davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-18
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: Experian Information Solutions Inc. (FL)

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (UT)

I have received numerous emails from citi regarding payment on my citi diamond preferred credit card. The frustration becomes unbearable when these jerks at citi not only send email after email " reminding '' me of payment due but continue to send these when the payment for XXXX has not only been made but has been received by them. On Thursday XXXX XX/XX/XXXX, I submitted payment via electronic funds transfer through my XXXX XXXX checking account, ( of which I have the proof of payment in my possession at this time ). A payment of {$110.00} was submitted on XX/XX/XXXX and was received by citi on Friday XX/XX/XXXX, ( incidentally, the previous 4 payments have been made without incident this way ). I accessed my citi account this evening on line, and it shows no record of payment, only a message that my payment is due in 2 days!! The jerks at citi are nothing but thieves and liars, in addition they take pleasure in harrassing me even when I have made not only all past payment but the current payment that's due for XXXX
Consumer complaint received 2022-02-01
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXXXXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX PXXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-02-01
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. (OH)

On XXXX separate occasions I asked Experian, XXXX XXXX, and XXXX to dispute a collection on my credit report as incorrect. I asked for pictures as well as their documentation as I have mine. None of this was provided by the collection agency reporting the debt nor any of the XXXX credit reporting agencies. When I tried to dispute again I was refused. They said the information was correct as reported by the company. When I asked what information was correct each reporting agency was UNABALE to give me that information. When I asked were they able to provide pictures they were NOT. I was able to provide that I paid on time and in full up until XXXX weeks before my lease was up. I did NOT leave any damages NOR any furniture behind. They were UNABLE to provide any pictures proving their claim that I did. They rerented the apartment immediately after I moved out. I had a deposit of {$570.00} That should have covered majority of any moved out expenses. They did not report it to any collection agency for 3 years. So I was under the impression that everything was okay. Now I am finding out I owe {$2800.00}! They say I owe XXXX water bills. That is not possible as it was built into the rent. I Have proof from XXXX XXXX  who does their billing that I OWE NOTHING for water, sewer, trash, nor rent. They also owed us {$100.00} at the time we moved out for a referral bonus. That was never applied to anything. Our lease was up XX/XX/2020. We moved out XX/XX/2020.
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I had a joint checking account with a friend a couple of years ago. It went negative XXXX dollars or so due to the other account holder. We lived at different addresses so I myself never received anything saying my account was overdrawn. I guess they charged it off. In XXXX citizens bank advertised to me a XXXX $ bonus offer for opening accounts. I opened them and in XXXX they took out over XXXX XXXX dollars out of my account. Now on XX/XX/22 they took out XXXX dollars out of my account. They never issued me a single notice. I never knew i had a chargeoff otherwise I wouldve paid it, or disputed it because it was not my purchases that caused the charge off in the first place or at least set up a payment plan so I can feed my family. I have rent insurance and a student loan all due this week. Gas groceries my daughters gymnastics classes. If I had known about this I would gladly set up a payment plan. We are in a pandemic. My wife lost her job. I am feeding my whole family including my parents and they took my paycheck. 

Very decieving tactics- they inticed me with a XXXX $ offer to open accounts. Made me set up direct deposits with my work into their bank. And took all of my money without notice of taking it or without notice that I had a charge off at all. 

They took my cash on the XXXX of the month. My bills are due. My family is hungry. There is an ongoing pandemic. My wife lost her job. Our family is being affected and all citizens cares about is taking my money without notice to pay a debt that belongs to someone else.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

RE : Violation of U.S. Code Law ( TILA 15 U.S. Code 1666 ( b ) - Billing Error ) Upon reviewing my credit report, I noticed multiple billing errors that violate 15 U.S. Code 1666 ( b ) : To Whom It May Concern, ( 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 unless they have adopted reasonable procedures to ensure each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer not later than 21 days before the payment due date.

( 4 ) Failure to Reflect Payment : The creditor failed to properly reflect a payment or a credit issued to me.

( 5 ) Computation Error : There is a computation error or similar accounting error on the creditors statement.

Since the creditor did not notify me 21 days before the payment due date, there should be no late payments on this account. I demand solid proof from the creditors bank account showing that I did not pay and was marked latethis is a billing error. The items below must be updated to " paid as agreed '' on my consumer report : XXXX - XXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX  reported XX/XX/year> 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-03-25
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. (OH)

I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

I have demanded that these agencies remove the accounts from my credit report, as I did not give permission for them to be there. I am a victim of identity theft, and Experian has used and furnished my data illegally.
Consumer complaint received 2022-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

reporting company 's investigation into an existing problem We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my TransUnion credit report recently and found some inaccurate reporting on my credit report. I wrote TransUnion a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Much to my dismay TransUnion wrote me a letter back stating that " we wont process your request ''. ( because they think that I did not write the letter of dispute myself ). I am a trained XXXX with very high education and i am able to write my letters of dispute without need for a third party. TransUnion is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist with account name : XXXX - account number : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I have never been late on this account. please correct inaccuracies in payment history... 

Attached is the letter i wrote to TransUnion and the letter TransUnion wrote back to me refusing to process my dispute. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Consumer complaint received 2022-03-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

To who it may concern, I was in the citizens bank on XX/XX/2022 approx XXXX in XXXX XXXX  by the rotary. I went to make a deposit to my Non Profit account and also to open another business account under the same non profit. 

This was a simple request that ended up being a complete waste of my time and quite frankly I do believe had I been a XXXX XXXX in a suit this would not have happened. I presented my ID which matched the card with my name and the business name. The staff stated they could not open the account without the correct documentation. The original account was already opened. They had everything they needed. 

They went on to say that they needed something with my actual name on it but what was in the documents didnt include my name. The paperwork may not have included my name on it as it only requires the board members not the executive director in non profit public documentation. The man then proceeded to call the original bank in XXXX, XXXX where I opened the account. That still wasnt good enough. 

At that point, highly frustrated, I then provided XXXX letters documenting that I was in fact the executive director of the non profit that had my name on it. He continued to state that he had to call to get verification. At that point he was on hold for over XXXX min. I was in that bank for over an hour. 

I left, extremely frustrated as none of it made any sense. I was trying to open a second bank account for my business. I have banked with Citizens bank for over XXXX  years. I trusted my Non Profit with them. The only thing that I can conclude here is that because I was a person of XXXX, a XXXX and not in XXXX XXXX, there was some assumption that I was not the executive director. I do a lot for the XXXX XXXX community and it is extremely unfortunate that this incident happened. I will not bank with them anymore and will let my other professional colleagues and friends not to either. 

I will be filing a formal complaint with the department of descrimination and many other sources in regards to this incident. 

Sincerely, XXXX XXXX XXXX & XXXX XXXX XXXX  XXXX XXXX XXXX.
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (PA)

American Express has informed us they have had payment problems, including a letter mailed to our home about the problems dated XX/XX/XXXX. ( I will attach this document. ) Despite that, they keep telling us our payment is past due and they are threatening to send us to collections. 
We paid AmEx bill via our XXXX bank on XX/XX/2022. We have proof of this and have shared it with AmEx. We paid more than the full amount due and they claim they can't see the payment even though it is clear on XXXX ' side that the money went to AmEx. 
We have called three times and have gotten no where with the company. We asked to speak with a supervisor the last two times, and the latest time ( tonight at XXXX XXXX XXXX ), they said they were too busy and the supervisor would call us back. 
The last supervisor said we talked to said we could resolve this by wiring even more money to AmEx via our XXXX account ; but we don't want to send anymore money to the black hole that is AmEx 's payment system. 
All the folks we've spoken to there say they can't do anything about this until their system is fixed, and say we " probably '' won't be liable for fees, interested etc. But no one would put this in writing in an email..and if they send us to collections, we will suffer the ramifications of that. 
Corporate America, whether it be greedy credit card companies, airlines, etc., seem emboldened to not care about consumers and enrich their executives. We need the FTC and politicians to step in.
Consumer complaint received 2022-03-02
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: Experian Information Solutions Inc. (FL)

I am filing this complaint to request the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXXXXXX XXXX Balance $ XXXX This is a formal request for an investigation of this account 's comments, account type, and account name. There is a possibility that this information may be inaccurate. This must be removed immediately ; XXXX XXXX Balance $ XXXX I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately ; XXXX  XXXX XXXX Balance $ XXXX You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carter-Young, Inc. (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2022-03-25
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. (SC)

Experian, XXXX XXXX The XXXX XXXX XXXX XXXX {$2500.00} amount has been payed and the account is closed. The account status says open.
Consumer complaint received 2022-07-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (CA)

My husband and I tried to pay a security camera installer with XXXX. I never had any problem before but it didnt go through this time even I put him in my contact beforehand. Its been pending over a month and weve been called Citibank more than 15 times but they say theres nothing they can do or no specific reason. Today finally I got a person in charge with XXXX and she asked me what your case number is. She was saying the compliance team was supposed to email me about it. Nobody emailed or called us to explain whats happening our XXXX payment. Im afraid that our installer might sue us for this.
Consumer complaint received 2022-07-10
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: Experian Information Solutions Inc. (NY)

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; 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. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-18
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX This medical collection is also showing 3 different account numbers on all three bureaus. 
# XXXX # XXXX # XXXX, has violated my rights. 

1

5 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-18
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. (TX)

In accordance with Fair Credit Reporting at XXXX Account XXXX XXXX XXXX loan 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 : States a consumer reporting agency can not furnish an account without my written instructions.