davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (NY)

On XX/XX/XXXX, Goldman charged us {$140.00} of interest, claiming it was due to {$210.00} payment shortfall on a XX/XX/XXXX statement balance of {$12000.00}. The banks mobile app and statement show payments and credits of {$12000.00}. On XX/XX/XXXX, customer service representatives from informed that the charge would be reversed. Subsequently, the bank not only did not reverse the interest charge, but further charged {$190.00} interest for prior cycle unpaid balance, despite additional payments made during XXXX. When we contacted customer service again, we were told that the balances shown on the mobile application could not be relied upon and may not reconcile to monthly statements. Customer service yelled at us and hung up when we asked why not and requested the previously promised interest refund.

After stating that the balance would be reversed, the company reneged, told us that the mobile application could not be relied on, and subsequently hung up on us. We were also charged again on an inexplicable 'still outstanding ' balance.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2023-08-29
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. (CA)

On XX/XX/2023 I bought a XXXX laptop computer at the BestBuy XXXX XXXX XXXX, CA store for, prior to the promised 10 % immediate discount, {$460.00}. Salesperson " XXXX '' offered 3 payment options : 1. Pay in full. 2. Finance the purchase. 3. Sign up for a BestBuy VISA credit card and get a 10 % discount on the first purchase- which was the XX/XX/2023 purchase of the aforementioned XXXX laptop computer. 

Though I have two other VISA credit cards, the 10 % discount was attractive and I signed up for the BestBuy VISA credit card. " XXXX '' gave me the credit card approval document ( see page 4 of the attached documents ) and said that the 10 % discount would appear on the subsequent statement ( see page 2 of the attached documents ). 

As you can see from page 2 of the attached, the 10 % ( {$46.00} ) off the aforementioned purchase did not appear, and I called BestBuy credit services and was told that " XXXX '' was mistaken and I was to receive a {$40.00} off certificate for a FUTURE purchase, not what I was told. I DID subsequently receive an email offer of {$40.00} off a FUTURE purchase, with an expiration date. I was puzzled why I was misled. 

I disputed this matter, and a few days ago was told by a BestBuy credit services representative that my dispute was denied- no documented evidence that " XXXX '' told me that I would be getting an immediate 10 % off the XX/XX/23 purchase of the XXXX laptop computer. I was therefore responsible for the {$46.00} payment.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

i got letters in the mail regarding fraudulent bank of america accounts opened under my name. I contacted bank of america to report this crime of id theft and recieved claim paperwork on XXXX XXXX, 2023. I returned the documents on XX/XX/2023. I have not received any update. I contacted bank of america over the phone and they stated the department did not receive the requested documents back and have closed the claim as a result. I did send the completed fraud packets back 4 times in fax and mail. 
Claim : XXXX, XXXX, XXXX, XXXX, XXXX. I attached the FTC ID THEFT claim on here as well.
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CT)

I received my Chase Sapphire XXXX card in XX/XX/2022 and payed off {$4000.00} worth of spending in a timely manner to receive XXXX travel points, worth approximately $ XXXXThe card was not working during my study abroad time in XXXX XXXX XXXX When I returned, my card still was not working. I did not use the card frequently since it was mainly for traveling purposes, however, I called the company periodically. My card was closed and purged in XXXX with no notice. After calling the representatives, they stated there is no set time for how often a card needs to be used before they can purge it. They are allowed to take my credit card and points away for no reason and no notice if they desired to. It is astonishing that such a large company is allowed to function this way. They were able to reap the benefits of having another user while not needing to give the bonus since they can close an account for no reason as the usage needed to keep an account active is not found in their user agreement. My card was opened and used and in less than a year it was close. This is a very normal timeline for credit cards and a different practice should be clearly conveyed to the users.
Consumer complaint received 2023-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

On XX/XX/XXXX I logged into my Pennymac account and processed my monthly payment. 
After a few days, I noticed that the payment had not cleared my account. On XX/XX/XXXX I called Pennymac and left a voicemail and my call was never returned. 
On XX/XX/XXXX I called and spoke to XXXX ( ext XXXX ) and explained that my payment from XX/XX/XXXX was not processed and that everytime that I logged in, their website showed " payment processing '' and that no additional action or payment could be made. 

After a long hold time of over an hour, the rep came back on the line and said that the payment was a scheduled payment of two payments ( the current due payment and a future payment ) and they were scheduled for XX/XX/XXXX. 

Pennymac manually processed my payment on XX/XX/XXXX and called it a partial payment, which it was not. 

I explained to XXXX that this was an error on the Pennymac website and that I had properly processed my monthly payment and that their website had made the error/mistake. 

Pennymac called a few days later and said that they were not responsible for the error. 

This simply is untrue. The XX/XX/XXXX payment was made on time. 
Pennymac reported me as over 30 days late to all three credit bureaus- XXXX XXXX , XXXX and XXXX . 

I want the negative reporting removed from my credit report and I want any associated fees refunded for the error.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX XXXX The inquiry was not authorized XXXX XXXXXXXX The inquiry was not authorized XXXX XXXX Also remove the City of XXXX, Indiana from my job history. I do not work there currently anymore
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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

U.S. DEPARTMENT OF EDUCATION : XXXX, U.S. DEPARTMENT OF EDUCATION : XXXX, U.S. DEPARTMENT OF EDUCATION : XXXX, U.S. DEPARTMENT OF EDUCATION : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, has violated my rights. 

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. 16815-2 ( AN1 ) 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 2024-05-24
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. (IA)

I am expressing my profound disappointment and frustration regarding the handling of my repeated attempts to remove fraudulent items from my credit file. Despite numerous efforts on my part and the provision of extensive evidence, the response from your company continues to be inadequate. This leaves me deeply concerned about the integrity of your processes and the impact on my financial well-being. Despite providing comprehensive documentation and evidence clearly demonstrating the fraudulent nature of the items in question, the responses I have received thus far have been unsatisfactory and have failed to provide any indication of progress toward resolution. This ongoing lack of accountability and transparency has left me feeling helpless and disillusioned with your company 's ability to handle this matter effectively. I am requesting a thorough and expedited review of my case, with a firm commitment to prioritizing its resolution. Specifically, I request the immediate removal of all fraudulent items from my credit file and confirmation of their deletion. I also ask for transparent and regular updates on the progress made towards resolving this matter, including specific timelines for action. The fraudulent items in my credit file that need to be removed are as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$480.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Owed XXXX {$480.00} XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00}. Failure to address this complaint promptly and effectively will leave me with no choice but to escalate this matter to the relevant regulatory authorities and seek legal recourse to protect my rights and interests.
Consumer complaint received 2024-05-24
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)

On XX/XX/year> I Recieved Notice of An Inquiry On My Consumer Report From XXXX XXXX XXXX XXXX, In Which I Did Not Authorize The Furnishment Of My Information. As The Consumer / Creditor / Natural Person It Is Unlawful To Furnish Information Of The Creditor If They Believe It To Be Inaccurate According To " 15 usc 1681s - 2 ''.
Consumer complaint received 2024-07-05
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. (TX)

In accordance with the Fair Credit Reporting Act the following creditors have 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX
Consumer complaint received 2024-07-05
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: EQUIFAX, INC. (NY)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma (CA)

Hello, I hope youre doing well. I have an existing Credit Karma Spend and Savings account. Credit Karma always tries to push the Credit Karma Credit Builder on their customers. I received an email from Credit Karma Credit Builder that, I had a line of credit of {$1000.00} to use. They would take {$10.00} up to {$80.00} to pay towards any of the {$1000.00} credit I used. I didnt like how the Credit Karma BuildeXXXX account was set up or how it worked. I called their customer service department several times to understand how I thought the program worked.. I needed this to make since as to how having this account would be beneficial to me. I could never get a concrete explanation that made me feel comfortable as a consumer. So, I verbally cancelled this Credit Karma Builder account on XX/XX/XXXX. I then followed up with an email to the Credit Karma Credit Builder customer Service Department. I just noticed on my XXXX, XXXX and XXXX credit reports that Credit Karma reported my account as a charge off. This is a false statement. I closed the account. They didnt close my account. After closing the account, I was just reimbursed the {$10.00} on XX/XX/XXXX that was set to be sent back to me 7 days after closing the account. The fee from this account took longer to be reimbursed back to me. Please delete the false account indicating I defaulted. This isnt true. I have the proof to support my concerns. I wasnt in default. They didnt close this account. I did. I have sent you the proof.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I'm aware that FCRA 605B mandates the removal of any incorrect accounts from my credit report. This account is inaccurately listed on my credit file, so please remove it. I am entitled to {$1000.00} for each incorrect reporting on my credit file.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (OH)

I disputed this Caine & Weiner account number XXXX on XX/XX/ The credit report of ( Credit Reporting Company ) shows these items were deleted from my credit file, Now these items have been reinserted on my credit report. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA S 611, Procedure in case of disputed accuracy ( 15 U.S.C. 16811 ], Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuantto subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( a ), consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinserted date. ( I ) a statement that the disputed information has been reinserted ( 11 ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy-or completeness of the disouted information. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action Your agency may avoid such action by immediately deleting this listing from my credit report
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the XXXX timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611 15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 15 U.S.C. 6802, and the Privacy Act of 1974. This company is also violating Metro 2 Compliance guidelines. This is FRUAD AND IDENTITY THEFT. It saddens me to know that this company has complete control over my livelihood by sharing private personal information that is incorrect or invalid and AGAINST MY WILL. Their power is going completely unchecked, even with the laws in place that are supposed to protect my consumer and civil rights. I will be taking this company to arbitration if the following addresses are not removed immediately
Consumer complaint received 2024-07-05
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: EQUIFAX, INC. (NV)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC (TX)

This debt collector engaged in abusive, non-verified, deceptive and unfair practices of the FDCPA which it prohibits. I sent the attached documentation for validation on XX/XX/XXXX, ATG Credit received my certified mail on XX/XX/XXXX, I have the return receipt as proof. 

They furnished this account that we did not agree upon, nor did I sign any agreement. A legal contract signed is by two parties, and I did not participate in any of this. More so they didn't follow the proper 5 step validation procedure which makes this unfair practice. According to the FDCPA, I'm entitled to {$1000.00} per violation and they have clearly violated.