davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-20
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)

In accordance with the Fair Credit Reporting Act the following companies have violated my rights as a consumer. The Credit Reporting agencies stated the following were properly investigated but there was not a proper investigation done. That is ground for removal. 

Accounts XXXX XXXX XXXX XX/XX/XXXX {$30000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX {$85000.00} 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1681 SECTION 611 ( 2 ) ( a ) STATES IF THE ITEMS ARE FOUND INACCURATE OR CAN NOT BE VERIFIED THE CONSUMER REPORTING SHALL PROMPTLY DELETE THE INFORMATION FROM THE FILE OF A CONSUMER.
Consumer complaint received 2021-02-12
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: EQUIFAX, INC. (OR)

To whom it may concern, Under 15 U.S 1681b- Permissible purposes of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached with this dispute letter.
Consumer complaint received 2023-03-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D&A Services, LLC (KS)

Thank you for your recent contact dated : XX/XX/XXXX. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I just applied to XXXX  or XXXX store for a credit card they told me they let me know by a mail letter, but latter I got another letter from XXXX XXXX  saying that I requested a XXXX XXXX  card issued by this bank, anda that they didnt approved, was : credit bureau XXXX XXXX XXXX is deceased They said also this decision was obtained from the consumer reporting agency listed below : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX T.U. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX I call the social security administration and told me everything was ok with mi social And to call to XXXX Because it was probably an thief I dont understand what coul happen since I got my license and everything was ok with my info
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I am is a victim of fraud by the bank. and service provider.start with my problem 1. The bank issued me tw different atm card account with same one password to use for both account. Second, the phone service provider gain an access to my checking account and get his payment, without my knowledge and authority the payment
Consumer complaint received 2022-09-09
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: EQUIFAX, INC. (CA)

Please be advised this is my XXXX  WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX, XXXX. XXXX DAE OPENED XX/XX/XXXX BALANCE : {$350.00}, XXXX XXXX XXXX  XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX XXXX DATE OPENED XXXX : {$0.00}, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$0.00}, and XXXX - XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}.
Consumer complaint received 2022-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX Citibank, XXXX, XXXX South Corporate Place, XXXX XXXX XXXX SD XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALISXXXX RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by Citibank On XXXX applied for a credit card as you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Citibank has violated my federally protected consumer rights : XXXX. 15 U.S Code 1642 2. 15 U.S Code 1681M XXXX. 12 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. Citibank should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 


BEST, XXXX, XXXX L Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (CA)

I applied for, and was approved for, the Barclays XXXX XXXX business card on XX/XX/22. The promotional offer for the card was advertised as : spend {$2000.00} in purchases in the first 90 days after approval, and then receive XXXX XXXX XXXX miles and a {$99.00} statement credit. The card has a {$99.00} annual fee, which is not waived, but it is effectively cancelled out by the statement credit ( assuming that it posts correctly ). 

I met the minimum spend requirement with a single transaction on XX/XX/22, and was given the XXXX XXXX XXXX miles, as shown on my XX/XX/22 statement from Barclays. That statement did not include the {$99.00} statement credit. 

On XX/XX/22, I initiated secure message correspondence to ask about when I would receive the promised {$99.00} statement credit. After some back-and-forth, I was told " [ o ] nce qualified, bonus offers will typically take 4-6 weeks for completion. '' On XX/XX/22, I decided to try my luck again and send another secure message asking about the {$99.00} statement credit. I was told " Upon reviewing your account the {$99.00} statement credit should be deposited into your account [ in ] 1-2 weeks. '' On XX/XX/22, with no statement credit in sight, I started another round of secure message correspondence. I was told " Upon review of your account, we show that you have met the requirements to earn the {$99.00} statement credit. Regrettably, we have identified an issue that prevented the statement credit from posting to your XXXX XXXX XXXX XXXX XXXX XXXX and are correct [ ing ] it as quickly as possible. We apologize for any convenience this may cause. '' I inquired about a specific timeline for resolution but was not given a clear answer.
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (NJ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (UT)

I have a Cash App account and opened a family account for my minor child. For some reason my childs account was deactivated and they were not able to access their {$85.00}. When contacting support they were told that I ( the account holder ) needed to contact them. I contacted them on XXXX and was told that I had to send in proof of residency. I uploaded that information on XXXX  and then I was told that my case was escalated to the appropriate team. They said that I would be emailed with an update. Since then I have contacted them numerous times ( XXXX XXXX XXXX XXXX XXXX XXXX and just get told the same thing, that I need to be patient and that my case has been escalated to the appropriate team. That I would be contacted in 10 days but as you can see it has been well over the 10 days and is fast approaching 30 days with no contact or update.
Consumer complaint received 2022-04-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Very unpleasant experience yesterday ( XX/XX/2022 ) closing out a few of our Citizens Bank accounts at the XXXX XXXX XXXX location ( branch XXXX ). What would typically take 5-10 minutes to complete this transaction took in excess of an hour ( probably even longer! ). Exacerbating matters was the fact XXXX, the Citizens teller was completely unprepared to transact this closure of our accounts hence we decided to forgo our other Citizens pending transactions and instead schedule a visit to an alternative Citizens bricks and mortar location just so long as we didnt have to deal with either XXXX and especially XXXX XXXX XXXX the branch manager. I am pretty much laid back but when I voice concern how long this transaction was taking, XXXX XXXX rudely and condesceningly suggested I take our business anywhere other than at his branch. Normally, the customer should always be right and when they simply voice displeasure to how long it takes to transact business it should never be taken personally. XXXX XXXX, the branch manager stated we should take " all '' our business to any competing bank just so long as it wouldnt be with Citizens. I am still livid and upset the way Citizens Bank treated my spouse as I was patiently waiting over a hour while this banking task dragged on and on infinitum. This was the very first time weve used Citizens at XXXX XXXX XXXX ( branch XXXX ) and rest assured I will personally never ever use XXXX XXXX XXXX or branch XXXX in the foreseeable future. I wish I had personally recorded the way my wife and I were treated as it would clearly document why this branch manager should undergo, at minimum, remedial training or even possibly replaced or terminated. I've served during war in the early 70 's, been cut open 4 times during my lifetime, and no one especially senior citizens should ever been treated in such a fashion. The last thing I need is for a ignorant rude branch manager giving me the " bum 's rush out the door '' for whatever reason.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2022-08-15
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: FIRST NATIONAL BANK OF OMAHA (TX)

I sent a complaint to FNB OMAHA on XX/XX/XXXX and they have not responded back within 30 days. They are reporting false information about a debt in which I was a victim of identity theft. Account opened on XX/XX/XXXX and the remaining balance is {$13000.00}. My Id and social was stolen from me during a theft and since then multiple fraudulent accounts were opened including said credit card ( FNB Omaha ). Please investigate and have them remove the fraudulent information.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

on. for 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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX Account XXXX XXXX XXXX XX/XX/XXXX late payment was reported XXXXXXXX Account # : XXXX XXXX XXXX late payment was reported XXXX XXXX  Account # : XXXX XX/XX/XXXX late payment was reported XXXXXXXX XXXX Account # XXXX XXXX Date Opened : XX/XX/XXXX 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-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. 

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 any reasons.
Consumer complaint received 2018-10-27
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Protas, Spivok & Collins. LLC (MD)

Hello, There were two cases against me and I was not served properly. I was not even served at all. XXXX and XXXX are the cases. They were given default judgements against me. I didn't know about this until XX/XX/2018 when they attempted wage garnishment. I went to court for that and it was dismissed. According to a case against the owners of the trust suing me, they are not allowed for further action even though there were judgements. It is XXXX XXXX XXXX XXXX and XXXX. There was a class action lawsuit against them and they have to comply with the consent order. 

Case reference : XXXX XXXX   XXXX I was told to contact the cfpb and start the process of getting these judgements looked at.
Consumer complaint received 2020-08-13
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Recovery Solutions Group, LLC (FL)

This company is sharing information as a collection tactic with family and friends, my biggest worry is how they have obtained the private cell phone number of my family and friends.They are sending tex messages. WE have reffered them to our company attorney and they continue sending text messages to my family and friends along with multiple threatning calls a day. I am XXXX years old and this harrasment and defamation is hurting my health. We have already provided our attorneys information yet they persist with this harrasment on a daily basis.
Consumer complaint received 2022-10-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (AZ)

Company : Hyundai finance XXXX XXXX XXXX : XXXX XXXX XXXX I leased the car from them in XX/XX/XXXX and purchased it from them in XX/XX/XXXX Date purchased : XXXX XXXX Amount I paid to Hyundai finance XXXX : {$12000.00} Paid from my checking account at XXXX XXXXXXXX XXXX 1. Company claims they mailed title on XX/XX/XXXX. I did not receive it. Company has my correct address on its files, but they say they wrote an incomplete address when they mailed it. 

2. I have made at least 6 follow up calls with them beginning XX/XX/XXXX and ending XX/XX/XXXX Their representatives have promised to send me both a notarized lien release letter and a certificate of no interest. No one there seems to know which of the two documents I need to transfer title to my name. After each call they promised I would get the proper papers in 3 to 5 business days. So far I have not received anything from them. They have missed several deadlines 3. There is no way to communicate with them by email and get a written response from them to confirm when they will complete the process and deliver the proper papers I need. The only practical means to complain is by phone and that has been very ineffective I seek your help to resolve this problem. I have paid for the car in full and Hyundai Finance should make sure that they do everything expeditiously to help me transfer the title to the vehicle in my name. 

Regrettably they have been quite XXXX in handling this matter. 

Thank you for your help
Consumer complaint received 2022-09-08
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: EQUIFAX, INC. (TX)

Multiple accounts listed by XXXX Equifax and XXXX XXXX regarding XXXX XXXX XXXX XXXX. That account was part of a line of credit. XXXX  foreclosure. I have asked them to remove and they took revenge and duplicated it on my wife XXXX XXXX and my ( XXXX XXXX ) credit reports. Thier is also multiple hard inquries which i asked to be removed or provode proof of signature on an application. XXXX have failed to remove or assist.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

ITS BEEN MORE THAN 30 DAYS SINCE I DISPUTED THE FOLLOWING INQUIRIES AND I HAVE NOT HEARD BACK FROM TRANSUNION. 

15 USC 1681C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT THIS COMPANY MUST REMOVE INQUIRIES IMMEDIATELY TRANSUNION XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-10-19
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. (CA)

I HAVE SUBMITTED COUNTLESS DISPUTES REGARDING FRAUDULENT AND INACCURATE INFORMATION. 

XXXX XXXX XXXX  XXXX, I WAS NEVER LATE, I AM DEMANDING THAT THIS LATE PAYMENT IS REMOVED IMMEDIATLEY!