davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous account reporting on my Credit Report :
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MS)

XXXX business checking : account name : XXXX XXXX Account number XXXX Routing number XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Detailed explanation of the issue : I opened a business checking account with Chase Bank, as a sole proprietorship using my own name ( XXXX XXXX ). On XX/XX/2021, Chase closed my account. At that time, the account had a balance of {$14000.00}. I was not able to access this money. It has been 2 months since ; I came to the bank in person to inquire why the {$14000.00} was not returned to me. Chase told me that this amount was returned to a XXXX account on XX/XX/2021, however, XXXX stated that they never received this amount, since the XXXX account was closed on XX/XX/2021, before the date that Chase claimed.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX, Inquiry Date : XXXX XXXX XXXX  XXXX ( XXXX ), Inquiry Date : XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( Transunion ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b { c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.
Consumer complaint received 2018-07-02
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: Experian Information Solutions Inc. (FL)

Experian, I filed a dispute reference XXXX XXXX XXXX WA, through the dispute process. 
The role of the national consumer credit reporting agency in the dispute process is to review the accuracy and completeness of any disputed items which may include contacting the furnisher of the information and its source. 

It appears that Experian is rubber stamping what the collection agency has placed in their files without any verification. 

XXXX the original alleged creditor removed reference to this account during XX/XX/XXXX. 

In XX/XX/XXXX XXXX XXXX placed a reference to the above in my credit file. ( NOTE : The original date they claim is XX/XX/XXXX ). 

In alternating places in the Experian display they claim the amount due is {$1600.00} and or {$260.00}. The display does not show an amount due prior to XX/XX/XXXX 

That alone should have raised a red flag along with the differing amounts claimed due. 

Experian claims in their dispute resolution section, in their review the disputed has been verified as accurate but they do not say how it was verified.
Consumer complaint received 2022-10-12
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: Experian Information Solutions Inc. (TN)

XXXX, XXXX and Experian is furnishing negative items on my consumer report that's suppose to be excluded. The information was obtained under false pretenses through aggravated identity theft to help the furnisher extort me by using racketeering activities to compel and coerce me into paying alleged debt not owed.
Consumer complaint received 2022-04-28
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: Chime Financial Inc (MD)

I disputed some unauthorized charges with chime and within 8 hrs, was denied my request and they said there was no error when there in fact was an error because I did not make those charges, some of the charges were made in Texas and I live in Maryland. On XX/XX/XXXX and XXXX, XX/XX/XXXX and XX/XX/446 $ was taken from me in total and I couldnt dispute them because they were pending charges, they said they were going to work on my claim and a couple of hours later just denied my dispute and said there was no error. Multiple people have had problems with their dispute team as well, and have been told the same thing as me.
Consumer complaint received 2021-07-19
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: Happy Money, Inc. (TX)

Happy Money , Inc. is violating FCRA regulations by reporting fraudulent information on my credit. As per their request, I have sent them police reports, court documents & FTC affidavits documenting bona-fide ID Theft/ Fraud however they have failed to remove my account as other creditors involved have already done which has lowered my credit score by over 200 points.

Happy Money, Inc. can not provide proper validation that is required by federal and Texas state law in order to credit report. They can not provide me with any original credit application or signed loan contract with my original signature displaying that I borrowed money or applied to borrow from them which is a strict violation of FCRA. All they can provide is online documentation with a computer generated signature -- nothing that connects the debt to me legally by original signature as strictly required by Texas Finance code.

As per federal and state law credit reporting agencies must remove any information from a consumer credit report that can not be properly validated OR IS DEEMED FRAUDULENT.
Consumer complaint received 2023-02-15
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I sent XXXX XXXX XXXX a Debt Validation Letter on XX/XX/2022. I first received a letter from them a few days after XX/XX/2022 as the first letter is dated XX/XX/2022. XXXX XXXX XXXX has failed to respond to my Debt Validation Letter which is a violation of the FDCPA. I have all my documents to prove that I sent them a Letter. I disputed this issue twice with Equifax and nothing was done. The first time I disputed without any documentation and the second time I disputed with documentation. XXXX XXXX XXXX was added to my Equifax report in XX/XX/2022 but I received the first letter from XXXX XXXX XXXX XX/XX/2022 so that doesn't make sense either. XXXX XXXX XXXX and Equifax has completely ignored the Debt Validation Letter issue. Something needs to be done or will my next steps will be contacting my state 's attorney general.
Consumer complaint received 2021-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

old CFPB case # XXXX, XXXX isn't solved. Bank of America closed in XX/XX/XXXX. Now is XX/XX/XXXX. But I haven't received my remaining balance since they closed my account. They are holding more than {$30000.00} of mine and get me into a financial hardship. I went to their branch at XXXX XXXX XXXX XXXX, XXXX, CA XXXX in the end of XXXX to try to change my address. Their clerk told me to change it on their mobile app in my phone. I did it in front of their clerk. The bank closed my account in XX/XX/XXXX and said they have sent a notice letter and a check to my old address. But I am not able to get any mail from the old address since the end of XXXX. I never get any phone, text or email notice from the bank even though they have all of my information. It's the bank 's mistake which did not update my address on time and did not give me any notice to close my account.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (GA)

By law I advised the CRA to remove every address thats not Mines that I did not register with them or USPS or updated. 
My Only Addresses on file with CRA should only be XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX And XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ga XXXX. 
Other addresses are not Mines I dont receive mail there or live there, they refuse to remove said addresses. They are collecting wrong inaccurate information and went to correct it and they will not delete.
Consumer complaint received 2021-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (AL)

I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2021-06-01
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. (OH)

This account is still showing on my credit report and its over 2-3 months. Ive contacted Transunion and the collection agency. No information given. No status update. Nothing. I never entered contract with any of these companies and Transunion and XXXX XXXX and I never gave permission nor notified of this account even adding to my credit report. This account was added without my knowledge and now Transunion is ignoring my investigations. 

Also for the US DEPT ED account - no contract with this as well. This account is discharged as well. I do not even owe any student loans, that's how I know they XXXX not investigating into anything. 

Please know, I do have ALL of the tracking for these investigations and I have filed report with FTC as these account shouldn't even be on my report.
Consumer complaint received 2021-10-22
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. (TX)

I checked my credit report XXXX of XXXX because I did not agree with a collection that was on my report the original creditor is " XXXX XXXX XXXX '' and the debt collector is " XXXX '' The debt collector informed me that I owe {$2000.00} ( I have a copy of what they sent me ) Equifax, However, was reporting that I owe {$2000.00}, So I asked Equifax to re-investigate this matter because they weren't reporting the same amount ( after it came back " validated '' ) It has now been over a month and I have not heard back from Equifax. 

My next complaint is for the same account but this time with XXXX the same process from above was followed. XXXX, also was reporting that the balance owed was {$2000.00} I then sent them a letter its been well over a month not only have I not heard back from them- they UPDATED the balance owed to {$2000.00} another incorrect balance if these are the SAME ACCOUNT I don't understand why I'm being told 3 different balances. 

I'd like for this all to be removed from my credit file. 

In my possession I have the invoice from the original creditor, debt collector & the letters save that I sent to both credit bureaus.
Consumer complaint received 2021-10-22
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened a new account onXX/XX/2021. this was part of a citibank promo with a bonus to be paid out in 90 days after all qualifying activities were completed. so if I count 150 days from XX/XX/XXXX, the date is XX/XX/XXXX. today, is XX/XX/XXXX, and I have seen nothing. 
I have called Repeatedly to Citi customer service, escalated to the XXXX XXXX, CA brand managers and keep getting apologies about the delay and promises that it will be done in a day or two. during my XXXX call, I was assured no later than XX/XX/XXXX, and when I called last week, I was told no later than yesterday. There are several emails that been unanswered by Citibbank. 
i now need to escalate to you and Citi management to get this resolved as soon as possible. Clearly, this is false and misleading advertising.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Negative accounts are being reported on all three of my Credit Reports : XXXX, XXXX, and Transunion. I have been disputing this item since XX/XX/XXXX every 30 to 45 days in 6 rounds intervals, taking a pause for 60 days and reengaging. Each time I have disputed this item, the credit bureaus state that the debt is valid and updated on my reports. I have contacted the creditor directly repeatedly since XX/XX/XXXX and each time, they have sent me statements and credit card application when I requested proof of the account. I have even offered to pay for deletion of debt on my credit reports. This will be my 5th round of letters to this creditor and they still refuse to remove this negative account from my credit reports. Additionally, several negative accounts are being reported multiple time on each credits report. It is showing the alleged negative account reported from the original creditor and multiple negative collection accounts for the same debt for several different providers, some of which are not legally allowed to collect in my state of residence.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

XX/XX/2023 I went to a Wells Fargo XXXX XXXX and I also reached out to the XXXX ( XXXX ) XXXX number. I had transactions on my card that weren't mine they were XXXX or XXXX transactions and the total of the purchases was in {$700.00} 's .They cancelled my debt card for I believe it is 1 year. I was told that they weren't going to refund me anything. Upon contacting Customer Service I was told that they could not do anything because the card was closed. 

This is an inappropriate way to handle the matter. This was the second time that fraud had occurred to me using my debit card. 

My original card was replaced and I noticed that money on the account wasn't what I should have. 

When I went to branch to discuss the matter the person was very unprofessional and treated me as if I were committing fraud. 

I explained that the funds we're not approved by me. That I was never notified as the bank used to verify purchases prior to paying for purchases.
Consumer complaint received 2020-11-23
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)

These accounts were disputed with TransUnion and XXXX but they have not been removed. These accounts are 100 % fraudulent. 

Account Name XXXX XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date XXXX Account TypeCollection ResponsibilityIndividual Date XXXX StatusCollection account. {$740.00} past due as of XX/XX/XXXX. 
Status UpdatedMar XXXX Balance {$740.00} Balance XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$740.00} Highest Balance {$0.00} Terms1 Months On Record UntilAug XXXX Account NameXXXX XXXX XXXX Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$1000.00} written off. {$960.00} past due as of XX/XX/XXXX. 
Status UpdatedJun XXXX Balance {$960.00} Balance XXXX Recent Payment $ 0 Monthly Payment {$0.00} XXXX XXXX {$800.00} Highest Balance {$1000.00} TermsNA On Record UntilJul XXXX Account NameXXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Status UpdatedAug XXXX Balance {$1200.00} Balance XXXX Recent Payment $ 0 Monthly Payment {$0.00} XXXX XXXX Highest Balance {$1400.00} TermsNA On Record UntilAug XXXX Account NameXXXX XXXX XXXX XXXX Account XXXX Account TypeUnsecured ResponsibilityIndividual Date XXXX StatusTransferred, closed. {$0.00} written off. 
Status UpdatedJan XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Original Balance {$2500.00} Highest Balance {$0.00} XXXX Months
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I declared bk in 2017 however I recently received copy of my fico report and was shocked to see XXXX transition and experience reporting thst I have 18 to 30 late payments derogatory accts or negative which none of my accts current or included in bk were ever late!! To the contrary I have an excellent payment history!! Further my XXXX. XXXX immediately lowered my score XXXX points when I disputed accts that were not charged off but included in bk!! I already took a hit back when I filed therefore I am being hit again after numerous disputes!
Consumer complaint received 2021-06-01
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. (GA)

The below account has been submitted to a collection agency in error. I have contacted the original debtor to verify that it was submitted to XXXX XXXX XXXX XXXX as a mistake. I am attaching the corresponding letter from the original debtor XXXX XXXX XXXX for reference. This account has been submitted as a collection account on all three credit profiles. I have since contacted Equifax, XXXX, and XXXX to have this account removed, to no avail.
Consumer complaint received 2021-06-01
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 have disputed this account several times to the credit bureaus. I have sent them a copy of the debt cancellation letter and its still not being removed. Please help I called XXXX Bank and they have said there isnt anything else they can do This is a XXXX XXXX/XXXX  bank account.
Consumer complaint received 2018-07-02
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. (CA)

XX/XX/2017 I had pulled my credit I sent dispute letters to This company the original furnisher and as well and the 3 credit  bureaus. They only sent me a bill stating that this debt meets FCRA and is in compliance. I had sent a second round of letters asking why they had pulled my credit without my knowledge as well as. what exactly was this because. this was not consumer debt. 2 other Bureaus deleted it because it was one not mine and secondly because it was not consumer debt. it was a judgment for a tenant with same name as me. My social Doesn't match. and on this web site it shouldn't be there. 


https : //www.experian.com/XXXX
Consumer complaint received 2021-06-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (MN)

ROBINHOOD trading platform has had my account in " restricted '' status for a month without cause. I used their " instant deposit '' feature and have emailed them through their website about this several times. Each time, I got a boilerplate, AI response that failed to address the issue. As a result, I have ( 1 ) incurred debt ( 2 ) been unable to pay bills and ( 3 ) now can not pay my tuition.

This company uses its " instant deposit '' scam to hold customer funds for long periods of time. Despite the fact that I have a Robinhood debit card with an ACH and account number ( through XXXX XXXX ) 1. RH does not permit inbound wires 2. RH does not have a way to make debit card purchases 3. RH does not have customer service via telephone 4. RH benefits by pooling funds and holding them in violation of the Electronic Funds Transfer Act
Consumer complaint received 2021-06-01
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: Experian Information Solutions Inc. (TN)

I have tried 30 different phone numbers to contact Experian, XXXX  and XXXX for a free Credit Report with no luck. I've also sent emails with no luck. I have an online account with the Bureaus and can't access my online account as well.