davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NJ)

The first time I received closure letters as to my my personal bank account, business bank account and personal credit cards, was letters from Citibank dated XX/XX/2023. However, after inquiring as to the reason why the accounts were to be closed, I received letters back stating that the accounts were closed in error and the credit cards have been re-activated. Furthermore, my Citibank personal and business bank accounts also remained open ( Please see attached bank error letters dated XX/XX/2023 ). 

Now, I received another sets of account closure letters from Citibank, dated XX/XX/2023. 

Since XXXX of XXXX  to now, nothing has changed neither in the use of my accounts, my personal nor professional life. I have been a loyal Citibank customer for over XXXX XXXX XXXXXXXX XXXX years. My credit score is excellent, there have been no late payments nor did I ever have any other issues with Citibank. I am a practicing attorney in XXXX XXXX, have not been involved in any criminal matters or have any pending criminal cases against me. 

Citibank also for the XXXX time, sent my parents an account closure letter. My parents, XXXX and XXXX XXXX, have been with Citibank for even a longer period of time than me. My father is XXXX  and I believe he is also being targeted by Citibank. 

Because of the above, I believe there are discriminatory banking practices involved and I am demanding an investigation as to Citibank 's discriminatory banking practices as to the reasons of my account closures. I am an XXXX  woman and believe I am a target of Citibank 's dissimilatory banking practices.
Consumer complaint received 2021-02-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

This AM I received a email from experian stating there was a dispute open for XX/XX/XXXX However I never asked XX/XX/XXXX to open a dispute against XX/XX/XXXX. The account that they opened a dispute against is a 100 % accurate account. I called Experian and they stated they claimed I contacted them and reported that account as fraud. Which is a complete un-true statement. I contacted them about a fraudXX/XX/XXXX that they have since rectified. However they only acknowledged one of those request and it took 2 times so I believe the confused the two. I was told that since it was opened under fraud it can not be canceled and I have to wait. So I asked for a manager and was not provided one. Experian need to cancel the dispute as I have active accounts withXX/XX/XXXX and this can interfere with them.
Consumer complaint received 2024-12-10
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Dear CFPB, I am writing to formally submit a complaint regarding violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion. I recently reviewed my credit report and noticed that my positive credit card account with XXXX XXXX has been deleted from my TransUnion credit report. Credit Card accounts stay on your credit report for 7 years. 

After contacting XXXX XXXX customer service, I was informed that they reported to all three credit bureaus XXXX, XXXX, Transunion on XX/XX/year>. However, Transunion has failed to accurately reflect this information on my credit report. Instead they deleted from my credit report.I will be uploading screenshots to demonstrate the discrepancies in the accounts listed, and report this matter to XXXX. 

Furthermore, Transition has violated 15 U.S.C. 1681 ( a ), which pertains to the accuracy and fairness of reporting. I did not provide TransUnion with oral or written consent to pull my credit report, and this action has adversely affected my credit history by shortening it. 

I kindly request that the CFPB intervene and compel XXXX to restore my XXXX XXXX account to my credit report. Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2023-05-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (PA)

Hello, I have a cash app account where I receive my XXXX  check. I make purchases from this account quite often. Cash app is telling me that there were three transactions from XXXX in the month of XX/XX/XXXX, where the funds were not deducted from my account. So on XX/XX/XXXX when I received my next check they took a bunch of my money and left me with {$3.00} with no warning that this happened. Until after I inquired where my money went. I asked to sent my statement, which they did. But the statement they send was so confusing. Authorizations, declines, captures that its almost impossible to track my transactions. Ive been going back and forth with them for almost three weeks. Then yesterday XX/XX/XXXX a friend sent {$50.00} to my account, and they took that as well saying there was another transaction. I was able to find the transaction they were talking about but according to my statement it was already paid. And they wont give my money back or listen to what I have to say. I asked to speak with a manager but they will only converse through email. And wont listen to my complaints, and their responses dont even make sense. And the more I look at my statements I am finding more and more charges that have been taken out twice. But they wont even hear it out. They always have an excuse or a reason on why I am wrong. But Im not Im looking right at it. According to XXXX there are multiple people with the same issues and cash app isnt returning anyones money. Im not sure what to do next. Im low income and that is a lot of money to me. I have attached a pic of the last amount they took from me, that according to my activity tab on cash app it was completed. So why are they taking the money again.
Consumer complaint received 2022-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources (NC)

FIRSTPOINT COLLECTION RESOURCES , INC . 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX CO XXXX XXXX To : The Office of Registered Agent for FIRSTPOINT COLLECTION RESOURCES , INC . 

From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party XXXX Collector XXXX XXXX passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of XXXX XXXX XXXX, Title XXXX XXXX XXXX, Regulations Z, Regulations M and ALL applicable XXXX Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 

By : XXXX XXXX
Consumer complaint received 2021-02-02
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: CAPITAL ONE FINANCIAL CORPORATION (RI)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-09-26
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. (FL)

On XX/XX/2022 I 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. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those 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 de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LTD Financial Services, L.P. (CT)

LTD Financial is now stating I owe XXXX XXXX {$870.00}. This debt was paid through another collection agency in 2021 and the check cleared through my bank. I do not owe this money.
Consumer complaint received 2022-09-26
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)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Receivables Management Partners, LLC (MI)

XXXX XXXX  tasted RMP services in XXXX of XXXX XXXX XXXX paid off my full a out I owed them, there were XXXX things equaling around {$600.00}. During the XXXX versatile I specifically asked the woman when and if it would be deleted from my credit report and she stated it would be within XXXX weeks. Upon going to get a house loan they were still on there ( a year later ), I called RMP services and they stated there was no documentation of her saying that so they won't remove it. I disputed them on my credit report and one was taken off but not the other. I was advised by my credit repair guy to contact you guys since she had specifically stated they would be removed and now they are refusing to do it.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (CA)

I paid the balance in full and the company is reporting it late and over the credit limit and yet the account is CLOSED. This is a violation of my rights to privacy and fair reporting of correct information. My limit is XXXX and I paid that amount and yet the reporting reflects 1, late and 2 over the limit
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX of XXXX I called the creditor to defer my payments on the account due to COVID and the negative impact it had on my income. I was advised that this would NOT negatively impact my credit and was given a 60 day deferred payment. I called again on XX/XX/XXXX and was told that {$530.00} would be due on XX/XX/XXXX ( the agent I to spoke was XXXX ). I again asked for the reassurance that my account was at no risk for being in default or that it would be negatively reported to any of the credit bureaus. I was assured that due to COVID and entering into the deferment that it would not. 

I called again in XXXX for another 60 day deferment, at which point I also made a {$760.00} payment and was told there was then {$0.00} due. The agent told me my next payment would be due in XXXX. 

I received a call on XXXX from the creditor saying my last payment of {$760.00} did not go through and that I was 41 days past due!! I paid what I could totaling {$530.00} to bring the account current. The remaining amount of {$240.00} was scheduled on XX/XX/XXXX, with the next due date XX/XX/XXXX. 

I then found out my account was closed XX/XX/XXXX ( at which point I also made a payment of {$1500.00} on XX/XX/XXXX ) and was reported for 30 day lates on XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX!!!! I was SHOCKED to see this after what was communicated to me and given the circumstances during COVID. 

The result of this has greatly reduced my credit score and has put a hinderance on me and my family purchasing our new home. I feel I was poorly communicated to and was very misled on the outcome of my deferment after being VERY well assured that this would not impact my credit.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Hello collection # XXXX was removed XXXX and XXXX, but wasn't removed from Transunion, I already sent identity theft report to you all, stating this isn't mine and also investigation results shows different balance one shows {$6900.00} and one says {$7100.00} ( see attached ). I also was denied an auto loan because of this I need this collection removed from my consumer report immediately thank you.
Consumer complaint received 2021-02-02
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. (NJ)

I reviewed my credit report and noticed a few unauthorized inquiries Federal  Student  Loans are from the same company but each Bureau is reporting and showing something different percentage of money and late payment dates are all in accurate!
Consumer complaint received 2021-03-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Time Investment Corporation (NC)

Time Finance Service charged off the credit account on XX/XX/XXXX with the Charge off amount being {$840.00}. They have been increasing the balance of the account after it was charged off. Every month there is a charge of {$6.00}. The credit bureau reported on XX/XX/XXXX that the account balance was {$1200.00}. On XX/XX/XXXX, the account balance went up to {$1200.00}. An increase of {$6.00}. I understand that the account can be updated month to month but the balance isn't supposed to keep increasing after its charged off. I called the company on XX/XX/XXXX and asked them for a 1099 that shows the month to month balance of the account and they said " We don't pay you ''. I tried to get a copy of it, but they don't know what a 1099 is so it couldn't be provided. But I did provide attachments from the credit bureau showing these changes.
Consumer complaint received 2022-09-12
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. (WA)

Transunion XXXX XXXX still in violations seeking damages as Im entitled by law due to theirs negligence. Information is in correct I have recordings from conversations childs support is not a loan the federal courts ruled this I sent them a statement as well as police report they have not blocked information I asked I asked for validation full account documentation records who they spoke to day time rep name and id who they got information from I only go by one name they wont remove other names as in a recording I have they said removed they since my complaint have not complied with all laws and request and keep damaging my credit they are being negligent to the law and request I have made and mailed letters upload documents sent the ftc reports and police reports but yet they are not worried about fixing there wrongs I have found over 80 violations on my credit report I have been denied even wrongly charged high interest rates because of the negligence and concern to fix this I have done everything required now they dont wan na comply I will be seeking damages and making sure the law is up held if I go into a store to steal I go to jail or break the law I dont get a chanche to correct this I can see if there where only a few people affected by this but its millions and its time the law hold them accountable as Im not above the law neither are they but get many opportunities to fix laws they break and still not comply I seek damages under 15 usc 16810 civil liability for negligent non compliance section a,1. Any actual damages sustained by the consumer as a result of the failure of. B. Attorney fees if we have to settle this in court. As the law states 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, imprisoned for not more than two years, or both I have held my end of my part up everything they asked I have a XXXX this getting me denied when Im applying in good faith especially when Im prequalified. Then other creditors advertise action notice show different score then they show I dont have any more energy I spent two months doing my part and they are not complying with law
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : DEPTEDXXXX XXXX XX/XX/2015 {$0.00}, XXXX XXXX XXXX XX/XX/2015 {$0.00}.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MI)

I am a senior citizen and just refinanced my home and used the equity to pay off debt. The escrow company issued a check to me so I could mail my payment of {$2100.00} to XXXX XXXX XXXX ( Comenity Capital Bank ), which pays my account in full. After a week, my payment did not show up on my account. I called them, they said they didn't get it. I waited another week and sent them a message and a copy of the check I sent them. They sent me a letter saying they would investigate the dispute. 

I called the escrow company a couple of days later and they said the check was cashed on XX/XX/XXXX. I sent another message to the credit card company and attached a copy of the canceled check to prove it was cashed. I did not receive a response. 

I called them today and waited almost 40 minutes to get a customer service representative on the phone. Although she was polite and professional, she said it had to go through a dispute process! XXXX

I asked to speak to a supervisor and waited another 22 minutes for him to get on the phone. He was very rude and mocking and said it had to go through a dispute process and would probably take up to 90 days. 

I am totally being jerked around. I have given them proof that the check was cashed. 

Please advise. Thank you.
Consumer complaint received 2022-02-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (AZ)

The amount that was originally owed is growing interest. It is growing interest continuously making it impossible for me to ever be able to realistically pay the account off. I have attempted to resolve this matter with the debt collector it is my understanding that once placed for charge off the interest is to cease that has not been my experience with IQ International.
Consumer complaint received 2022-10-08
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. (OH)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

AXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 XXXXXXXX XXXXXXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A : states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bonneville Billing and Collections (ID)

In XX/XX/XXXX a debt was brought on against from Bonneville collections for about {$600.00} and is now {$910.00}. They have repeatedly harassed me with fake court documents and the most recent on XX/XX/XXXX a former supervisor of mine was served with papers by a sheriff from an attorney representing Bonneville collections to garnish my wages after 5 years since they served me with fake papers which the XXXX XXXX XXXX confirmed were indeed fake. It is my understanding that before such legal actions to garnish my wages can occur that I must be served with certified court documents first. This debt is ridiculous in the first place and should be removed as it stems from dental visit in which I was left with a fractured XXXX in my mouth XXXX not a common XXXX fragment ) and was lied to about it and the dentist chose to try and cover it up by prescribing me almost XXXX pills for the pain.