davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
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. (MD)

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. 

Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 2015-09-28
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (GA)

I purchased a new XXXX laptop on XXXX/XXXX/2015 for {$1000.00} ( before tax ). I used my CITI card. It has a warranty extension benefit that comes with the card that doubles the length of the manufacturers warranty. I opened a claim and sent in the required documentation. One of the things the claims package requested was an estimate for repair from the manufacturer. I had a manager at the service department of XXXX send me an email estimating the cost of repair and sent it in with the claim package. CITI 's claims department denied the claim on the basis that the estimate I sent in was not itemized. I informed them that XXXX was unable to give me an itemized estimate until I sent in the laptop ( which requires I pay the {$210.00} they estimated for the repair ). So Citi is unwilling to pay the claim without an estimate for the repair and I can not get an estimate until Citi pays the claim.
Consumer complaint received 2016-03-15
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC (CA)

I was looking up payday loan companies online and came across this payday loan website XXXX and they advised that i can get a payday loan in five minutes. I filled out a ll the info that was asked and was contacted via e-mail by Northern Plains Funding , LLC. Then was contacted by an agent that advised me that i was approved for {$300.00}. Went through the process of verifying all my info with the agent like my contact info, place of employment and my bank information by calling my bank on 3way with the agent on the phone asking my bank questions to verify that it was my bank account and in good standing. 
The agent then advise that she will be e-mailing me the agreement and the way that it was explained to me is that I can make pays of {$90.00} per pay period or i can just pay the loan off in full, but i was not made aware that i would have to pay {$2300.00} on a {$300.00} payday loan i understand that payday loans can have high interest but not that high I have done previous payday loans in the past and paid nowhere near {$2300.00} in interest. Once I got the money I looked over the loan in more detail and seen all the interest that was being charged. I then did some digging only to find out that this company do not have any business license in the state of California or in XXXX XXXX county for that matter. I spoke with a agent from DEPARTMENT OF BUSINESS OVERSIGHT and they also tried to look up this company only to find that this company is not licensed to do business in the state of California. I was also advised by the agent that this company is on a XXXX reservation doing buiness, agent then adivsed me that i will need to file a complaint through Federal Trade Comission sense this company is located on tribal land. 
I have only made one payment of {$90.00} so far to this company thru direct deposit which i sent a e-mail to the company advising them of Revocation of ACH credit and debit no later then XXXX XXXX. 
From my understanding per CALIFORNIA DEPARTMENT OF BUSINESS OVERSIGHT website maximum fee a payday lender can charge is 15 % ofthe face amount of the check ( up to a maximum of {$45.00} ). but this company is charging me well over 15 % and well over the maximum of {$45.00}. 
This loan has a Annual percentage rate XXXX % .This loan is from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. 
And also per CALIFORNIA DEPARTMENT OF BUSINESS OVERSIGHT The lender does not cash the check until the borrower 's next payday, up to 31 days. This lender has clearly went over the 31 days allowed until my next payday the lender is requseting that i make 24 payments of XXXX and the last payment of XXXX. This lender is advises that all the payments will be applied first to the finance charges and fees {$2000.00} then to the principal.
Consumer complaint received 2024-10-23
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. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (FL)

I have tried to call citi banks many times but they wont let me access my account, they said they sent me a letter for reference not to the address i have on file, but the one on public record where i use to live with my ex wife, i have money in my CD and savings account .i need my money because i have an important XXXX XXXX
Consumer complaint received 2024-08-28
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (FL)

Upon completing balance transfers to my XXXX U.S. Bank credit cards within the limits of the transfer requirements I was informed that my credit cards would be closing after review upon determining I have put the bank at risk by repeatedly, reporting my cards, lost or stolen, which is patently, false, as I have had the same credit cards for years with no reports of them having been lost or stolen, and all my payments are on time, and I always pay over the minimum required amount. I feel that because I revealed that I am on XXXX they fabricated this excuse as a means of discriminating against my protected class as a US citizen, incapable of performing job functions while undergoing XXXX medical treatments.
Consumer complaint received 2024-10-23
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. (OH)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX acct number XXXX with a balance of {$7600.00} and a collections account opened at XXXX acct number XXXX with a balance of {$420.00}, XXXX  account XXXX with a balance of {$150.00}, XXXX acct XXXX with a balance of {$0.00}, XXXX XXXX XXXX acct XXXX with a balance of {$39000.00}, XXXX  XXXX Bankruptcy Ref : XXXX, XXXX XXXX ( inquiries ), XXXX  ( inquiries ), XXXX XXXX XXXX ( inquiries ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and ineesitofCentythetand fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-23
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. (WI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-11-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AZ)

I received my credit report every other month. My credit score went down so I checked my report. I saw 2 open accounts for XXXXXXXX XXXX  in collections which i never opened.. On my credit report I saw name IC system Inc XXXX and XXXX asset solution both for same amount {$1700.00}. they advised they are using cell # XXXX with email address XXXX XXXX
Consumer complaint received 2024-11-11
Product: Credit 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XX/XX/year> approximately XXXX XXXX  EST I called USAA to submit a dispute for a transaction with XXXX for {$380.00} for delivered goods because the merchant accepted a refund request for the goods and provided a shipping label, acknowledging receiving the delivered goods and that a refund was to be processed, and then confirmed in writing that I needed to dispute the transaction with USAA. 


On XX/XX/year> USAA emailed me requesting additional information for " A detailed description for the service expected to be received '' despite the dispute being about goods and not a service. I provided a PDF with a description confirming that this was not a dispute about services, a description of the dispute, and proof of all of the above actions with the merchant including the fact that I should have received a refund. 


On XX/XX/year> I received a response from USAA stating that they found the dispute to be valid as " A review of our records indicates that the requested information necessary to continue our investigation into the disputed transaction was deemed insufficient. Based on existing information in our records, there is insufficient evidence to support your claim ''. It does not state what evidence was necessary for the dispute, despite all evidence provided by me to clearly demonstrate the dispute to be valid. 


On XX/XX/year> approximately XXXX XXXX  EST I called USAA and spoke with a female phone agent who was not able to look into my dispute and said I would receive a response from the dispute department within a week. 


I have not received any response regarding this dispute from USAA as of XX/XX/year>.
Consumer complaint received 2024-10-23
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. (TN)

XX/XX/year>, and prior to, I requested that the following address be removed from my report : XXXX XXXX XXXX, XXXX, TN, XXXX.
Consumer complaint received 2017-06-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (DC)

Hello, I used PayPal on  XX/XX/XXXX  to send {$1800.00} to my sister. I accidentally typed in the wrong email address and sent the payment. I noticed IMMEDIATELY and canceled the payment. I re-typed her email address correctly and she got the funds.  <P/> On  XX/XX/XXXX  and  XX/XX/XXXX  my b ank (   XXXX   XXXX   ) cha rged me {$25.00} fees ( {$50.00} total ) because PayPal was continuing to attempt to take out the original {$1800.00} I sent to the incorrect person. Because I cancelled the payment immediately, I assumed that meant  XXXX  things :  ( 1 ) the person on the receiving end would no longer get this money and ( 2 ) PayPal would not take  this out of my bank.  <P/> The latter of the  XXXX  is not true. When I called PayPal, they said they could not stop their system from attempting to take money out of my account. They said it automatically attempts to take it out twice. This means all people who do not have sufficient funds for accidental payments they cancel will automatically be charged unnecessary banking fees because PayPal does not make this clear to consumers when they cancel their payments in their system. They are also hurting their users by automatically extracting funds from cancelled payments twice. This makes no sense to a consumer. If I cancel a payment it means I BOTH (  1 ) no longer want to send the money to the receiver and ( 2 ) I no   longer want these funds taken out of my account.  <P/> This has been an extraordinarily disappointing circumstance.  <P/> Thank you!    XXXX   XXXX
Consumer complaint received 2016-08-11
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Neon Newco Corporation (NY)

XXXX was loaded into my netspend Card to purchase a airline ticket the transaction was cancelled by the agent the netspend company is withholding my. Money for almost a week and a half asking for all these documents which is impossible to get I set them evidence of the transaction and they still refused
Consumer complaint received 2024-11-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I have never heard of this company and they put XXXX times on my credit report XX/XX/XXXX for {$980.00} I.C. SYSTEM, XXXX XXXX XXXX, MN XXXX I have excellent credit and this is WRONG!!!!
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (NV)

I was trying to apply for an apartment and was denied due to inquiries on my credit than I checked my credit report and I do not know anything of the inquiries that's on my report which is why I'm trying to file a fraud report or identity theft today
Consumer complaint received 2015-09-28
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant & Weber (AZ)

The debt collector, Grant & Weber, refuses to prove that the debt is still valid and enforceable by failing to provide a copy of the signed contract. The difference between the debt being valid and expired depends on the existence of a signed written contract. Regardless, consumer has attempted to resolve the unpaid medical bill but collector is charging interest in violation of the FDCPA as they have failed to provide any evidence that they can collect interest. Further, debt collector states that medical provider will not negotiate a settlement which is a bold faced lie. They refuse to engage in negotiations and refuse to waive interest charges, yet the continue to report this account on the consumers credit report every month as an unpaid debt. The debt is nearly 6 years old. Their conduct is unfair, deceptive, and the practice of charging interest without a contract or law suit is a systemic and intentional violation of the FDCPA.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-11-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (UT)

XX/XX/XXXX XXXX scheduled XXXX XXXX  for XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. When I was informed they had scheduled the XXXX to take place at their XXXX XXXX I requested that they move the XXXX to XXXX XXXX, as XXXX was out of network. The scheduler stated they had a preauth and it would be covered at in-network rates. I called my insurance company and was told that XXXX was out of network, so I called XXXX, the scheduler and asked again for the XXXX to be moved to XXXX XXXX based upon my conversation with my insurance provider. I was again told that my request to move the XXXX was being denied. I explained that I was concerned that even if my insurance processed the charges as in-network that I would be balanced billed. XXXX told me that XXXX would not balance bill me and would write off any portion unpaid by insurance. In XXXX I got a bill for {$14000.00}. I called XXXX to resolve the issue and was told to ask my insurance to pay the remaining balance. When I spoke to my insurance they stated that the remaining balance was above the reasonable and customary charges for my XXXX and that they could not require XXXX to write off the remaining balance. In XXXX I made a complaint through the compliance department and was told the issue would be resolved. They resubmitted the claim to my insurance and my insurance stated they over paid for an in-network rate. I got another bill from XXXX for a little over {$24000.00}. I again filed another complaint and was told that XXXX stated she had denied my request and they would resolve the issue. The claim was again sent back to my insurance, denied the request for paying the balance in full. I got another bill in XX/XX/XXXX for {$18000.00} and again called the compliance line and was told it would be taken care of. The total balance was removed from my account and I thought the issue was resolved. XX/XX/XXXX, I got a collections notice for the balance. I informed ICS that XXXX had stated the would resolve the matter, and they have not sent a response from XXXX or stopped collections.
Consumer complaint received 2024-10-23
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. (SC)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-08-16
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: NAVY FEDERAL CREDIT UNION (AL)

I am writing to formally dispute negative remarks on my credit report resulting from a data breach involving my Social Security number. My personal information was compromised, and as a result, fraudulent accounts and charges have been made in my name.
Consumer complaint received 2024-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (DC)

I am dealing with an identity theft case involving Wells Fargo Card Services, where they claim to have identified my signature on a loan from a company called XXXX from XXXX, TN. However, I never signed any such loan. I have clear evidence showing that I wasnt even in Tennessee as shown on my banking activities at the time, but they havent asked for this evidence yet. Instead, they continue to insist that the signature is mine. Ive disputed this multiple times, stating that I can prove the loan was fraudulent. I have no history of fraud, either before or after this loan, and I pointed out that XXXX  didnt request ID verification, as I wasnt there to sign for it. As I suspected, this was a case of identity theft, as I was driving through Tennessee a few days earlier, and the loan was signed without me presenting on XX/XX/year>, when I was actually in XXXX  XXXX DC. I have also stated that I dont own or rent any property in Tennessee XXXX and this loan was supposedly for home renovations.