davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-08
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. (NV)

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 USC1681. 

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 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 2023-01-08
Product: Credit card or prepaid 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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Citibank Associates : I have received a letter with your investigation results and I am formally asking for an appeal because I do not agree with your findings. First, I have not been informed of the arbitration details that caused you to deny my request to refund the inappropriate charged amounts to my account. Second, I would like a clear understanding of why the details, documents and information I have provided to you is inadequate to prove that I did not receive items charged to my account and hired other vendors to complete the improvements to my home. Third, I would like to know why even though the information I sent to you was pushed back from the merchant, that you, the company that I have done business with for two decades, has not protected me with your own fraud resources.

I look forward to your responses. 
Respectfully submitted, XXXX XXXX XXXX CITIBANK CUSTOMER SERVICE XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-05-12
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Ingo Money, Inc. (MO)

There was a {$500.00} check load to my account on  XXXX   XXXX ,   XXXX   and was also cashed with a check cashing place in  XXXX   XXXX  as shown in the descriptive email ingo collections sent me on the  XXXX  of  XXXX . I tried to explain to the Man I talked to at ingo collections that this wasnt me and that I 'm not familiar with any  one  who stays in  XXXX   XXXX , which is where he stated it was done at. I told him it was fraud but he said to me he nothing to do with that, that i should report it to the police and i still have to pay them the money regardless
Consumer complaint received 2023-02-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Pressler & Pressler, LLP (NJ)

Pressler and Pressler, L.L .P file a motion to turn over funds from my bank account they enter a judgment they say in   XXXX   For the sum of  XXXX  plus cost from   XXXX   XXXX   XXXX   XXXX   XXXX   they already levy from the account  XXXX  on  XX/XX/XXXX  they give false statement to the court that they hold the debt to collect I file a claim before to cfpb the  XXXX   XXXX   XXXX  said they sold the account to  XXXX  and the no longer have the right to collect but they has the civil action against me they said they will continue with collection process
Consumer complaint received 2023-02-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected or update. : XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$9400.00} ; XXXX XXXX XXXX Balance : {$23000.00}.
Consumer complaint received 2023-01-09
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. (AR)

XXXX is reporting a {$27000.00} balance on my account, and showing it as a charge off on all XXXX major credit bureaus. My online XXXX account shows they received over {$14000.00} for my vehicle that was illegally repossessed. It shows the payment posted on XX/XX/XXXX, yet on XX/XX/XXXX they also again reported a {$27000.00} charged off balance, instead of the {$9000.00} balance that my XXXX account shows. They also still have not subtracted my service contract amount of {$3500.00} that I was not allowed to use, never used and never received paperwork on. I have disputed this since I purchased the car in XXXX because I was forced into it after being told it came with the new car purchase, which is deceptive practices. I was never notified of the sale of my vehicle either. I want XXXX to completely delete this account from my credit report immediately since they have continually reported wrong information and refused to fix it. There is no reason that they should be allowed to continue to cause me further financial and credit harm.
Consumer complaint received 2022-11-23
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2022-11-23
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. (NC)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (NJ)

An identity theft claim was filed due to unauthorized charges on my account. I went back and forth with td bank to correct my account. In XX/XX/2022 the last correspondence I received about my claim stated my provisional credits were finalized and now permanent meaning I was not liable. Now Im receiving communication from an agency on their behalf for $ XXXX that I do not owe. This is illegal and I want this remedied
Consumer complaint received 2017-03-23
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: FORD MOTOR CREDIT CO. (CA)

This collector comes to my home at night during the week and early weekend mornings in addition to random afternoons. They bang on my door and speaks threateningly to my family. They have been asked to not come back, yet they do repeatedly. I have it on video this person coming to my home near XXXX and banging aggressively on my door and ringing my door bell, awaking my and scaring my young children. This person peeks in through my windows and parks his car in front of my house waiting for me to come outside. This person has been instructed to not come back to my home, yet they do repeatedly, often before XXXX on the weekends and after XXXX during the week. I am scared now for my son to walk home from school because the threatening tactics being used. I have submitted a Cease & Desist letter to this company.
Consumer complaint received 2023-02-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I have been searching for a home since last year. I locked in a rate with XXXX by paying a returnable {$500.00} fee if I dont get approved. I finally found a condo and put in a offer. I was pre approved for 20 % down. I was also told the rate expired so it went up. Fine.. We did appraisal and investigation beginning for escrow, which opened on XX/XX/XXXX and closes on XX/XX/XXXX. 9 days before closing, they let me know I will have to sell my car and put a 25 % down. When I asked for my deposit back, the agent let me know it already went towards the appraisal. A few weeks later I get hit with another {$590.00} bill from the company. I later on find out its a bait and switch scam.
Consumer complaint received 2017-05-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Atlas Credit Company, Inc. (TX)

I have received numerous amounts of calls DAILY since  XXXX / XXXX /   17  at both my place of employment and personal cell. I stated to the employees (  XXXX  and  XXXX  ) and a gentleman, that I would pay it on Friday  XXXX / XXXX / 2017 , but unfortunately not able too. I called left messages that I would pay it when I could as I was always working late and they were closed and were n't open on weekends also, being in and out of the hospital. Today  XXXX / XXXX / 17 , the gentleman stated very rudely that he was calling me to collect his money and I stated to him that I was going to complain about them due to them harassing me at work and he stated they do that to everyone and I informed him that was stated in the contract that I signed and by state law that they can not harrass people at their place of employment. He proceeds to tell me that he wanted to know the name of the law firm i was dealing with and that they were gon na send someone today to my job, and i stated to him if they did they would get arrested, The entire time  XXXX , is in the background being very unprofessional and cursing and stating that noone was going to get arrested and just downright rude. I plan to pay them but when I have the funds to pay them, but I 'd rather pay another store then this store and they are very rude and need to be put out of business.
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VT)

Friday, XX/XX/XXXX - Activated card via telephone with a person. All set. 
Monday, XX/XX/XXXX - Tried to use card to purchase from XXXX XXXX and card was declined. Problem : Invoice in husband 's name, only my name on card. 
Tuesday, XX/XX/XXXX XXXX - Called, spoke with an agent he said he " unlocked '' the card and added my husband on the card. All set. 
Tuesday, XX/XX/XXXX XXXX - Tried to place the order again. Card was declined. 
Wednesday, XX/XX/XXXX XXXX - called, agent verified my ( 2 ) phone numbers but the ( 2 ) phone numbers were not mine nor ever been mine????? He took my ( 2 ) numbers again and after 20 minutes he said my card was " unlocked ''. All set. 
Wednesday, XX/XX/XXXX XXXX - Tried to use card to purchase from XXXX XXXX and card was declined. The message from XXXX XXXX : XXXX  XXXX XXXX : transaction failed. This transaction has been declined ; SEC Code 175 with account # XXXX XXXX thru XX/XX/28 SEC Code 175. Translation : the SEC Code on the card doesn't go with the Account number on the card. 
BANK OF AMERICA VISA US and XXXX XXXX International Collect XXXX Is this fraudulent or a scam?
Consumer complaint received 2023-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (NJ)

An identity theft claim was filed due to unauthorized charges on my account. I went back and forth with XXXX XXXX  to correct my account. In XX/XX/2022 the last correspondence I received about my claim stated my provisional credits were finalized and now permanent meaning I was not liable. Now Im receiving communication from an agency on their behalf for $ XXXX that I do not owe. This is illegal and I want this remedied
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sent a letter on XX/XX/2023 requesting to remove inquiries that were not authorized. I have waited over 45 days and received no response. I called and they stated I needed to send another letter with my request. I opted to chat in so I had chat transcripts and they refused to remove the inquiries that were not authorized.
Consumer complaint received 2023-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-02-02
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. (IL)

In accordance with fair credit reporting act XXXX  account # XXXX U S Dept of Ed/XXXX has violated my rights.

15 USC 1681 section 602a states I have the rights of privacy.

15 USC 1681 section 2 the off state consumer report agency can not report without my written instruction.
Consumer complaint received 2021-04-27
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated (AL)

On XX/XX/2021 I tried to use my card to order online it wouldnt take it. Then later that night I tried to purchase food but it declined and theres money on it. Talk about embarrassing. It was working fine earlier that day. Ive never experienced that problem ever. I havent been able to speak to someone directly. Thats just weird! I have bills to pay and I cant even touch my money.
Consumer complaint received 2017-05-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NH)

I own a  2nd floor office condo in an 18-unit, 6-story, 120-year old bu ilding  XXXX   XXXX   XXXX . In  XXXX ,   XXXX  , Peoples United Bank told me I had 30 days to purchase flood insurance on my property in  XXXX  or they would purchase it for me. I began the process and discovered that it was not possible to get this done in 30 days. In the meantime, the bank went ahead and purchased a policy for {$7500.00} and billed me for it. I managed to purchase insurance by  XXXX ,   XXXX   for {$2100.00}. Later, I discovered that the rest of the condo owners paid between $  XXXX  $  XXXX . This year I will renew at this cost. Also, none of the other condo owners were given this kind of a time frame.   The bank has deducted {$1800.00} out of my mortgage payment account, putting the account in arears and charging me for late payments. I have paid {$3900.00} for {$500.00} worth of insurance. I also have an engineering report stating that in reality, only the basement is considered to be in a flood zone ; none of the units in the building are. I also have a letter from FEMA station that the chance of our unit flooding is slim to none.   I am looking for the bank to return the {$1800.00} theyve withdrawn, remove any late charges, and make my account current. Ive made many calls to the bank, but theyve gone nowhere. My issue is not flood insurance, itself, its the fact that the bank is forcing a {$7500.00} policy on me, when the situation was not urgent.