davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (CA)

In XXXX I opened up another account for my daughter. She is a minor and we only wanted to use the account for her allowances. When we signed up they told me we need to use direct deposit to avoid the service fees or have {$1500.00} or more on the account. We have been using direct deposit. But in XXXX they charged us with service fees and I went to one of the branches and asked why I am being charged with a service fees. They told me that I did not have {$1500.00} or more in the account. So I told them we did direct deposit to avoid the fees. And that my daughter is a minor and she is under my name as a joint account and I have more than {$1500.00} or more in my account. They said it works separately. Thankfully they refunded the service fees. And then I went and put more money in my daughters account from my account to have {$1500.00} or more. They still charged us again. I went and asked why am I being charged now. They told me that there was a period of time when there was not enough money in the account that exceeded {$1500.00}. And to avoid the service fees I have to do a direct deposit of {$250.00} or more which they never told me. I asked them when I was signing up a out the amount of direct deposit and they told me ANY AMOUNT. But now they changed there words and now all of the sudden asking for {$250.00} or more direct deposit a month. Its a minor account for allowances. I am getting frustrated by them changing words every time I go in there. It does not say it in the papers either. And when I was there trying explain they lady there did not listen and she just cut off and talking and she kept saying her things.
Consumer complaint received 2023-04-27
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. (NV)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer.

XXXXXXXX XXXX  XXXX XXXX XXXX, NV XXXX XX/XX/2022 ; XXXX XXXX XXXX Balance : {$4400.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$3.00} ; XXXX XXXX XXXXXXXX XX/XX/2022.
Consumer complaint received 2023-09-03
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: Experian Information Solutions Inc. (NJ)

I am writing to formally dispute and request the correction of inaccurate information on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Experian regarding the following incorrect information on my credit report. To date, I have not received any response from them. Below, I have provided the details of the inaccuracies and the required corrections : The following account was never late : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$6700.00} Please correct/update this inaccurate information on my credit report. 

The following account is not mine : Creditor : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} Please remove it from my credit report.
Consumer complaint received 2023-09-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (OK)

I have a shared debt with my ex to Jefferson Capital Systems , LLC. that was escalated to a debt collector XXXX XXXX XXXX XXXX XXXX ) in XXXX. 

First of all, I tried refinancing with Jefferson Capital Systems and told them that if they couldn't refinance with me I wouldn't be able to make my payments, as my ex ( the co-owner on the car ) backed out of his share on payments when we broke up. They would not even consider it. So I had to voluntarily surrender my car. 

Secondly, I was never served ( I never received a summons! ), yet somehow I ended up sued. Apparently the summons went to my ex 's address and I didn't know about it until my ex told me what happened after the fact. Nevertheless, I made a payment arrangement with XXXX XXXX XXXX XXXX, the debt collector. 

I had been making automatic monthly payments of {$50.00} to XXXX XXXX XXXX XXXX since then ( XX/XX/XXXX ) until XX/XX/XXXX, when I changed banks and forgot to update my payment method with XXXX XXXX XXXX XXXX, and my payments to them stopped. The last payment was on XX/XX/XXXX. 

Nobody ever contacted me in any way to try and collect the debt again, but my boss got a letter in the mail yesterday ( XX/XX/XXXX ), stamp dated XX/XX/XXXX, from the state to garnish my wages. 

I called XXXX XXXX XXXX XXXX this morning at XXXXXXXX XXXX  and asked if I could continue making my payments and they told me no, it was too late. Then the lady I was speaking with told me the state already took over {$500.00} out of my check on XX/XX/XXXX, which isn't true. I got paid my regular amounts on the XXXX and the XXXX, and I verified with my boss that nothing has been garnished. She flat out lied to me, giving me false information that wouldn't even be XXXX XXXX XXXX XXXX 's concern anymore. 

I also have call recording on my phone, but somehow they blocked recording, which makes them even more shady.
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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. 
XXXX Account name ; XXXX XXXX acct # XXXX Account name ; XXXX XXXX XXXX Account # XXXX Account name ; XXXX XXXX  Account # XXXX Account name ; XXXX XXXX Account # XXXX  Account name ; XXXX XXXX XXXX Account XXXX XXXX Transunion Account name ; XXXX XXXX XXXX Account # XXXX XXXX  Account name National recovery account # XXXX Account name XXXX XXXX Account # XXXX they have violated my right the only phone number i have is XXXX XXXX the only address is XXXX XXXX XXXX tn XXXX 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 2020-07-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

Freedom Mortgage acquired my VA mortgage in late XX/XX/XXXX. I entered the new payment information into my bank 's XXXX XXXX services and the payment was sent on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Freedom stating that my payment had not been received, and showing that 2 payments were due in XXXX. I contacted my bank who verified that the money had gone out on XXXX. 
On XX/XX/XXXX, I spoke with XXXX XXXX and my bank. on XXXX, I called Freedom Mortgage customer care and set up a 3-way conference with the bank, XXXX XXXX and Freedom for XX/XX/XXXX. 
XXXX XXXX spoke with XXXX at Freedom and gave verification that both the XXXX and XXXX payments had been sent. XXXX XXXX faxed the information to Freedom. 
My XXXX payment had been sent on XX/XX/XXXX. 
On XX/XX/XXXX, a 3rd fax was sent to XXXX at Freedom customer care with the routing numbers for the 2 payments. 
On XX/XX/XXXX, I received a letter from Freedom stating they would review and send a written response following the review, by XX/XX/XXXX. 
On XX/XX/XXXX, I received a letter stating that the XXXX payment was received and credited to my loan. 
I decided to use Freedom Mortgage 's on-line payment services and set up a payment for XXXX. To my dismay, it went through for a TWO month payment amount. I was able to have the bank rescind the payment. 
I did call Freedom 's help line and made the XXXX payment only on their website. Freedom still was saying that I am one payment in arrears. 
I have been sending my monthly payments with my bank checks for the last 5 months. 
On XX/XX/XXXX, I again emailed a letter and support documents to Freedom. There has been no response except with their monthly payment statements showing they want 2 payments to bring me current. 

TO THIS DATE, I have had a total of 30 contacts with my bank, Freedom Mortgage, XXXXXXXX XXXX   services, and with no satisfaction. I have a written record of all contacts, emails and faxes with corroborating bank statements and I have written and given all information to my US Congressman XXXX XXXX ' office asking for their help. And now I am filing this request as well. 

I am a senior citizen and a widow. My husband served in the XXXX XXXX XXXX. This problem has caused me great XXXX  and worry. It has also hurt my FICO score horribly! 
I feel that Freedom Mortgage has shown both ineptitude and/or fraud in their accounting department, and a great lack of " customer care '' with their Customer Care '' services. 
I want to be totally exonerated from the allegation that I am in arrears because it is not true!
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, a transaction was made on my checking account for {$190.00} at XXXX pm in XXXX, CA. When the alert came, I immediately called the bank to dispute the charge. The " XXXX '' claimed it was consistent with my other transactions & would not return the money to my account. It is not consistent, I have never been to XXXX  and not XXXX transaction on my account has ever been made in XXXX. I provided proof I was XXXX hours away, working, and I filed a police report. It is not XX/XX/XXXX, and Citibank will not return my money. They've given me nothing but the runaround.
Consumer complaint received 2023-11-09
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. (FL)

I am writing this because I noticed my closed XXXX XXXX account #, [ XXXX ], Continually being reported for multiple months! This is illegal and you guys are going against the FCRA. According to the FCRA 623 it states that an account can be reported delinquent on the months that it is late but once an account is closed it can only reflect charge off or late up to the date that it was closed ( XX/XX/ ) after that its not supposed to. This is my final warning I need this account removed you guys are constantly reporting inaccurate information! 

( 5 ) Duty to Provide Notice of Delinquency of Accounts ( A ) In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
Consumer complaint received 2023-11-09
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. (NC)

I am a natural person, I am a living human being. I have rights under 15 USC 1681. Equifax is governed by 15 USC 1781 and they violated my rights numerous of times. I demand the accounts mentioned below to be removed because according to 15 USC 1681 : I have the right to privacy and o did not give equifax written permission to furnish those accounts Accounts XXXXXXXX XXXX XXXX XXXX  All hard inquiries
Consumer complaint received 2023-09-26
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Neon Newco Corporation (NM)

I have had a Paypal account that included a debit card for use in transactions for selling the jewelry I create and sell. Having cash that I wanted to place into my account, I purchased another prepaid card at a XXXX XXXX XXXX ( XXXX ) in XXXX, NM on XX/XX/2023. The card was loaded with {$100.00} plus the additional {$4.00} # # fee. I assumed the process would be fairly simple, but found it to be tremendously impossible. I downloaded the app as instructed and provided the information needed. Whether on the app or online, the processing never goes beyond the entry of the last four numbers of the social security card number. 

I called and in several attempts may have had the card activated, but little to no information effectively shared via app or website. I am a savvy individual and up to speed with technology. I am a professor at a university and this is like nothing I have experienced before.
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: Experian Information Solutions Inc. (IL)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 A 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 a account without written consent.
Consumer complaint received 2024-04-24
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. (NY)

I WAS A VICTIM OF IDENTITY THEFT AND I REQUEST THAT THESE ALLEGED ACCOUNTS BE REMOVED IMMEDIATELY. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRES : XXXX : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-08-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2023, I sent a letter to the three credit bureaus concerning several accounts that were fraudulently reported and must be removed from my credit report. Unfortunately, I have not received any response from the credit bureaus so far. According to the 15 U.S. Code $ 1681c-2, a consumer reporting agency is required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within four business days of receiving such information. It has now been 30 days, and the credit bureaus are in clear violation of this law, as I am a victim of identity theft. 

I urgently request the immediate deletion of these fraudulent accounts from my consumer report. These accounts should not be furnished on my report, as they are in direct violation of my rights as a federally protected consumer. Under 15 U.S. Code 1681b, the permissible purposes of consumer reports do not apply in this situation, as I never provided any written consent to any consumer reporting agency to report such information on my consumer report. This lack of consent constitutes identity theft, and it is my right as a consumer to have these accounts removed immediately. 

I expect prompt action on this matter to rectify the violation of my rights as per the law. Your cooperation in resolving this issue promptly will be greatly appreciated. Thank you
Consumer complaint received 2023-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (WA)

XX/XX/2023, I was blocked using my account and my pin # had been changed, again. not by me. I called the bank and told them I thought there was fraud on my account because less than 1 month ago, on XX/XX/2023, the same thing happened and all my money was stolen from my account via transfer of funds. They said no and guaranteed me I would be able to login to my account in 10 mins. That was a lie, I had to call 3 more times to finally get someone to send me the link to reset my password and when I finally got into my account, it was overdrawn {$100.00} when I had over {$1200.00} the night before. And every time I was on the phone with them, telling them I cant access my account and card was blocked, they were allowing someone to use my account, WHILE I WAS ON THE PHONE WITH THEM TELLING THEM ANY TRANSACTIONS OR ATTEMPTED TRANSACTIONS ARE FRAUD! XXXX {$89.00} XXXX XXXX {$48.00} XXXX XXXX {$19.00}. XXXX {$370.00} XXXX XXXX {$260.00} XXXX {$240.00} XXXX XXXX {$210.00} XXXX XXXX {$20.00} overdraft fee hold due to previous transaction. I called a total of 6 times and told them I was at work and had no access to my account. Seemed all the transactions were happening while I was speaking to them. And I was constantly placed on hold for a few minutes just for them to reroute my call back to the automated system just to have to explain everything all over again to someone else. No one actually did anything to help me only to allow the thieves time to get every last penny out of my account and then some. Then was told I couldnt even file a dispute because all transactions were pending and I would have to wait for them to post to dispute them, then wait another 14 days for provisional credit until they were done investigating disputes. They also didnt notify at all when someone went into my account and changed my email address, phone # and address. 3 different times today. They also allowed someone to create virtual cards on my account without notifying me
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : DEPTEDXXXX Account XXXX Account name : DEPTEDXXXX Account Number: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 2024-02-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (AZ)

Seven years ago went to XXXX XXXX and i had insurance. instead of charging my insurance for my XXXX XXXX  visit. they put me in collections. they keep doing it every six months and it is driving me nutts.
Consumer complaint received 2023-07-18
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. (CA)

My credit report is showing late payments to XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Consumer complaint received 2023-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 a 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 2023-11-04
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. (NY)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 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 a account without my written instructions.

Under 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.