davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (LA)

I ask them for this specifically XXXX XXXX XXXX XXXX XXXX, la XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX : You are reporting and publishing inaccurate and incomplete information collections in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out of pocket costs and loss opportunities. The following account information you are publishing about me is inaccurate and incomplete. Please exercise your due diligence and verify the information is 100 % complete, accurate, true, timely and also complies with all XXXX FCRA guidelines on reporting data to a credit report. 
XXXX XXXX : XXXX The Date of Last activity is inconsistently reported across the XXXX agencies. 
The account is listed as open, yet it is not an open account. 
The payment history is reporting inconsistent status of XXXX, XXXX, XXXX & 120 day late on dierent months. 
XXXX are not able to verify the accuracy and completeness of the information, I request that you delete the above-listed tradeline / collection account and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. 
If you conclude that the tradeline item is verified, I request details of your method of verification. For identification purposes, my social security # is XXXX and date of birth is XX/XX/XXXX I enclose a copy of my as proof of identity and mailing address. In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the relevant information, investigated the data, and reinvestigated it due to my current dispute. 
Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. 
Your prompt attention to this important matter is requested in compliance with federal law.
Consumer complaint received 2024-06-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XXXX my card was declined. I called USAA and spoke with a representative and they said there was attempted fraud on the account but they blocked the fraud. I worked with the agent and we removed old emails, set up a new online password and everything else needed to ensure the account was secured. He told me my account was frozen but in would be open in a couple of days. On XXXX I received another security alert and called USAA back to check on the alert. I was informed my accounts where all frozen and that USAA had decided to stop doing business with me. I have no access to my money to pay my bills, buy food, or anything else.
Consumer complaint received 2023-05-10
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. (NY)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XX/XX/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 XX/XX/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
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (OK)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-06-09
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: CITIBANK, N.A. (PA)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated XXXX  XXXX XXXX formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.
Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2023-06-20
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. (TX)

On XXXX XXXX XXXX I requested each credit bureau investigate the accuracy of the account XXXX Money which was reporting negative on my credit report. XXXX replied that this information was verified as accurate however upon reaching out to XXXX Money they stated they never received a dispute and had they received the dispute they would of sent back verification that the account was never late and paid as agreed. There has not been an update on my XXXX money account since XX/XX/XXXX  so that means the credit bureau did not thoroughly investigate this account.
Consumer complaint received 2023-07-06
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: EQUIFAX, INC. (SC)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (PA)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated XXXX  XXXX XXXX formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.
Consumer complaint received 2024-06-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (SC)

They call me daily, including on weekends, anywhere from morning hours to evening hours multiple times a day. The screen there calls and/or use multiple different numbers to bypass auto spam filters. They do this by using local area codes. 

They have continued doing this after i had requested that this specific company stop contacting me multiple times a day, every day. They call when. I am at work constantly to which I also explained to them I could not discuss personal financial matters during g the hours of XXXX EST to XXXX EST.This did not stop them. I was threatened by them multiple times and am continually harassed by them.
Consumer complaint received 2024-06-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (MI)

I am filing a complaint against XXXX AFFIRM  for their lack of responsiveness and assistance regarding a refund request I made under their extenuating circumstances policy. 

On XXXX XX/XX/2024 my flight ( XXXX ) was canceled XXXX hours prior to departure due to a power outage in the state of my connecting flight. The next available flight offered by the airline was scheduled XXXX days after my original departure date. This delay resulted in the cancellation of my entire trip ( XXXX XX/XX/2024 ), as it was not feasible to reschedule all the arrangements at such short notice. 

In an attempt to salvage my travel plans, I looked for alternative flights, as the only other available flights for that day could only accommodate XXXX person, not XXXX, but the cost was nearly double the price of my original tickets, which was financially burdensome. And the total travel time resulted in XXXX to XXXX hours, which is difficult for me and my husband as he is a XXXX Veteran, and I am XXXX as well. 

Given these circumstances, I contacted XXXX XXXX XXXXXXXX XXXX ( XXXX ) to request a refund for my booking. However, despite m ultiple attempts to reach out to their customer service, I have not received a clear response on whether I qualify for a refund under their extenuating circumstances policy. 

I believe that XXXX 's lack of communication and assistance during this stressful time is unacceptable and contrary to the standards of service that consumers should expect. 

I also disputed this issue with AFFIRM who failed to properly process this dispute. 

I kindly request the Consumer Financial Protection Bureau to look into this matter and assist me in resolving this issue. I am hopeful that with your intervention, XXXX/ AFFIRM will expedite the processing of my refund request. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MO)

This is all started in late XXXX. I found out that my XXXX XXXX credit card ( Citi Crad ) had fraud charges and I reported them immediately. All fraud charges were disputed and approved to be credited back to me. Then the account was closed. Late XXXX I was cleaning the apps on my phone and I was deleting the Citi Bank app since I no longer had that credit card. I found that the account is still open and had a big balance. I called again and disputed the charges and were approved and I was told it will be closed right away. Even my contact information on the account ( name, address, phone number, and email ) were not correct. They belonged to people in Florida. Because of this my XXXX XXXX dropped from almost XXXX to below XXXX. I kept calling Citi Bank for months regarding that. They kept saying that all fraud charges were accredited back to me and the balance should be XXXX but they didn't know why it's not. Every time they promised they will resolve it but nothing. I filed a police report with XXXXXXXX XXXX XXXX XXXX and the report number is XXXX. 

Last week when I tried to get a loan I was told that there is another credit card ( Wayfair ) which is also managed by Citi Bank. I didn't know about that account. I called Citi Bank and reported the fraud account. Somebody in Florida opened the account using my SSN with their name and address. I never received bills and communications since they were not sent to my address. That credit card had a {$3500.00} limit but it was charged more than {$14000.00} I am not sure how is that even possible. 

I am in continuous communication with Citi Bank to resolve these issues. 

The XXXX XXXX XXXX XXXX secured credit line- {$20.00} I wasn't aware of and I will call and investigate.
Consumer complaint received 2024-06-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CL Holdings LLC (NC)

15USC1692C ( C ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.
Consumer complaint received 2023-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (SC)

An account was open with this company called XXXX that I do not have any knowledge of or know of using my personal information and I have been trying to reach out to this company over the past 2 years through email as well as phone calls to have this account removed from my credit profile.This account has really made my life very difficult because it is created a hardship for me not being able to purchase a home for my family. The company has not try to respond to me concerning the matter so that this issue can be resolve.
Consumer complaint received 2024-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NJ)

Back in XX/XX/year>, I deposited my tax return checks, a few days after the checks were cleared, Citibank decided to close my account. They kept avoiding me and giving me false hopes without explaining to me what Can I do to get my account unlocked. I called everyday for weeks asking what were the solutions to the issue and I kept doing everything they asked for and nothing happened, I went to the branch in person and brought all documents proving the check and the account belonged to me, they refused to help me and treated me very poorly. They were avoiding me and doing the least to help me. I did everything they asked me for. Its been almost 4 months and I have not received or hear anything. Citibank closed my account and keep sending me statements stating I have 0 dollars in my account which is incorrect. Please help me
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

on XX/XX/2024, I went in local branch to withdraw funds to pay rent, then I was advised " account frozen '' banker called and was given a number for me to call. I called and wasn't given any information, after visiting another branch same treatment. I have visited numerous branches ' and to this date, I still don't know why account frozen. Then on XX/XX/2024 Chase withdrew {$1400.00} stating " ACH Settlement Return '' I do not know what this is. I was advised that Chase can not use my Social Security funds to settle any type of debt!!!! That's what was in my checking account. Thank you for your consideration and I await your response.
Consumer complaint received 2024-06-09
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (AL)

This is the second time I have ever had issues with my US Bank credit card being declined. The first time was when I disputed a charge where XXXX went into my bank account and took money from me AFTER I had returned an item in perfect condition. 
There is a clear pattern - US Bank " punishes '' people who start disputes against companies by then blocking the use of their credit card.

I just filed a payment dispute with US bank regarding XXXX - so of course now my credit card has stopped working and when I use it it gets declined and says " suspected fraud '' - which is just delightful when that's yelled out at the cashier 's counter!

The first decline happened a couple of days ago - but of course US bank lied to me and said they didn't do anything. Although I received an email from the company whose payment was denied stating my credit card denied the payment.

US Bank refused to take any accountability with the issue, and the issue was NEVER resolved. So I don't have protection on my computer right now because of US Bank. Thanks so much! 
Today, my credit card was declined AGAIN because US bank has put a block on my account that they are denying they put out of retaliation. 
I tried to pay at the check out counter and the cashier yelled out there's a fraud alert. 
He turned his computer around and let me see where it CLEARLY said " attempted fraud ''. I tried the card again - same exact thing - attempted fraud.

I then try a different card - mind you this is still the same transaction it had not been canceled and re-rung- magically that card went through with no issue.

I came home and furiously called US Bank - in today 's society - I could have been XXXX XXXX XXXX because of that XXXX XXXX XXXX Bank has put on my card. 
What if the police were called? What if a XXXX  decided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
You are literally, and intentionally, putting people 's lives in danger and it will be documented! 
There are real repercussion when you flag a F***ing Account as FRAUD, US BANK !!! 
The US Bank employee lied to me again- and they said oh it was the card readers fault- no it wasn't. The card reader worked fine when I used the other card. 
This is more XXXX  lies from US Bank employees. 
I am contacting ever XXXX government org that oversees you. 
You are not going to embarrass me and put my life at risk as retaliation because I'm making you do extra work by reversing a charge.
Consumer complaint received 2023-11-23
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. (NV)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2024-06-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.T.R. Financial Services, Inc. (NY)

Hello. I received services from XXXX XXXX XXXX  XXXX  on XX/XX/XXXX. An invoice was received for this service dated XX/XX/XXXX from XXXX XXXX. I paid amount due of {$37.00} as per invoice sent on XXXX 
RTR Financial Services Inc started sending me debt collection notices in the beginning of XXXX. I responded them that this bill has been paid on XX/XX/XXXX. Besides sending copy of invoice received from XXXX XXXX for this service and payment details, RTR Financial Service is still harassing me to pay this amount again. I received another notice from RTR Financial Services dated XX/XX/XXXX stating that if payment was not received further collection efforts may be taken to collect this debt. 
This harassment needs to be stopped. 

I have attached the copy of payment made on XX/XX/XXXX with {$0.00} balance due. 

Thanks. 
XXXX XXXX