davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OH)

Dear CFPB, I am writing to file a complaint about Citi after an error resulted in a duplicate charge on my credit card and zero payment to the vendor. 

On XX/XX/2022, I processed one charge on my Citi credit card in the amount of {$92.00} to a vendor for services rendered. In return, I received one receipt from the vendor via XXXX for this same amount. 

However, on my monthly credit card statement from Citi, I noticed a duplicate charge to that vendor on XX/XX/XXXX, resulting in total payment to Citi of {$180.00}. On the vendor 's side, they did not see a duplicate charge -- they only received one payment of {$92.00}. 

I filed a dispute with Citi for the duplicate charge. As a result of the dispute, Citi issued a credit of {$92.00} to my account. At the same time, though, Citi notified the vendor that the vendor had lost the dispute and reversed payment to the vendor. As a result, the vendor was paid {$0.00}, and I paid {$92.00} to Citi. 

The vendor has been unable to dispute the problem on her end, because XXXX did not have record of a duplicate payment. The duplicate payment is only visible on my Citi credit card statement. 

I am filing a complaint because Citi seems to have pocketed the {$92.00} charge that I paid.
Consumer complaint received 2022-09-21
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. (AZ)

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

On XX/XX/2022, I sent XXXX a letter asking them to provide me with legal documents to validate this alleged debt that they are reporting on my reports. I never received a dunning letter from them, and they completely ignored my letter. I am not responsible for this alleged debt, I never did any business with XXXX ( XXXX XXXX ). 

I need them to close this account in their office and delete them in my reports.
Consumer complaint received 2022-01-25
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. (AZ)

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

15USC 1681 ( a ) ( 4 ) rights to privacy and 15 USC 1681 ( a ) ( e ) shall not include factual info.
Consumer complaint received 2022-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (FL)

I, XXXX XXXX, have received 3 notices from Eastern Account System of Connecticut , Inc . They are saying that I owe {$310.00} or if equipment returned, debt would be {$210.00}. A person at Eastern said person who incurred this debt used my name, date of birth and address. My date of birth is XX/XX/XXXX. My address is XXXXXXXX XXXX XXXX XXXX Fl XXXX. My SSN is XXXX. I have learned that the address of this person is XXXX XXXX XXXX XXXX, XXXX Il XXXX. The period charged is from XXXX XX/XX/XXXX. XXXX 's phone number is XXXX -- XXXX or Account number is XXXX. This amount is shown on my credit report. I want it removed please. I did contact the XXXX Sheriff 's office at XXXX. I was transferred to a nice deputy for the area. He said it is an apartment complex that is now vacant. It was purchased by XXXX XXXX, in XXXX XXXX, Mo. I tried calling them and left a message. Call not returned. Their phone number is XXXX. XXXX Credit Bureau has Eastern Account system down twice. One is for {$210.00}, and the other is for {$100.00}. My local sheriff 's dept says it is out of their jurisdiction so wouldn't take an ID Theft report/fraud. I was given a phone number by XXXX for this person as XXXX they haven't tried to call the number. I don't know if Eastern has tried or not.
Consumer complaint received 2022-09-21
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: Mortgage Research Center, LLC (NE)

I saw two inquiries on my credit report I dont recognize. One on XXXX XXXX XXXX  from a place called XXXX XXXX  and one on XXXX XXXX XXXX from a place called XXXX XXXX XXXX
Consumer complaint received 2022-03-10
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. (NY)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-09-21
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. (TN)

In accordance with the guidelines law of the FCRA. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C. 1681 XXXXXXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have Violated my rights 15 U.S.C. 1681 602 ( a ) 4There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S.C.1681 604 A section 2 ) In accordance with the written instructions of the consumer to whom it relates. 
without my written instruction 15 U.S.C.1681c a 5 section state no consumer reporting agency may make any consumer reporting containing any of the following items of information as my other adverse items of information other the record of conviction of crime which antedates the report by more then seven years 15U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-03-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SIMMONS FIRST NATIONAL CORPORATION (AR)

I opened a bank account at Simmons Bank I had funds in the account, after a few weeks I swiped my card at a gas station and a few days later I saw charges that were not from me. I reported it both to the gas station along with Simmons Bank, I was given a new card and went on, I then learned that my account was hacked by someone inside my house, after learning this I reported it to Simmons Bank and was told that I would need to come to a bank center to report this, after doing that I then which noticed that I was getting charged overdraft fees along with NSF fees. I was told that I wouldn't be charged and my account information would be removed along with getting a new account.
Consumer complaint received 2022-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANKMOBILE TECHNOLOGIES, INC (WA)

Firstly, this outfit never has funds available for purchase ON TIME for classes. I wont use their card because they fleece students with surcharges and such. Some professors are not malleable. This outfit preys on students. They make enough money elsewhere.
Consumer complaint received 2022-09-21
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. (FL)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-01-25
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: Lewis & Clark Capital LLC (AZ)

I reviewed a copy of my credit report and FTL FINANCE AKA FTL Capital Partners , LLC ran an unauthorized credit inquiry on me on XXXX, 2020. I contacted the company telling them I did not authorize the inquiry. I am a victim identity theft fraud ; I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please deleted these unauthorized credit inquiries.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The account listed has fraud on the contract, full disclosure was not made to me, the consumer. Proof of claim affidavit was mailed via register mail XXXX but no reply. 
XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-10
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (FL)

In XX/XX/2021 I walked into XXXX dealership in XXXX Fl. I was informed that my lease was being held up due to the previous loan company not giving them a payoff figure. This loan was held up due to the dealership delaying this process. The general manger was very unprofessional with my contract. this company withheld this account from processing without my knowledge this was the hardship from the dealership to their finance company. 
XXXX XXXX and XXXX XXXX have reported this account as delinquent with additional late fees and insufficient fees and posting my payments later than. 

I have been back and forth with them and they took ownership of the first payment of and corrected only the first payment. This account shows up delinquent on my report monthly I have been hung up on from the finance company and they original manager Who stated they were in the wrong and they will fix it has been transferred to another dealership in Alabama. The General manager has just been rude and unprofessional sending tow truck company 's to sit out side of my home to intimidate and him calling from a company cell phone. 

My bill has been paid every month their is no grace period on the account I have exhausted all areas of communicating this continuous problem. its abusive due to their error the account is posted every month delinquent the additional fee 's are being intentionally posted to issue me as a bad payer. 
Please assist me.
Consumer complaint received 2022-08-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

There was an unrecognized hard inquiry put under my name on XX/XX/XXXX by Bank of America. I called Bank of America on XX/XX/XXXX and they committed to perform a credit scanning which will take 90 days. This is already a violation according to the Fair Credit Reporting Act - " the bureau ( s ) have 30 days to respond to your dispute and remedy the mistake if they verify that an unauthorized inquiry is, in fact, a mistake ''. And on XXXX when I called the fraud department number that they left to me ( XXXX ), the agent said there was never such scanning requested. I spent almost two hours with customer service and was transferred back & forth for a few times until I got someone answered the phone from fraud protection department. They admitted it was their fault and said they would contact XXXX to remove the hard inquiry from my credit report, which would take another 90 days. This bank has already lost my trust and 90 days for a non-trackable process is not tolerable, I am requesting them to expedite the process and give me reference id to track the progress, it definitely requires more transparency and needs a guarantee of correction of their fault.
Consumer complaint received 2022-03-10
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. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. ()

XXXX XXXX transferred my account to citizen bank. My husbands pension got transferred into Citizen bank. Citizen bank now say I can not transfer or use payment systems unless I have a US address. 
I do not have a US address and both XXXX and Citizen are aware of this. 
The only way we can access funds is via ATM which as Im in the XXXX there is a large fee. Its cost around {$50.00} dollars in fees so far. As Im withdrawing from ATMs there is a maximum dispense of around {$500.00} so it takes several visits which is also very inconvenient. 

Citizen had originally told me I could use online banking with a XXXX phone number, this was untrue so I set up a US number too. 
Once I had validated my account they told me they could only transfer to US accounts so I set up a Wise account. 
Then they said ok you cant transfer without a US address and there I drew the line.
Consumer complaint received 2022-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2022-03-10
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)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-03-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC (MN)

I applied for a loan through Personify with the interest rate of 8.9 % after receiving the email it was actually a interest rate of 89 %. I have made 3 payments of {$600.00} totaling {$1800.00} which only {$9.00} have been paid off the principle of the loan. I called the company to see about getting a lower interest rate and how I can get more applied to the principle, they told me after every 6 payments made on time I would get a 2 % decrees. I am a XXXX veteran who needed a small loan to get caught up on some bills. I am asking to see if a company can truly charge such a high interest rate. or what I can do about this.
Consumer complaint received 2022-09-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Section 1 : Accordance with the Fair Credit Reporting act account name portfolio Recovery ( XXXX XXXX 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.