davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

Im reopening this complaint for CFPB to please review this issue and assist. This case is in connection with 2 separate transactions on my credit card, this transaction was one transaction when in initial however after the merchant cancelled the transactions I noticed 2 separate transaction from the same merchant one for {$630.00} & another for {$1800.00} however after submitting all the evidence to the credit card company showing them that this merchant literally cancelled my order off of their own will. They still went ahead and reversed the {$1800.00} credit from my account without properly reviewing my documents. THEY KEEP LISTENING TO THE FALSE INFORMATION FROM THE MERCHANT SAYING I REQUESTED TO CANCEL THE ORDER WHEN MY DOCUMENTS CLEARLY SHOWE THE MERCHANT CANCEL MY ORDER. I did not request to cancel it, the email clearly state that the merchant cancelled my order and say I will receive my refund. The merchant provided some documents saying I requested to cancel the order when that is totally false they cancelled the order & I never received any item from them. If the credit card company review the documents that the merchant provided & also the cancellation emails I received from the merchant they can clearly see the order and everything is matching & the cancellation was done directly from the merchant. They never shipped any item to me or I never received any item. I will be attaching all the documents under this complaint also On XX/XX/2024 I tried to make a purchase on a merchant website with my citi Costco credit card, I made the purchase on the website and my card got charged 20 mins later I received an email saying my order could not be processed and it got cancelled, the email says I will receive my ful refund since they cancelled my order, however after waiting several days I never received my refund, so I reached out to my credit card provider Costco Anywhere Visa Card by Citi I requested them to file a dispute to see why I havent received my refund since the company cancelled my order & said my refund was issued. After sever days of the dispute being open Costco Anywhere Visa Card by Citi keep asking me for documents which I promptly keep providing that clearly shows the merchant is the one who canceled my order & never delivered anything to me. Yet Costco Anywhere Visa Card by Citi went ahead and close this dispute based on false documents provided by the merchant, the merchant told Costco Anywhere Visa Card by Citi that Im the one who requested to cancel the order & they dont accept cancellation which is completely false information. This cancellation was done by the merchant which all my evidence provided clearly shows that the merchant canceled my order and should provide me my full refund!
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/2024 I sent a request to investigate the accounts below due to inaccuracys. I received a response from TransUnion stating both accounts have been verified and are accurate. I disagree with this decision and I would like a detailed explanation on how these accounts where verified and the process used for verifying these accounts. If this can not be provided please remove these accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-16
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. (IN)

There are accounts under my name that are a result of XXXX XXXX as well as inquiries in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these accounts I am complaining.
Consumer complaint received 2018-11-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (TN)

I sent a debt Validation to the credit agency " XXXX XXXX   XXXX '' asking to show proof that the debt belong to me. XXXX technically isn't a creditor they are an insurance company so they shouldn't be reporting to the credit bureaus.
Consumer complaint received 2023-04-25
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. (IL)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
Please deleted the following items : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX , IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$100.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$510.00}, XXXX XXXX Balance : {$25000.00}, XXXX XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$290.00}, XXXX XXXX XXXX XXXX Balance : {$840.00}, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (FL)

I attempted to use the card on XX/XX/2022 at a gas station ( XXXX XXXX ), by paying at the pump. 
It asked for my zip code but I entered it it came back wrong zip code. So my sale was canceled. I went inside to attempt to pay for gas, but my card then read insufficient funds. 
XXXX XXXX is XXXX XXXX, 22. And now the card company is saying it could take up to 90 days to get my money back. 

Why should it take so long when I reported it immediately to the card company - Money Network- on the same day.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an unresolved issue related to an erroneous charge on my credit report, and the subsequent impact it has had on my financial standing. On XX/XX/XXXX, I placed an order for a treadmill with a XXXX which was later canceled, and the product was never delivered. Despite the cancellation, I was charged an unknown fee of {$11.00}, which escalated to {$76.00} without proper justification. 

Following this, I reached out to the company on XX/XX/XXXX, to seek clarification on the charges but received no response. As a result, to mitigate the impact on my credit report, I paid {$76.00} back in XXXX of XXXX to remove the charge, hoping to resolve the matter. However, the derogatory remark stemming from this unresolved charge continues to adversely affect my credit report, specifically hindering my ability to secure favorable terms for a mortgage as I am currently in the process of purchasing a home for me and my child. I disputed the charge again in XX/XX/XXXX, and they added more derogatory timing to my credit report which cause my credit score to drop by XXXX points. This has been devastating to me. 

The urgency of my situation necessitates prompt resolution. Therefore, I respectfully request your intervention in ensuring the removal of this derogatory remark from my credit report. The detrimental effect on my financial endeavors is substantial and requires immediate attention to facilitate a positive resolution. 

I kindly ask for your assistance in addressing this matter and would greatly appreciate your support in rectifying this issue. 

Thank you for your attention to this urgent matter. I eagerly await a positive resolution and appreciate any assistance you can provide.
Consumer complaint received 2023-12-22
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. (IL)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the rights 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.
Consumer complaint received 2024-01-11
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL (AZ)

I received a home repair loan from the USDA in XX/XX/XXXX. The contractors work was delayed. The date was changed on the contractors work but was not changed by the XXXX  on my Promissory Note. When the work was completed on XXXX XXXX, XXXX the loan was put into action and because the Promissory Note date was not changed as was required by Paragraph XXXX XXXX XXXX ) of XXXX XXXX XXXX XXXX XXXX I was immediately past due XXXX months before I even received billing. As a result, the USDA reported me as not paying on my loan. I have since disputed the errors through XXXX and the late payments error has been removed. This was a horrible situation. In the meantime, I received a letter from Synchrony Bank cancelling my XXXX XXXX XXXX Credit Card based on the derogatory information reported to XXXX. The XXXX Account ending in XXXX is a small account. I recently paid off the account. I have never been late with a payment the entire time I had the account. Always paid on time. Never went over my credit limit, etc. The reporting of derogatory information by the XXXX  was no fault of mine. The XXXX  made the error and they fixed it. Now Synchrony Bank is hurting my credit. My credit score has also been restored.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OH)

Equifax, XXXX, and XXXX  will not allow me access to credit reports. I have tried to call to speak with someone several times and was hung up on. I get to the verify my identity with the automated system and by the time I get to the multiple choice questions I get the response " unable to verify my identity ''. I am in the process of mailing a form to get my free credit report at this time however I believe the information they have on me is totally inaccurate as I have had NO credit whatsoever as I am XXXX currently.
Consumer complaint received 2023-06-12
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. (IL)

You have no rights to report this XXXX in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this XXXX to you and this is from an unauthorized third party!
Consumer complaint received 2023-03-13
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. (IL)

This is the second time the credit reporting agencies have reported fraudulent accounts on my reports. The first time I had to sue them to correct the mistakes. If they don't remove the accounts listed on my FTC reports I will take legal action again. They continue adding accounts on my reports that are not mine.
Consumer complaint received 2023-12-22
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)

Someone opened an account at XXXX XXXX on the date of XX/XX/XXXX of the amount of {$2300.00} and a late payment XXXX i will also be filing a FTC report XXXX
Consumer complaint received 2024-03-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (UT)

I am writing to address the matter pertaining to account number XXXX held with Aldous & Associates PLLC. 

On XX/XX/XXXX, I initiated communication with Aldous & Associates PLLC regarding a debt collection matter reflected on my credit report, purportedly originating from XXXX. Despite furnishing evidence of my last payment and account cancellation with XXXX, it was communicated to me by Aldous & Associates PLLC that a cancellation notice was required, which XXXX was unable to provide. Notwithstanding my provision of proof of payments, Aldous & Associates PLLC declined to accept such evidence. 

Subsequent to prolonged inactivity and lack of substantive response, I submitted a validation of debt request on XX/XX/XXXX, in accordance with the provisions outlined in the Fair Debt Collection Practices Act ( 15 USC 1692 ). This request sought comprehensive details pertaining to the original creditor, the original account number, the date of initiation of the account, the date of the last payment, the original debt amount, and an itemized statement delineating any additional fees or charges. 

On XX/XX/XXXX, I received a copy of the original agreement contract with XXXX, yet my concerns regarding the genesis of the debt remained unaddressed. Subsequently, on XX/XX/XXXX, I dispatched another correspondence seeking substantiation of the debt being asserted. Regrettably, the response received merely reiterated the dispatch of the agreement executed on XX/XX/XXXX, without offering substantive evidence validating the debt, attributing the transfer of the file to Aldous & Associates PLLC to an alleged breach in the agreement. 

To date, despite repeated requests, Aldous & Associates PLLC has failed to furnish conclusive proof substantiating the existence of the debt in question, while persistently impacting my credit profile with unwarranted entries.
Consumer complaint received 2024-04-16
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 reporting act the following accounts has violated my rights : 1. Validate Account XXXX XXXX XXXX  account Number : XXXX 2. Validate Account XXXX Account Number : XXXX Please provide information regarding this account, validation of the debt, details regarding the total amount owed, the date of the last activity, original credit if applicable, and any relevant information associated with the debt.
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (FL)

On XX/XX/XXXX Verve through Continental Finance ) placed an annual fee for XX/XX/XXXX through XX/XX/XXXX of {$99.00} plus a monthly maintenance fee of {$10.00}, or total fees of {$100.00}. These total fees in addition to the exorbitant 31.40 % interest on charges ( {$25.00} ) has put my account over the credit limit. See attached statement.
Consumer complaint received 2023-07-04
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: McCalla Raymer Leibert Pierce, LLC (GA)

I received a notice via USPS dated XX/XX/2023 from McCalla Raymer Liebert Pierce, LLC located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX, regarding a mortgage account with XXXX XXXX XXXX XXXX. Within the letter there is a section labeled " How can you dispute the debt ''? It advises me to respond by XX/XX/2023. 

Today XX/XX/2023 I received a second notice labeled as Notice of Nonjudicial Foreclosure Sale from McCalla Raymer Liebert Pierce, LLC located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Per Georgia Attorney General 's Consumer Protection Division 's website https : //consumer.georgia.gov/consumer-topics/debt-collectors McCalla Raymer Liebert Pierce, LLC must give me the allowable time to dispute the debt in its entirety or partially. The first notice from McCalla Raymer Liebert Pierce, LLC stated that I have until XX/XX/2023 to dispute the debt.
Consumer complaint received 2024-04-16
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. (CO)

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 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma (CA)

XXXX XXXX  : Paid an amount owed on a credit card. 
XXXX XXXX  : My credit scored increased XXXX XXXX XXXX  : After very careful consideration I used a pre-approval tool on the Credit Karma app/website and chose very carefully a card with good approval rate that was pre-approved. I was immediately denied. My credit score went down XXXX points. I ended up choosing a secured credit card which I am not using yet because I need to make a deposit due to me realizing in horror that my credit had suffered a Hard Inquiry and went down XXXX points. 

XX/XX/2024 : I tried for hours to contact customer service on their chat but no one ever answers. After more hours I found a number to Credit Karma which I believe they try to hide to not face their dishonest practices and disgruntled customers. I found out that this company is already being sued for these practices in the past! Had I known this I would've deleted the app and steered clear of this so-called company. The customer service rep said he would direct my issue to the appropriate department, and someone would contact me, but I am still waiting. I want them to fix my credit score and give me back those XXXX points.
Consumer complaint received 2023-05-07
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-02
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Resurgent Capital Services L.P. (SC)

C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXX started reporting XXXX accounts that were included in my bankruptcy in XXXX. The problem is Resurgent is claiming these accounts were opened in XXXX while I was under bankruptcy which is very much incorrect. One account was XXXX XXXX # XXXX & XXXX XXXX XXXX # XXXX Both accounts were under XXXX XXXX which was under my bankruptcy in XXXX. The problem I have is no accounts should be sold to these shady companies to try and double collect on accounts that were under FEDERAL BANKRUPTCY. These accounts were removed from my credit during bankruptcy and within the last 2 years, Resurgent has started posting them as non-paid accounts. The bankruptcy attorney has contacted them and told them these were part of the bankruptcy with the account # 's and yet they still are saying that I got the accounts in XXXX and I never got any of these accounts in XXXX as I was still under bankruptcy. Every time I have tried to tell Resurgent this they call me a liar I think I would have known if I had gotten those during the time I was under bankruptcy and that is against the federal bankruptcy to open any accounts like that. I plan on filing a lawsuit because these accounts should have never been added to my credit report! Being they were bought by a 3rd party makes it even more shady that the banks were lying. I want this fixed as I stated I plan to sue for damages to my credit report and the XXXX this has caused my health. In the paperwork, it shows LVNV FUNDING ON BOTH ACCOUNTS XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

XX/XX/2019 the amount of {$960.00}, I have dispute this many times using XXXX, that this was a credit card fraud. Its showing in my credit that the account information disputed by consumer, meets FCRA requirements. Its already been 1 year and 11 months.
Consumer complaint received 2018-11-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (SC)

I HAVE A XXXX XXXX CREDIT STEPS PROGRAM CARD, IN THIS PROGRAM IF YOU MAKE YOUR CREDIT CARD PAYMENTS EARLY OR ON-TIME XXXX XXXX WILL ADVANCE YOU TO A XXXX CREDIT CARD A ND RAISE THE CREDIT LIMIT FROM {$300.00} TO {$500.00}. I COMPLETED THE PROGRAM SUCESSFULLY AND WAS GRANTED THE XXXX  CARD W/ {$500.00} LIMIT. UNFORTUNALEY INXX/XX/2018 WE HAD A DECLARED NATURAL DISASTER " MICHEAL '' THAT HIT SOUTH CAROLINA XX/XX/2018 I IMMEDIATLEY CONTACTED XXXX XXXX TO MAKE THEM AWARE AND I WAS TOLD THAT A NATURAL DISASTER CODE WAS PLACED ON MY ACCOUNT TO AVOID HURTING MY CREDIT RE : LATE PMNTS ON THIS ACCOUNT. XXXX XXXX  STILL CONTINUED TO LEAVE THE LATE PMNT DELINQUENCY ON MY CREDIT FILE AFTER SPEAKING WITH ME ABOUT THIS SEVERAL TIMES. I WAS NEVER GIVEN ANY INFORMATION OR ADDRESS TO SUBMIT MY DOCUMENTATION TO REMOVE THE LATE PMNT FROM MY ACCOUNT " WHICH THEY DO HAVE AVAILIBLE '' XXXX XXXX KEEPS GIVING ME THE RUN-AROUND IN RESOLVING THIS ISSUE AND IN RETURN THIS IS RUINING MY CREDIT SCORE.