davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (WA)

I have had XXXX XXXX and XXXX for years and then all of the sudden i have a collection account on my XXXX  account from XXXX. When I first asked them about it they said it was for an equipment charges. I told them that's XXXX ive been with XXXX XXXX for like 5 years. The next attempt they said it was early disconnect charges. I told them now they are changing their story and ive had XXXX for years. Now they just reported on my credit report again {$1300.00} and i do not owe this to them. Im not sure what is going on here but I need it removed. We are working on buying our first home and have been paying off my debt for years. If it were mine id pay it but im tired of this. Ive have disputed it and asked for proof and they refuse. Im done please help me. I have also been told my other friends and family they have experience similar cases and are not happy.
Consumer complaint received 2021-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Throughout the entire first month of XXXX I noticed an issue with Chase rearranging my transactions. 

I get paid on Friday, and would notice any transaction that would be deducted from my available balance over the weekend would be rearranged and charged that following Tuesday or Wednesday. They would rearrange certain pending transactions and this would then lead to an overdraft because it looked like the money wasn't in the bank when I made my purchases.
Consumer complaint received 2019-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I visited XXXX XXXX XXXX located at XXXX XXXX XXXX  XXXX XXXX, XXXX, FL XXXX ( ( XXXX ) XXXX. I assisted by sales person XXXX XXXX and the so call Financial Manager XXXX XXXX. I asked Mr. XXXX, how many times my credit would be ran, since I am in the process of purchasing a home and also have id theft on my account. He said your credit would only be run one time. I trusted this manager and now I now is a scam and he lied to me. I have so many credit inquiries on all the three credit reporting agencies and it hurting my credit a lot. I demand they remove all the inquiries and only leave one, as they said. My credit was ran at the following places on different days and the worst part is they ran my credit just a few days apart. 
XXXX XXXX Auto Finance  XX/XX/2019 XXXX Auto Dealer Finance XX/XX/2019 XXXX/XXXX XXXX   XXXX XXXX XXXX XX/XX/2019 AND XX/XX/2019 XXXX AUTO FINANCE ON XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 AND XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX DEALER XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 This dealer does not know what they are doing. They are so greedy to sell a car and they do not care how this affects your credit. I told them what was going on with my credit situation. I forewarned and yet they failed to deliver what was said, not to run my credit more than once. I need this to be removed ASAP, since I will be applying for a mortgage within next 60 days.
Consumer complaint received 2022-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

CITI has violated several provisions of REG Z and the Fair Credit Billing Practices Act by closing my account despite the following : 1. ) Several Billing Disputes Remain Open which prevent card issuers from closing an account while investigating.

2. ) I was the victim of Identity Theft and notified CITI.

3. ) Due to the Identity Theft the bank I was to debit my credit card payment to CITI was closed for security, preventing my payment is processed. This was a secure closure to protect my information and funds. Which CITI was aware of.

4. ) CITI took adverse action based on information resulting from documented and reported identity theft.

5. ) CITI employed deceptive practices as upon initially learning my account had been closed, CITI employees stated they were unsure why. But claimed my account would be re-opened as soon as I made the payment which was returned. I can provide the call logs, or transcripts should CITI require them.

6. ) CITI refused to re-open my account as previously stated.

7. ) CITI further violated DTPA by initially sending me a letter stating my account was closed as I had requested. Which I did not.

8. ) CITI employees were unsure why the account was actually closed.

9. ) CITI sent a letter stating my account was closed due to a single missed or returned payment. This is not typical behavior CITI demonstrates with the majority of their cardholders. Especially as I had never missed a payment before and paid my balance in full every month.

10. ) The letter sent by CITI states my account was closed as a result of the Identity Theft, which required my account to be closed for security reasons prior to the payment clearing. Which adverse action is based on Identity Theft.

11. ) CITI 's response to my request for my account to be re-opened was met with a response stating they were unable to reopen my account and unable to explain why. Which is illegal as I requested a detailed explanation.

12. ) CITI has begun closing out my billing disputes without investigating them or following their legal obligations per the member agreement, FCBPA, and VISA billing dispute guide. 

I have offered to send CITI my FTC affidavit, as well as the police report, and any other evidence needed proving the identity theft, which they have not wanted.
Consumer complaint received 2019-11-16
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 (AZ)

On XX/XX/19 my purse was stolen out of my car at a dog park, the thieves went straight to XXXX XXXX  and charged {$2000.00} worth of gift cards ( {$500.00} Bank of America {$1000.00} XXXX XXXX  and {$500.00} XXXX XXXX  ). A police report was filed within the hour but we could not catch them at the store. All credit card companies were aware these were fraudulent charges within that first hour or so. All have been great with the exception of Bank of America. They initially reversed the charge on XX/XX/XXXX. THEN on XX/XX/19 they charged it backto my account and denied the claim the reason is that I shop at that store ( well yes it's 5 minutes from my house! ). and that made it a valid charge. Are you kidding me? Since then i have reopened the claim on XX/XX/19 ( closed during holiday ). They have all the police information etc. and still have not accepted the claim. I need help with this issue i can not sit on the phone all day trying to check on this claim.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account was charged off in 2016 and was just recently reported on my credit. This account is closed and needs to be removed off of my credit from all three bureaus immediately. The amounts are changing & this creditor is applying balances when an account is closed. Please advise
Consumer complaint received 2021-01-25
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. (OH)

This is now my 3rd time reaching out about an issue. XXXX XXXX is continuing to report inaccurate information. Not for sure why, but my last request said that I wasn't clear in my reply. I'm pretty sure that I was VERY clear as to what the issue was. I will copy and paste that info here : what I sent in on XX/XX/18 : This is my 2nd CFBP complaint against each of the 3 Credit Bureaus about this Company! I sent in one at the beginning of XXXX. They stated that they had closed this out and that it was accurate. However, as you can see from my updated credit report, it is STILL NOT accurate!!! The Date Opened is still incorrect The Date last Active is still incorrect The Past Due amount is stil incorrect The payment history is still incorrect I am asking you to remove this account from my credit report asap. I have been asking them to do this for many months now. Each month they continue to ignore my requests. 

I am now asking you to remove this account. I have been asking for months to have this information report accurately or to remove. I am on the verge of considering seeking counsel for this issue. it's very clear they have no desire to abide by the laws and report this information correctly.
Consumer complaint received 2022-04-02
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: Experian Information Solutions Inc. (TX)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XX/XX/year> To whom it may concern : I recently made a complaint to your agency regarding the 3 major credit bureaus.

And as of this writing to your agency again, the issues that I had initially complained to you about still have not been resolved. 

Instead, the credit bureaus are again making a mockery of your agency, because they continue to get away with whatever they choose to do. 

They send you notice that they are still working on my complaints, yet they do nothing to correct my credit files, and credit score, and I end up with the same results, of them continuing to destroy my credit rating, and nothing is done. 

In my initial complaint to your agency a few weeks ago, I requested that I want to receive PROMOTIONS, Why has XXXX taken it upon themselves to deny my request. 

This weekend I received a post card from XXXX, claiming that they have removed my name from their preapproved credit offer list for 5 years. 
And they stated that they are notifying the other national credit reporting agencies to do the same. 

I never asked XXXX to remove my name from promotions, and I did not ask them to contact the other bureaus about anything regarding me. 

I want you to please refer to my initial complaint, and this shows the intentional harassment that I have been receiving from the credit bureaus.
Consumer complaint received 2022-04-02
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)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-05
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. (MO)

The following accounts being disputed is unknown and unauthorized by me. I'm asking for these following accounts to be removed from my credit file. 

1 ) XXXX XXXX {$1600.00} 2 ) XXXX XXXX {$170.00} 3 ) XXXX XXXX {$240.00} 4 ) XXXX XXXX XXXX {$110.00} 5 ) XXXX XXXX XXXX {$860.00} 6 ) XXXX {$47.00} 7 ) XXXX XXXX Account Info
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion decreased my score 34 points on XX/XX/XXXX. It didn't list what caused the changes. The credit monitoring app only showed that my credit card payment was on time and my balance decreased, which typically reports positively. I pay monthly for Transunion 's credit monitoring services, I also have other third party apps that are reflecting the same 34 point decrease from Transunion bureau. I contacted Transunion 's customer support on XX/XX/XXXX to check and see if something derogatory was recently added. The rep was helpful but he says he can only see general information as well. he listed things that were not significant enough to report a decrease. He stated an inquiry from XXXX which had already been reported. He could not find anything that reflected a new delinquency and apologized for not having any further information. I did recently dispute a company in XXXX for an inaccurate/fraud account and the account was removed and my score increased. I am looking to figure out what has changed since then and a better explanation as of why my score decreased since it wasn't clearly provided. And if applicable, a correction to my score.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

I applied for a mortgage loan with my bank, and noticed that I have incorrect information on an Equifax credit report. I asked for my free report on line, but they requested several pieces to be submitted first, SS card, Utility bill, bill with my SS number on it, and some others to be mailed to them. This can take a long time to correct. 
In between my loan is not being processed. 
My data was breached by them, and now I am further punished by delaying my right to a free credit report.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (WI)

I had a XXXX bill that I disputed quite a while back. I left XXXX sometime in XXXX after my divorce. They tried to bill me telling me that my contract " automatically renewed '' but I did NOT renew and had switched to XXXX XXXX XXXX. I fought the bill and they took it off my report. I thought this issue was settled but a few months ago saw it on my credit report again. I disputed the bill and had a phone call with someone and they said that my contract extended automatically but said my account was stopped in spring of XXXX. I got in XXXX XXXX and the bills say that it was recently opened in XXXX XXXX. I called XXXX and they don't even have a record for the bill but this collection agency is fraudulently trying to stick me with a bill I do not owe. Now, it says the debt won't fall off my credit report until XXXX. This has to be fraud! Copy of XXXX XXXX post : ENHANCED RECOVERY COMPAN Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX XXXX creditor XXXX OpenedXX/XX/XXXX( XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor nameXXXX XXXX
Consumer complaint received 2017-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have had an account with Bank of America for about 10 years. In those 10 years I cant tell you the number of times Bank of America has purposefully posted transactions to make me overdraw so they can charge me a fee. I was part of the class action law suit years ago but for some reason I continue to bank with them. This past Sunday XX/XX/XXXX I was overdrawn by {$6.00}. I do not drive and the bank is across town. I was told if I do a mobile deposit for {$7.00} it would bring my account current and avoid overdraft because nothing is processed until Monday. Which I did. Monday morning my account didnt have an overdraft fee so I assumed I was good. Monday night I received another deposit of {$400.00} to my account. To my surprise, Tuesday morning XX/XX/XXXX, I was also charged {$35.00} for an overdraft which should have been covered by the check I deposited Sunday as advised. Even if that hadnt cleared, the {$400.00} Monday night should have covered it. Bank of America is still lining up transactions in a way that debits before it deposits so they can charge you a fee. I called the company and sat on hold for over 30 minuets while they played a recording that still waiting for a manager XXXX XXXX, hopefully it wont be too much longer which I could tell was a recording and not even a live person. I was placed on hold and left on hold with no intention of a manager picking up. Bank of America apparently didnt learn after they were sued not to do this to people anymore.
Consumer complaint received 2020-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XXXX XXXX DOB : XX/XX/XXXX Trans Union XXXX. XXXX  # XXXX XXXX, XXXX XXXX Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX  XXXX  XXXX  XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

Thank You, XXXX XXXX XXXX