davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
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: CCS Financial Services, Inc. (VA)

This account stemmed from an auto policy I had with XXXX. I am still a customer with XXXX for a homeowners insurance policy. I tried repeatedly reaching out to the insurance company to get this paid PRIOR to it being placed with a collections agency but none of the agents were able to assist me as they were only able to locate my homeowners insurance policy. I was not notified by the collections agency at all as I didnt receive anything from the collection in the mail. Ive disputed this account with the agency twice, the first time they said the account was not paid and updated it to reflect that the account was disputed by the consumer. The second time I disputed it I provided receipts. Now the collections agency is saying they will not remove it and will just show its been paid in full. I didnt even know who CCS was until I pulled my credit report. They never notified me before placing this on my credit report. I would like this thoroughly investigated. Its not fair for a {$140.00} debt to stay on my credit report for years when I have been trying to get this resolved before it even went to collections. Based on customer reviews of this CCS collection agency, this seems to be a common problem with their practice so Im filing a formal complain through CFPB
Consumer complaint received 2024-06-25
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. (RI)

Account Number : XXXX Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a late payment reported on XX/XX/year>, for my XXXX XXXX XXXX installment loan account. 

I want you to know that I understand my financial obligations, and if it werent for being XXXX  in the USA, facing a language barrier, and experiencing financial difficulties as a student, Id have an excellent repayment record. I made a mistake in falling behind, but since then, Ive improved my money management and have had a spotless record of on-time payments. 

Im planning to apply for a car loan, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and remove the XXXXXXXX XXXX XXXX installment loan account from my report. 

Thank you for your consideration, and I hope youll approve my request.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (MS)

I need to re-document and refile this grumbling to LVNV FUNDING LLC. I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated.

My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Consumer complaint received 2024-06-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

I signed up for a new Coinbase account, the system opened the account, and when I tried to link my bank account, I received an error message stating I could not add a bank account. I requested a call from COINBASE, and after 2 hours on the phone with the agent, I was told the problem was being looked into and to expect an email saying the problem was resolved so I could add my bank account and start using the service. After several more hours, I received the email saying I was no longer eligible to use Coinbase, but no explanation as to why.
Consumer complaint received 2024-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (CA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Flagstar Bank for their failure to fulfill their obligation to pay our property tax on time and the subsequent financial burden they have imposed on my family. 

In XX/XX/year>, Flagstar Bank was responsible for paying our property tax to XXXX County, with the understanding that we would reimburse them immediately. However, the bank failed to deliver the check in a timely manner. After a thorough investigation, we have obtained proof that the parcel number XXXX : XXXX, sent on XX/XX/XXXX, was never delivered to the XXXX County tax office, according to their logbook. 

Meanwhile, we fulfilled our end of the agreement and sent the amount owed to the bank on XX/XX/year>. Despite our timely payment, the bank 's error led to the County not receiving the funds. Consequently, we believed our account was up to date, while the bank held onto our money without paying the County or raising any concerns. 

On XX/XX/XXXX, four days after the payment cutoff, the County sent a letter to the Bank requesting the property tax payment with an additional penalty. The bank paid the tax and penalty on XX/XX/year>, and subsequently charged us numerous fees, including the extra amount paid to the County. 

Since XXXX, we have attempted to resolve this matter amicably with the bank, emphasizing that we met our obligations and the bank 's negligence caused delays, penalties, and back-to-back fees. However, the bank 's escalation managers, including their highest-level office, have continuously ignored our efforts to address the issue. 

In our quest for resolution, we contacted XXXX and created case XXXX to ascertain the status of the initial check sent on XX/XX/year>, as bank escalation managers accused the XXXX County tax office of making a mistake. XXXX XXXX at the XXXX County tax office ( XXXX ) can confirm that they never received the check, as per their logbook. Unfortunately, XXXX can not provide further information, as they require details such as the invoice number or a copy of the label, which only the bank can provide. 

As long-standing customers of 11 years with an impeccable track record of timely payments, we are dismayed by the bank 's conduct. Flagstar Bank has exploited its position to intimidate, harass, and discredit us by reporting us as delinquent customers to credit bureaus.
Consumer complaint received 2024-06-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Instarem PTE Limited (NH)

I wanted to transfer money to XXXX via Instarem. I was asked to do a wire transfer from my bank. I immediately did and the transfer was processed. But Instarem sent me a message that XXXX is cancelled due to non-payment. This is a very insensitive, callous, irresponsible way of handling such a big amount of a customer. You can send me email or call asking for information. Before transferring I asked questions, that you are giving me a vague account information to transfer you money. The service rep mentioned it is fine to transfer. 

Instarem should be penalized for such act. This is utter highhandedness for someone whom we are entrusting to handle our money.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX 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 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 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 2024-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

On XX/XX/year> ( dont have exact date ), Citibank decided to close my account for no reason. I have been banking with them for years and never had a problem. I went to a branch and even the manager thought it was weird and he tried to help me get my account reinstated but inner company team or something said nothing and never gave me a reason.
Consumer complaint received 2024-06-17
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Collection Management. Inc (IN)

I just received notice about the attempt to collect a debt from a third-party company ( Consumer Collection Management , Inc. ) on behalf of my former apartment community. I never received notice from the community that any money was owed, and therefore dispute this collection attempt. I left my forwarding address with the former apartment community management upon moving out and have not gotten any communication regarding the supposed balance owed. Upon move-out, I was told the apartment was in excellent condition, no photos were taken, and no balance owed.
Consumer complaint received 2024-06-25
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. (FL)

Hi hope all is well I recently checked my credit report and I notice that there were some unauthorized accounts and inquires on my credit report that I didnt authorize under the FCRA its against the law to report and inaccurate information on a consumer credit report please remove all the accounts that i didnt authorized on my credit report immediately thanks Unauthorized accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE UNAUTHORIZED ACCOUNTS IMMEDIATELY THANKS! 



15 U.S. Code 1681 Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

I am writing to formally request the reason for the closure of my Best Buy Citibank credit card account associated with [ XXX-XXXX-XXXX- XXXX ]. This decision is motivated by a series of concerning incidents and unresolved issues that have severely impacted my trust and confidence in CITI Bank 's services. 

On [ XX/XX/year> ], I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding several issues I encountered with my account. Subsequently, I received a call from a representative that did not adequately address my concerns and demonstrated a lack of professionalism and empathy. 

Furthermore, I have experienced ongoing problems with my account, including : Incorrect Over-limit Charges : My account repeatedly went over the limit due to recurring interest charges, despite no new transactions. This was exacerbated by an incorrect payment processing issue when I attempted to rectify the situation with a {$1000.00} payment. 

Unresolved Payment Issues : Despite multiple attempts to cancel a payment and numerous calls to Citibank, the incorrect payment amount was processed. This led to further complications, including the closure of my bank account for alleged fraud, which Citibank attributed to erroneous information regarding my credit score from XXXX. 

Retaliatory Account Closure : Following my complaint to the CFPB and the unresolved issues with my account, I was informed by CITI Bank representatives that canceling a specific payment could result in account closure and affect my credit. Despite multiple requests to cancel this payment, I was unable to do so. This threat was carried out, resulting in the closure of my account, which has had significant adverse effects on my financial stability. 

These issues not only caused financial inconvenience but also led to the unwarranted closure of my bank account, which has had significant implications on my financial affairs. 

I would like to bring to your attention that according to the rules and regulations governing credit card issuers, including but not limited to those set forth by the Consumer Financial Protection Bureau ( CFPB ), customers are entitled to fair and transparent treatment, accurate billing, and timely resolution of disputes. The actions taken by Citibank in my case have not adhered to these standards.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (IL)

I get paid weekly and this bank offer first a service that allows you to get paid up to two days early. My account was negative and they closed it even though though I get paid weekly. They took my direct deposit close my account and sent me the remainder. They also offer a service that allows customer to use up to {$250.00} into the negative which I use. I have also attached my statement that shows you I was charged off. They took my last direct deposit and sent me the remaining balance, which seems criminal.
Consumer complaint received 2024-06-25
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. (MD)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( 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 TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Dear Sir or Madam, I am a victim of identity theft and I am writing to you because certain information in my file resulting from the crime has reappeared on my credit report and Equifax refuses to address the matter promptly. 
The items I am disputing do not relate to any transactions I have made or authorized. Please have Equifax remove this information at the earliest possible time. The fraudulent account appearing on my credit report is XXXX  and the fraudulent inquiries are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

XXXX and XXXX removed the fraudulent above information but Equifax had them reappear. This has been a well-established case of Identity theft and a crime. Negligence from Equifax is costing me more than money, It is costing me my emotional and mental well-being. Equifax violates section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and section 605B of the Fair Credit Reporting Act,15 U.S.C . 1681c-2. 
Please have Equifax comply with the law, and remove/block this fraudulent information from my credit file. 

I have attached the Police Report, my credit reports ( With the Fraudulent information highlighted in yellow on the Equifax Report ), and proof of my identity to this inquiry. 

Please do not hesitate to ask me for any additional information that could be of use to you. 




Sincerely yours, XXXX XXXX XXXX
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. (PA)

My account with XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

XXXX XXXX XXXX contacted me via telephone circa XX/XX/year> stating that they will advertise my timeshare so that funds can be generated when it is not in use. The advertisement was supposed to be for corporations and/or individuals needing lodging. The website used for advertisements is non-existent. Offers are sent for dates when the timeshare is not available. I requested a refund from my bank, and the request was not honored.
Consumer complaint received 2024-06-17
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: Kikoff Inc. (MI)

I wasnt given a full disclosure on Kickoff on how they do business.

I wasnt informed that the money that I was paying into this service was only available to spend on line at their Kickoff online store. I was not made aware that I couldnt use the money anyplace else.

Once I was made aware of this I called and explained that not what I was not aware of. I told them that I wanted to close my account.

They threatened that they would report it to the credit bureau as a negative closure of account.