davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
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. (LA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

I had a mortgage with XXXX XXXX XXXX I was transferred to XXXX. I recently sold my home. I am currently in the underwriting process for another home. I can not continue forward due to XXXX reporting my account and account inaccurately. XXXX has reported my account paid in full with no delinquencies. While in the underwriting process XXXX has stated I was delinquent when I was not. I have bank statements showing my mortgage coming out every month on top of correct reporting on my credit report. My family and I is about to be homeless and need help. PLEASE
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

i've been trying to access my consumer report, credit score and apply a credit freeze to my Transunion and XXXX reports for the last XXXX months and all i keep getting is that my info is either unavailable or unknown i cant access none of my info it states that its not available for me to do anything the fact that i cant even place a freeze on my account puts me at risk for identity theft this is a violation of my rights as a consumer the FCRA STATES THAT : I HAVE THE RIGHT TO ACCESS MY CREDIT FILE I HAVE THE RIGHT TO CORRECT ANY INACCURACIES ON MY CREDIT REPORT AND I ALSO HAVE THE RIGHT TO SEEK DAMAGES AGAINST THOSE WHO VIOLATE THE LAW and more and I am in the process of taking legal action against this reporting agencies I've been denied auto loans, mortgages and credit cards do to this issue it is currently interfering with my livelihood and means to support my family
Consumer complaint received 2024-10-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hello, I sent a wire transfer from my XXXX XXXX XXXX account to a Bank of America account. XXXX did not charge a fee for the wire transfer as I am a sapphire member. However, BoA rejected the wire because of " Missing Information ''. Furthermore, they did not disclose what the missing information was. When I called BoA they confirmed that the information was correct and were unable to tell me why it was rejected. They then refunded the money to my XXXX account but charge me a {$45.00} fee which was not disclosed and I did not agree to paying this fee. To make matters worse, XXXX XXXX XXXX hurricane Helene & Milton XXXX  We are trying to get our lives back together and although to some {$45.00} is nothing, to my family it is A LOT. Please make this right and help us get the {$45.00} refund from BoA. 

Thank you!
Consumer complaint received 2022-05-20
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. (VA)

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 3 Bureaus was XX/XX/2022, 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 accounts listed below are still reporting on my Credit Reports and need to remove immediately : XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$160.00} XXXX  XXXX Balance : {$32.00}
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). A ccording to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any cons
umer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2022-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (IN)

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. To Equifax Recently i did an inves
tigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX Account Number : XXXX Please remove it from my credit report 2. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-06-02
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: GOLDMAN SACHS BANK USA (NJ)

I have major issues with Apple Card Goldman Sachs stemming back to last year in XXXX when I ordered a office chair that was never received. I have called in multiple times explaining id like to dispute the charge because the Vendor for the chair told me to dispute it with my bank. I went into detail on exactly what happened, providing evidence and the correspondence with the Vendor. Goldman Sachs disregarded everything I provided and opened a " Fraud '' dispute which wasn't the case and ultimately siding with the Vendor stating they proved I made the purchase, which could of been avoided if their incompetent reps would of listened and actually opened the proper case. Since then I have called back/Chatted in and reopened the dispute trying to explain what had happened and every single time i am rushed off the phone/chat with the rep telling me " do not worry, it is filed under a did not receive claim '' and every single time im let down because they keep opening a " fraud '' charge. Its crazy as i STILL AM trying to dispute this and no resolve. 

Fast forward to the beginning of this year with XXXX. I had made a purchase and returned the merchandise with a prepaid label provided by XXXX. The package was delievered to their warehouse but XXXX  Customer service states they never got it. I have the tracking number SHOWING it was delievered and signed for at their warehouse, provided all of this evidence to Goldman Sachs and again they opened the WRONG dispute. The dispute they opened was a " fraud, Unknown purchase '' and again sided with the Vendor. I can not believe a huge bank such as Goldman could have such horrible and incompetent employees. Now I am stuck holding the bag so to say and have to pay for TWO charges that I shouldnt.
Consumer complaint received 2021-08-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (NY)

I Had a gym membership with XXXX XXXX located in XXXX, NY I had called XXXX XXXX in or around XX/XX/2020 and explained that I needed to cancel my gym membership, since the lockdown from the pandemic is going to last. They told me I had to send a certified letter and I explained we are under a lockdown and I can not go to the post office. XXXX  explained someone would call me. I never heard from them and then a year and a half later a gentlemen from Aldous & Associates located in Utah calls me and says I owe {$140.00} to XXXX and he is a debt collector. I explained I had called XXXX and cancelled and they said I would have had to send a certified letter. I explained NY was locked down and I could not send a certified letter. I went on further and asked when was this debt from and they said they didn't know. I said I need a copy of the debt instrument and they said send a request to their PO Box and I had explained I wanted an address so I can send a certified letter signature required they said no. I also explained my gym membership was up prior to NY allowing people to go back to the gym and they said I was on auto renew. I went on further and explained NY has a law requiring gym 's to allow people to call to cancel their membership and NY does not allow for auto renew unless it was explained to the consumer and nothing was ever explained to me. The rep from Aldous & Assoc. said they do not follow NY law and they follow federal law. I then asked what federal law did I break? They would not answer that. After that phone call my credit monitoring company reached out to me and stated that Aldous & Associates put a negative mark on my XXXX  credit report stating I was in collections. Right on Aldous & Associates website they state they report to credit agency 's then the consumer usually settles the debt quickly. Please note I never received a letter or any written communication as to who these people are and what and when this debt is for. These days this sounded like a scam and not a legitimate business. I asked for a copy and validation of the debt and then they negatively impact my credit? This must be illegal behavior.
Consumer complaint received 2024-09-13
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. (PA)

Violation of the PRIVACY ACT OF 1974 Violation of I.R.S PUBLICATION 4681 under canceled debt, charge off account is considered a certificate of indebtedness and it is considered as income and income should not be showing on my consumer report. Violation of 15 USC 1666b, showing late payments is illegal
Consumer complaint received 2022-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (IN)

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

To Experian Recently i did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (CA)

I have had an account for a few years, recently ( XX/XX/2023 ) I choose to us the card. After not receiving a PAPER bill I contacted the bank in an effort to ensure the billing address and contact information was correct/current. to my surprise I was told I was enrolled in a an email/automated which i never requested for. I have always paid my bills with paper checks. this was a mistake the bank made, my fear is now my credit rating will be negativity with late fees, past due, and increased rates/fees. As of Monday, XX/XX/2023 I am still trying to get this resolved and I have not received the requested PAPER bill. 

Citi Bank is being deceptive and dishonest!
Consumer complaint received 2020-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ProCollect, Inc. (TX)

ProCollect Inc put a balance of {$2400.00} owed to an apartment back on my credit after they put the account as discharged included in bankruptcy back in 2019. I contacted procollect and the rep said it was not included in bankruptcy when in fact it was. I verified this through my final petition and discharge paperwork. They have refused to remove this debt and now I have to take other actions to get it removed
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/21 I received a letter from Synchrony Bank stating my account was closed. My account XXXX XXXXSynchrony XXXX  ending in XXXX was in good standing. My account was never late, I always paid over the minimum, and the card had a XXXX balance at the time of closing. The reasons stated for closing my account are incorrect and/or do not apply to me. These reasons also infringe on my right to control my own finances. Here are the reasons : 1. Not Enough Balance Paid down over time on Student loans. 
My student loan is " paid as agreed '', is not over the 30 year allowed term, and currently not in repayment due to a government shutdown of payments. This is not a valid reason. 

2. Delinquent or Derogatory Status on Accounts is too Recent.

I have NO delinquent or derogatory accounts on any of my 3 credit reports. I have a total of 74 accounts NONE are delinquent of have been in the last 7 years. I also have XXXX dollars in usable credit and only 18 % utilization. This is not a valid reason 3. Not Enough Balance paid down over time on retail accounts. 
I have 39 cards and mostly only use 6 personally and 2 for business. Synchrony Bank has a right to protect their interest, but not the right to dictate how I use my other finances. My report does not reflect that I have NOT paid, or missed a payment on any of my Retail accounts. This is not a valid reason. 

4. Too Many Inquires. 
The amount of inquires on my report are less than the amount that was there when they originally approved my account. This is not a valid reason. 

Synchrony actions has affected my over all debt to income, and my lower my credit limit. This have affected my overall financial rating with future lenders, and my standing in the business world. Synchrony violated my rights as a citizen who has control over his finances, as well as their user agreement. I believe I was targeted because I'm a minority and Synchrony felt I would not fight back. I spoke with the Supervisor ( XXXX employee # XXXX ) who lied and stated I needed to dispute this with XXXX. The reasons 1-3 above do not appear on my report, there is no way to dispute what is not true. The Supervisor deliberately lied in order to not address my complaint, as well as showed a great disregard to my complaint and injury. I want my account restored to it previous status before it was closed.
Consumer complaint received 2022-05-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: Bread Financial Holdings, Inc. (MA)

I recently closed a CD prior to maturity. On XX/XX/2022, the net amount of {$25000.00} was transferred to my savings account. I've asked for a reconciliation of the amount transferred and my request ( via both phone and message ) has thus far been ignored. More specifically, I've asked the following : Can I get a reconciliation of how this CD closure net amount was computed? 

Beginning Balance + Accrued Interest - Penalty Interest = Ending Balance {$25000.00} + Accrued Interest - Penalty Interest = {$25000.00} Accrued Interest =??? 
Penalty Interest =??? 

Is anyone there???
Consumer complaint received 2022-04-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

On XX/XX/2022 Citibank blocked my account when I contacted Citibank the bank, I was told that my account is being referred for closure at that time I asked why this is happening the bank told me I will receive a letter in the mail on why, and that the account will be closed in 30-60 days and a check will be mailed out with my balance that was in the account ( XXXX ). as of now XX/XX/2022 I still have not received a notice so I dont know why the account was blocked or referred for closure each time I call I am being told that this is confidential and the account will be closed in 30-60 days and a notice will be sent and this time citibank has failed to send a notice. I am behind in bills and will like answers to why this is happening i have no letters to upload because citibank has not sent me anything