davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

PREMIER Reported : XX/XX/XXXX Overview You're currently using 148 % of your account 's limit. 
Balance : {$730.00} Credit limit : {$500.00} Payment history No history is available. 
Monthly Payment Amount {$0.00} Current Payment Status Collection/C harge-off Amount Past Due {$730.00} @ 25 % 0 XXXX XXXX {$730.00} Closed Account details Account Number Account Status Open Date Last Activity Type Responsibility Remarks Times XX/XX/XXXX Days Late Months Reviewed Term Source Type High Balance High Credit XXXX XXX Charge Off XX/XX/XXXX XX/XX/XXXX Credit Card Individual Profit And Loss Writeoff XXXX {$730.00} {$500.00} Creditor information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$530.00} Closed Overview You're currently using 179 % of your account 's limit. 
Account details Account Number XXXX XXX Balance : {$530.00} Credit limit : {$300.00} Account Status Charge Off Open Date XX/XX/XXXX Payment history No history is available. 
Last Activity XX/XX/XXXX Type Credit Card Responsibility Individual Monthly Payment Amount {$0.00} 0 Remarks Profit And Loss Writeoff Current Payment Status Collection/C harge-off Times XX/XX/XXXX Days Late XXXX Amount Past Due {$530.00} Months Reviewed Term Source Type High Balance {$530.00} High Credit {$300.00} Creditor information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX ) XXXX
Consumer complaint received 2020-08-27
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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 & the 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is a public record listed on my report as XXXX that does not belong to me. Ive submitted numerous documents to XXXX and Transunion to prove the record is not mine. The record being listed continues to violate my consumer right to accurate reporting. In addition, I contacted Transunion on XX/XX/2024 and spoke with a representative who advised me that she deleted the record. I called back on XX/XX/2024 to confirm its deletion and was advised that the individual did not in fact delete it. I have a case # XXXX for a complaint regarding this issue in which a recording of our conversation is supposed to be reviewed. XXXX XXXX of the special handling department advised I would receive a call back about this. I have not received a call back. This record needs to be deleted. Ive also attached a police report when it was originally filed regarding this record.
Consumer complaint received 2024-12-11
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (FL)

I am writing to formally dispute the {$XXXX} charge associated with my XXXX XXXX XXXX Credit Card, which stems from an unjust cancellation fee imposed by XXXX XXXX fencing XXXX, XXXX XXXX. The fee is both excessive and unethical, and I believe it is unreasonable for me to bear this financial burden given the circumstances outlined below. 

On XX/XX/year>, I entered a contract with XXXX XXXX to install a XXXX privacy fence. However, the contract I signed did not disclose the exact cost of the cancellation fee, nor did the representative from XXXX XXXX warn me of the fees magnitude at the time of signing. When I sought to cancel the project, I was informed that I would be charged a {$XXXX} cancellation fee, despite the fact that no materials were purchased, and no labor was performed on my property. 

XXXX XXXX claims this fee covers expenses such as filing permit paperwork with the XXXX of XXXX XXXX, taking property measurements, and marking public utility lines. However, it is incomprehensible that such actions could reasonably result in {$XXXX} of costs. Filing permit paperwork and taking measurements are standard pre-installation activities that should not warrant such an excessive penalty. A more reasonable cancellation fee, at most, would be {$XXXX} to account for these administrative tasks. 

This exorbitant fee is not only excessive but also unethical. As a consumer, I was not warned about the financial risk of cancellation, nor was the fee disclosed upfront, depriving me of the opportunity to make an informed decision. I believe this violates basic principles of transparency and fairness in consumer contracts. 

Home Depots business practices in allowing its fencing XXXX to impose such excessive fees is a type of predatory behavior that should not be permitted under any circumstances, and I am asking for your assistance in addressing this matter. 

I respectfully request that XXXX reverse the {$2500.00} charge on my account, as it represents an unfair penalty for a service that was not completed and for which no materials or labor were provided. I appreciate your understanding and support in resolving this dispute promptly. 

Please feel free to contact me at XXXX or XXXX if additional documentation or clarification is required. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (VA)

I received several bills in the mail regarding a XXXX late charge owed to sprint. XXXX was paid in full by my past bank XXXX in which I never authorized a final payment any how so not to sure why XXXX submitted a request for payment to my financial institution. When this all begin I attempted to pay in payments with XXXX was denied the option to do so. I then saw a submission to my bank at the time for 2134 I believe was the exact amount. I disputed with my bank advising I was not on auto pay with XXXX and has not given authorization for the final bill to come out of my bank account. XXXX attempted many times on different dates until XXXX allowed the payment to go through. XXXX placed me in debt stating that they authorized the payment as a courtesy, putting a client in debt for a non authorized charge isn't a courtesy. I called sprint and asked why was a XXXX late fee charged after they received the full payment from XXXX the online chat teammate advised they will waive the fee. Months and a year later im now getting harassed by a third party call afni which XXXX hired to collect on a XXXX late charge that should have not been on there. I need assistance with getting this matter resolved and of my credit. XXXX made a fraudulent action against me and it was not the way to treat a customer. When attempting to get the matter resolved I experienced long holds and hang ups.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OK)

I ordered an XXXX online on XX/XX/XXXX. I used PayPal with confidence under their buyer protection promise. I was billed and then paid {$240.00}. No shipping information was provided. I filed a dispute on XX/XX/XXXX. A tracking number was provided by merchant. The item arrived not as described. A worthless phone case. I filed a claim and provided picture evidence. PayPal has been unhelpful and unresponsive in helping settle this case. I have been delayed and asked to file an internet crimes report twice. Which I have done. Still PayPal will not answer or provide me with information about the merchant or their buyer protection.
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (PA)

XX/XX/XXXX & XXXX received voicemails from a company claiming to be XXXX XXXX  and tells me to call them back at ( XXXX ) XXXX. I do not have outstanding debt and never received any written notifications claiming overwise. I do not want to engage in case it is a spam call
Consumer complaint received 2024-01-12
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. (FL)

I am writing to formally express my deep concern and dissatisfaction with the credit reporting practices of XXXX, XXXX, and TransUnion. 
The mentioned agencies have not obtained my consent for the report of the bankruptcy on my credit profiles. These companies need to remove this reporting due to inaccuracies in reporting and violations of Metro 2 compliance. Furthermore, under the Privacy Act of 1974, No agency shall disclose any record contained in a system of records by any means of communication to any person or another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

Moreover, I want to state that under 15 USC 1681a and b, it is imperative to guarantee that consumer reporting agencies fulfill their substantial responsibilities with fairness, impartiality, and a dedication to upholding the consumer 's right to privacy. These entities must adopt reasonable procedures to meet the demands of commerce for consumer credit, personnel, insurance, and other information in a manner that is just and equitable for consumers. This encompasses the safeguarding of confidentiality, assurance of accuracy, relevance, and appropriate utilization of information. 
Included there is a court statement along with an FTC identity theft report, as supporting evidence. 
Furthermore, 15 U.S.C 1681c2a states that it is mandated that a consumer reporting agency must promptly block the reporting of any information in a consumer 's file identified by the consumer as resulting from alleged identity theft. This action must be taken no later than 4 business days after the agency receives documentation from the consumer which I have attached.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-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 2024-01-11
Product: Credit reporting 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. (FL)

Unauthorized hard inquiries were placed on my credit report on the below dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 1

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

15 U.S.C. 1681s-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 2024-01-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (MD)

My vehicle was totaled on XX/XX/XXXX. My insurance company paid the amount that they were liable for as well as my GAP insurance. After these transactions were completed towards the end of XX/XX/XXXX I was left with a balance. The dealership 's finance manager where I purchased my vehicle told me that I was owed money from the service contract that I purchased. The finance manager stated that by law the check had to go to the lien holder because there was a balance due on the auto loan. The dealership 's accounting department sent the checks via overnight mail three times to the finance company and each time the payments were rejected. I then asked the finance manager to add my loan account number to the memo of the checks so that the lien holder would know which account to apply the money to. After making many calls to the finance company I was able to speak to someone at the finance company 's asset recovery center that was able to release the checks for payment. Unfortunately, on the finance company 's website, I am still showing a balance due. The accounting department subsequently sent the checks two more times. On XX/XX/XXXX I discovered that the lien holder had already cashed the checks and never sent me the remaining balance.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXXXXXX XXXX is reporting that I was late on my payment back in XXXX of 2023. It is currently being reported to XXXX, XXXX, and Transunion. However, I was never late for any payment. Incorrect data is being reported to all 3 credit bureaus.. In the past, I have talked to XXXXXXXX XXXX and it was supposed to have been fixed but still it is not fixed.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am the author of this complaint and I have attached a copy of my driver 's license and social security card to verify my identity. I tried to apply for credit and was swiftly denied, which led me to check my credit report. I noticed several creditors and collection agencies that are reporting incomplete, incorrect, and downright fraudulent information. I have attached letters below in the attachments which will show the accounts that I am calling into question. 

The credit bureaus are allowing reporting in such a way that violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 15 USC 1681s-2b and 15 USC 1681b are being blatantly violated and from my research all parties can be held civilly liable. 

The credit bureaus are not conducting a reasonable investigation like they are obligated to do
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (NC)

I was at home when I notice an email on XX/XX/XXXXXXXX  around XXXX. The email shows that an account from Chime.com was opened. When I checked the time the account was opened was at XXXX XXXX XXXX. I went to the police XX/XX/XXXX, the same day I realize the account was opened, I also called chime to close the account, I send them prof of police report, the police officer send me a link to inform the FBI. The person impersonating me used my demographics which and old address along with my email, and made it seemed that it I that signed the contract for this online banking. 

Than another occasion similar to this happened on XX/XX/XXXX at XXXX I emailed the company and they emailed back that the account got closed. 


Also today XX/XX/XXXX another email came through at XXXX
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

I have been a costco customer for close to two decades. I never had a problem with XXXX XXXX costco card. Then in XXXX visa took over and what a mess it created. for more than a year they did not issue the new card, did not have customer service and kept lying about that XXXX XXXX would not give the customers ' files to Visa. I was reading the Federal Reserve and OCC articles violations & fining Citi bank over XXXX XXXX  since XXXX. This is the bank that got one of the largest bailout XXXX XXXX during the XXXX financial crises. That was our tax money at works. They spent most of it on re buying their shares and paying high bonuses to the same executives who caused the crisis. 
I lost my job in XXXX and applied for unemployment benefits and finally was approved in XXXX. Like millions of other people I thought I would get paid all together for 16 weeks.It did not happen, only one week. PA PUA owes me 15 weeks and my congressman and state senator have been working on my behalf. But so far I have not seen any money. 
CitiBank Visa knows about my situation because I have been very upfront with every lender to which I owe.Now as I talked to them months ago, I had a verbal promise that I paid the principal the late fees and interests would be waived. Since XXXX I have been true to my side and I think I should be able to pay the debt in two payments maybe three. If I get the stimulus check I will pay right out one shot. after making large payment as I promised now they are playing this second graders game : " OH, we tried the system doses not allow us '' .I want CitiBank to do the right thong as promised. 
well I spoke to a staff attorney in Pennsylvania Attorney General Office of Consumer Protection who advised to file this complaint first.
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MA)

My XXXX  credit score was reported as XXXX. I have no debt. I investigated and realized Citicards reported an {$8400.00} debt. This debt was settled via XXXX XXXX XXXX in XX/XX/2020. 
After 4 days of phone contact with Citicards I was told the account was sold to XXXX. 
I have proof of payment via XXXX - it was paid in full in XX/XX/2020. 

My issues are : # 1. Why was Citicards erroneously reporting a debt serviced by XXXX? 
# 2. The report caused me to lose an option of an Affordable apartment. I am so XXXX yrs. old and XXXX and have no other options right now. 
# 3. Proving the error to XXXX  has taken days and hours on the phone, info mailed, faxed, and emailed to produce evidence the debt was paid. 
# 4. Ive filed a dispute with XXXX but must wait 30 days for a decision, and I will lose the apartment. 
# 5. Im extremely angry about this injustice caused by Citicards and want some sort of Recompense.