davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
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. (FL)

XXXX XXXX XXXX XXXX Servicers Not Performed after XXXX Months and No Documentation or Explanation... They Just Took My XXXX 



The Florida Bill Of Rights Clearly Requires Transparency : Summary of the Florida Patients Bill of Rights and Responsibilities Per Florida Statute 381.026, Florida law requires : -- -- -- -- -10. A patient has the right to receive, upon request, prior to treatment, a reasonable estimate of charges for medical care.

11. A patient has the right to receive a copy of a reasonably clear and understandable, itemized bill and, upon request, to have the charges explained. -- -- -- -- ---
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

According to FCRA 605B, we are required to eliminate any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2023-09-27
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. (MA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 XXXX XXXX
Consumer complaint received 2024-04-25
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: EQUIFAX, INC. (IL)

I always pay on time ; I am sure of this. However, what I am not sure about is why this company is reporting me as late in certain months, which should not occur. According to USC 1666b, any billing error should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-04-25
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. (NJ)

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This company has failed to acknowledge my account being paid in full as of XX/XX/XXXX. There was a garnishment for the total amount of {$16000.00}, issued for the loan in XX/XX/XXXX with payments starting on XX/XX/XXXX to my employer group. On XX/XX/XXXX, the final payment of {$200.00} was made to satisfy the stated amount provided to my employer group and on court docs. I received a release letter from my employer, who sent to XXXX XXXX on XX/XX/XXXX. My Transunion credit report shows I owe the amount of {$1000.00} with a high balance of {$16000.00}. This balance owed is incorrect. The report also shows a term of 74 months versus the original contract of 72 months. The term info is incorrect. Additionally, it states my last payment was XX/XX/XXXX, which is inaccurate as well. My last payment was XX/XX/XXXX for the loan amount. I called in XX/XX/XXXX to XXXX, XXXX, XXXX, XXXX XXXX  XXXX at XXXX and was transferred to XXXX XXXX, Paralegal for the law office representing XXXX XXXX in reference to the balance owed. XXXX advised me my loan balance was paid in full and emailed me on XXXX confirming the principal balance was satisfied in XX/XX/XXXX. He also sent me a pdf file showing what my total balance owed was from the legal docs. The balance of {$1000.00} is not the correct amount for the loan in which is being reported. The docs show a breakdown of the principal {$13000.00}, {$1000.00} interest, {$1400.00} attorney fees, {$310.00} fees and {$160.00} in late fees, totalling in {$16000.00}. This loan has been paid off full plus some.
Consumer complaint received 2024-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$770.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$350.00} XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-29
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. (GA)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
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 2023-11-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SANTANDER HOLDINGS USA, INC. (MA)

Requested forbearance XX/XX/XXXX. Requested loan remodification XX/XX/XXXX. Requested reevaluation of loan remodifcation XX/XX/XXXXXXXX  service provider failed to respond. XX/XX/XXXXXXXX  submitted HAF application service provider failed to respond to HAF by the deadline of XX/XX/XXXX.
Consumer complaint received 2023-12-29
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. (TX)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-03
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. (MI)

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. I have sent to all 3 credit bureaus with no response and removal of these fraudulent accounts
Consumer complaint received 2024-05-16
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. (PA)

My name is XXXX XXXX XXXX, and this is not a third party filing this complaint. After reviewing my consumer report I have notice several instances and fraudulent inquiries. I respectfully ask if this items can be removed because they are either inaccurate and or fraudulent. Thank you.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Equifax XXXX XXXX are reporting my credit card utilization which the law say it is illegal to report transaction history 15 U.S.C 1681a ( 2 ) Exclusions. I did not give them any written consent verbal or nonverbal authorization to add anything to my consumer report which is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 stat.146 ) I also have accounts on my credit report that are " Charge Off 's '' & is considered a Certificate Of Indebtedness which means its income & can not be reported to my credit report & needs to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are Charge Offs which need 's to be removed. XXXX Equifax XXXX have inquiries I need removed from my report that I do not have open accounts 15 USC 1681b Permissible Purposes Of Consumer Report. I also need all late payments to be updated to paid on time 15 USC 1966b Timing Of Payments. I also need all credit bureau 's to assure maximum accuracy of information on my report15 USC 1681e ( b ) Compliance Procedures Accuracy of report because the information do not match not even my credit score everything needs to match which is violating section 1681b Permissible Purposes & 1681c Requirments Relating To Information Contained In Consumer Reports also 15 USC 1681c ( a ) ( 5 ) states except as authorized under subsection ( b ) no consumer reporting agency may make any report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years which they have five records that are more than seven years old on my report that needs to be removed & these accounts is an adverse item they are reporting again without my permission which is against the law 15 USC 1681s -2 ( A ) ( 1 ). they also violating the Privacy Act of 1974
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After having my credit checked by XXXX the following morning I received over 40 phone calls within 1.5 hours from mortgage brokers. I did not consent to the big 3 credit firms distributing my personal information. Access to speak to them is extremely difficult and I have tried several phone number and automated systems will not support me. Why are the major credit firms allowed to share information about me without my consent.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Credit reporting agency violations : Nonpublic private information has been reported without my permission ( Proper validation of account not done ). Was told by customer service agent that all that was done was " We contacted furnisher and they said it was validated '' Nothing else was done to validate as correct ( Admittance to no investigation done, Furnisher also did not let them know that account is in DISPUTE and not notated on credit file ) 15 USC 1681i 15 USC 1681a ( d ) ( 2 ) ( i ), ( e ), ( f ), ( k ) ( iv ) ( 1 ) 15 USC 1681b ( a ) ( 3 ) ( F ) ( ii ), ( c ) ( 1 ) ( A ) ( B ) ( 2 ) ( c ), ( e ) ( 1 ) ( 2 ), ( f ) ( 1 ) ( 2 ) 15 USC 1681c-2 15 USC 1681e 5 USC 552a ( b ) 16 CFR part 313 17 CFR 248.7 26 USC 7213 Associated accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I have asked Experian to correct my public record showing XXXX  XXXX which was filed XX/XX/2023 and XXXX XX/XX/2023. Credit report is constantly reporting bad debt and late payments despite the law of bankruptcy and filing. My rights to restart or stop negative reporting have been violated. I sent in several disputes.
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2020, I mistakenly made a {$62000.00} online payment toward my business CC with Bank of America ( BOA ). What I intended to pay was {$6200.00}. On XX/XX/2020 I realized the mistake, called BOA right away to request that they cancel or return the payment. I was told that since the payment was still pending I should call the bank ( XXXX ) from which the funds were going to be withdrawn. I called XXXX immediately and they also said they could not do anything from their end and I needed to call back BOA to have them return the funds. I called on XX/XX/2020 and spoke to a lady who told me that they would have to send a check and that she was obligated to inform me that this could take up to 30 business days. I was astonished but suspected that I did not get the right information. So I called back the next day and spoke to XXXX who informed me that the request to have the money returned was in progress but the amount was incorrect. She asked me if I had given permission to withhold enough money to pay off the CC balance and I said absolutely not. XXXX proceeded to confirm with a representative ( XXXX  ) from XXXX that the {$62000.00} had been withdrawn from my account and XXXX confirmed this. XXXX then made arrangements to have {$55000.00} wired to my XXXX account and informed me that it would take 24 to 48 hours for the money to be in my XXXX account. Preoccupied with trying to keep my business going during these extremely difficult times I was satisfied that this was in progress and that I would soon get the balance minus the {$6200.00} that I had intended to pay initially. This morning, Friday, XX/XX/XXXX the first thing I did was to check with XXXX. There was no record that there was an incoming wire from BOA. I called BOA immediately and spoke with XXXX who calmly told me that the wire was on hold because it had to go through several layers of approval. At this point, I was so irate that BOA was sitting on such a significant amount of money and they were taking their time to return this to me. I asked to speak with a manager because I could not believe the gall/nerve that they would take their time returning this money. I spoke with XXXX XXXX and he was no better. He gave me their reasons for the delay and essentially showed a total indifference when I told him that I depended on these funds to keep my veterinary clinic open. He was relentless telling me about the procedures in place that prevented BOA from expediting the refund. I have no words to describe how incensed I am that a bank can be so rigid at a time like this, and also have such little regard for a long-standing client who holds three CCs  with this bank. This, in a few words, is no different than robbery!
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (GA)

My JPMorgan chase card statements paper statements stopped delivery to my new home address. When notified by chase via email that my account was past due to paid the entire bill off in full. Chase also removed all late fees and interest fees. However they are still reporting past due on my credit report.
Consumer complaint received 2023-11-03
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: DISCOVER BANK (TX)

Thursday XX/XX/XXXX, the company took the payment. After waiting for almost 2-3 months, I never received my service nor help from the institution therefore I thought paying upfront would change things. After trying to contact them, I haven't gotten any assistance. The whole thing felt like a scam so I decided it would be best to dispute the institution and apply somewhere else. Once I got the confirmation about the dispute going through, I then went ahead and applied to a different institution. This then effected my credit score from XXXX 's to XXXX 's. A month later, l all of a sudden now received a chargeback into my account. Ruining my credit score 2x than what it already did
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2024-04-25
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. (FL)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
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 2023-12-29
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. (CT)

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. 

Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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. 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 2023-12-29
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)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request.
Consumer complaint received 2023-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

Payment 1 Confirmation # : XXXX Amount : {$1000.00} Scheduled for : XX/XX/2023 Payment 2 Confirmation # : XXXX Amount : {$1000.00} Scheduled for : XX/XX/2023 Payment 3 Confirmation # : XXXX Amount : {$1000.00} Scheduled for : XX/XX/2023 These 3 payments I made on Edfinancial, but none of them applied to my account. Those do not even show up on my account on the website. I tried to contact the customer service on phone, but the wait-time was longer than 6 hours ( 400mn+ ). I did place a call-back number, but they have not called back yet. This leave me frustrated. For the records, all payments are already deducted from my bank account, and I confirmed with the bank 's customer service.