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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XX/XX/year>
Consumer complaint received 2019-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (WA)

XXXX, 2018, I had a paid off and closed my Citibank credit card. In XXXX, 2018, I was alerted that XXXX XXXX had charged me {$10.00} on my closed credit card. It was a fraudulent charge so I contacted Citibank they put me in touch with their fraud department, they asked me to call the XXXX XXXX phone number on my statement to refund and don't charge my account anything. XXXX XXXX  refunded the {$10.00} I spoke with Citibank they confirmed it was refunded but admitted that XXXX charged me again under a different XXXX name and Citibank paid them after I was in a fraud alert discussion in progress. The next month they charge me a late fee. I called them again and they said they would remove it and continue the fraud investigation. The next month I had two months worth of late fees and they said they would remove them. They admitted they had not given the information to the other branches of their organization to not charge me. The next month I was reported to the three bureaus for 60 days past due for paying the late fees they informed me they were and would be removed. I called them again about fear of this error showing up on my credit report. They informed me that it had already happened and they could not reverse the 60 days past due reported to the three credit bureaus. They said I would have to do it. I have been Out of Country for three weeks on vacation, and am now starting the process of repairing Citibank 's error and negligence. I need it repaired immediately fore I am self-employed and my business requires bank loans and secondary market loans for Construction Loans to build Spec home in process to sell and make an income. I am so furious with Citibank and their negligence and the time and delays on obtaining descent Loans that I deserve for having such great credit and repayment on time for thirty-eight years of reported credit!

I have previous statements showing interest charged on fraudulent activity and late fees and where the fraudulent company refunded yet citibank charged me interest and late fees when under investigation. 
I asked citibank to reverse and fix my credit report due to there neglect and they refused and told me to call and dispute it when they knew they were at fault. 
I was on a recorded line on citibank each time I called and they have the recorded conversations.
Consumer complaint received 2019-03-07
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. (AZ)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on an account with the XXXX - partial account numbers XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2021-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CO)

I cancelled my XXXX account in the summer of XXXX. After closing my account, I was told that I owe {$310.00}. After multiple phone calls with customer service and eventually having to go to the XXXX store twice, I was assured on the phone that the account was XXXX out and I did not owe any money. There should be recordings of these phone calls. 

In XX/XX/XXXX, I was sent the attached letter saying that XXXX owed me {$310.00}. Not one to turn down free money, I returned the letter to XXXX. I never received a check or credit, instead, I started receiving bills. I attempted to call XXXX regarding these bills but they were unable to talk to me because I could not remember my account passcode and required that I go to the store. Due to the COVID pandemic and the fact that this issue had been fixed, I was unwilling to go to the store. 

In XX/XX/XXXX, when applying for a very important loan, I learned that I had been sent to collections from XXXX for the amount of {$310.00}. In my haste to attempt to fix my credit score so I could qualify for the important loan, and because I was told I could request a refund from the collections agency within 30 days, I paid the debt. On 4 occasions, I attempted to cancel the paid debt with collections and request a refund so that I could have this removed from my credit score permanently, however, the collections agency refused to refund my money. They told me to file a dispute with my credit card company, which I have done. 

I also sent the attached email to both XXXX and the collections agency on XX/XX/XXXX, and I have never received a reply from either company. 

I honestly don't even care about the money at this point, which is why I paid the collections agency, not realizing that it stays on my credit report for 7 years, anyway. I am just very, very disappointed and upset that I can not qualify for my loan and this has had such a hue negative impact on my life. I am at such a loss and feel so powerless. I did not ask for any of this and have tried so hard to fix this without anyone being willing or able to help me. My credit score has been ruined and I would like this incorrect debt to be cleared from my report.
Consumer complaint received 2019-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  and Transunion are reporting incorrectly that I am 90 plus days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 3 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

In XXXX I obtained a credit card with XXXX XXXX with a credit line of {$300.00} while off in college! Since then I have had XXXX XXXX report to my credit as an open account thats derogatory statement and then return with an hard inquiry, like I am requsting a line of credit with them and I nolong seek out credit cards. I believe they are doing wverything they can to keep an account open on me and in a negative status! Which continues to affect my credit Year after Year! I really need to get this resolved now that im wanting to rebuild my credit. I have tried contacting XXXX XXXX in regards to this manner but they will send me around and around to see why they are still reporting negative to my credit. 

XXXX XXXX
Consumer complaint received 2019-05-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JH Portfolio Debt Equities, LLC (TN)

The number has called my cell phone repeatedly and left very vague messages. Each message says " You have a message from XXXX XXXX XXXX. This is a call from a debt colletor. Please Call XXXX. Thank you. '' There is no information left as to what the debt is, who the call is for. Also, the number to call back is not the same number they are calling from. I do not have any outstanding debts. XXXX XXXX XXXX marks this as an Alert Call : Spam Risk
Consumer complaint received 2019-05-21
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: Prosper Marketplace, Inc. (CT)

This complaint is regarding a violation of the Fair and Accurate Credit Transactions Act ( FACTA ) amendment in 2003 to the Fair Credit Reporting Act ( FCRA ) of 1970, in specific violation of the Red Flags Rule ( RFL ) of 2008 by Prosper Marketplace , Inc. in XXXX XXXX, California. 

I was alerted by several different credit monitoring accounts that a hard inquiry had been made on my XXXX credit report by Prosper/XXXX   on Sunday, XX/XX/2019. This wasn't a request for credit that I had made. 

I called Prosper Marketplace, Inc. at the number listed on my XXXX report on Monday, XX/XX/2019. 

I was given the run-around for several minutes while calling Prosper Marketplace, Inc. on XX/XX/2019. But the operator was eventually able to locate an approved loan application with my social security number and name. 

The woman on the phone remarked to me that the application had the wrong birthday and address. This remark alone proves the RFL was violated. 

I then was compelled to undertake an arduous and time-consuming process of obtaining a police report and submitting said police report to Prosper Marketplace, Inc. for the entity to request removal of said inquiry from my credit report. I went through this arduous process simply because I desired that this false and illegal inquiry, violating the RFL was removed expeditiously. 

Prosper Marketplace, Inc. has willfully violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, specifically under the Red Flag Rule ( RFL ) of the Fair and Accurate Credit Transactions Act ( FACTA ) of 2003.
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (IL)

American Express refused a purchase on XX/XX/XXXX that was within my credit limit with no warning and then decreased my credit limit by 30 %. Two of the reasons listed for its decision was my FICO credit score and my percentage of utilization of revolving credit. In  lowering my available credit limit, both factors will be further negatively affected. I spoke with a customer representative from American Express who said that my credit could be restored with a {$250.00} payment to be applied towards my balance on the account in question or by submitting additional personal financial information. 

My complaint stems from the fact that my credit limit was lowered without warning, which will only further impact my credit score which American Express cites as a part of their reason for their action, and that the only grounds for having it restored are additional payments on an account that is current with no payment due or by submitting additional personal financial information. American Express ' actions and resolution processes are predatory and aim to bully its clients ( me ) into early payment or unfair disclosure of additional personal financial information. 

Furthermore, at the time of writing this complaint, I have yet to receive a letter or email from American Express detailing in writing their specific process for restoring my credit limit all of this information was presented to me over the phone by their customer service representative, so I can not review this information myself or attach American Express ' requirements to this complaint.
Consumer complaint received 2019-05-22
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. (MO)

XX/XX/19 I contacted XXXX XXXX XXXX regarding 4 inquires on my credit report that were processed within a 30-day period by the same company. I was directed to contact XXXX XXXX   to ask them to remove the unnecessary inquiries that resulted to their clerical error. I contacted XXXX XXXX  on XX/XX/19 via telephone and on XX/XX/19, XX/XX/19 and XX/XX/19 via email to the Vice President XXXX XXXX and Assistant Vice President XXXX XXXX. Both individuals have refused to address my concern about their companies excessive inquiries. I did not authorize this company to run my credit 4 times within a 30-day period. I feel this company has discriminated against me by running my credit 4 times without a valid reason. My credit report did not change within that time frame and this is not typical in the mortgage industry with the exception of minorities applying for mortgages. I have requested the company to remove the extra inquiries from my credit report as they only needed to review my credit once to determine if I qualified for a mortgage loan. They have refused to remove the additional inquiries or provide an explanation as to why they needed to review my credit 4 times within 30 days. TransUnion and XXXX  have also refused to address the issue stating I need to resolve it with the company that ran my credit. This practice against MINORITY applicants must stop!
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian is incorrectly reporting an item on my credit report for XXXX on XXXX XXXX, account number XXXX. This reporting is a violation of the Fair Credit Reporting Act. This account is over 7 years old. Please remove this item from my credit report.
Consumer complaint received 2019-05-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: STERLING JEWELERS, INC. (MO)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, company calls me everyday at around XXXX MST and has now started calling family members at XXXX MST.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion has obtained inaccurate information from a third party vendor called XXXX. XXXX realized their mistake and deleted this information. I have sent TransUnion a certified letter asking them to remove this inaccurate information/ dismissed Bankruptcy because it longer exist. Bankruptcy XXXX.
Consumer complaint received 2019-03-07
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: I.C. System, Inc. (VA)

In XX/XX/2017 I noticed that IC Systems/XXXX was shown on my credit report as a collections account. I contacted them to confirm the address for the service because I had evidence of paying my XXXX account prior to relocating out of the state of PA. The address they provided was an address that I have never lived and during the time the service was provided, I showed evidence that I was living in VA. I submitted all of this information to all 3 credit bureaus ( XXXX, XXXX  and XXXX ) so  that the erroneous information would be removed. My credit report also showed the address where XXXX service was provided and I submitted evidence to all 3 credit bureaus advising that I never lived at the address they had on file. Each credit bureau removed the collection account as well as that address listed based on the written documentation provided. At the end of XX/XX/2017, I received a call from XXXX attempting to collect on that same debt that I had the credit bureaus remove and I advised them again that this was not my debt since I had never resided at the address where XXXX provided service. I was told that in order for me to stop the collection calls, I needed to fill out a form for fraud on their website. I completed this as required but received a letter advising they would not process my online form unless I could provide a police report for identity theft.. When I contacted XXXX XXXX ( VA ) Police Department they basically advised that since I was not sure who stole my identity, I should have been able to dispute this with documentation evidencing my previous address during the time the services were provided by XXXX. On XX/XX/2017, I submitted a letter to XXXX ( attached in this complaint ) advising them of this and provided all supporting documentation to evidence that I never lived at the residence and I never heard back. Today I received an alert from XXXX XXXX that a collection account has been added to my credit report from IC Systems and the original creditor is XXXX. This has caused my credit score to go  down XXXX points. It has been 2 years since I sent the letter to XXXX and they have never responded but have sold this debt to IC Systems again and is now showing as a collection on my credit report. I have never received any information or telephone calls since submitting my letter to them 2 years ago. I have submitted a letter to the 3 credit bureaus again to have this removed from my credit file
Consumer complaint received 2019-03-07
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: CITIBANK, N.A. (CA)

I am a victim of identity theft and identity fraud. After reviewing my credit report I noticed the inquries that I did not authorize. 

CitiBank Na Inquiry Date : XX/XX/2018 XX/XX/2018
Consumer complaint received 2019-03-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: SUNTRUST BANKS, INC. (MD)

SunTrust Bank closed the overdraft line of credit for my personal checking account in XX/XX/XXXX and did not notify me. I found out in XX/XX/XXXX when I checked my credit report. The line of credit was closed while another financial institution had a hold on my checking account in XX/XX/XXXX ; the court ordered reversal of the hold in XX/XX/XXXX. 
I talked to people at SunTrust Bank to get the line of credit reopened, including XXXX XXXX, Supervisor of Loan Servicing and XXXX XXXX, Office of The President, but the bank refused to do so. I have never been late in paying on the line of credit, which should be reopened without my having to apply for new credit. The whole situation occurred because of circumstances beyond my control and without me being at fault. I have been discriminated against.
Consumer complaint received 2019-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Voss & Klein, LLC (FL)

In XX/XX/XXXX I signed an agreement under duress with XXXX XXXX XXXX XXXX XXXX. Then, my identity was stolen in XX/XX/XXXX. I attempted to cancel the contract made under duress while I was sick and learned that there was toxic mold in my house. They referred the debt to Voss and Klein in XX/XX/XXXX who has harassed me even further. I contacted Voss and Klein on more than one ocassion to tell them the situation, and offered to return the equipment that was ripped out of the wall by the person who stole my identity. They declined. I disputed the charge and the collection with XXXX in XX/XX/XXXX. They are continuing to regard the debt as mine when it is not. It was supposed to be settled in XX/XX/XXXX, and the collection has gone even higher. This behavior is predatory and wrong.
Consumer complaint received 2019-05-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: KEYCORP (PA)

I called ( 6 ) times requesting updated post -fixed rate option loan documents. I was repeatedly told by both agents and supervisors at the MORTGAGE SERVICING dept that the documents were mailed, yet we did not recieve them. 
On XX/XX/XXXX I called again to see where the loan documents theyve said they mailed out were. The agent -XXXX- transferred me to a supervisor but before doing so, thought the call was on hold and laughed heartily. Apparently, its funny now. The poor customer service at KeyBank is literally STUNNING. 

The supervisor -XXXX- would not answer ANY questions whatsoever about my loan, citing my CFPB complaint. He informed he was instructed NOT to discuss my loan with me and refused to answer a question that had nothing to do with my CFPB complaint. 

He referred me to the executive response team who confirmed they have not mailed my updated loan documents that Ive been waiting for and that they might possibly not be sent out for 6 weeks - or end of XXXX. Thats 3-months after the loan was altered and, I to this day, do not have any updated documentation. Nothing was signed, nothing in writing. They wont answer questions now and XXXX is now the only person handling the account and she doesnt answer phone calls or written questions. 

I believe it is improper and possibly illegal to refuse to service the {$60000.00} + loan and provide paperwork because of a complaint regarding a separately bungled matter. 

I did not choose to be a KeyBank customer as my loan was bought out from another bank, but refusing to service it is wrong.
Consumer complaint received 2019-03-07
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. (TN)

Equifax is incorrectly reporting me 120 days late on XXXX, partial account number XXXX that has a {$0.00} balance and a {$0.00} past due amount. This incorrect reporting is hurting my credit score. It's impossible to be 120 days late on an account with a {$0.00} balance and {$0.00} past due.