davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-30
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. (OH)

XXXX XXXX Credit Card customer service refused to correct a missed payment error reported to the Credit Bureau, even though clearly I have never gone more than 30 days making a payment. 

XXXX XXXX XXXX website consumer information regarding late payments, " a late payment shouldnt affect your credit score until its gone unpaid for at least 30 days, making your minimum payment before it goes 30 days past due can help prevent further problems. '' XXXX XXXX XXXX customer service would not acknowledge the due date of XXXX on the billing statement as the determination for 30 day late reporting, rather they said the billing cycle was the basis and refused to correct the error of missed payment reported to the credit bureau. 

https XXXX XXXX
Consumer complaint received 2018-04-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I contacted a seller on XXXX for tickets to a concert on the same day. The seller was supposed to send me the tickets right after the XXXX transfer. The seller shared his details with me after I spoke to him on the cellphone. He chose to transfer via XXXX and not via XXXX or XXXX. After I made the payment of a XXXX XXXX the seller stopped responding to my texts, deleted the XXXX  post and also blocked my number. I immediately called XXXX and they said they can not help me since the transfer has already been initiated and they are not a bank controlling the fund transfer. I then called Bank of America and they said since it was a voluntary transfer they can not refund the money. They also said they can not help with any fraudulent protection and refused to refund me the money or cancel the transfer.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

Bank XXXX in XXXX RI sold my mortgage to XXXX XXXX XXXX NJ on XX/XX/2024. I had no choice in this matter and a bunch of mortgages were sold. 

XXXX ) The day the sale went through, XX/XX/2024, my XXXX XXXX plunged XXXX points. It still has not come back up to what it was. 
XXXX ) I received a letter of Delinquent Property taxes from the XXXX XXXX XXXXXXXX RI which is where I live. Property taxes were due on XX/XX/2024 and they have not been paid. In a few days the XXXX of XXXX will be charging me daily penalty fees if these taxes are not paid,. I have an escrow account with XXXX Mortgage that was transfered to them by XXXX XXXX. This account has close to {$5000.00} in it. I have never been late with a payment to Bank XXXX or XXXX mortgage. 
XXXX ) I have pleaded with both banks to resolve this matter. I have been trying to get this resolved for a while and provided XXXX the letter of deliquency a week ago.. Neither bank will pay the property tax which is approx {$1700.00}. I have paid for the taxes already via escrow. XXXX still says they are not liable for taxes due before XXXX. Bank XXXX says they are not responsible for anything after XX/XX/2024. Lots of other people in my town are experiencing this exact issue because their mortgage was also sold to XXXX. I believe XXXX is at fault but don't really know how all this works. Please help! 
Thanks, XXXX XXXX
Consumer complaint received 2023-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

3rd Request : Request for Debt Verification Regarding Recent Collection Notice I have no prior knowledge of the debt in question, and to the best of my recollection, I have not entered into any agreement or arrangement with your agency regarding this alleged debt. Given this circumstance, I believe it is within my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request verification of the debt in question. 

As per the FDCPA, specifically outlined in Section 809 ( b ), I have the right to request validation of the debt. This section states : " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; and ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. '' In accordance with this provision, I am formally requesting verification of the debt mentioned in your recent communication. I kindly request that you provide the following information : The amount of the debt. 
The name of the original creditor to whom the debt is owed. 
Any relevant supporting documentation validating the existence and legitimacy of the debt. 
I understand that, as per the FDCPA, upon receipt of this request, you are obligated to cease collection efforts until the necessary verification is provided. I appreciate your prompt attention to this matter and look forward to resolving any discrepancies regarding the alleged debt.
Consumer complaint received 2022-09-08
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: Experian Information Solutions Inc. (GA)

My credit profile is reporting that the Bankruptcy information was verified by the Northern District Court on XXXX XXXX XXXX, XXXX floor, XXXX GA XXXX. This is FALSE. This account has not been properly verified and validated.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

PNC BANK SMART ACCESS IT HAS BEEN 2 1/2 YEARS NOW I HAVE BEEN TRYING TO GET MY FUNDS OUT OF MY ACCT. I HAVE BEEN GIVEN THE RUN AROUND FROM XXXX OF XXXX AND TOLD NEMOURS TIME SOMEONE WOULD CALL ME BACK AN TILL THIS DAY THEY HAVEN'T BUT IS TAKING THE XXXX MONTHLY FEE FROM MY ACCOUNT. IN XXXX I WAS TOLD TO GO TO BANK BRANCH IN SHOW MY ID AT WHICH I DID. AS OF TODAY XX/XX/XXXX THEY STILL HAVEN'T RELEASED MY MONEY. TODAY I WAS TOLD AGAIN THAT THE XXXX WOULD DO A EXLACTION ON THE ACCOUNT. THE ACCOUNT NOW HAS XXXX WHICH THEY OWE ME XXXX
Consumer complaint received 2024-03-30
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. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX  Date of Inquiry XX/XX/year>XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX  XXXX of Inquiry XX/XX/year>, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>XXXX XXXX XXXX  Date of Inquiry XX/XX/year>
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

I had some fraud on my account and money was taken I contacted my bank and they investigated it and gave me a permanent credit back on my account. I called my bank and told them I keep receiving calls from my bank Citi Bank asking me for my online username and password. I suspected that it was fraud so I called my bank and they said yes that's a fraud we would never call and ask for that information I was told by the callers that called me my account was blocked I received 4 fraud calls in one week. then money was taken out of my account unauthorized by me. after my bank investigated and determined I would receive a permanent credit back to my account. I never received a letter or an email or a phone call from Citibank in regards to my account being blocked by them I happened to log on to my online account and it was blocked all my money in my account my direct deposits go to that account and it said online to call them when I called they kept saying for security reasons we can't discuss it with you after verifying all my information they would not tell me anything finally I spoke to a fraud supervisor and he told me they are closing my account and I would receive a letter never received a letter and it will take 30 to 60 days for them to send me a check with my money. no warning no notice nothing that is money I worked hard for I have deposited it into their bank and there keeping my money for up to 60 days. this has caused me to have no food, my car insurance canceled and my water turned off I spoke to them about 10 times begging them to please give me my money now I need it to survive they told me I could go to a branch and have a branch give me my money all the branches in Fl are 4 to 5 hours away. I need my money to survivor
Consumer complaint received 2023-06-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (NY)

On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX ( now closed permanently ) to purchase a used car that I saw on their website. The car was advertised for {$12000.00}. I went to the dealership with a down payment of {$2000.00} with the impression that after taxes, dealer fee, and registration fees my total payments owed will be no more than {$15000.00}. The dealer or owner Mo did the whole transaction with me which was all rushed never gave me the time to look over the contract or the finance agreement. He ended up giving me contract with a 22.99 % APR, charging {$8800.00} finance charge ( that is NOT on the itemized bill that I signed ), with a loan term of 60 months with monthly payments of {$350.00}. ( obviously the numbers just doesn't make any sense ). There is no explanation of where the finance charge is coming from on the contracts. I left the dealer ship that with a XXXX XXXX XXXX. One week later on a trip from XXXX XXXX to XXXX NY the car broke down on the highway and I had to get a tow company to tow the vehicle to a local shop. I called the dealership the next day and told them exactly what happened they agreed to cover the cost of getting the vehicle back to XXXX to their mechanic however, that did not help me in getting back to XXXX. There was no communication from the dealership in regards to when I will get back the car or IF I will be getting back the car. I had to keep reaching out to them for the several days during this time, with no transportation to work. After 4 months of getting mechanically unfit cars to use from a rental company they worked with ; XXXX XXXX XXXX decided finally take the time out to get me into another car as the XXXX XXXX had a bad engine and they were " waiting for XXXX to approve a warranty replacement ''. In what I thought would be a fair negotiation he ended up giving me another contract XXXX XXXX, XXXX for a XXXX XXXX XXXX with an APR of 22.99 %, FINANCE CHARGE of {$9700.00}, car value of XXXX, and term of 66 months. With " lower '' payments of {$330.00}
Consumer complaint received 2024-04-26
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Credit Corp Solutions Inc. (VA)

I received a call from Credit Corp Solutions from XXXX on XXXX XXXX at approximately XXXX XXXX XXXX. The phone call came to a business line. When the phone was answered the representative of Credit Corp only ask if I was XXXX. I stated, " yes. '' She then began to read the notice of collection. During this call there was not verification of to whom she was speaking. She disclosed an address and the complete date of birth. ( Month Day Year ). I stated that that was a violation and she did not verify with whom she was speaking. She attempted to justify that when she asked about the address and I did not state it was not the correct address. I asked to speak with a supervisor. It took about the time of our call to get the supervisor on the line. I confronted the supervisor of the associate not verifying the person on the line. She repeatedly asked if I was XXXX. She asked if she should take the number they called off their call list. I repeated to ask how they would handle the violation. She refused to address the concern.I advised I would contact the FCC ( I meant the FTC ). I then ended the call and place this complaint, and request sanctions and fines based on the out come on the review of the recording. I fear the recording XXXX be lost because of the way the supervisor handled our conversation.
Consumer complaint received 2023-06-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Convergent Resources, Inc. (UT)

The following collections agency has re-aged a debt from XXXX that was originally reported on my credit history XX/XX/XXXX. It is now showing an open date of XX/XX/XXXX.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint XXXX. 
I am rejecting this response because : Great you just admited you are not a creditor of mines. Therefore you have no right to report as a creditor XXXX XXXX XXXX on my credit report .You are breaking 15 U.S. Code 1692e - False or misleading representations AS ONLY creditors can report to credit reports .You admitted per last response that you arent a creditor of mines and have not provided any validating documents that I previously requested and also breaking 15 U.S. Code 1692g - Validation of debts.As in XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX. XXXX ), you are liable for your willful non compliance .This is my third documented request from XXXX  ASKING YOU TO PROVIDE any of the contract signed between YOU DEBT COLLECTOR ABILITY TO COLLECT THIS ALLEGED DEBT.You obviously ignored my first request which is documented and has been sent to FTC and CFPB for willful compliance .You are taking advantage of consumers especially me being on a fix income .and about to be homeless I was denied being approved for a Mortage due to transunion allowing XXXX XXXX XXXX to insert this false account on my credit Please remove yourself from my consumer report before I file ligation. transunion please send me a updated copy of my credit report because I still have received it its XX/XX/2024 didn't haven't got it because this my third time disputing this false account with you this false derogatory collection still failing to comply with reinvestigation
Consumer complaint received 2022-09-08
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. (FL)

In accordance with the Fair Credit Report act. the list of accounts below has violated my federally protected consumer rights to privacy under 15 USC 1681 XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$6900.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number xxxxxx XXXX XXXX  Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) section 2 : it also 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 consumer to any consumer reporting agency if the privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Conn's, Inc. (TX)

On XX/XX/2023, it has come to my attention that Conn 's ApplicanceXXXX XXXX XXXX XXXX XXXX XXXX XXXX has included an unfavorable remark on my credit report, as indicated by XXXX XXXX. I want to assert that this account is fraudulent and was never associated with me. Upon conducting a thorough investigation, it has become evident that this account has been transferred or sold, and I bear no responsibility for this fraudulent activity. Additionally, the credit agency responsible for this collection has failed to verify its legitimacy, and no written communication, contact, or signature pertaining to this alleged debt has been provided. It is essential to recognize that a bill lacking a signature does not validate the debt, as anyone can send an invoice and falsely claim it as mine. In light of these circumstances, I must highlight that ( Company ) has violated my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Consequently, I am requesting immediate legal action to rectify this matter by removing the account without delay.
Consumer complaint received 2020-12-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-04-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

I went to log in us bank app and was directed to call bank upon doing so I was told there was suspicious activity on my account and they locked it for my protection all is unlocked I can go use my atm got to atm and wrong!!!! Was directed to call bank so I did so again this person told me my account was closed! No reason as to why just that the bank closed it! I explained I owned it only yesterday why would it be closed 1 day after opening never in my life have I ever had this happen I was told I couldnt get my money they would mail it in the form of a cashleirs check I was livid given this was all the money I had!
Consumer complaint received 2023-01-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lendmark Financial Services (KY)

XXXX lendmark financial contacts me and informed me that none of the electronic checks they have turned in have not been paid and they have already destroyed my credit and were threatening to sue me, so I contacted my bank to inquire if they had been paid my bank statement reflected payment to them when they turned it in on the correct date they were not paid on some dates because they failed to turn in to my bank and want me to pay for it that's not going to happen I have retained a attorney and going to file breech of contract with courts they're also charging me XXXX different interests rates is that legal
Consumer complaint received 2023-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IL)

I sent a XXXX payment for landscaping work and got scammed. There was no show and I have contacted the person with no response. The date of the XXXX payment was XX/XX/2023, the day of the service was scheduled also for XX/XX/2023. The amount was for {$130.00}.