loan was indeed in my name but in XX/XX/XXXX Came a divorce. 
In the Final Divorce Decree it's ordered for the Wife the divorce filer Be Liable For All Future Payments of said mortgage and hold husband NOT LIABLE for any such payments as entered in the decree as of XX/XX/XXXX. After speaking to the creditor and the credit bureau I fear the resolution will not be the proper and fair decision since I'm not liable for the mortgage that by law belongs to another. Creditor ( Mortgage Lender ) has already stated in the phone conversation on the morning of XX/XX/XXXX that there would have needed be an application for a loan assumption which by my standards is not acceptable nor fair. So I have taken by their comments that the information remains on MY credit report for a loan and property that I did not own at the time of reporting by creditor and credit bureau.
Consumer complaint received 2018-08-16
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. (CA)

I have tried to have these fraudulent account removed from my credit file multiple times. XXXX XXXXXXXX XXXX Account # XXXX. Bankruptcy chapter XXXX-dismissed Account # XXXX.
Consumer complaint received 2018-08-16
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. (CA)

I have tried to have these fraudulent account removed from my credit file multiple times. XXXX XXXXXXXX XXXX Account # XXXX. Bankruptcy chapter XXXX-dismissed Account # XXXX.
Consumer complaint received 2018-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2018, around XXXX, I called TransUnion 's " fraud victim assistance department '' at XXXX. It is an automated system. I repeatedly received an error message stating that " the call could not go through. XXXX. '' I then called another TransUnion phone number XXXX on about 7 different occasions from approximately XXXX to XXXX. Each call lasted approximately 10 minutes including hold time. I spoke with at least 6 employees ( " XXXX '', " XXXX '', " XXXX '' ) who all connected me to an automated system ( resulting in the above message ), despite my numerous pleas to speak with a live agent. Only after demanding to speak to a supervisor ( XXXX ) was I transferred to a live agent in the appropriate department. Apparently, I should have been calling XXXX, which is NOT a number that is posted on TransUnion 's " Contact US '' page. I wasted at least 2 hours of my day on what should have taken 20 minutes, and I don't think other consumers should have to go through that.
Consumer complaint received 2020-07-31
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)

I WAS A VICTIM OF IDENTITY THEFT LAST YEAR AND THERE IS AN XXXX XXXX XXXX   ACCOUNT-XXXX THAT KEEPS GETTING SOLD TO DIFFERENT COLLECTION AGENCIES. THIS A VERY FRUSTRATING BECAUSE THE ACCOUNT IS NOT MINE AND WAS BECAUSE OF FRAUD BUT IT KEEPS BEING PASSED AROUND. I THOUGHT IT WAS AGAINST THE LAW FOR DEBT COLLECTORS TO SELL DEBT ONCE ITS BEEN VERIFIED AS IDENTITY THEFT?
Consumer complaint received 2018-08-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc. (MD)

Vehicle Repossession, Proir to my Husband 's Death on XX/XX/XXXX, I XXXX XXXX Has never recived a bill of sale the account is reporting as an Charge Off on my Report Report with a Balance of $ {$8700.00}. I would like for that Account From Overview You've paid off 44 % of the original amount. 
Balance {$8700.00} Highest Balance $ XXXX Monthly payment {$330.00} Opened XX/XX/XXXX ( 4 yrs, 5 mos ) Term 77 months Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/ChargeOff Worst Payment Status No Info Account Details Account status Derogatory Type Auto Loan Responsibility Individual Remarks Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX Creditor Information GM FINANCIAL XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-08-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (MS)

Since XX/XX/2018 the company EOS CCA has been reporting false information to XXXX, XXXX, and XXXX. This company has committed fraud by reporting false information. I have contacted this company on several occassions and informed them that i have FULL MEDICARE COVERAGE and have for the last three years. I have mailed in documents. Also the creditor has billed MEDICARE and have been paid.
Consumer complaint received 2018-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

I applied credit card and rejected my application got the letter on XX/XX/2018. My application id is # XXXX. After contacting customer care they said they were not able to find credit history and asked me to send SSN fax. I did my SSN fax on XX/XX/2018 and confirmation number is # XXXX. Between XX/XX/2018 and XX/XX/2018, an inquiry made by XXXX XXXX was added to your credit report. They rejected my application because i am staying in USA on XXXX XXXX XXXX, Credit report manager confirmed this on XX/XX/2018 evening around XXXX XXXX. Why they pulled my credit report again? What is the need of those many times doing hard inquiry? They didn't inform about that. Kindly do the needful.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I asked Transunion to remove a bankruptcy from my report and they said they were given information by the courts. I wrote the court and asked them if they provided transunion with my information and they replied that they did not. The report has been removed from XXXX  and XXXX. I sent a copy of the letter to them and it still has not been removed.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

I just got off the phone with a XXXX representative and she said that they are accurately reporting the payment history on my credit reports, but when I check on Equifax, XXXX, and XXXX they all show incomplete payment history. They all show payment history from XX/XX/XXXX to XX/XX/XXXX even though some loans have been opened since XXXX. This is a huge mistake and it is hurting my ability to seek credit since it minimizes my actual length of credit.
Consumer complaint received 2023-03-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Apex Mortgage LLC (MA)

I hired a mortgage company in XXXX MD called Apex Mortgage to help me close on a home for me and my family. The vice president of the company XXXX XXXXXXXX told me I needed to show XXXXXXXX XXXX in Escrow to obtain the house and he had me send him the money. Needless to say, I never closed on my home and he still hasnt sent me my money. This has been going on for over 3 months now. He committed fraud after he built trusted with me! He told me he was a realtor as well as a attorney and he will hold on to my money until closing.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ACIMA CREDIT, LLC (MD)

ACIMA DIGITAL FKA SIMP which is not liscened and barred to collect in my stste is illegally has not provided me with the original agreement from the original purchaser and requesting money from me and illegally reporting on my credit report.
Consumer complaint received 2018-08-15
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: CITIZENS FINANCIAL GROUP, INC. (NJ)

I applied credit card and rejected my application got the letter on XX/XX/2018. My application id is # XXXX. After contacting customer care they said they were not able to find credit history and asked me to send SSN fax. I did my SSN fax on XX/XX/2018 and confirmation number is # XXXX. Between XX/XX/2018 and XX/XX/2018, an inquiry made by CITIZENS BANK was added to your credit report. They rejected my application because i am staying in USA on XXXX XXXX XXXX, Credit report manager confirmed this on XX/XX/2018 evening around XXXX XXXX. Why they pulled my credit report again? What is the need of those many times doing hard inquiry? They didn't inform about that. Kindly do the needful.