davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : XXXX XXXX Date Opened : XX/XX/XXXX Balance $ 0-Late/Open Late Dates XX/XX/XXXX, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance $ XXXXLate/Closed Late Date XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance $ XXXX-Late/Closed Late Dates XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance $ 0-Late/Closed Late Dates XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance $ XXXXLate/Closed Late Dates XXXX
Consumer complaint received 2022-03-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pro Com Services of Illinois, Inc. (IL)

Apparently, I have had an account with ProCom Services of IL for about XXXX years. Due to my Spam call blocker, I dont get notifications when my phone rings for unknown callers. ProCom has never left me a message so I did not know they were calling me. I did actually pick up the line and was informed that I was in collection. Since this was the first I had heard of it, I thought the collector was scamming me because she refused to send me anything in the mail verifying the claim. 

Now, Im here months later and have had my third conversation with ProCom. The second representative and I spoke and he mentioned that the bill had not been to insurance. Again, I asked this person to send me something in writing so I could verify the charges. He also refused. ProCom claims that since they sent me the original debt collection bill that they are no longer obligated to send another. I begged them to send me XXXX and they refused. 

That made me finally investigate what this charge might be. I contacted my original medical provider and they did indicate that they sent the bill to collection. They also told me that I should dispute the claim based on how the caller said it didnt go through insurance. 

Since I cant get ProCom to send me anything in writing I drove to their office to speak to someone so I could see the paperwork on my account. They had a sign on the door stating that their lobby is closed and no one could walk in to speak with them. 

Now comes call number XXXX. I spoke with the man and told him what the medical office told me to do. He put disputed on the claim but again refused to send me anything in writing. I shared with him how silly it was that we have spent so much time on the phone discussing this when its a simple piece of paper and a stamp. He agreed and said that he thinks its a waste of his clerical team to send it out. I even told him I drove to his business and his only responses were that they have been in business over XXXX years and this is how they operate and that if I wanted to stay in collection, this was how it was done. 

Its only a piece of paper I want. Why is that so hard for them to send me a copy of the invoice?
Consumer complaint received 2023-03-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (HI)

I have credit cards with Amazon, Sam 's club, and Lowes. They are handled by Synchrony Bank. I pay these accounts on-line and schedule payments to be paid on the due date. Synchrony has now started charging me a late fee because are using the date when they process the payment and not the date when the funds are paid and available. It is not my fault that they can not process the payment when it is paid and they take a day or two later to process the payment and then charge a late fee.
Consumer complaint received 2022-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BCI FINANCIAL GROUP, INC. (GA)

I secured a mortgage in XX/XX/2020 with City National Bank Bank. At the beginning of this year I received a notice ( attached ) that the servicer had changed from City National to XXXX XXXX XXXX. I also received a notification from XXXX ( attached ) of a change in Creditor. I received my XXXX statement form XXXX  and make that payment to them. At the end of XXXX I received a statement from City National that I was delinquent on my XXXX. When I contacted them, they had no record of the loan/servicer being transferred. So effectively, I have two servicers collecting on the same mortgage. I have opened " cases '' with both servicers, but in two weeks neither has made any progress in resolving the issue. Attached are XXXX statements for each. 

I contacted the trustee listed on the Change in Creditor notice who indicated that XXXX XXXX XXXX was in fact the servicer ( see attached ). I forwarded this to City National and they have been unresponsive. XXXX has been actively trying to resolve this for me although I opened an earlier complaint ( XXXX ) for a insurance related servicing issue I experienced when they assumed servicing.
Consumer complaint received 2022-08-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-08-22
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} U S DEPT OF EDXXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$89.00} XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00}
Consumer complaint received 2022-07-08
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. (TX)

I have recently reviewed my consumer report and there are several inquiries that I have not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit R

eporting Act 15 USC 1681 Section 602 A I have the right to privacy 15 USC 1681 Section 604 A Section 2 No financial institution is supposed to share my information to a third party. I did not give written permission to have the accounts added to my credit report. 15 USC 1681 et SEQ I have also filed a police report for fraudulent inquires and they are list
on the report see attached documents
Consumer complaint received 2021-08-30
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. (NC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-08-22
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. (GA)

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inaccurate information and unauthorized inquiries in my personal file : XXXX Inquiry Date XX/XX/2021 XXXX Inquiry Date XX/XX/2021 XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-04-18
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: CITIBANK, N.A. (MI)

I communicated to Citibank that a charge to our account appeared on our statement, and that the charge was not authorized by anyone authorized to use the card. The date of the charge was XX/XX/2022, the amount was {$99.00}, and the Merchant/Description was XXXX XXXX NJ. 
I received a letter via XXXX Mail from Citibank, dated XX/XX/2022, thanking me for notifying them of the unauthorized transaction and advising that they would notify me if they needed additional information. 
I next received communication from Citibank on XX/XX/2022 via email. It stated that Citibank had received information from the merchant and needed me to confirm whether or not this transaction was authorized. A copy of the merchant 's response was included as a XXXX page pdf file. 

I responded to XXXX with a pdf of a signed copy of an affirmation that " Neither I, nor anyone authorized by me, made this charge or received any benefit. '' My email included the following statement ; " Please find attached a copy of my signed statement regarding our $ XXXX with Healthreliefproducts XXXX NJ. 
We did not purchase any product ( s ) from this company, nor did we receive any. 
The company in question did not provide information regarding shipping or delivery. 
There is no evidence that this was an authorized purchase or an authorized use of our credit card. '' I next received communication from Citibank on XX/XX/2022 indicating that I had a message in my Statements and Documents folder regarding my billing dispute. I was surprised to read that Citibank had issued a letter dated XX/XX/2022 as follows. 

This letter concerns the transaction described below made with card number XXXX : Date Amount Description XX/XX/2022 {$99.00} XXXX XXXXXXXX NJ We have completed our investigation and found you are responsible for the above referenced transaction. Your account will be rebilled based on the following : The merchant provided documentation confirming this is a valid charge. 
We have enclosed a copy This communication included the same 9 page file submitted by the merchant. The 9 pages from the merchant contained no evidence of what items may have been ordered, no type of billing statement or receipt, no information of mode of transportation of goods or delivery date. 

In summary, this was not an authorized transaction and the merchant does not present any evidence of any delivery of any products being made. I believe that Citibank has failed to properly investigate this matter and has incorrectly determined that I am liable for the disputed charges.
Consumer complaint received 2022-08-22
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)

This is my several times to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrong doing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Per FCRA section 605 you are required to remove any account listed on an ID THEFT REPORT # XXXX. My information has been exposed in the XXXX data breach. I also included the Police Report # XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$71000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$19000.00}
Consumer complaint received 2022-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (CT)

I opened a Convenience Checking account ( Account No. XXXX ) with TD Bank on XX/XX/XXXX. I closed the account on XX/XX/XXXX. During the course of the account ownership, I received an account opening bonus of several hundred dollars.

Despite the fact that the bonus counts as interest income for the purposes of filing federal taxes, TD Bank declined to timely deliver to me an INT-1099 form. ( Despite the fact that all other TD Bank mail has been delivered, including advertisements for opening a credit card with them dated after my account has been closed, I did not receive the INT-1099 form. ) And because my account has been closed, I can not access the form online. 

When I attempted to call them on XX/XX/XXXX, I was advised that the form had been mailed out, but that there must have been a problem with the mail. I was then advised, falsely, that I was not eligible to receive an INT-1099 because I hadn't incurred more than {$10.00} in interest. I was then finally advised that I needed to speak with a TD Bank branch to access closed account information. 

I then called the TD Bank branch at XXXX XXXX XXXX, XXXX XXXX, CT, at XXXX. I was again falsely advised that I was not eligible to receive an INT-1099 because " bonuses don't count as interest. '' ( Despite the fact that I have received INT-1099s for similar bonuses from other banks in the same market. ) Finally, I was advised that I would need to physically come into the bank to receive my form, if one could even be generated at all, because TD Bank lacks the ability to communicate it to me in any other form. 

My request is fairly simple : I want the tax information that TD Bank has generated for me, which I need to file my taxes and which TD Bank has presumably already provided the Internal Revenue Service. My problem is also straightforward : the procedure that TD Bank has developed for obtaining this information is complicated, inconvenient, and teeming with misrepresentations. In failing to make my tax information easily available to me, TD Bank is materially affecting my ability to file my taxes. If I miss the deadline to do so, or if I end up having to file incomplete information with the Internal Revenue Service, it will be TD Bank 's fault.
Consumer complaint received 2022-04-17
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. (PA)

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. 
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 m
y written instructions Inquires
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-04
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. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax and the XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2023-08-31
Product: Credit 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: Winklevoss Exchange LLC (WI)

I currently have a Gemini Credit card ( XXXX ) which is from New York they are also a crypto exchange. On XX/XX/2023 I made a purchase ( {$2000.00} ) with XXXX XXXX through there vacation/travel division they also use to offer hotel deal to passengers that are flying with them as well. The purchase was for hotel stay with the XXXX XXXX in XXXX XXXX Nevada. for XX/XX/2023. I stayed at the hotel up to XX/XX/2023 due to the fact i became sick because there was toxic chemical on the entire floor. The XXXX made a comment that there was a painting convention here and perhaps were painting in there rooms and she noted all windows are sealed so maybe the chemical smell was coming from the doors. 

In any case I checked out of the XXXX XXXX and asked for them to send me a itemized bill which they did. The TOTAL amount of my stay was ( {$1100.00} ) which they sent me a copy of. They mention this is what they bill XXXX Vacations ( XXXX XXXX ). After I seen that XXXX vacation still owe me money ( {$2000.00} ) this I opened up a dispute with Gemini Credit Card dispute department and waited patiently. Keep in mind i have sent them emails and called them live at XXXX. The customer service person that answer the calls NEVER let you EVER talk with the credit card dispute department it is always them ( ESCALATING THE CASE ) the phrase they use many times which result in no reply 's. 

Finally after months i received a email from Gemini Support saying they have ruled in the merchants favor and i would be getting a reason why in the mail XXXX to 10 days. I waited 13 days before calling them stating i NEVER received anything in the mail from them. 

Then to my surprise the rep on the phone stated the {$2000.00} amount was NEVER investigated only the {$100.00} from the PLAZA was investigated and closed out. 

Again EVERY time i call they always say the SAME thing we will ESCALATE THIS. 
As of today XXXX writing XX/XX/2023 I NEVER received any letter from Gemini or any emails for additional information. I explained to them in emails that I will sue XXXX in civil court and need ALL information regarding my dispute if i deiced to go the civil court course and they DO NOT REPLY. 

I never been treated so unprofessional in my life with ANY credit card company just asking for basic information. I plan on writing to master card later to ask them to consider to revoke there right to use there credit card of the horrible customer service they are doing and things i mentioned above.. 

I have copies of my hotel stay at the PLAZA and a copy of my {$2000.00} charge from my credit card.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my several times to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrong doing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Per FCRA section 605 you are required to remove any account listed on an ID THEFT REPORT # XXXX. My information has been exposed in the XXXX data breach. I also included the Police Report # XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$71000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$19000.00}