davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and  fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-01-09
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$39000.00}.
Consumer complaint received 2022-07-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-05-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MI)

I transferred money to a vender for virtual currency. However the person kept asking for money. Thus I realized it was a scam. The amounts were {$300.00} and {$200.00} because of transfer limits. I tried to cancel the transaction but realized there was no function to cancel. I called Paypal and was not able too reach anyone. So i disputed the transaction and listed the possible scam. I then contacted support about the dispute and informed them of the scam. Now it has been 3 weeks and Paypal gave the scammer the money stating that they found in favor of the scammer. I then contacted the vender in which i was told i had to pay them XXXX more dollars to get my currencies. I told them to take it out of the XXXX i sent them. I was told they would not do that. And they are keeping my money. Have a nice day. I contacted PayPal stating what happened because of their resolution. And have yet to hear back from them. I gave pictures of the conversation with the vender. The dates of transfer were on the XXXX th of XXXX but would not clear until XX/XX/XXXX. I disputed the transaction soon after the transfer. Maybe an hour. Since this was done late at night. The dispute might have been on the XXXX th around XXXX. The company PayPal has yet to offer any information aside from telling me they resolved the issue. Which means they gave the money to the scammer.
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (MS)

I deposited a Certified Check ( {$12000.00} from XXXX  ) into my Trusit checking account - online deposit. Truist placed most of the funds on hold until XX/XX/2023. This seems an excessive lenght of time for a Cashier Check from another bank. I dont see the rish to Truist bank. Also, funds i try to sendusing the XXXX app are also, placed on hold. 

Hello XXXX XXXX, Account Number : Business Day of Deposit : XXXX Total Amount of Deposit ( s ) Subject to Hold : {$12000.00} Available XXXX : {$5500.00} Total Amount of Funds Held : {$6400.00} " During our review of your recent deposit ( s ), we found it necessary to place a hold on the check ( s ) deposited. This hold will delay the availability of these funds to cover any outstanding checks, ATM withdrawals, debit card purchases, or other debit items, such as cash withdrawals or wire transfers. 

We encourage you to monitor your available balance through Online Banking, Mobile Banking, or by contacting us at XXXX ( XXXX ). 

The reason for the hold and the date on which the funds will be available are outlined below : '' Deposit ( s ) Subject to Hold Funds Held from Deposit Date ( s ) Funds Will be Available Hold Reason {$12000.00} {$6400.00} XXXX Total Deposit for today exceeds {$5500.00}
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America has made a change to the way the debit card is working. I personally have a long standing account that is set to decline all. Meaning any time funds are not available the transaction should completely decline. This has worked for many years for me and has kept me from being charged fees when there's not enough of money in the account. 

Now I'm noticing when i have some money but not all the merchants if there's a XXXX dollars in the account but not enough to cover they will let the transaction process for all the money that is available. An example is if the coffee costs {$5.00} there's only {$3.00} in the account they will allow the {$3.00} to be debited and I have to pay the remaining balance to the merchant. 

This is super inconvenient not only should it not do this. But there have been instances where I have to cancel the transaction because I do not have the remaining balance. 

And when you cancel the transaction then you have to wait for the temporary hold the merchant placed on the account to release before the funds will be available again. 

I know that they've made an agreement with the credit card logo debit cards and order to do this however if there's not enough money to cover it should just decline unless I have chosen to set up some options like this.
Consumer complaint received 2023-01-09
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. (AR)

Regarding the erroneous information I discovered on my credit report, I am submitting this complaint. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. Below is the list of the fraudulent items I found on my Credit report that needs to be removed as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please provide me with copies proof of verification or any documents resulted from your investigation proving that these accounts and information belong under my name. If you can not provide me any documents, please remove the disputed accounts and information off from my XXXX XXXX
Consumer complaint received 2023-01-09
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. (CA)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

I opened a new City Priority account on XX/XX/2019 in hoping to get the promised XXXX XXXX XXXX bonus. I fulfilled all the requirements asked by CitiBank. However, they had been postponing crediting my account. First, it made false assumptions, claiming I did not met the requirements. I called in many, many times. Then I received a letter from CitiBank on XX/XX/2019, saying after investigation, it verified that due to some internal errors, my account was not credited, but it would do so within 90 days. I waited, but nothing happened. I contacted my banker. He said it would be fulfilled soon. It had been more than 5 months since I should have received my bonus. It seems CitiBank loves playing this type of scam and writes customers blank checks.
Consumer complaint received 2022-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (MI)

Someone used my personal information to obtain a Forever 21 credit card. Forever 21 issued the credit card even though the application address did not match my name and address. The credit card was issued to someone in Illinois, I believe. I have never lived in that state. 
The debt is {$1400.00}. The credit card company turned the debt over to XXXX XXXX XXXX. XXXX XXXX XXXX is now pursuing collection from me.
Consumer complaint received 2024-12-05
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

XXXX to XX/XX/2024- I am being targeted by Best Buy Citi Credit Card to increase penalties on my credit account, sabotaging efforts to keep account in good standing. I am an elderly customer being discriminated by Citi for age and income status, damaging my credit accounts with other banks.

Within one month, my credit score dropped over XXXX points from XXXX to XXXX, disqualifying me from any financial transactions.

I have no late payments ( until this week ) because I pay on time, monthly, plus pay off promotional balances early.

Best Buy Citi is attempting to run up interests fees ( late fees, over limit, etc ), falsely claiming to mail statements only to drill down on XXXX agents to confirm no statements have been mailed to me since XX/XX/2024. Citi falsely claims they sent emails of statements, but finally admitted to using an archaic XXXX mail I rarely even log onto. 

Best Buy Citi closed my account without notifying me two months ago. I had no idea until Monday when I called repeatedly to have an agent tell me why my balance went to late payments and now considered over limit and late.

After numerous calls, speaking to numerous agents, demanding to know what they based late fees on, I was told they couldn't tell me and couldn't explain what XXXX XXXX was for. Told my monthly payments were used to pay late fees, plus over limit fees.

Now I am over limit accruing late fees on XXXX City Card. XXXX Citi has been posting my monthly payments toward late fees I knew nothing about, ( no statements since XX/XX/2024 ). Even now I continue calling in payments by phone for over a year, trusting CITI to process properly.

I only found out when I disputed a charge Citi kept submitting by autopay of XXXX XXXX to my checking account months ago. My bank researched charges and after finding unauthorized, returned amount to my checking account. I still have no idea what this charge is.

-Not receiving paper statements as instructed. Best Buy Citi Card claimed statements were being sent to me through mail, which was also false. Best Buy Citi finally admitted they had been using an old XXXX email, which I don't use for years. 

-Paid monthly payments on time through phone calls.

-Asked each agent transfered to, that I wanted Ombudsman contact info, but all refused stating they " didn't know what that is "
Consumer complaint received 2022-07-14
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC. (WI)

Navient XXXX XXXX company report me 60 days late in XXXX. I have been literally harassed by this company and When I make a timely payment they reported me late and my wife 60 days late. After calling Navient to see why they reported me late I was told that it was a mistake and the negative information will be retracted. After waiting over 30 days this has not happened. Navient has lied to me stating and now I believe they are purposely trying to destroy my personal credit and create lies. I am asking that this situation be looked into.
Consumer complaint received 2024-11-04
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. (TX)

Given my consistent track record of meeting payment deadlines for this account without any delays, it's unjustifiable for me to face such issues. I kindly request the prompt updating of my account to accurately reflect this history.
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (UT)

Applied for a credit card with Citi. Approved, FICO SCORE XXXX - was told with card I would get 0 % on Purchases/BT for 18 months. Made a purchase, never got a statement - it was returned by post office. Citi never notified me of returned mail ; knowing I made a purchase I called to do a payment by phone ( where there website was down for me to be able to register the new card ) the payment was obviously late by a day - was charged a late fee and also received a notification that the late fee was waived - finally got logged in saw I was charged interest. After trying to resolve over the phone by waiting to be disconnected I logged on line and had a chat. Where I was told the actual terms only applied to balance transfers that they would enroll me in the COVID program to waive the foam deadline charge - good thing I followed up from my conversation two weeks ago. The finance charge was not waived. I talked two two different associates. They received more returned mail. The address was not updated this First time and th why are refusing to waive the finance charge. I was asked to call customer service where they disconnect and hang up on you. Fair and deceptive practices here
Consumer complaint received 2023-01-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (WI)

The Insurance company determined the vehicle was a total loss due to a drunk driver causing the accident. XXXX valued the vehicle at XXXX with was XXXX less than it was brand new a year and a half ago. All payments were made on time and all maintenance was done. The leasing company decided that it was their appreciation gained in the car therefore they are entitled to 100 % of the insurance payout. Throughout the lease I would get the month to month payout and I would know the end of lease buyout so I figured the the equity in the vehicle that I paid already over the year and a half I was due at least half of that. I assumed all the risk, payments and maintenance of the vehicle but due to circumstances beyond my control ( an at fault drunk driver hitting me ) I lost 100 % of the equity and XXXX downpayment and was now left with nothing because the lease company decided, denying me any ability to appeal that they are the lease holder and are entitled to 100 % of the value of the car.