davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
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. (FL)

I submitted a letter to the XXXX Credit Bureaus to update or correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly update the following accounts that are hurting my credit : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUN LOAN COMPANY INC. (MO)

I was a victim of Identity Theft, while in XXXX, Ohio. I had my wallet, and XXXX XXXX. The individual or group that stole my belongings, were able to access my checking account information, credit cards, passport information, and information about my mortgage. Being a victim of Identity Theft has caused several issues on my accounts, due to Thousands of dollars coming out of my checking account. This account was open XX/XX/, and is reflecting late payments in XXXX, XXXX, and XXXX. I explained my situation to the Branch Manager, XXXX, which is the Branch Manager at the XXXX, Missouri office, and he stated there would be no late payments reported and that we will work with you regarding this matter. I have worked very hard through school and in my career, and if the company is not able to honor the police report, and police officer statement, and remove the late payments reporting for the months of XXXX, XXXX, XXXX of XXXX. I will file bankruptcy on the remaining amount on the account XXXX. I would like a response in 30 days, in order to proceed with filing.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Back in XX/XX/XXXX I asked XXXX to remove the credit account from the my report after a long 2 months battle with XXXX, in one or more of XXXX writing they responded stating they would remove the account but would not returned the vehicle. I have file a small claim lawsuit in XX/XX/XXXX to address who the car belongs to and if it should have been returned. Currently there is no proof that I did business with XXXX also if the dealership made mistakes I should not be the one paying for it on my credit report. I have ask XXXX to remove this many times but still this is showing on my report.
Consumer complaint received 2023-11-25
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (TX)

On the website of Bloombingdale 's credit card promotion website ( XXXX XXXX XXXX ), it states -- DON'T HAVE A CARD? 
Open a Bloomingdale 's Credit Card and take 20 % off your Bloomingdale 's purchases today and tomorrow ( up to total savings of {$250.00} over the two days ). 

However, after I was approved for the card, the company never sent me any confirmation or instruction regarding how to use the card or the information about the approval since the promotional is only valid for two days ( litrally today and tomorrow once you are approved ). When i called them, they said i would not receive the card until 7-10 days after the approval ( therefore I will not be able to receive the promotion offer ) or i need to go to a store for the promotion. This information never shows on the website or anywhere. This is fraudulent practice.
Consumer complaint received 2023-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

My problem is with USAA savings bank I closed the card credit card account and they have charged me with a {$1000.00} debt that I don't owe so they did not close the account right away they have charged to the credit bureaus a complaint that I owed {$1000.00} on this unsecured card which is not true the card that I have with them was a prepaid credit card secured with {$1000.00} of my money in contacting the company when I found out the card had not been canceled and that they were claiming that I owed {$1000.00} for this card I spent approximately XXXX months back and forth on the phone with USAA savings bank and finally had them look through their archives and find that they did in fact have a {$1000.00} deposit in that they put in a CD to secure the credit card when I cleared the card and attempted to close the account the card account they never closed it they didn't close the account right away so there was some charges that came up on the card that I c when I attempted to contact USAA and straighten out this matter they would not address the issue because the phone number that I had when I had that account I no longer had that phone number so even though I verified all of my information could not prove whether they were my charges or not because the card had been closed and the bank account closed for about a year so all documents when I purged my file was drawn away or destroyed they are still claiming that I owe {$1000.00} in credit of debt to them even though I had them go to their archives and find my {$1000.00} that I put down as a deposit to secure this card this credit card was closed or canceled in XXXX of XXXX maybe actually about XXXX of XXXX I found out in XXXX of XXXX that they had not canceled the card and that there were charges that came up on the card being that I could not prove that these charges were not mine I accepted those charges but I continued to ask them to remove the false claim of {$1000.00} from my account and from the credit bureaus I thought that was gon na be done in XXXX of XXXX I saw that they were still claiming that I owed {$1000.00} for this credit card which again was a secured credit card secured by a {$1000.00} deposit that I put down which USAA savings bank put in ACD to secure this credit card my phone number is XXXX my phone number is XXXX XXXX The system is not allowing me to change the phone number
Consumer complaint received 2017-05-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I received a letter from  Huntington National  bank indicating that I needed to make updates to my insurance policy to reflect my address as :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MI  XXXX . Mind you, the letter was sent to the correct address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX     XXXX  MI  XXXX . There are no condo 's with the number  XXXX  in my development, I LIVE IN  XXXX   XXXX . Huntington confirms this is the address on my loan, and their insurance department states this is not the address they have and tells me I have to speak with the Mortgage Department. I have tried calling twice to resolve this.   The first call, I called the insurance department, who stated I had to talk to the mortgage department. The mortgage department told me I had to speak with the insurance department. I could n't wait for the insurance department and had to end the call ( I was on the call alre ady ~30 minutes ).    The second call, I called the mortgage Department, they said I had to speak with the insurance department. I held for quite a long time. After getting to the insurance department, they said again, that I needed to speak with the mortgage department.   The property address for my mortgage is as follows :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MI  XXXX  I am not calling my insurance carrier to have them update my policy to include  XXXX  as my unit as that is not my address. Something is clearly wrong here.
Consumer complaint received 2023-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (NJ)

I had a balance transfer offer that expired XX/XX/XXXX ( XXXX ). My bill is due the XXXX of every month. On XX/XX/XXXX I called Citi Bank and spoke to customer service because I wanted to make sure I paid the correct amount, which would include the minimum amount due, the balance of XXXX XXXX, and any interest it has accrued from the expiration date of XX/XX/XXXX. The customer service representative told me the minimum amount due was {$230.00}, the balance on XXXX 5 was {$4900.00} and it had accrued {$24.00} in interest from XX/XX/XXXX. He told me I had to pay {$5100.00}. I made a payment of {$5200.00} on XX/XX/XXXX. 

When I looked at my statement that ended XX/XX/XXXX, I realized that the payment had not applied correctly and I called customer service. I spoke to a supervisor " XXXX '' and she told me she would be emailing the back-end team to have this resolved. She also credited the interest from XX/XX/XXXX {$28.00} and XX/XX/XXXX {$77.00}. 

When I looked at the statement that ended XX/XX/XXXX, I realized that the payment still had not been applied correctly. I called customer service. I spoke to a supervisor " XXXX ''. He assured me he would fix the issue. He told me that " XXXX '' had ot emailed the correct people. He told me he was emailing the back-end team and that it would be resolved in 3-5 days. He refunded the interest from XX/XX/XXXX {$69.00}. 

I looked today, XX/XX/XXXX, because I wanted to make a payment for this month. The statement ending XX/XX/XXXX, still has not been corrected. I called customer services again and spoke to a supervisor XXXX. XXXX told me that the back-end team refused to fixed how the payment from XX/XX/XXXX, was applied. 

XXXX told me that the customer service person I spoke to on XX/XX/XXXX, was wrong and he should have told me I had to wait until after XX/XX/XXXX ( after the bill closed ) to make the payment. If I had waited to make my payment until after the bill closed, it would have been applied to XXXX XXXX. I asked him for this policy in writing, and he told me that Citi does not have the policy in writing, " that is just how it is ''. He told me that he was going to email the back-end office again and explain that the customer service person from XX/XX/XXXX, gave me the wrong information. He also refunded the interest of XX/XX/XXXX, {$67.00}, and XX/XX/XXXX, {$66.00}. If I would have waited to pay my bill until after it closed, I would have been making a late payment and would have been charged {$30.00} late fee. XXXX XXXX had already accused {$24.00} in interest and it would have accrued 4 mores days of interest at 17.99 % interest. That is not only unfair but inappropriate. This is the second time that CitiBank customer service has given me incorrect information regarding payments and interest rates. Because of this this is the second time I have had to make a complaint to CFPB regarding CitiBank. Thank you for your help. I can be reached by email : XXXX or cell phone XXXX.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 2023-12-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (NY)

XXXX XXXX GOT A HOLD OF ME CLAIMING TO BE THE SUCCESSOR OF A ALLEGED DEBT FROM XXXX. THEY STARTED A XXXX XXXX XXXXXXXX SUPREME COURT CASE AND CLAIMED THAT XXXX HAD GIVEN THEM THE DEBT. I INITIALLY TOOK OUT A HOME DEPOT CREDIT CARD AND WHEN THE PANDEMIC CAME I REQUESTED ASSISTANCE UNDER THE CARES ACT IN WHICH THEY IMMEDIATELY CLOSED MY ACCOUNT AND TRANSFERRED IT TO THE COMPANY HEREIN. IF THESE COMPANIES DID NOT HAVE A RIGHT TO REPRESENT XXXX THEN I NEED THAT IN WRITING FROM XXXX. The previous complaint filed was closed because they said that whoever did this was unauthorized to represent XXXX So please give me this in writing. I was ultimately dealing with attorneys alleging to represent LVNV funding. LLC. There was a great deal of threats made and eventually I felt as I had no choice but to pay this XXXX party money.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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 an account without my written instructions XXXX5 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2023-09-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: State Collection Service, Inc. (PA)

I went to XXXX XXXX XXXX ( used XXXX XXXX XXXX, account no. XXXX ) and received treatment on XX/XX/2023. I was informed that I did not need to pay anything by the receptionist. Today ( XX/XX/2023 ), I received a debt collection of {$35.00} from State Collection Service , Inc. ( XXXX, WI ). Prior to this, I have not received any communication or bill from XXXX XXXX XXXX regarding this matter. I will pay the amount as soon as possible but would like to complain against XXXX XXXX XXXX for referring to debt collection and was deficient in providing proper information and communication regarding this {$35.00} debt.
Consumer complaint received 2023-11-25
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: Global Lending Services LLC (MO)

Ive requested a 1099c form from global lending service auto loans so I can file the debt on my taxes they failed to provide me with a form so I asked did they file they wouldnt give me an answer and they are updating this balance as an open account in all 3 of the credit agencies transunion XXXX and XXXX
Consumer complaint received 2023-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InvestiNet LLC (KY)

I have received notice from a new debt collector, InvestNet, LLC, for a time barred debt for XXXX XXXX XXXX in the amount of {$8600.00} for account number ending in XXXX. 
This debt was reported delinquent on XX/XX/2017. Statue of limitations for open ended debt in the state of XXXX  is 6 years. 
My questions are this : I read that if I respond, it could restart the clock on the debt but if I dont respond I could be taken to court. 
This debt has hurt my credit for the past 6 years and is no longer on my credit report. 
I am unable to pay this debt due to current financial hardships. 
What are my options and can this new company sue me for a time barred debt? 
Thank you, XXXX XXXX
Consumer complaint received 2021-03-21
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. (FL)

I try to resolve the problem with XXXX the company and send it them a copy of a police report from XXXX County Police Department and also XXXX XXXX XXXX county police department and they did not honor my request and I think its a shame that you can not present me any documents with my signature on it instead of all of it itemization home and I do not owe {$50000.00} in debt in my Social Security number is not XXXX it says I live in XXXX county I never live there before. I think a school representative did that when I called about information about a program years ago
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

As i have previosuly filed a compliant with Equifax and XXXX that has been delt with appropriately. I have come to find even more inaccuracies within my credit report throughout all three reports. This time including XXXX, XXXX as well as Equifax in regards to derogatory remarks on Payment history 30 days past due, On time, Data unavailable from all three credit reports as well inaccurate dates and amounts on each one with CONSUMERS COOP CRED. I will be attaching and providing evidence in this complaint of these inaccuracies. As iv stated previously through the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX, XXXX and Equifax all being consumer reporting agencies as I am the Consumer. And 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states ''. 

Mainly these inaccuracies and issues are pertaining to the improper and inaccurate amounts throughout Payment History from what iv found or transaction history being reported throughout my credit reports on XXXX, XXXX and Equifax for XXXX XXXX XXXX. As stated from 15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting. With ( 2 ) Exclusions : ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; in itself reporting transaction history is illegal. ALL inaccuracies and remarks iv listed and attached to this complaint I want deleted off my credit report for inaccurate information in violation of 15 U.S. Code 1681e stating " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

As I have looked in my credit report Payment history for XXXX XXXX XXXX dates and amounts i've attached report different things that conflict with each other, as well as in violation of 15 U.S. Code 1681e as I've mentioned in the paragraph above however specifically ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. Again, ALL inaccuracies as well as derogatory remarks made on my credit report under Payment history and balance for CONSUMERS COOP CRED be removed as well as any adverse action related notations ( derogatory remarks in payment history ) removed and the status updated to Paid as agreed on XXXX, Equifax and XXXX.
Consumer complaint received 2023-11-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

My PayPal account has been suddenly permanently limited without any valid reason and the funds inmy account have been put on hold for 180 days. 
I tried to get help from PayPal 's customer serviceteam but they said that they won't be able to help me regarding account restoration.I have been usingthe account for some time now and always work in good faith and follow all the policies and useragreements as stated and agreed upon while I signed up for the account. 

I have taken every step tominimize the risks associated with my account however PayPal still permanently limited my accountstating there's potential risk associated with it. 
I would request any information as to why PayPal feltthey had to limit the account. There is no reason to permanently close my account as I believe I haven'tdone anything wrong that led to its closure.Therefore, I would request PayPal to please re-investigatethe issue and help to resolve it. I am willing to provide any information needed for the investigationand to help restore the account back. I am willing to work with PayPal collaboratively to minimize theperceived risk. I would request you to please help me to get my account reinstated. 

Reference ID : XXXX Business Information : XXXX XXXX XXXX PayPal XXXX XXXX XXXX