davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
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. (NY)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 
15usc 1681 section 602states I have the to privacy 15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 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 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

My payments are due everymonth on the XXXX conns home plus reported my account 30 days past due for XXXX when it's not accurate we are on the XXXX of January 30 days have not passed I contacted them to dispute and I got a reply of since my payment for XX/XX/26 did not go through it is delinquent still no 30 days past due and they won't fix it.
Consumer complaint received 2021-08-09
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX/XXXX  XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-04-24
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. (TX)

In accordance with the Fair Credit Reporting Act. The List of Accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681. 
XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX Reference # XXXX XXXX Reference # XXXX XXXX U.S.C. 1681 Section 602 A States I have a 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 which antedates the report more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting Information with actual knowledge of errors.

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.

( a ) ( 1 ) ( B ) Reporting Information after notice and confirmation of errors.

A person shall not furnish information relating to a consumer to any reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate
Consumer complaint received 2021-03-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I submitted a dispute to XXXX, Equifax and XXXX  on XXXX.It 's been over 45 days and I have yet to hear back from then. XXXX, XXXX Equifax are in violation due to not responding back in time. I am kindly demanding these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2023-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (NJ)

I have a Master Card with Apple but the credit card is issued by Goldman Sachs Bank, the bank have been charging me excessive interest charges ; example, I received in my XXXXe a notification to make a payment to avoid extra charges for XXXX so I made an initial payment of {$500.00} in XX/XX/XXXX and so I kept getting messages of the same thing so I made another payment of {$200.00} on the XXXX  of XXXX and the bank still charged me {$120.00} in interest charges and this is not the first time, this is been going on since I got the credit card. No matter how much I pay to avoid interest charges, the bank still charges me with more interest charges and it is ridiculous.
Consumer complaint received 2021-02-03
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. (WI)

On XX/XX/2020 I mailed a dispute letter to Transunion and it was recieved on XX/XX/2020 and I waited 45 days before I contacted them to see why hasn't my dispute letter, disputing negative accounts has not been processed. Transunion verbally informed me over the telephone that my dispute letter would not be processed, I asked why? and was told to I was being transfered to a manager and the line disconnected. It has since been 60 days and Transunion has not responded, I have attachted the dispute letter and certified receipt that I sent to Transunion.
Consumer complaint received 2022-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (NY)

Dear Sir/Madam, I had a checking account and a secured credit card with Citi. A Citi rep later helped me cancel my checking account but did not cancel my secured credit card. 

Because Citi cancelled my checking, they deleted my Citi online account. 

I later received an email from Citi saying that I had a $ XXXX credit card bill that needed to be paid. I tried logging into Citi to see the transactions and to pay any balance. But I could not because Citi deleted my online account. 

I tried to sign up for another Citi account but I had lost my credit card. So I tried to call Citi to get a replacement card but they wont let me speak to an agent. 

Citi 's automated chat wants my SSN or debit/credit card number to proceed.

Every time I enter my SSN, it says it is not recognized.

There is no other way for me to contact Citi.

Now, Citi has added late fees and my bill is like {$100.00}. 

I need Citi to remove these late fees and issue me a new credit card.

Thank youXXXX XXXX
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2021-12-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Closed my savings act and checking account on XX/XX/2021 as if XX/XX/XXXX my checking acct is still open received and check for the remaining amount in my savings still have not received my amount from my checking and Iam being charged A monthly fee when my acct has been closed I have yet to receive my remaining amount for my checking acct, nit sure why one acct is closed and the other is open, I closed both at one time, I need answers and the remaining amount of my money called 4 times and I have not gotten anywhere, spent 2.5 hours on the phone trying to figure things out but no one seems to have the accurate answers for me
Consumer complaint received 2021-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

SchoolFirst Federal Credit Union in XXXX CA,XXXX allowed my ex-wife to remove my name from the account without my consent. This happened in XX/XX/2020. I was not able to withdraw any money from my account and was in financial difficulty for some time.
Consumer complaint received 2021-07-14
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)

I have reached out to all 3 credit reports to remove all old addresses, I have sent certified mail to all companies thats reporting the wrong address which has been over 6mos ago, and to change there information to the right address so I can remove the old addresses, but the credit reporting agencys still reporting old information.
Consumer complaint received 2022-05-20
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: ENCORE CAPITAL GROUP INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX account number 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, states that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Account Midland Credit Management, account number 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, states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX, Reference # 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 a account without my written instructions
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The List of Accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reference # XXXX XXXX Reference # XXXX 15 U.S.C. 1681 Section 602 A States I have a 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 which antedates the report more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting Information with actual knowledge of errors.

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.

( a ) ( 1 ) ( B ) Reporting Information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate
Consumer complaint received 2022-04-24
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. (TX)

In accordance with the Fair Credit Reporting act XXXX IL XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions
Consumer complaint received 2022-08-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (PA)

On XX/XX/22 XXXX requested and sent the authorization to transfer funds from my two PNC IRA 's  to my two XXXX IRAS. For two weeks nothing happened. I called PNC and they said they needed an overnight number. I called XXXX and they send an E-mail to PNC with appropriate address. This was on XX/XX/XXXX ( PNC case # XXXX ). No one from PNC contacted me about the problem until after my call I got a letter from XXXX XXXX at PNC asking for physical overnight mailing. I waited another 10 days after XXXX sent the address and still no transfer, so I called PNC again and they said they had not recieved the overnight address. So I Iooked PNC 's address up and called PNC, but they said they could not take the address from me. I asked if PNC rep would make a single call to XXXX. NO! So on XXXX XXXXXX/XX/XXXX XXXX called for me. PNC denied having ever gotten the address, and they denied getting the transfer on the Roth IRA, even though it was sent along with the request for transfer of the regular IRAXXXX  PNC again would not let the XXXX guy give them the address with out me. Today : still no funds have arrived. PNC puts up on barrier after another to stall or discourage the transfer of funds. I figure I have lost around {$450.00} from this delay because the money was being moved form a .03 % account to a 3.45 %  account at XXXX.
Consumer complaint received 2023-07-20
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. (TX)

XXXX XXXX XXXX pull my credit and I never authorize or done any business with these people. 

Another company did the same thing post inquiry XXXX and XXXX XXXX. I called talked to someone and these companies and also called XXXX they told me they dont take off inquiries these are mine I was removed off my credit.
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NY)

this company has called me repeatedly. they will often call me multiple times an hour. between XXXX XXXX  and XXXX XXXX  alone they will call at least 7 times. They will call over the weekends and while I am at work. If they called once a day between XXXX and XXXX PM that would be fine. But they continuously harass me during my work day, during personal time, and even on holy days and holidays. i don't mind reminders, but this is harassment.
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (WA)

For many years I have been paying XXXX XXXX with automatic payments through my bank. I never had a problem until recently my payments stopped getting posted. I found out that the address the payments were being sent to for XXXX XXXX Account # XXXX ( Comenity Bank ) was no longer valid. I received a letter from Comenity Bank returning my check dated XX/XX/2022, advising that they no longer accept payments for XXXX XXXX. I updated this information with my bank ; however, after checking my bank account, I found that Comenity cashed and kept two other checks one dated XX/XX/2022 and another dated XX/XX/2022 both for {$100.00}. I contacted XXXX XXXX and confirmed that these two payments did not get credited to my XXXX account. 
I attempted to contact Comenity Bank directly to request the return of the {$200.00} ; however, each time I tried to call them, I was hung up on or cold transferred to XXXX XXXX. They were unwilling to assist. 
I just want the return of my {$200.00}.
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (VA)

CHIME took XXXX was taken. My statement is only showing 2 transaction when it should show 4 and they said they cant see my statement.
Consumer complaint received 2021-08-09
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: SLM CORPORATION (NJ)

I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft DPT EDXXXX Account Number : XXXX This is not mine. 

2. Identity Theft SALLIE MAE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX/XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MN)

At this XXXX XXXX XXXX retail store where this account was created not XXXX single employee held the particular salesman accountable. I called within XXXX days ( trial period ) to either inquire about why my bill was no where near the XXXX $ I was told the total would be with the plan and XXXX device payments or I would cancel. I was informed by customer service rep that since I purchased in store I had to call the exact store to return. Store refused to let me return stating they only will take the devices within a XXXX day period ( not true according to website and rep on phone ) and even tho we were brand new customers it didnt matter to them for any kind of trial on the service period. It was even within XXXX  days that I tried to cancel. I still stopped service within that XXXX days but direct location store wouldnt take devices due to their own reasoning that made no sense.
Consumer complaint received 2022-05-03
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. (TX)

In accordance with the Fair Credit Reporting act has XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX account # XXXX 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.

15 U.S.C 1692g states I have rights to validation of debts and also that I gave written communication to allow these accounts on my credit report.
Consumer complaint received 2022-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

I refinanced my home last year with XXXX XXXX, they assured me that they never sell their loans. This XXXX they sold my loan to Specialized loan servicing. The 1st time I tried to set up online payments, I was told there was already an online auto draft set up for this account by customer service. I advised them that was not true, I could not set my online account up. That was suppossedly corrected, last month 's payment of {$910.00} went through without any hitch. This month when I tried to make my monthly payment, my payment is {$1000.00}. over {$160.00}, more than normal. I called customer service and was told that an escrow analysis was done, and it showed a shortage. I advised that they have the home address and email address, neither one was communicated that there was any sort of shortage, nor was I given an opportunity to pay any shortage. I requested to speak with a manager, I was told they only had one more hour to work and the manager is not available. That he would call me back in the morning between XXXX. No one has attempted to reach me, it is after XXXX. I know predatory lending, I have been a Realtor for 32 years now. I never had a problem with XXXX XXXX