davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-13
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Fair Debt Collection Practices Act - 807. False or misleading representations
Consumer complaint received 2022-05-23
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Key 2 Recovery, Inc. (AZ)

I have been receiving calls from Key 2 Recovery to handle a incorrectly charged debt from my university. I have been in contact with Key 2 Recovery on multiple occasions ( XX/XX/XXXX and XXXX of XXXX ). We have been trying to handle the false charges as I have receipts and the school policy on where they went wrong. All of this evidence has been sent to the Key 2 Recovery team at XXXX and have confirmation they have received the documentation. I received a missed call at XXXXXXXX XXXX  MST XX/XX/XXXX and at XXXX XXXX  I am contacted by my mother that they called her twice to try and find a way to reach me. I explicitly outlined to them on our first interaction on XX/XX/XXXX to only contact me by phone. This is a clear violation of the FDCPA for the following reasons Debt collection agencies can only call you between the hours of XXXX XXXX and XXXX XXXX local time A debt collector can make telephone calls to a third party such as friends and family, but theyre limited in what they can say. For example, the debt collector has to identify himself and state theyre calling to confirm your address or contact information, but they cant say theyre trying to collect on a debt. 

For these reasons I am filing a complaint against the company for stepping outside the rules in the FDCPA.
Consumer complaint received 2022-10-13
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: Experian Information Solutions Inc. (GA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-10-26
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I contacted Transunion by phone and spoke with an agent. I informed them that I have a revolving credit line ( credit card ) with XXXX since XXXX that does not get reported on my credit report. I have already spoken to XXXX on many occasions regarding this and XXXX has assured me that they report to the credit bureau every month. The agent at Transunion told me that they do see the account in question however due to a balance dispute in XXXX, they have removed my account from the credit report. I asked Transunion that I would like my account to appear on my credit report because I have had it for 8 yrs, and the credit line is {$33000.00}, which both aspects would improve my credit score. Transunion told me there is no way to bring the account back on my credit report. I believe this is incorrect and does not follow the FCRA as my credit report is incomplete and inaccurate. The debtor is reporting every month, I am requesting the account to be reported, but Transunion is stating it can not. 

I contacted XXXX and XXXX has stated they will start reporting my account. When I contract XXXX ( also spoke to them on the phone today XX/XX/XXXX ), they inform me they do not see the account at all. XXXX has confirmed for me that they do report monthly to all 3 credit bureaus. So my dispute is with Transunion and with XXXX.
Consumer complaint received 2024-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MD)

Upon reviewing my account statements, I found excessive interest charges based on my account balance. I then went to my statements and found the APR charged higher than the agreement I signed when I opened the account.

My original account agreement from XXXX  states : " The APR for purchases is the prime rate plus ( i ) 11.99 % for Account Type XXXX, ( ii ) 17.99 % for Account Type XXXX, or ( iii ) 20.99 % for Account Type XXXX. ". 

As an account type XXXX, I should be charged : XXXX + the prime rate of 7.75 % = 28.74 %. 

My account is being charged 32 %. I called to dispute this issue. 

I was told that an updated agreement was sent to my inbox ( I never received this ), that increased my APR.

I requested to dispute this, and also to request a refund on the overcharge of interest. I was told that there is an option to opt out of the updated customer agreement from XXXX of this year ( I never received this updated agreement ), but that my acount would be closed if I chose to do so. They also denied my request for backpay. 

While I find it absurd they can have a 32 % APR, I understand that comes with their updated agreement which I can opt out of. But I never received this agreement until 6 months after it came into affect, and never had the option to opt out in the first place.
Consumer complaint received 2022-03-06
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: RoundPoint Mortgage Servicing LLC (MD)

RoundPoint Mortgage has shared my location information to a third party without my consent. Additionally, RoundPoint has received multiple cease and desist from the consumer and debt validation request with no response. The third party is now attempting to collect the alleged debt and threatening the consumer with foreclosure.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX {$12000.00} : DATE OF SERVICE : XX/XX/2021. 
PROVIDER OF SERVICE : XXXX XXXX XXXX XXXX To Whom It May Concern : I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that under the FCRA 15 U.S.C 1681i, every single one even each, any or all unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide standards according to regulations. 
The FOLLOWING derogatory accounts allegations are either, UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW. The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX By the provision of the Fair Credit Reporting Act and per the standards of the reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.
Consumer complaint received 2024-12-22
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (NY)

In a letter dated XX/XX/year> from Citibank that I received in the mail, I was informed that a credit line for Wayfair had been opened in my name. A week or so later I noticed through my credit monitoring with XXXX that this card now appeared on my credit report. I did not open this account. Someone stole my identity to open it and then immediately charged items to the full limit of the credit on the account. I dont know where the items were shipped because the billing statements I have received do not divulge that information. 

My wife and I were away in XXXX when this all happened so I did not take any action until XXXX when we returned home. I immediately froze my credit at all 3 bureaus, initiated a fraud report and filled out an FTC Identity Theft report. 

I called Citibank in XXXX and in a letter dated XX/XX/year> the account had been officially closed. However I still was not discharged the responsibility of paying for this balance which I did not accrue. 

For the last 4 months I have called multiple times and have been given the run-around by Citibank. I have filed a police report, at Citibank 's request, with my local sheriff. I have furnished Citibank with this report multiple times by fax, online submission and even through the mail. They have told me on the phone that they have never received this report or any other materials they have asked me to send them. 

I am currently attempting to rectify this directly through XXXX. They are working on my case and will forward the police report to Citibank and hopefully that will end this nightmare.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I need these hard inquiries removed using the Federal Credit Reporting Act 15 U.S.C 1681. I dont think its fair when XXXX and XXXX removed these items already and Trans Union did not yet. 


XXXX Inquiry date XX/XX/XXXX, XXXX Removal date XX/XX/XXXX Business type Banks and XXXX & XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX XXXX XXXX  XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Important dates Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX Additional details Business type Finance other than personal Contact info Address po box XXXX XXXX, XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address po box XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX XXXX XXXXXXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-08-13
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: Mobiloans, LLC (FL)

XXXX accordance with the fair credit reporting act XXXX {$100.00}, XXXX {$150.00}, and XXXX XXXX XXXX {$1200.00}. Has violated my rights. 

15 U S C 1681 section 602 A.states I have the right to privacy.

15 U S C 1681 section 604 A section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U C S 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-10-01
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: ROBINHOOD MARKETS INC. (MI)

The issue I am having is that Robinhood is insisting I owe the {$1400.00} as of XXXX this morning. 

To provide some backstory here, I more recently reached out to the platform to request a ban similar to how casinos allow people to ban themselves from XXXX 

The way Robinhood had everything setup and the trades they were allowing me to take, subsequently led to me basically losing over XXXX in the last 2 years. I went through bankruptcy etc. But I was still addicted to the platform and kept putting money into it. 

Well after things came to a turning point, I requested a full ban because I did not trust myself to have access. They did alot to dissuade me and I have proof of this. They at first suggested no such ban was even possible and that the most they would do is basically nothing. 

After making a ton of noise about this, they finally agreed to ban me from the platform. 

This being said, I just got an email today suggesting I owe Robinhood {$1400.00}. 

A reasonable person would simply call the company or get in contact for a quick explanation on how that is possible. Unfortunately, Robinhood hides their contact information. Its not possible to find their phone number nor find their email contacts. 

They have an inner part that handles support chats. So I went to use this support chat as I had used it in the past. This particular issue is not something they allow me to chat about. Thus they are refusing to actually speak with me about how the money is owed, where this figure is coming from and why it just suddenly came up after I left the platform and requested my ban. 

This has caused me alot of emotional duress. I have lost work related deals, lost time at work and real money to the platform itself. There is really no solution that does enough here. But they can start by saying I dont owe them anything because I dont. 

I'm unsure what documentation would be needed here. I have screen shots all covering the broad spectrum of issues at play here.
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CT)

Hi, The complaint refers to Citibank ( Reference ID : XXXX ) I have had joint checking and savings accounts with my wife, and several credit cards with Citibank, for several years. In addition, my current employer direct deposits my paychecks there and I also use the billpay platform to pay my utilities. 
We have been receiving multiple XXXX XXXX XXXX  requests over the past couple of weeks, each with successive and increasing levels of information being sought, in order to ensure that the accounts " remain in good standing. '' * First I was asked to validate basic information such as personal information ( name, address, etc. ).

* Second, I was asked to validate my employer name, which I complied with. 
* Then I was asked to provide information about my annual income, which reluctantly was provided, including updating my online customer profile. 
* The information provided in the online profile was not retained, and the phone calls continued, threatening us that the accounts will be closed or frozen. 
* Today, XX/XX/22 things escalated even further as we were asked to provide " sources of wealth '' and detailed assets, liabilities, and property valuations. I complained to the representative about this being intrusive to my privacy and unnecessary to operating the bank account and was once again threatened with account freeze by mid XXXX, should the information fail to be provided. 
My wife and I feel totally harassed, our privacy is being infringed upon, and now we have to incur unnecessary expenses to prove the valuation of home and assets. We are completely dumbfounded as to why Citibank is being unreasonable and asking for items such as " employment verification letter '' when my direct deposit clearly states the source of income. Attached please find the latest round of requirements. While Citibank claims that their XXXX rules may differ from other financial institutions, and we can easily switch accounts, we would like to formally complaints as other Citibank customers could be similarly targeted and inconvenienced. 
Despite our request, no information was provided about how this sensitive personal information will be handled, what is its chain of custody, who has authority to request or even view such private information for the purposes of validating our account information. 
We refuse such details and are asking for your help in resolving this matter. See attached request list from Citibank and you can judge for yourselves as to its overall reasonableness. 

Thank you,
Consumer complaint received 2024-12-12
Product: Credit 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: U.S. BANCORP (FL)

XXXX XXXX XXXX ( XXXX ) charge my credit card {$13000.00}. I purchased XXXX XXXX XXXX ( XXXX ) from Next in XX/XX/XXXX thru XX/XX/XXXX totaling ~ {$5200.00}. The insurance was paid in full in XX/XX/XXXX. After the insurance expired I obtained XXXX insurance from another carrier. Then 14 months later, in XX/XX/XXXX, without authorization, Next charged and additional {$13000.00} for " an incomplete WC audit. '' The transaction was not authorized nor involved a product or services. All requested accounting paperwork to complete the XXXX audit was sent to XXXX XXXX from XX/XX/XXXX thru XX/XX/XXXX, on XXXX separate occasions. I was informed by a representative in XXXX that the XXXX audit was completed in XXXX of XXXX. 

I disputed the unauthorized charge immediately. The dispute went back forth for three months, with US Bank removing the charge twice. Then in XX/XX/XXXX, US Bank sided with XXXX XXXX and reinstated the unauthorized charge. 

US Bank has refused to show any paperwork authorizing this charge. In addition, the reinstated charge went over my credit limit in excess of {$10000.00}. 

US Bank refuses to remove the unauthorize charge.
Consumer complaint received 2022-09-21
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. (WA)

I have been permanently opted out of receiving credit and insurance offers, which I completed several years ago, through the opt out provided by the FCRA and CFPB. Unfortunately, Experian is ignoring my permanent opt out status, and continues to supply my personal and credit information to credit and insurance agencies. I have confirmation that Experian was the credit agency responsible for providing these two companies with my information, illegally. 
I have tried, multiple times, both verbally and in writing, to contact Experian but have received no response concerning this matter. I am unsure why this credit agency is engaging in illegal activity, but I would hope that this business would be aware enough to follow the current federal statutes on this topic and begin to abide by the law.
Consumer complaint received 2022-09-21
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. (IL)

THIS COMPLAINT IS SUBMITTED BY MYSELF XXXX XXXX WITH NO ASSISTANCE. 

XXXX XXXX  ( XXXX ) This account is open! It has never been closed! The balance is XXXX The payment history since XX/XX/2022 till present ( XXXX ) is not reported It should be reported open. Payment history from XXXX XXXX XXXX  is on-time good
Consumer complaint received 2022-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.