davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
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)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and 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
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (MI)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-16
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. (LA)

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

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 has XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-09
Product: Credit 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: CITIBANK, N.A. (NJ)

Two credit cards ( both issued by Citi ) had limits reduced by 90 % or more even though I had paid those balances in full ( one card had ~ XXXX XXXXXXXX in balances and another had ~ XXXX XXXXXXXX in balance ). The limit was reduced AFTER payments were posted. This limit reduction will hurt my credit score. If I had known Citi would do this, I would have kept making minimum payments. I dont have a single missed payment in XXXX  years since Ive had opened accounts with them.
Consumer complaint received 2024-09-06
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: HYUNDAI CAPITAL AMERICA (FL)

I recently reached out to Kia Finance in an effort to correct reported late payments. I recently requested a deferred payment and noticed the company reported the payment the next month as late when it was deferred. I also found when reviewing my credit report that they have reported numerous late payments inaccurately. When I reviewed, they continued to report late payments based off of a late fee that I was unaware of that they continued to report as a missed payment. I stated to them that I was attempting to request they updated their reporting to be accurate and fair.
Consumer complaint received 2023-09-16
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. (AL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. I demand the following accounts be properly verified or removed immediately. 
The accounts & inquiries in question are listed below. 

Inaccurate Accounts : XXXX  XXXX Bankruptcy : XX/XX/XXXX - Dismissed XXXX XXXX - status derogatory XXXX XXXX - status collection/charge off XXXX XXXXXXXX XXXX XXXX status derogatory Unauthorized Inquiries : XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It has been OVER 30 days & I have not received any verification. When I call, I always get someone who does not speak clear XXXX and I am told the items have been verified. 
Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Consumer complaint received 2023-09-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Law Offices of Mitchell D. Bluhm & Associates (VA)

I received a surprise medical bill from a collection agency on behalf of a health care provider group in XX/XX/XXXX for an XXXX visit for my son in XXXX, XXXX. We had full medical coverage at the time and the hospital we went to was in network however the group providing care that day in the XXXX  was out of network. We were not informed of that at the time. Our health care provider paid the group the plan allowance amount. However years later we get this surprise bill in excess if {$1000.00}. The collection agency/law firm has also put this on my credit report now. I am disputing this charge which is excessive for the service they provided in the XXXX  in XXXX. I will also inform the credit agency about it.
Consumer complaint received 2023-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (AL)

I applied for a Citi Premier Thank You credit card on or around XX/XX/2022. 
The bonus was for XXXX points if I spent XXXX XXXX XXXX XXXX within 3 months. I met these terms. 
Agents for Citi do not deny that. However, written letters from Citi just say that I wasn't eligible for the offer with no proof. Subsequent agent confirmed with me that I haven't had the card or cancelled the card within 24 months. He escalated again with the same result - denial letter in the mail with no support. Now the newest agent is saying 48 months, which appears to be current offer language but not that of back in XXXX. It was consistently 24 months back then. Unfortunately, I'm not a psychopath who screenshots all terms and conditions in case of something like this occurring. That said, I'm a licensed attorney with no time/desire to play games. I would only sign up if eligible. I have included an image of the of offer I signed up for that was around back then. Nothing in my records indicates I had this card or cancelled the card or any other excluded credit product with Citi in the 24 months prior to card sign up.
Consumer complaint received 2023-09-16
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. (NE)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KS)

In early 2024, I filed a dispute with Experian regarding a negative mark on my credit report. They initially informed me that the account would update to a positive status by XX/XX/year>. After following up in XXXX, they revised the date to XX/XX/year>. Now, after contacting them again in XXXX, I have been told the update will not happen until XX/XX/year>. 

This constant change in the timeline is unacceptable, and Experian has failed to provide any concrete resolution despite their commitments. The negative mark is continuing to affect my credit score and financial situation. I am requesting the CFPB 's assistance in ensuring Experian follows through on their promise and either clears the negative mark immediately or provides a reliable and fixed date for resolution.
Consumer complaint received 2023-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MA)

I recently purchased XXXX XXXX XXXX XXXX from XXXX. The items were not as they were described. I provided XXXX pages of relevant information to my credit card company. Citi rejected my dispute, ( which I am in the process of appealing now ). The information the merchant provided Citi was " Per our policy we can not issue a refund as the items were in the condition as described. The customer knew the condition he was purchasing this order in. '' This is false. The listing of the item was intentionally misleading and deceptive. Citi should have been able to see that, because I provided so much relevant information. I provided pictures of the listing, my initial request for a refund through the merchant 's customer service, what I received, how much I paid, tracking information, what the cost is to replace the earmuffs, and more information, too. The answer the merchant gave to Citi is not enough to determine if I am responsible for the amount or not. It is literally two sentences without any elaboration. I sincerely hope Citi recognizes this and overrules the dispute in my favor.

The files I've attached are some information on what happened. " XXXX  '' is what I submitted to Citi for the dispute. " XXXX, XXXX, XXXX, XXXX and XXXX '' are screenshots of my dispute portal on Citi 's online banking website. 

Also, it is worth mentioning that the merchant is a BestBuy affiliated website. They sell returned and other BestBuy items. My credit card through Citi is a BestBuy card. There may be a conflict of interest there as well.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX. 
XXXX, XXXX XXXX Re : FTC ID Theft Complaint Dear Sir or Madam : This letter confirms the conversation I had with A Representative at Your Office on XX/XX/XXXX regarding the theft of my identity. 

I am notifying the FTC that my identity has been stolen and used for fraudulent purposes. 

My personal information is as follows : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Someone has used my identity to engage in the following type ( XXXX ) of fraudulent transactions : * Loans The following is a description of the identity theft incident : An anonymous person used my information XXXX time for fraud : Company or Organization : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Total Fraudulent Amount : {$600.00}
Consumer complaint received 2024-06-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (GA)

It's been a month since my account has been locked and I tried everything I can do to get my account closed and get my money back. I opened a Marcus saving account on XXXX referred by a friend. I tried to transfer XXXX dollar into it. Everything looked fine by then so I tried to transfer XXXX dollar into the account again from my original bank account. It was locked immediately. I reached out to the company as soon as possible but they keep asking me verifying myself but they claim my phone number was not able to do so. I submit a CFPB at that time, their staff contact me again and provided a solution to send me a paper version affidavit form. I complete it immediately and sent it back. It has been two weeks since I mailed them and they calimed they have received it. However, the company told me they are still processing my files. 

The company is unable to provide me any timeline of when the review process will end and is unable to let me know if they need any additional information from me. 

My only request at this time is to close this saving account and return my money back to its original payment method.
Consumer complaint received 2024-07-10
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: Harley Davidson Financial Services Inc (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

i recently reviewed a copy of my credit report. i was shocked to learn that i have been a victim of identity theft. i found numerous accounts on my credit report that were not open by me. this has been hurting me as i am in the processof buying a home for my family.please remove the feaudulent accounts from my credit report as soon as possible. 
XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (FL)

AMSHERCOLLECTIONSERVICES is violating my rights. The company is trying to collect the debt that is not owed. Also publish ed inaccurate information on my credit report. There are three different totals owed. The account was open by identity theft when I was visiting a friend who lived at that apartment complex. I sent the company a copy of the police report and a copy of electricity bill from my address in XXXX, Florida. The company does not have an original signed copy of a lease. The apartment lease started on XX/XX/XXXX. the contract states that it was signed on XX/XX/XXXX. 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 : States a consumer reporting agency can not furnish a account without my 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 crime which antedate the report by more than seven years. 15 U S.C. 1681s -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows or has responsible costs to believe that the information is inaccurate.
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I wanted to transfer a balance to my BOA credit card XXXX  using a balance transfer offer they sent me. It was for 11 months no interest with 3 % balance transfer fee. I called BOA to do the transfer and they said that if I opened a new BOA credit card XXXX, I could get 18 months no interest with 3 % balance transfer fee. I needed to make the transfer by XX/XX/XXXX. After opening XXXX, I learned that I had to wait 14 days before I could use it for bal. transfer, which would have been too late. I called BOA, but they said there was nothing they could do, so I told them I did not need the new XXXX because it was a higher interest rate than the 2 BOA credit cards I currently had. I told them to cancel XXXX, I would do the balance transfer on my XXXX. I went online and submitted my balance transfer using XXXX and checked on it a few days later. I found out that BOA canceled XXXX ( 18 % interest ) and kept open XXXX ( approx 21 % interest ). I called BOA customer service again and they heard the conversation where I said to cancel XXXX and keep open XXXX and said they would reinstate the card, so I could use it for the balance transfer before XX/XX/XXXX. It did not happen, so instead of getting 11 additional months to spread out paying for approx. {$3000.00}, I paid off the balance, but still believed that BOA was going to reinstate XXXX. I received a letter approx. XX/XX/XXXX from BOA ( dated XX/XX/XXXX ) saying " We're sorry- we can't reopen your credit card ending in XXXX. ''
Consumer complaint received 2024-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Continental Finance Company, LLC (FL)

I opened this account in XXXX  and they charged my credit card {$150.00} annual fee. I called and spoke with someone in the XXXX because they use a call center there. I spoke with the rep advised them that I was thinking about closing my account because they charged me a {$150.00} annual fee and I have other cards that dont charge me any annual fee. So he says that is associated with your account so I will go ahead and close your account. I then was like can I speak to a manager. He then hesitated and then he hung up on me. So called back spoke to XXXX and I told her what happen and she said your account is already closed and asked me if I wanted her to reopen my account. After asking for a manager but I advised her that I never gave him authorization to close my account. I asked for her to give me his name of the person I spoke with for my records. She said she cant see the previous person names that a customer spoke with. Then she said only and initial. She went to get a supervisor and I was on hold for a while and she came back and said no supervisor is available. She then said can I call back. I said shouldn't they call me back when one is available. So that way they dont keep just saying that there is no supervisor. I also asked if there was a domestic supervisor I can speak with she said I called but they didn't answer. Then I told her to make sure my account is open because I never gave authorization to close my account. She reopened the account. She did towards the end give me the rep initials that closed my account without permission XXXX. Not sure what that means.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

My Direct Deposit has not been issued. Chime is not giving any information other than they dont have access to see it or contact your employer, which I have. This now 2 days of not having my pay. I work for XXXX XXXX XXXX XXXX At this point with Chime this is fraud holding my funds Ive searched, this issue and there a lot of people in my situation and have not had it resolved.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I had credit cards with Capital One and XXXX XXXX back in XXXX  and I couldn't pay off the balance because of a job loss. The creditors had charged off on the balance owed, and they started to report the debt again every month to my credit bureau decreasing my FICO score and I couldn't get a car loan. Please see the attachments for reference. Thank you very much for your help.