davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

I received the attached email on XX/XX/XXXX, of XXXX and followed the steps below to open the account with a {$15000.00} initial deposit that I left in the account well over 60 days. In the beginning I was not able to fund the account because it required that I receive a debit card in order to make the electronic funds transfer. 

I called Citibank three times in the beginning letting them know I still have not received my debit card so that I can transfer the funds in 30 days. I asked the representative to note in my account that I had not received my debit card, thus could not make the required deposit within 30 days. They assured me I would still receive my bonus and told me that would note that in my account that I am still eligible for the bonus and sited that I did not receive the debit card yet to make the required transfer. 

Finally, I received my debit card in the mail and made the funds transfer immediately of the {$15000.00} which cleared on XX/XX/XXXX. I left the {$15000.00} in the account all the way to XX/XX/XXXX ( well over the 60-day requirement ) at which point I withdrew {$5000.00} of the money ( leaving {$10000.00} in my account to avoid monthly bank fees ). 

Since my funding of the account I have yet to receive my bonus and I have called them about 8 times inquiring about this. The last two times that I contacted Citibank about this are on XX/XX/XXXX where the woman I spoke with told me she would but in a request for my review. She had asked me for the promo code and I told her I did not see any promo code in the attached email, when she said don't worry I will look it up and put in the promo code for you. The Promo code that the representative put in was not the right promo code as I received the attached message saying that my promotion expired on XX/XX/XXXX ( obviously she put in the wrong promotion code ) I have attached that letter as well as my history of deposits and balances. I called Citibank again today on XX/XX/XXXX at XXXX and spoke with a supervisor named XXXX XXXX Employee ID # XXXX ) and she said she will send my information back for review again within Citibank . Since opening the account, I have only received XXXX cents in interest. 

I have asked Citibank if there is a way I can forward them the attached email that they sent me on XX/XX/XXXX and they said they have no way of doing that. This has dragged on far too long, thus the reason for my complaint.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

On XX/XX/XXXX year of 2021 i received notice that a change to my credit score has been made from Equifax. I used the app i have to investigate the situation, upon clicking of Equifax I noticed a 70 pts drop in my credit. Giving that i have froze my credit there should be no reason why my credit dropped that low moreover the fact that it just increased 98 points back in XXXX. XXXX  XXXX XXXX has closed an account on my report which should not normally drop my credit score that much. I believe this an attempt to damage my credit score because of the investigations I have had in previous months. Accounts have closed before and none had a drop let alone a drop that low decreasing my score that much which is very impactful to my financial status. Why was the account closed without giving me proper notice about it being closed? Why did my credit score drop so much for an account closing? I want answers and i want my score returned to a good state immediately!
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2020-07-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc. (NC)

XXXX XXXX XXXX never billed the Va choice and submitted to Paragon Revenue for collection and never sent me a copy of bill or sent me proof of billed sent to XXXX XXXX XXXX. They have never sent me a copy of medical bill either.
Consumer complaint received 2020-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ARVEST BANK GROUP, INC. (TX)

I settled a debt after being forced into a chargeoff because the company would not work with me when my financial situation became compromised. I paid the agreed upon payments on time and Arvest bank will not change my credit information to settled and is still reporting as a balance owed and negatively reporting charge off on my report monthly after the settlement was completed.
Consumer complaint received 2020-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I C System is continuously reporting a debt to my credit report that isn't owed to them. In my previous complaint, I asked them to cease and desist communication as well as delete this debt from my credit reports as I will handle this matter directly with the original creditor. 

I received a letter from I C System dated XX/XX/2020 stating that they are terminating all collection efforts but they are still reporting this account to my credit reports. 

The letter also states that XXXX XXXX hospital is both the original and current creditor. Well if that's so then why is it being reported on my credit file by I C System and not by XXXX XXXX XXXX in which I do not owe them either.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed this account several times even years without getting any Response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes I have made for these, including the certified mail tracking numbers. and despite this they ignore me, how is it possible to treat me this way, the truth is I'm tired of fighting and I feel Vulnerated ... What injustice. That's why I need you to help me.
Consumer complaint received 2022-07-14
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)

I sent a letter off on XX/XX/2022. Here are my tracking numbers # XXXX, XXXX, and XXXX To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681 : I have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802 : No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2020-11-14
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. (VA)

I signed up for the COVID relief plan with XXXX  XXXX XXXX and received a total of 6 new late payments being reported to my credit from XXXX. The program was to avoid this. I have sent several emails, left my contact information, and even a previous complaint with CFB. The company responded that it will look into my case but no one returned my calls. Their executive office number they gave me thru this message complaint never returned any phone calls.
Consumer complaint received 2024-11-15
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-15
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. (OH)

I am a victim of human trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Names XXXX XXXX XXXX XXXX XXXX XXXX Accounts ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX Remove these address ( es ) XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Employer ( XXXX ) XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

There's to many to list ongoing reposts of 2 late payments, that companies never reported as late balance take over 30 days to correct after balance are XXXX with Equifax, and XXXX  only numerous calls and letters to correct, they will correct XXXX but not all credit history in years incorrect balances incorrect on 5 or more accounts
Consumer complaint received 2020-11-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2024-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (NC)

I applied and was approved for the XXXX XXXX XXXX card on XX/XX/year>. The card had a promo for XXXX XXXX XXXX  miles for new customers when spending {$XXXX} within XXXX  months of approval. It is now XX/XX/XXXX and i have yet to receive my credit card after at least XXXX calls with XXXX  customer service and an escalated call with their XXXX. Here is my summary for the attenpts to receive my card : After the XXXX business days was well over for the initial receipt of card, I call customer service mid XXXX and was informed my card was never mailed out. The rep informed me they have no record of the mailing being sent out. They canceled the card and re-issued a new one, standard mail. End of XXXX, well after the standard timeframe that was provided for the replacement, the card did not arrive, I called customer service again and told the same thing, card was never shipped out, this time I was able to get the representative to expedite the card. They stated XXXX business days via XXXX. I waited XXXX or XXXX business days and still no card. Called customer service again and rep told me the same thing, requested to escalate and speak with their XXXX. Managers name was XXXX or XXXX and she informed me there was a note on my account for customer clarification but was unable to contact the mailing associate that noted my account for clarification and told me they were gone for the day. XXXX requested another expedited delivery of my card ( XXXX days via XXXX  ) and told me she would call me XXXX days later to inform me of the status of my card ( whether mailed or not ) and what customer clarification was needed. The interaction with XXXX was held on XX/XX/XXXX. No phone call as I was promised and no card still! I was planning on using this credit card for my familys vacation and the balance used would have been enough to receive the XXXX XXXX XXXX promo. The vacation payment was due on XX/XX/XXXX and because I have not received my card that I was approved for since XX/XX/XXXX, another form of payment was used to fund the vacation. Very dissatisfied with the level of customer service received from the reps and management. XXXX attempts and still no card!
Consumer complaint received 2023-05-31
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. (CA)

I, XXXX XXXX am a victim of identity theft and effected by the XXXX data breach was checking my credit report and noticed unauthorized accounts and inquiries. 

I have enclosed my screenshots of some of the inaccuracies on my credit report and according to the FCRA my credit report must be 100 % accurate. 

In accordance with the fair reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (KY)

I have a mortgage serviced by US Bank. The mortgage servicing includes escrow services. On XXXX I sent the my city tax bill for {$1000.00} which was due on XX/XX/XXXX. On XXXX I mailed them my county tax bill for {$6100.00}, due XX/XX/XXXX. On XX/XX/XXXX I received a delinquency notice from the city that my {$1000.00} bill had not been paid and they were assessing {$100.00} in penalty. I called US Bank that day and was told that they would research my case and give me an answer no later that XX/XX/XXXX. They told me on that phone call that payments had been made on XX/XX/XXXX for {$750.00} and XX/XX/XXXX for {$4200.00}. Both not the amount of my tax bills, likely bills for another property. 

The XX/XX/XXXX date for response has not been met and both bills are unpaid. I have penalties imposed and I worry about where the {$750.00} and the {$4200.00} were applied. I am 62 years of age, a CPA and have never paid a bill late in my life.
Consumer complaint received 2020-11-14
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. (FL)

I sent 3rd set of letters to XXXX, Equifax and XXXX at the end of XXXX. Date should be around XX/XX/XXXX. I havent received a response as yet and by law they should reply in 30-45 days. I need an update on the matters presented. I also sent letters to XXXX XXXX XXXX and XXXX XXXX  to settle payment with my collection at {$100.00}. They should reply in 15 days. Still no reply
Consumer complaint received 2020-11-14
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. (FL)

I sent 3rd set of letters to TransUnion, XXXX  and XXXX  at the end of XXXX. Date should be around XX/XX/XXXX. I havent received a response as yet and by law they should reply in 30-45 days. I need an update on the matters presented. I also sent letters to XXXX XXXX XXXX and XXXX  funding to settle payment with my collection at {$100.00}. They should reply in 15 days. Still no reply
Consumer complaint received 2020-11-14
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CA)

Gyms Closed In XX/XX/2020 and charged me after they closed i could not call gym and told direct express this and filed claim claim number XXXX for credit and I called them and no response when I followed up on claim, was given the run around
Consumer complaint received 2024-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. BANCORP (UT)

Received a call from a Process Server, trying to serve me papers for a law suit being filed against me. 
They referred me to XXXX XXXX XXXX, in which told me that I was being sued by US Bank for a Debt from XXXX, that was filed/ discharged on XXXX Bankruptcy. When trying to inform the agent on the phone, he said it didn't matter, they would see me in court, that I am being sued.