davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
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. (VA)

I accordance with the Fair Credit Reporting act 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 2023-03-28
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: EQUIFAX, INC. (NY)

On XX/XX/2023 The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on My credit report as well
Consumer complaint received 2020-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (FL)

I just saw a debt with Ability recovery on my credit from XXXX XXXX I contact them about this debt I advised them that my personal information was stolen and that I had no need for there services because I have my high school diploma. They told me to send over copy of my diploma in which I sent my transcript showing I passed they told me it will be look and update in 24hrs as of XX/XX/2020 now I called back they are telling me they cant help me.
Consumer complaint received 2020-06-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Credit Acceptance Corporation is erroneously reporting my account 30 days past due to the major credit reporting agencies. I have reached out to the company to dispute this erroneous reporting and to request a statement of payments and charges. They have stated to me that I have to complete a dispute form and that would be mailed to me. I have requested this information since XX/XX/2020 and it is now XXXX and I never received the document. I requested it twice. There is a discrepency of approximately {$180.00} which I believe are late fees, however they are reporting my payment of {$520.00} late since XXXX and my regular monthly payment is not 30 days past due. The representatives are rude and are not clear with what the discrepency is. Please assist me with dealing with this matter. The remedy I am seeking is for XXXX XXXX XXXX to remove the late reporting to my credit reports and to correct my billing. Thank you.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

I am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Upon speaking to the bankruptcy court, they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood. I can't provide a good life for my children due to these falsified damages from the bankruptcies. I am upset!! You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.
Consumer complaint received 2020-12-01
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. (GA)

I pulled my credit report and I saw XXXX XXXX  for XXXX  XXXX  XXXX two companies that I have never done business with. This is result of identity theft and I would like it handled immediately
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-03-28
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 follow-up complaint to tell you that I need these items in my file removed pronto : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The listed items are erroneously placed in my file I need them gone right away
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX They have all been paid off and promised me they were to delete it off my credit report once paid off and they are paid off with a XXXX balacnce.
Consumer complaint received 2023-03-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (OH)

XX/XX/2023, I requested PNC Bank at XXXX XXXX, XXXX, XXXX  to wire {$10000.00} to my brother XXXX XXXX XXXX XXXX XXXX, XXXX Unfortunately bank wired the money twice. The bank wire person called me and indicated, she wired the money twice by mistake and made request right away to recall the duplicate wire. My brother is unable to draw duplicate wire and send it back due to XXXX financial crisis. Now bank is refusing to refund my money which bank wired duplicate funds without my knowledge and authorization. In spite of several requests they are ignoring it. 
Wire reference and complaint # XXXX XXXX Phone # XXXX XXXX XXXX.
Consumer complaint received 2023-03-27
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: GOLDMAN SACHS BANK USA (IL)

Goldman Sachs is in violation of my consumer rights according to the FCRA. Pursuant to 15 USC 1666b.

15 U.S. Code 1666b - Timing of payments- ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2023-03-27
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (MI)

XX/XX/2023 XXXX XXXX, contacted me telling me I had a payment of XXXX to the XXXX at XXXX XXXX, I told them okay, can you inform me of the specific, they listed everything, I said alright. Is there website page or contract I can look into so I can understand see a full report, they told me no, you have to pay today, Im currently driving and said this isnt a time right now, I need to understand what Im paying cause I dont want to give my account out to people I dont know. Especially since I dont even have the funds today. They said we tried to reach out to you multiple times, via Mail, email, etc. I said I never had this before this is my first notice I didnt even know I had anything owed as I gave the XXXX my contact information when I left, they kept pestering saying well you need to make time right now, weve been trying to contact you over a year, even though I was just living there XXXX months back. So I told them when I look into it Ill contact them back and do what I need too but I need time and they said no you need to do this now. So I just hanged up and said bye as they were not willing to negotiate or give me anything to look into.
Consumer complaint received 2023-03-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (AL)

I bought a XXXX XXXX XXXX XXXX at 13 % + in XXXX while in the military. After financing issues, I was approved. I paid the XXXX off in about 3 years when I XXXX in XXXX. Once I get back from XXXX, I found letter stating that I was being sent to collections due to under payment even though I asked for a 30 day payoff and submitted payment within 10 days. It has no phone off of my report, but I did not receive the difference from the gap insurance payment. This company damaged my credit for seven years, and now I have found out shady practices were being used.
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (MI)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

The company that services my mortgage is Mr. Cooper. This company has proven to be incompetent, unreliable, and untrustworthy regarding the servicing of my mortgage. Here are some of the issues I have had with them : My XXXX homeowners insurance premium of {$2800.00} was due by XX/XX/XXXX. Mr. Cooper did not pay that premium in a timely manner and my homeowners insurance policy was cancelled due to nonpayment. ( I had to contact my insurance agency to work on my behalf and eventually the policy was reinstated. ) In XXXX of XXXX, after an Escrow analysis showed there was a shortage of {$3700.00} in the account, I called Mr. Cooper and asked if I could pay the difference for that Escrow shortage so that my mortgage payment would not increase. The agent advised me I could do that, so I paid that {$3700.00} over the phone to her, and I specified that that money was to be applied to the Escrow account. However, that money was mishandled and incorrectly applied as XXXX separate mortgage payments -- XXXX in the amount of {$1900.00} as a " monthly payment '' and XXXX in the amount of {$1800.00} as an " additional principal '' payment. When I called Mr. Cooper to have them correct the error, I was told that they could not fix it because it was too late. After speaking with different people over the course of several days and pushing for them to correct their error, they finally corrected the error and applied that {$3700.00} appropriately to the Escrow account. 
My XXXX homeowners insurance premium of {$4100.00} was due by XX/XX/XXXX. Mr. Cooper did not pay that premium and my homeowners insurance policy was cancelled due to nonpayment. I called Mr. Cooper and an agent apologized and advised they would overnight the check to my homeowners insurance company. 
When Mr. Cooper paid that late XXXX homeowners insurance premium, it did so XXXXpaying {$4100.00} on XX/XX/XXXX and then paying {$4100.00} again on XX/XX/XXXX. As a result of their overpayment, there is now a negative balance in my Escrow account. 
On XX/XX/XXXX, I received a check from my homeowners insurance company for the {$4100.00} overpayment mentioned above. I called Mr. Cooper and was advised that I should cash the check, make an Escrow payment in that amount on the website, and then call them to advise I did so. I am not at all confident that when I make that payment as an Escrow deposit it will be correctly applied to the Escrow account. Instead, I am afraid it will once again be applied incorrectly.
Consumer complaint received 2020-12-01
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: Synovus Bank (MI)

I rented a car from XXXX. I returned the car when requested. They put a {$72.00} hold on my card ( and some change ) However they charged me for two days, because apparently they couldn't locate the car in construction at the airport. I parked where requested but there was no employee there to assist. They charged {$160.00} on XX/XX/XXXX. I called XXXX XXXX to dispute it. They suggested I cancel that card and get a new one to prevent them from charging any more. I did. My dispute started then. They removed the charge from the original card and put it on my new card. Then in XXXX they allowed XXXX to put on XXXX for {$22.00} ; XXXX {$65.00} ; and XX/XX/XXXX {$7.00}. They show on the statements they credited it, but am still requiring payment on it. They never had my new credit card number to get authorization for it, so not sure how XXXX can even charge my card. The bank is showing {$220.00} in disputed charges. But again am requiring me to make payment. I closed my account as the only way to prevent them from allowing more charges and charging me more interest and fees. Can you please help. You can't talk to anyone about it, other than customer service. No email, no fax. You have to plan on at least an hour when you call them as they don't answer their phones, due to " covid '' I don't know how they can continue to allow charges when no one has my new card number or authorization.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hi, I am the executor of the estate of my sister XXXX XXXX XXXX. I have been trying to close an account that my siister had at Capital One. Account number XXXX ; Capital One XXXX # : XXXX. 

The only way to contact Capital One regarding estate case is by email. On XX/XX/2023, I emailed XXXX. I received an automatice response stating that I will be contacted in 5 business days. if I have othe questions, call ( XXXX ) XXXX. I waited for a call from Capital One. When no one contacted me I called the ( XXXX ) XXXX. It is a general nubmer for Capital One. I was told that the only think they could do was send an email to XXXX. 

On XX/XX/XXXX, XXXX, I send another email to XXXX. I received another automatic response telling me I would be contacted within 5 business days. On XXXX????, XXXX, I wrote a letter to the XXXX, XXXX XXXX. 

It is now XX/XX/2023 and I have not been contacted by Capital One or XXXX XXXX.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Back in 2006, I lost my card with Bank of America which incurred fraudulent charges. I paid the fees Bank of America requested and was placed on the fraud list. I have been trying to get off the Fraud list since then. I can not open any personal accounts with other banks. I need this to be resolved.
Consumer complaint received 2019-02-18
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. (NC)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on several loans with the XXXX XXXX XXXX that have a {$0.00} balance and a {$0.00} past due. This is harming my credit and it is obviously impossible to be past due on something that does not have a balance. The are four XXXX XXXX XXXX accounts that are reporting incorrectly.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (AZ)

XX/XX/XXXX - Online order for cabinet knobs. Total order {$370.00}. Home Depot Credit Card ( citibank ) charged {$370.00}. ONLINE ORDER # XXXX XX/XX/XXXX - Cancelled cabinet knob order. Balance refunded {$320.00}. Difference of {$49.00}. 
XX/XX/XXXX - Called XXXX XXXX store in XXXX, AZ to question difference. Customer Service desk told me because part of the order had to be ordered from manufacturer, credit would be issued once goods were received by store - then difference would be credited back. 
XX/XX/XXXX - Called Home Depot Credit card number- they transferred to Credit Services, who then transferred to Customer Service at the XXXX  store who told me this was a citibank issue. 
XX/XX/XXXX - Called Citibank- they said it was a XXXX XXXX issue and transferred me back to Customer Service Desk at XXXX XXXX. 
XX/XX/XXXX - Visited XXXX XXXX Customer service desk in XXXX XXXX, AZ. XXXX and XXXX were able to contact the XXXX store and get a {$50.00} credit issued. Said credit could take 7-10- days. 
XX/XX/XXXX - Received collections call from Citi Bank. Balance of {$49.00} was due XX/XX/XXXX plus late fee of {$29.00}. 
XX/XX/XXXX - Called XXXX, store manager at XXXX XXXX XXXX. He said credit appeared on their computer. Tried to track down why credit wasn't transferring over to Citi Bank and our credit card. Could not do anything more but indicated he had contacted Citi Bank Resolution department and to contact them with the case number he said was opened- Case Number XXXX XXXX - call XXXX. 
XX/XX/XXXX - Called XXXX spoke to XXXX. Transferred to different department- XXXX. No updates- could not find case # - told me to call back in 30-90 days then hung up on me. 
XX/XX/XXXX - Late calls continued with late fees. 
XX/XX/XXXX - Paid off most of credit balance. Will not risk credit rating and harassing calls for a {$50.00} balance. 
XX/XX/XXXX - called XXXX ( Citi Bank ) to follow-up with case number. Spoke to XXXX who said they have nothing in their notes about a complaint and suggested I call XXXX XXXX @ XXXX to inquire. 
XX/XX/XXXX - called XXXX ( XXXX XXXX ). Automated system - requested Customer Service Department - reason I stated - complaint. Was disconnected. 
XX/XX/XXXX - made final payment of {$19.00} for original charge and credit which was not received to zero out balance. 
**Not sure if this is a Citi Bank issue or a XXXX XXXX issue but I have spent HOURS going through automated systems, being transferred back and forth, and being disconnected. Total paid which I'm requesting refund for - {$78.00}