davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (TX)

On day XXXX XXXX (? ) I attempted to move a portion of my {$26000.00} XXXX account to my personal wallet. I got a message that I was limited to {$1500.00}. Upon trying to transfer that amount I was denied service ... for XXXX days " investigation. '' The next company contact I completed XXXX procedures again..but was put off over the weekend ie several more days. Today I spoke with an agent... who verbally confirmed my personal info. 
I was told that the info was non compliant ... when I questioned how I was hustled off the call. I just talked to a XXXX agent... who put me off another " few days '' to learn additional security " measures '' that I might need to comply with.
Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Theyve been calling me for months trying to collect on a bank account that was closed in XXXX. When I closed the account the balance was XXXX. Theyre claiming its almost {$1000.00}. When I explained this to the caller he started getting irate and then started shouting my entire social security number through the phone. So I hung up on him.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I have inquired and sent letters with the credit companies to investigate and delete the account and reporting and they have failed to do so every month for the last year. I have no recollection of opening that account. I requested the original bill of sale which they have failed to provide on several occasions. I have sent dispute letters to both the credit companies and the loan company. 
Balance : {$9200.00} XXXX XXXX : {$17000.00} They are providing me with numbers but failed to provide with a copy of my signature and a copy of the original bill of sale.
Consumer complaint received 2023-05-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Trident Asset Management, L.L.C. (PA)

I Do not know TRIDENT ASSET MANAGEMENT they are claiming that I owe them from a Credit Card they never sent any documentation stating anything but they keep updating my Credit Profiles and its hindering my Credit Score and I tried Disputing but they keep saying that the information is accurate when I never signed anything with them so it cant be accurate
Consumer complaint received 2023-03-29
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: Experian Information Solutions Inc. (CA)

This complaint is my follow-up to my previous letter to redispute these items : XXXX XXXX XXXX XXXX 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 XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$410.00} The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc. (CA)

Square placed 30 % reserve on my account. I run a business with operating/overhead costs. I reached out to Square to release some of my funds to help me financially to pay for my bills. They declined. I reached out to Square on more than 5 separate occasions. I have exhausted my savings account and I am at a negative on my checking. I need help getting my hard earned money released. This is wage theft and it is violating my rights. I have no money pay my bills or buy anything for my family. My credit limits are all used up and Square is holding over XXXX of my money I worked for in reserves. This is affecting my livelihood.
Consumer complaint received 2024-05-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (FL)

I have been a customer with Loan at Last since XX/XX/XXXX. I have paid off a couple of loans in the past. Around XX/XX/XXXX I was going through a hardship and the company settled the loan with {$50.00}. I took out another loan and I was approved for {$1000.00} the payments were {$110.00} weekly I reached out in XXXX and asked if I can change my frequency to bi weekly. I started to pay {$220.00} every two weeks and then I ended up lowering my payments to {$110.00} I ended up making two payments so far. Loan at last ended up extended my loan for 60 days I began paying XXXX XXXX I was able to make two payments on XX/XX/XXXX I asked if my payment can be deferred to the end of the loan term due to a hardship which was done I reached out a week prior to see if my payment can be rescheduled the agent who i spoke to rescheduled it for XX/XX/XXXX and XX/XX/XXXX. I thought my finances would improve but my expenses have increased and I am on a fixed income. I reached out on XXXX XXXX and I spoke with an agent named XXXX via live chat and I explained the situation to her and she told me that unfortunately the skip a payment option has been used and the payment has been scheduled she offered to schedule me a call back to discuss other options she told me that there are other options available and that they might lower the payments. XXXX scheduled the call back for Wednesday XX/XX/XXXX at XXXX I was up early and I did not receive a call back to discuss options and now I am in a bind. I am on a fixed income and Im barely getting by. I would like to have these payments lowered or settled the account for what has been paid because it is causing me to be tight with finances and Im struggling to make ends meet. I want to be out of this.
Consumer complaint received 2024-03-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (AZ)

The car was totaled in a car accident. XXXX XXXX paid over {$9600.00} I haze gap insurance that should pay the rest. 

Howver Exeter finance is showing my amount being delinquent on my credit report. Amount should be marked as closed paid in full
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

Citicard XXXX XXXX XXXX debited my account XXXX  for the XXXX payment on the XXXX & XXXX for {$230.00} in error. They told me that they would refund the extra payment on XX/XX/year>. I've called multiple times and still have not received the refund. This caused me to be late on another bill & have XXXX items returned.They said they couldn't apply the refund to the XXXX payment. It is now showing that I am XXXX  days late on my payment and they reported it to the credit bureaus.
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2021-02-16
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 — Investigation took more than 30 days
Company: Paramount Recovery Systems, L.P. (TX)

I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not any investigation results.
Consumer complaint received 2023-05-31
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. (FL)

After reviewing my credit report, I have discovered erroneous accounts and information that are not associated with me. I did not authorize the reporting of this information on my credit profile, and it is significantly impacting my life. I kindly seek your assistance in resolving this matter promptly.
Consumer complaint received 2024-04-17
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. (PA)

XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XXXX XXXX XX/XX/XXXX {$680.00} IC SYSTEM XX/XX/XXXX {$650.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XX/XX/XXXX {$300.00} PORTFOLIO RECOVERY XX/XX/XXXX {$680.00} XXXX XXXX XXXX XX/XX/XXXX {$370.00} XXXX BAIERL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-17
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XX/XX/2023, and I have not yet received a response. ''
Consumer complaint received 2023-05-02
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. (NY)

as of XX/XX/XXXX, I have noticed a fraudulent account Account name, XXXX XXXX XXXXXXXX. 
Account number XXXX Date opened XX/XX/XXXX Date closed- Balance XXXX Account status open past due XXXX as of XX/XX/XXXX Last payment date XX/XX/XXXX XXXX
Consumer complaint received 2024-04-17
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. (NY)

After reviewing my credit report I noticed some fraudulent inquiries on my credit report per following Transunion XXXX XXXX XXXX XXXX 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 2024-04-17
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. (MS)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-17
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. (MA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-17
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. (OK)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To whom it may concern I am contacting you in regards to several accounts that are reporting erroneously and incorrectly. 
XXXX {$13000.00} XXXX XXXX XXXX XXXX Federal XXXX {$12000.00} XXXX XXXX XXXX XXXX Federal XXXX {$26000.00} XXXX XXXX XXXX XXXX Federal XXXX {$3000.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX The accounts were all charged off an paid in full I have the evidence to show you that the accounts were sent to the IRS and accepted. The amounts are shown on each XXXX and the instructions are listed. I would like for you make the immediate corrections on my consumer report by correctly implementing the correct account amount, and information that I am providing you with a copy of the XXXX amount paid off in the full from the IRS.
Consumer complaint received 2023-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I have accounts on my credit that the credit bureaus keeps claiming is verified but I the collection agency can not and did not verify the debt with me, LVNV funding can not provide any contract with my signature, payment history or dislclaimer of any kind to prove I owe this debt. I have been challenging items in my credit report with XXXX XXXX for over a year with same inaccuracy and unverified accounts. They are taking over 45 day to complete investigations only to get no results, I need them to remove the inaccurate nonverified accounts from my report.
Consumer complaint received 2023-05-02
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)

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-04-17
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. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-17
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. (KY)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Caliber Home Loans, Inc. (WA)

I have my mortgage with Caliber Home Loan since XXXX. My loan got transferred to XXXX Mortgage in XX/XX/XXXX. In XX/XX/XXXX, my bank account was compromised, leading to fraudulent activity that resulted in my card and account being temporarily locked. Unaware of this, I attempted to submit the payment to Caliber home loan, not realizing the transaction had failed to process. Upon discovering the issue in XX/XX/XXXX, I promptly contacted Caliber to rectify the situation. 

However in XX/XX/XXXX, I found in my credit report showing the 30 day late payment from Caliber. This is confusing, since XXXX is reporting theyve been servicing my loan since XX/XX/XXXX and thats the same month Caliber is saying my payment were late. It seems like Caliber should not have had my mortgage that month, which makes me wonder if this was a mistake. 

my mortgage was transferred to XXXX in XX/XX/XXXX. I kindly ask for Caliber 's understanding and patience during this transition period. It is important to note that this incident was an anomaly, as I have maintained a consistent record of timely payments over the past five years.
Consumer complaint received 2024-04-17
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. (SC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-16
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MI)

I am moving and opened the Costco Citi card as we have many appliances and large purchases from Costco. The store offers special deals for caardholders. I have an XXXX credit score and household income over XXXX, yet have a fairly small limit {$7500.00} compared to other cards in my wallet ( ex. Amex over $ XXXX ). That's is fine though, and I've simply been paying off the card in full after each transaction to continue to free up available balance for large Costco purchases. 

Today XX/XX/year> I was unable to pay a Costco 3rd party installation team with my card, despite my card balance being XXXX. My credit union checking account was debited 2 days ago, meaning I do not have access to the cash, nor can I cancel the payment. Further investigation revealed my available balance reflecting {$0.00}. I called and was informed Citi had placed a seven day hold on my payment. I talked with multiple reps and was unable to get a credit increase, cancel my payment, pay additional ( I offered this despite balance being XXXX ). They're just going to place a hold on my {$7500.00} for 7 days, meaning I'll have to cancel my appointments and lose out on deals. I may have to pay cancellation fees. This is unethical, and I believe Citi is enacting this policy in an effort to sit on cash to boost their deposits and cash on hand for shareholders. No one could explain why they chose to place a hold on this payment when I've made 4 payments already. 

I feel like Citi should be investigated for this policy. I fortunately have access to cash and other accounts but I feel like this policy is predatory. I can't imagine the harm it would cause many American families to lose access to $ XXXX for a week, penalized for pre-paying their card. Don't we want people to use credit cards and pay them off immediately. Costco is positioning this card as a way to help families get the best value during their move, but Citi is using it as an opportunity to lock up needed deposits and cause serious harm to consumers. 

I work in banking and the explanation I got was intentionally deceptive. I feel bad for the representatives I spoke to who are just reading their script, and I wonder how they can sleep at night knowing they are seperating families from their cash without cause or reason.