davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MS)

In XX/XX/XXXX, my ex-wife filed for a divorce. That has created many financial hardships. I have either made good or made payment arrangements with every debt that I owe, including two other credit card companies. On XX/XX/XXXX, my balance was {$11000.00} I was presented with a payment relief option to handle my past due American Express account. This option stopped late fees and dropped the interest to the point that after making XXXX payments of {$71.00} my balance would be paid in full. I set up auto payments set for every Wednesday in the amount of {$71.00} for the next XXXX weeks. I have the email from American Express with the payments scheduled out over the next XXXX weeks. Between XX/XX/XXXX and XX/XX/XXXX there were a total of six payments made. On XX/XX/XXXX I checked my statement and discovered that between XX/XX/XXXX, when I signed up for the payment relief and XX/XX/XXXX my six payments totaled {$420.00}, but during the same time period I had been charged two late fees for {$40.00} each and interest charges of {$560.00} totaling {$640.00} so on the six payments, instead of balance going down it actually went up by {$210.00}. I reached out to American Express on XX/XX/XXXX and XX/XX/XXXX because I figured there must have been a mistake. After talking to various people, it became obvious that American Express was not going to honor the terms of our agreement. They kept saying I had not signed up for a payment plan. I tried to explain I had an email titled " Payment plan confirmation notice '' and included language like : " Once your balance is paid in full, any remaining scheduled payments will be cancelled. Other than communication regarding your payment plan, no further attempts will be made to collect the remaining balance while you are making payments in accordance with the terms listed above. '' I explained multiple times I wanted to make good on my debts but I wanted them to honor our agreement and they continued to tell me that we had no agreement. At that time I canceled making any future payments.
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}. Please update ASAP.
Consumer complaint received 2022-11-08
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: EQUIFAX, INC. (AL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-24
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)

I recently reviewed again my XXXX and TransUnion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

Dear Sir/Madam, I am writing to dispute the accuracy of inquiries listed on my credit report. Specifically, I am disputing the following inquiries : XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX  XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize any of the above inquiries and was not made aware of them prior to them being listed on my credit report. I believe that these inquiries were made without my consent, and their presence on my credit report is inaccurate and unjustified.
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/ edd benafit card with bank of america .i didnt not recevice the card my imforfamtion was stolen and change of address was made after reliazing i never got my card and contacted bank of america to report why i never recieved my card and thier was XXXX made for the {$15000.00} on the card i never recieved endind in XXXX XXXX XX/XX/XXXX  i made a claim and disputed transactions that i did not make. claim # XXXX XXXX did everything they asked of me to do from documents to police report towards us postal mail /XXXX  servies send B.O.A reort number etc,, ive been checking on my claim stuts everyday snice XX/XX/ and still pending .back in XX/XX/XXXX  i received a letter from B.O.A stating i was getting credited {$15000.00} and never received no card no money and now the claim has not been resolved because its still being reviewed i would like to know if someone can help me with this matter its been going on 3years .thankyou
Consumer complaint received 2023-04-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

A Wells Fargo employee got an attitude with me and closed my account. After I did nothing wrong. 

She asked me a couple questions, the same questions that I was asked earlier on the call. I gave my social and date of birth and she then proceeded to close my account. 

Wells Fargo has not trained this employee correctly or she is acting on her own and closing accounts because she is not having a good day at work. 

Wells Fargo is discriminating against me for being XXXX which is federally illegal. The employee also had the option to send a 6 digit code to my phone to verify my but chose not to- which is discriminatory behavior. They closed my account for absolutely no reason.
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report o XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$150.00} o XXXX XXXX XXXX  Balance : {$1400.00} o XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$150.00} o XXXX  XXXX XXXX Balance : {$1400.00} o XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$150.00} o XXXX XXXX XXXX Balance : {$280.00} o XXXX XXXX XXXXXXXX  Balance : {$1300.00}
Consumer complaint received 2024-04-24
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)

I recently reviewed again my credit report and it still shows unverified and fraudulent information that clearly violated the XXXX XXXX and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-04-23
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)

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and I demand that you removes these errors to correct my credit report immediately! I have reported this to the federal trade commission and attached the federal trade commission affidavit. Now that I given you the following information, please correct my credit report or I shall proceed with involving my attorney!
Consumer complaint received 2023-05-01
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. (NJ)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-24
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. (GA)

I am writing to file a formal complaint against TransUnion, XXXX and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/2023, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00}.
Consumer complaint received 2015-09-02
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: CLX Systems/ Westwood Management (NY)

I am being continually harassed by CLX Systems/Westwood Management , Inc. They call my house and my cell phone multiple times, sometimes many times in the same day. Now they are harassing me at work. Now, they are faxing and calling my office to in an effort to embarrass me. 

It is on going and relentless. I would like it to stop. 

If you would be so kind to help stop CLX Systems/Westwood Management, Inc from continually harassing me I would greatly appreciate it. 

Thanks you
Consumer complaint received 2023-05-13
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. (TX)

I submitted a letter to the 3 Credit Bureau on XX/XX/XXXX, to update 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 XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$180.00} ; XXXX XXXXXXXX XXXX  Opened : XXXX XXXX, XXXX Balance : {$93.00}.
Consumer complaint received 2021-01-12
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. (IL)

I disputed innacurate accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX, XXXX XXXX XXXX XXXX, In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Consumer complaint received 2023-08-08
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. (TN)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-04-24
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. (TX)

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 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC. (FL)

Santandar USA failed to adhere to court judgment by order to remove account from credit by consumer lawsuit. Account is reporting inaccurate information. Failed to provide any documentation after 90 days.
Consumer complaint received 2022-09-19
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: Experian Information Solutions Inc. (VA)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-24
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. (TX)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant XXXX, to XXXX XXXX where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2018-02-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. ()

My original complaint with CFPB was XXXX filed XX/XX/XXXX. Citibanks brush-off, incorrect and avoidance to address the issues reply was received XX/XX/XXXX. Below are my objections and refiling the original complaint in hope that this time the issues would be addresses. 
1. COMPLAINT ON UNEVEN INTEREST RATES ON SIMILAR ACCOUNTS : I originally mentioned 4 bank accounts as follows : XXXX, XXXX, XXXX and XXXX which have almost identical amount on deposit. In the Citibank reply, they addressed the only 3 of the above XXXX, XXXX, XXXX XXXX and added for confusion another account XXXX which DOESNT have the same deposit amount as the original mentioned 4 account. Furthermore, after checking accounts XXXX, XXXX and XXXX were originated in XX/XX/XXXX with an interest rate of 0.08 % rather than as pointed out INCORRECTLY by Citibank ( for XXXX XXXX and XXXX ) with interest rate of 0.15 %. Further to illustrate Citibanks confusion, account XXXX opened XX/XX/XXXX has a consistent interest rate of 0.12 % rather than as INCORRECTLY pointed out by Citibank 0.08 % interest. 
Citibank intentionally didnt address the issue of the differences between the interest rates and especially the Citigold relationship managers repeated FAILURE to adjust the 3 discriminated accounts interest rate. Furthermore, to confuse and justify the failure, the banks responder added an account ( XXXX ) which was not originally mentioned in my complaint as it didnt have the same amount balance. 
2. As far as the rejection of the wire transfer and fees charged, Citibank didnt address the specific issue WHY MORE THAN 15 IDENTICAL PREVIOUS WIRE TRANSFERS WERE PROCESSED WITHOUT A GLITCH AND THE ONE IN DISCUSSION WASNT. All previous wires have the same beneficiary as the one rejected. I expect a reply to the point. 
3. In addition to the original complaint ( 2 above points ), on XX/XX/XXXX I requested by phone the my IRA XXXX for filing my taxes. Citibank which maintains my IRA account FAILED again to post the XXXX on the bank website together with the XXXX which is posted each year. As the promise to e-mail the XXXX was not fulfilled, further phone calls led to the bank to finally e-mail me a XXXX. After checking it, I realized that this reflects an incorrect withdrawal and there should be an additional XXXX. Further phone calls and aggravations lead to a burden of 10 irrelevant faxes until I finally got the second XXXX. It is absurd that one has to invest so much time and keep checking the bank for accurately delivering what they are obliged by law all XXXX for accounts held by a banks customer
Consumer complaint received 2018-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

I did not authorize XXXX XXXX Services on XXXX XXXX, 2017 to run my credit. And I constantly asked them to remove inquiry on my report to no prevail.
Consumer complaint received 2024-04-24
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)

PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.