davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (TN)

I lived in an apartment complex owned by XXXX XXXX  ( the original creditor ) ( XXXX XXXX XXXX XXXX, XXXX, TN XXXX ) until around XX/XX/23. My wife and I vacated the apartment after the landlord elected not to renew out month to month lease. XXXX chose to arbitrarily do this after a disagreement between them and myself.

We left the apartment before the agreed upon time and with our rent paid in full. The apartment was also in about the same condition as when we first moved in with reasonable wear and tear after living there for two years. When we left we let XXXX keep our {$400.00} deposit to compensate them for any cleaning or repairs they might have to make. But also because their process for getting the deposit back is convoluted and we were told by previous tenants its almost impossible to get back anyway. After leaving I left the property owner a negative review outlying my bad experience with them. 

They had both my wife 's number and mine and I did not hear from them for 8 months Around the beginning of this year ( XXXX ) I received a notification that XXXX had sent an account for me to collections ( RentDebt Automated collections ) ( XXXX XXXX XXXX XXXX XXXX, TN XXXX ) for {$1000.00}. I received no calls before hand from neither the original creditor about an outstanding bill or the collections agency before it showed up on my credit report negatively impacting my credit. 

I have disputed the collections and original debt with XXXX credit agency as well as the collections agency as not being valid. I also sent a letter by mail to the collections agency asking for additional information and for them to prove that the debt is mine. Neither agency has made any concrete step to verify the debt as being legitimate outside of contacting the original creditor to ask if the debt is valid. They have instead told me it is up to me to prove that I do not on the original creditor money. 

As I stated earlier in my complaint we left before they asked us to, the rent was paid up and the apartment left in reasonable condition. They also kept {$400.00} which should have offset any additional cleaning they needed to do. There is no justification for them sending us to collections for {$1000.00}. Furthermore if they did feel like we owed them they or the collections agency should have made a reasonable attempt to collect on the debt before sending it straight to the credit monitoring agency and hurting my credit. 

Finally it should fall on soard or the collections company to prove that the money is owed which I know they cant outside of a " bill '' that XXXX XXXXXXXX up 8 months after I left the apartment.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-02-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (CA)

I created a XXXX and XXXX  account with Marcus by Goldman Sachs in XXXX XXXX. My account has been locked after I attempted to make an outbound transfer. I called around 10 times through recent months and did a notary service to validate my identity per their request but they are still not able to unlock my account. Every time I called them, they just kept saying some one was working on reviewing my account and let me call back in another couple of business days. Now i just want to get my money back. Please help. Thank you!
Consumer complaint received 2024-02-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (FL)

On XX/XX/2024, I called West lake Profolio Management and explain my concern to them, I was put on hold for at least 45 minutes and then agent told me they sold the company and my warranty didnt go with the company and now that my transmission is broken they wont fix it .i was then put on hold for another 20 mins then they hung up the phone as I was on hold. I called again and they hung up, I never got my concern resolved .For a company whom harass me for money and repeatedly calls and threatens me for being {$2.00} off, when I have an actual concern I cant seem to solve it going through them. Im extremely frustrated with the customer service and I would like to further and take legal actions.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (IL)

I believe I am victim of XXXX XXXX. My identity was leaked in the XXXX data breach. I disputed these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with XXXX, XXXX and XXXX. However, the accounts have not been removed from my credit report. I have attached the identity theft report to this report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-02
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. (NY)

On XX/XX/XXXX my credit card was charged {$680.00}. This transaction was fraudulent and wrongfully charged. It was supposed to be {$68.00}. I had submitted a dispute with the Citi, and indicated that the merchant for which wrongfully charged me was not willing to refund me, or in this case Citi. Therefore, Citi would not honor the dispute and favored the merchant. The dispute was closed on XX/XX/XXXX, and when I contacted them a second time about it, they reopened the dispute and attempted again but ending in the same result as of XX/XX/XXXX. I have since contacted Citi about closing my account because I do not feel as a reliable customer I am protected from fraudulent charges. They mentioned being willing to credit me some if I do not close the account. It is frustrating and wrong that they are willing to credit me " some '' amount if I do not close the account ; rather than honor my dispute in the first place. I am in contact with them about this credit to which they are now saying they will not provide.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: GOLDMAN SACHS BANK USA (NY)

I sent this to XXXX XXXXXXXX, XXXX, and Goldman Sachs. 

I hope this letter finds you well. I am writing to inform you of my decision to exercise my rights under the provisions of 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) regarding the sharing of my nonpublic personal information.

As a federally protected consumer, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I may have previously given to your institution for the sharing of my nonpublic personal information with non-affiliated third parties including the consumer reporting agencies for any purpose I wish to exercise my right to safeguard the privacy and security of my personal information and to restrict its sharing with third parties, particularly for marketing or other purposes not directly related to the financial services I have with your institution. 
Please take immediate action to ensure that my nonpublic personal information is not disclosed to non-affiliated third parties and consumer reporting agencies in violation of my opt-out request. I trust that your institution will comply with all applicable federal regulations and laws, including the GLBA, to protect my privacy and information security. 
I kindly request written confirmation of my opt-out request, acknowledging that my decision has been processed and implemented.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Conn's, Inc. (TX)

I want to refile this please as my formal complaint to CONN CREDIT CORP /CONN APPLIANCES INC for still allowing the fraudulent account on my credit report. I filed an identity theft with the FTC report number XXXX As I rechecked my credit report this fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports but they seems to neglect the responsibilities to provide accurate information to my credit report.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (NY)

I previously reported inconsistencies with the CFPB and in turn I have been harrassed by each creditor through text and email. All accounts where falsely updated with new delinquency dates which resulted in all of the accounts resetting to a new 7-year term on my credit report. THIS IS ILLEGAL.
Consumer complaint received 2024-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Caliber Home Loans, Inc. (TX)

I paid my payments on time for the whole year. The mortgage company never paid my homeowners insurance. The insurance company dropped me due to none payment. The mortgage company took out insurance to only cover the loan no content. Now I try to get new insurance and the insurance is 2x as much. Which I do not have. The company is caliber home loans
Consumer complaint received 2020-08-07
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: Experian Information Solutions Inc. (NJ)

I've wrote through several letter attempts to remove inaccurate information and accounts that are in FCRA violations from XX/XX/2020-XX/XX/2020. Multiple accounts are in FCRA ( DOLA ) Date of Last Activity violation by re-aging an account, The accounts are reporting inaccurate and different high balances, The accounts are reporting different and inaccurate Account Status, The account are reporting accounts Dispute status as : Account not disputed when the account has been disputed multiple times which, is a FCRA violation. Some accounts were transferred and/or sold and still reporting a balance, this is a FCRA violation. Several collection accounts are reporting a payment status, which is a violation. Collection accounts are closed and should not report late payments.
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 2024-02-02
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: The Bureaus, Inc. (LA)

This company is reporting incorrect information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so that I may review to see if this is actually an account that belongs to me. Also per the XXXX the said agency isn't licensed to collect debt in the state of Louisiana as I have also requested their license number to conduct business in the state of Louisiana which I have yet to receive. 

15 U.S.C 1681
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (WI)

closed account on XX/XX/2023 and they are still adding this fee of {$8.00}. Called 5 times to cancel because account has been closed but they are still charging me and won't refund the charges since I closed account. The First Digital Mastercard is an expensive unsecured credit card for people with limited or bad credit. It charges a {$95.00} program fee prior to account opening and has a {$75.00} annual fee the first year. Then, starting year two, the annual fee drops to {$48.00} but is joined by a monthly fee of {$8.00}. 

Credit Card Company FIRST DIGITAL XXXX XXXX XXXX XXXX XXXX SD XXXX Cardholder Services XXXX Account Number : XXXX XXXX XXXX  XXXX Account holder : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX
Consumer complaint received 2024-04-08
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. (OH)

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. 
XXXX XXXX XXXX XXXX {$7400.00} XXXX XXXX {$37000.00} XXXX XXXX {$1900.00} XXXX XXXX {$810.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$730.00} XXXX XXXX {$730.00} XXXX XXXX XXXX  XXXX {$1800.00} XXXXXXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$96.00} XXXX  XXXX {$200.00} XXXX XXXX XXXX {$8400.00} XXXX XXXX {$4000.00} XXXX XXXXXXXX {$130.00}
Consumer complaint received 2023-02-27
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. (AR)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX  XXXX Balance Owed : {$490.00} XXXX XXXX XXXXXXXX Balance Owed : {$610.00} XXXX XXXX XXXX Balance Owed : {$680.00}. I am formally submitting this CFPB Complaint to update the following account in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission.
Consumer complaint received 2024-02-02
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

USAA Investigated and said it was a valid transaction. I still do not have the tickets or access to them. Basically I paid for an item I do not have. I have also contacted XXXX XXXX and their web site says no record of a purchase ; XXXX XXXX : XXXX. On XX/XX/XXXX, I attempted to purchase two tickets for the XXXX XXXX XXXX in XXXX, Ohio, via XXXX website. Once on the XXXX site, conducting the purchase, agreeing to the price of {$420.00} per ticket, a total of {$850.00}, for two tickets, put in my credit card info for his purchase, and the site switched to XXXX XXXX, and the price jumped to {$1800.00}. I tried to cancel the purchase by calling the company directly after noticing the switch. They refused to cancel the purchase and suggested I resell the tickets alone. I explained what happened, and they couldn't care less. I then contacted my credit card provider, USAA Federal Savings Bank. They closed my card due to a fraudulent purchase and reissued a new one. Subsequently, on XX/XX/XXXX, these charges reappeared on my new card, and the credit card company asked that I try to work it out with XXXX XXXX. I communicated with XXXX XXXX via chat on XX/XX/XXXX, asking them to refund the purchase, and they refused, stating I could resell the tickets. Interestingly, when I put the XXXX ID : XXXX and my email on their website, it returned, " The information you entered does not match our records. Please try again. '' I also told the lady on the chat, and she said, oh well, you should get your tickets in XXXX. I have paid them {$1800.00} for XXXX XXXX XXXX  Tickets ( I do not have ) and Parking {$130.00}, for a total claim of {$1900.00}. This company is a scam, a ripoff, and a hazard to hard-working Americans and this great nation. Based on my experience and the XXXX XXXX XXXX that reviewed and filed a similar complaint against this so-called company, they need to be shut down and not allowed to do business. XXXX XXXX XXXX
Consumer complaint received 2024-02-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PROFICIO FINANCIAL SERVICES, LLC (WA)

I was seeing a XXXX from XX/XX/XXXX to around XX/XX/XXXX, on my visits I would receive an invoice with the portion of the bill that I owe and I would pay that amount each time I was asked to. 

The last time I received an invoice from this provider was on XX/XX/XXXX at which point I paid the outstanding balance that I owed at that time ( according to their billing ). No subsequent bills have been received by me ( either by mail or electronic format ). 

Starting around XX/XX/XXXX I started to receive collection calls ( initially thought they were scams since I get those a lot ) but finally discussed my account with the collection company and verified it was related to the XXXX charges I referenced above. I reviewed my own EOB 's from the previous year and confirmed the charges are consistent but again, I had never received ANY communication from this provider regarding outstanding charges since that bill I paid, nothing in the mail, no email or phone communications- they just sent it to collections. 

I plan to pay the charges I owe but do not feel that I owe the interest since no attempts to collect on that debt were ever made by the provider.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (AL)

On XX/XX/XXXX I had a credit score of XXXX amongst the three credit bureaus. Between XX/XX/XXXX and XX/XX/XXXX, your credit card account with KIKOFF/CCB was removed from your credit report. This was not my account, I did not sign up for this, I had no knowledge of this. As a result my credit scores dropped 28+ points. After reaching out to kickoff I was told that this was a reporting error and that it would be removed. As of XX/XX/XXXX it has been added, removed, and added again ( still on my credit report ). As a result of this my credit scores are down XXXX points.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I opened a Citi Business Checking Account in branch in XXXX XXXX, CA. I was enrolled in a promotion that required I make a deposit with 30 days, then hold the funds for an additional 60 days to receive a {$750.00} bonus. On XX/XX/XXXX, within 30 days from opening the account, my account balance reached {$20000.00}. I maintained that balance through beyond the following 60 days, per the terms. The terms stipulated that the bonus would be paid within one month, following the end of the month in which I met the terms, which was XXXX. Per the terms, the bonus should have been paid at the end of XX/XX/XXXX. As of XX/XX/XXXX, over a month since the payment deadline, the bonus has not been paid. I have called the bank regarding the bonus and the representatives have let me know that I have met the terms but tell me to wait. I would appreciate the bonus being paid now as I have met the terms.