davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-19
Product: Credit card — Store credit 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: CITIBANK, N.A. (FL)

In XX/XX/year> I purchased an air-conditioner and new duct work for my daughter 's home from XXXX XXXX, a vendor working out of Costco stores . My daughter has a XXXXXXXX XXXX XXXX child and is pregnant with my granddaughter and their existing AC while only four years old, was not cooling the house properly. The cost was {$15000.00}. XXXX XXXXXXXX installed the AC unit but said they could not install the new duct work. Since I had paid them to install both and they were NOT priced separately, I filed a dispute with Citi Bank until the matter could be resolved with XXXX XXXX as to how much money I would be refunded for the work NOT done. The XXXX XXXX also did not cool the house properly. Citi Bank initially reversed the {$15000.00} charge on my Citi Costco Visa card but unilaterly decided to close the dispute and place the {$15000.00} charge on my Citi Costco Visa card. This was despite the fact that I had provided them copies of all the documents they requested multiple times. Further, Citi demanded minimum payments in excess of XXXX. To add insult to injury, they damaged my XXXX credit rating and charged me interest on work that was NOT completed. 

After months of negotiating with XXXX XXXX, they agreed to credit me {$11000.00} for the duct work they were unable to do. Since Citi Bank Visa forced to make payments on the charge that I had rightfully disputed, I ended up having a credit of {$2200.00}. I have repeated asked Citi Bank Visa to return the credit on my account to my bank account. I have spoken to many people at Citi Bank, all of which state that they are working on it. On XXXX XXXX and XXXX, XXXX I spoked with XXXX XXXX, XXXX, in their Legal Dept. On XX/XX/XXXX I spoke with XXXX at XXXXXXXX XXXX and XXXX at XXXXXXXX XXXX in the XXXX XXXX. There are many more I have contacted to no avail. 

Because of the totally disrespectful and dismissive way I have been treated by Citi Visa, I plan to close my Citi Costco Visa account as soon as I receive my credit refund. This is my money and they have no valid reason to keep my money, but are doing so. Yet, their excuse for over a month is that they are working on it. 

I would appreciate any help you can give me in getting MY money refunded. Thank you.
Consumer complaint received 2024-09-01
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. (IL)

I am writing to officially dispute hard inquiries that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. Details of the hard inquiry See attached documentation
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-12
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. (GA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2020-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

Water damage and have an insurance check but having trouble getting funds released. Bank is stating I am late after being in a foreberance and then into a trial modification. I have made all payments and am now in a modification of the mortgage but because Loan Care is stating I am still late - the company handling the insurance check will only release 25 % and I need 50 % so contractor can order supplies.
Consumer complaint received 2024-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (FL)

I am filing this complaint against Citibank regarding their refusal to assist me with resetting the password for my online account. I have been locked out of my account and can not access my funds. Despite multiple attempts to resolve this issue with XXXX XXXX XXXX XXXX, I have been unable to receive adequate assistance. 

I do not have a physical branch within XXXX miles of my location, making it impossible for me to visit a branch for help. I have explained this to their customer service representatives, but they have not offered a resolution that allows me to access my account remotely.
Consumer complaint received 2021-02-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (PA)

Back in XXXX I disputed an account with Transworld Systems Inc. They did not respond to that letter. They are reporting on my credit, I believe it is my right to request information. They have since added another account to my credit for seemingly no reason at all. They have never sent me any information at all, ever. This is extremely disturbing. PLEASE HELP ME! THEY SHOULD NOT BE ALLOWED TO JUST REPORT INFORMATION ABOUT SOMEONE!
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible CXXXX  XXXX Balanced {$9800.00} XXXX XXXX XXXXXXXX XXXX Balanced {$0.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-11-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Helvey & Associates, Inc., Warsaw, IN Branch (OH)

XXXX XXXX XXXX XXXX XXXX ( XXXX ) HELVEY & ASSOCIATES INC XXXX XXXX XXXX XXXX XXXX XXXX HELVEY & ASSOCIATESXXXX Dear collections Department I hope this letter finds you well. Im reaching out not to deny my responsibilities but to ask for a detailed validation of debt you've claiming under the fair debt collection practices act, specifically section 15 USC 1692g sec. 809 ( b ) this isn't about confirming my address ; I need concrete proof of my obligation to settle this debt with you. 

Could you kindly provide the following details. 
: The reason for the debt and what it's pertains to : A breakdown of how the amount was determined : Any agreements that bear my signature indicating my consent to pay the specificed amount : If there's a judgement included, a copy would be helpful : The name of the original creditor : assurance that the statute of limitations for this debt hasn't lapsed. 
: Your authorization to collect debt in my state, Including your license numbers and the name of your legal representative I must also inform you that if I discover any inaccuracies reported by your agency to the credit bureaus ( XXXX, XXXX, XXXX ) it could lead to legal repercussions for potential fraud. 

Should there be any negative remarks from your end on my credit without proper validation I'll be compelled to defend my rights, which might include legal action for violation of relevant acts and determination
Consumer complaint received 2019-12-01
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Firstsource Business Process Services, LLC (GA)

The original debt was {$140.00} which was recently satisfied. Now I have Firstsource Advantage , LLC at XXXX XXXX XXXX XXXX, XXXX, NY contacting me regarding the same debt being {$320.00} and additionally sending my personal and private financial information to the attention of someone who was not associated with the account at all. The account was opened under my business name with one owner, myself. I find this to be a violation of my private information regardless of who it is.
Consumer complaint received 2024-11-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX when I received XXXX XXXX XXXX on the same day on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. I received a bill from a debt collector named I.C System stating I owed XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX when the XXXX  care took place I am not responsible to pay this bill. I went to the XXXX XXXX XXXX XXXX to get assistance to resolve this issue. XXXX XXXX Phone # XXXX XXXX at XXXX XXXX XXXX XXXXXXXX helped me resolve this issue with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX contacted XXXX  XXXX XXXX and gave them the proper company to bill for this XXXX  bill. XXXX  XXXX XXXX proceeded to bill the correct party responsible for the bill in XXXX of XXXX. I spoke to XXXX  XXXX XXXX 4 to 5 times for updates. XXXX  XXXX XXXX told me they took my charges out of default in XXXX or beginning of XX/XX/XXXX and I had a XXXX balance and they were in the process filing a claim with the proper responsible party currently the bill is now been written off. 
XXXX  XXXX XXXX also told me they recalled the debt from the debt collector I.C. System. I spoke I.C. Systems multiple times since then. I.C. Systems is telling me that the debt has not been recalled and I still owe the balance. I.C. Systems keeps telling me they will not contact XXXX  XXXX XXXX to resolve the issue it has to be done electronically. XXXX  XXXX XXXX told me every time I've called they have recalled the debt from I.C. System. I was then transferred to I.C. System Consumer Affairs Department where they told me my debt has to be recalled again and until then I still owe the balance but they would offer me a settlement. I asked since they will not contact XXXX  XXXX XXXX to resolve this issue if there was any other way I could resolve it and they told me I can get a letter from XXXX  XXXX XXXX saying I have a XXXX balance and to send it in and they can possibly remove the debt that way. I then called XXXX  XXXX XXXX again and they transferred me to a supervisor at named XXXX who said they have recalled the debt and he would escalate the situation with the department who handles the 3rd party debt collectors and that department will send me a letter stating I have a XXXX balance which they have not sent.
Consumer complaint received 2024-10-22
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. (CA)

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 2024-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

My car was broken into and my devices were stolen with all my info in them and 36 transactions of over {$150.00} each were made totaling {$10000.00} and Wells Fargo didnt even send me a single security or confirm purchase notification, reached out to the claims team with hope that theyd do right by me being a long time customer, but no they closed and denied my claim after all the info I had given them that made it clear someone else was using my information. After they denied it, a quick XXXX search showed they had tons of other customers they had done XXXX as well and that they are by far the worst bank to do business with. I had another bank that was hit at the same time and they gave me a credit while I waited for results and then came to a decision that the funds were to be reversed in half the time as Wells Fargo, to anybody reading this, stay away from that bank.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX CREDIT XXXX # XXXX Account Name : XXXX. XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year>, I received ( 2 ) delinquencies on my credit report from USSA Federal Savings Bank in the amount of {$310.00} twice per month. One in XXXX, and one in XXXX, which I called USAA and notified them that I was in between of finding a job and doing car services to pay them that monthly fee. I notified them in the month of XXXX, but they continued to call me about the same issue in the same month and again in XXXX. When I received the money, I paid USAA off the full amount plus the late fee charges that we're added. I'm currently waiting for the credit card company to remove my delinquencies on my credit report because before I lost the job, I made all my payments on time. I bin with USAA XXXX XXXX for ( XXXX ) years now and haven't missed a payment with the other car loans I had on my account. I want to get this derogatory marks removed off my credit report because it's not allowing me to maximize my credit opportunities the way I want too.
Consumer complaint received 2024-11-10
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: Radius Global Solutions LLC (IL)

I found a number of mistakes on my credit report and I contacted Radius Global Solutions LLC directly via certified mail on XXXX ( See mail receipt attached ) This company has failed to comply with FTC regulations and refuse to fix the issue, violating my consumer rights.
Consumer complaint received 2024-11-14
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Radius Global Solutions LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Debt Collection Practices Violation by Radius Global Solutions Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint regarding a recent interaction with Radius Global Solutions , which I believe constitutes a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). This call was in regard to my XXXX XXXX account. 

On XX/XX/year>, a representative from Radius Global Solutions contacted my mother directly on her phone, stating that the call was in relation to benefits concerning myself. My mother, believing it was legitimate and related to my well-being, merged the call with me. During this call, the representative requested that I verify my Social Security number, leading to the inadvertent disclosure of personal information with my mother present.

According to the FDCPA, debt collectors are prohibited from discussing details of a consumers debt or related personal information with third parties without explicit consent. Furthermore, they may only contact third parties to obtain location information, and they must avoid misrepresenting the nature of their call. The representatives misleading statement about benefits and the request for sensitive information in the presence of my mother is a direct violation of these guidelines and has caused me distress and concern.

I respectfully request that your office investigate this incident to determine if appropriate enforcement actions can be taken against Radius Global Solutions. Additionally, I would appreciate guidance on any further actions I should take to address this violation and ensure my privacy rights are respected. 

Please feel free to reach me at XXXX or via email should you require further information or documentation regarding this complaint. 

Thank you for your attention and assistance in addressing this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A. (FL)

I was offered an introductory rate to bring XXXX into the bank in my savings account. I moved XXXX to my checking account and then moved it my savings account in the same portfolio that my accounts are all in. I bring new money into the bank to be told I would have a higher interest rate, then told I can not transfer it from my checking account to savings. All my transfers come to my checking accounts from outside banks. How else would the bank want US to bring money in as a wire? So, to me, it's false advertising, getting customers to transfer money and then denying us the promotion on technicalities. I'm a XXXX customer of the bank as well.
Consumer complaint received 2024-10-21
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-19
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. (CA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2019-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (OR)

I did an refinance last spring with XXXX  XXXX and with the refinance I received a check for XXXX $ to pay for the furnace and heat pump .I took this to Wells Fargo.A teller and was told my card was paid in full. I have a receipt for the XXXX $ .Then I started to receive billings for more money on this card.