davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (OK)

I have been a Citibank credit card customer since XXXX. I have always paid my bills on time, and just recently in XX/XX/XXXX paid off my balance and at this moment have an {$180.00} credit on my account. I know I used it in XXXX XXXX XXXX. Yesterday, I gave my daughter, who is an verified user ( her name on the card ) her Citibank card. She is on her way to XXXX XXXX, XXXX and needed to use this card for travel expenses. However, the card would not work today at the airport in XXXX. We live in Oklahoma. I attempted to log into my Citi account and was blocked by supposed safety issues on both XXXX and XXXX. Was not able to access any of my info. Then called Citi to learn by the automated system that my account was closed due to inactivity. After waiting over 20min to speak with a to a CSR , he would not tell me anything, he said he could not discuss my card with me and I should received a letter in the mail in 7-10 business days. He would not say when the letter was mailed or when my account was closed. I never received a notice stating my account would be closed. I have no access to my statements or accounts at all. He would not tell me anything, yet the automated system would. He just kept repeating that I would have to wait 7-10 days and call the number on the letter, which will probably be an offer to apply for another card. NO THANK YOU!!!! NEVER! 

This has put my daughter in a very difficult potentially dangerous situation to be traveling without access to a credit card. 

I will make my situation well known. 

I appreciate any assistance.
Consumer complaint received 2017-05-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North American Credit Services (FL)

This is a medical debt owed by my father.  XXXX   XXXX   XXXX  for a hospital stay due to a  XXXX   XXXX . I am  XXXX   XXXX   XXXX . This is NOT my debt. I have wrote, emailed, and called numerous times. They keep sending my collection notices to my address. My father 's info is  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Fl.  XXXX  (  XXXX  )  XXXX  if they would like to pursue the collection.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Dovenmuehle Mortgage, Inc. (MI)

XXXX XXXXXX/XX/XXXX flagged my account past due on XX/XX/2023 as 30 days late violation of 15 USCode section 602 15 US 1681 b furnishing a consumer report without the consent of the consumer section 604 I am demanding a deletion of this late payment from my credit report 15 USC 1681a ( e ) makes it clear that if a consumer reporting agency investigates something it is known as investigative consumber report.
Consumer complaint received 2023-05-15
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. Account # XXXX ; Balance {$1300.00} Open Date : XX/XX/XXXX. 

XXXX XXXX Account # XXXX ; Balance : {$95000.00} ; Open Date XX/XX/XXXX XXXX Account # XXXX ; Balance : {$48000.00} Open Date XX/XX/XXXXXXXX XXXX Account # XXXX Balance {$2700.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Account # XXXX Balance {$1000.00} Open Date XX/XX/XXXXXXXX XXXX. Account # XXXX Balance : {$8000.00} Open Date XX/XX/XXXX XXXX XXXX. Account # XXXX Balance {$1400.00} Open Date XX/XX/XXXX XXXX. Account # XXXX Balance : {$140.00} Open Date XX/XX/XXXX XXXX  Account # XXXX Balance : {$18000.00} Open Date XX/XX/XXXX XXXX XXXX. Account # XXXX Balance : {$410.00} Open Date XX/XX/XXXX 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 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX I never authorized for the above credit card to be closed. They closed my card without my consent and it dropped my FICO score by XXXX points. Now it's shown to be open and still not reporting opened on the credit agency as well my score is still the same. 

Attached a CC Statement
Consumer complaint received 2017-05-08
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: EQUIFAX, INC. (OH)

There is a fraudulent charge of {$3100.00} from   XXXX   XXXX   on my credit reports. The account was opened on   XXXX     and closed   XXXX     I have never been a customer of  XXXX   XXXX  nor have I ever lived in  XXXX  Ohio, the address of the account holder.     I have filed a fraud check with  XXXX , case #  XXXX  I have filed a report with the  XXXX  Ohio police, #  XXXX  I have reported this information to all  XXXX  credit agencies.   I am a federal employee who was subject to the  XXXX  information theft.     A speedy resolution is very important as I am trying to secure safe affordable housing for myself and my children as soon as possible.     Thank you,  XXXX   XXXX
Consumer complaint received 2023-05-17
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. (AL)

On XX/XX/2023 I sent out 3 letters to each credit bureau, XXXX, XXXX and Transunion. I requested to have 3 particular accounts removed from my credit report, since they were not reporting 100 % accurate information. I made it clear that, reporting laws ensure that bureaus report only 100 % accurate credit information. 

I requested that the information be investigated and DELETED if not fully validated and that I wanted to be provided with proof of the alleged items, especifically the contract/terms with my wet signature. 

I received a response only from Transunion and XXXX bureau, but not XXXX. 

XXXX and Transunion provided me with feedback within 30 days, but failed to provide me with the verification and proof of their investigations. 

On XX/XX/2023 I sent out a second round of letters to each credit bureau in hopes of being provided with a full description of the investigated task of my disputes. I also sent 3 more follow up letters on XXXX XXXX XXXX 

I mentioned that sending out a generic form through the e-Oscar system for the dispute is not reasonable, and that I wanted a full validated investigation with details on how you verified this ( names of people you spoke with and contact numbers ). 

However, I never received a response from neither credit bureaus ( XXXX, XXXX or Transunion ). I have not received a response in over 30 Days.
Consumer complaint received 2023-02-08
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc. (ID)

For over two years I had a renters insurance policy with XXXX XXXX. After a flood my very expensive smart phone was damaged & ruined. I filed a simple claim between $ XXXX as contractually entitled. THEY REFUSED TO PAY THE CLAIM! I IMMEDIATELY CANCELLED MY POLICY AND BEGAN THE PURCHASE OF MY HOME SO I DID NOT NEED RENTERS INSURANCE ON TWO COUNTS. 

THEY ARE RELENTLESS IN THEIR SPOOFING & COLLECTION ATTEMPTS FOR {$170.00}. I DON'T OWE THEM ANYTHING, FROM MY PERSPECTIVE, THEY SHOULD REFUND MY PREMIUMS FOR TWO YEARS & SEND ME AN APOLOGY TO MAKE THINGS RIGHT!
Consumer complaint received 2023-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Transunion has been blately ignoring my dispute for a year now against a Child Support Derogatory that's been hindering my livelihood for 8 years. I never gave written, verbal or digital instructions as it relates to this Derogatory, for Transunion or XXXX CHILD SUPPORT to communicate or report anything on my Consumer Report which is a Clear violation of my Consumer Rights Title 15 U.S.C. 1681b ( a ) ( 2 )... I was never notified by Transunion or XXXX CHILD SUPPORT of the fact that a public record was being placed on my Consumer Report which has created an adverse effect on my employment status ( another violation of my Consumer Rights Title 15 U.S.C. 1681k ( a ) ( 1 ) )... I've been told by an employee of Transunion that I should just wait for this inaccurate information to fall off of my Consumer Report within its 8 year of being reported and the employee also stated that the company has been ignoring my letters of dispute purposely under the impression that I was not myself and I had a professional assisting me with my dispute without verbalizing such claim. The fact that their misusing my identity while reporting inaccurate information " which is another violation of my Consumer Rights '' Title 15 U.S.C. 1681e ( b ), is absurd! this is clearly Identity theft as well as a host of other violations that I can go on and on with and I do intend on exercising my Consumer Rights Title 15 U.S.C. 1681n ( a ) ( 1 ). Also, Transunion has blocked me from making a dispute on their website..
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/23 I went to try to get an auto loan. My transunion was ran and the agent stated it shows I never had a auto loan paid off. I paid the car off XXXX
Consumer complaint received 2018-03-20
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Riverwalk Financial Corporation (IL)

XXXX XXXX XXXX, ( XXXX XXXX original creditor ) put two collections on my credit report unlawfully because the debt was discharged in bankruptcy. I called the company when I noticed the collection was put in my credit report and informed them this debt was discharged in bankruptcy and requested them to remove it. They said they would note that I am disputing the collections. I disputed the two collections with the CRAs and they came back as verified. Then on XX/XX/2018 XXXX called from XXXX XXXX  XXXX and was still trying to collect money from me to " take this off my credit report '' I then told the customer service representative that I don't owe this debt and it was discharged in bankruptcy. When these collections appeared on my credit report, I was in the middle of getting pre-approved for my first home and was denied because of this inaccurate information.
Consumer complaint received 2016-07-30
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Advantage One Credit, LLC (MA)

I borrowed XXXX from advance credit LLC of CA, but when the loan was approved that went to XXXX dollars plus more than 70 % interest plus they have my title plus they installed a tracking device on my car and the loan was consummated in XXXX, 2014 and I still owe more than XXXX, they will not respond to MA state officials or to me about interest rates and possibly working out a settlement. late fees are upwards of 35-45 dollars and its illegal to do business in MA
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (FL)

Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt. you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION. made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices. provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have or continue to report invalidated information. to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute. fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. My attorney and your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease. and desist. Also, during this validation period, if any action is taken which could be considered. detrimental to any of my credit reports, I will consult with my firms managing attorney for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (SD)

I have on multiple occasions tried to revive credit scores/history or credit reports through the 3 main credit check companies and my bank but am told that it doesnt exist or that my identity couldnt be verified or that my social security number doesnt exist. Ive tried to settle it with these companies but they keep telling me to file a complaint to the consumer finance website to have it disputed.
Consumer complaint received 2018-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AL)

I have written to the company, XXXX XXXX XXXX on two different ocassions requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I stressed to them that I was requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them.They have four accounts listed with them and I have been going back and forth with this company for a little over 2 years and they refuse to remove this wrongful information. They have responded by sending two letters for two accounts showing that I owe them but never sent any paperwork for these accounts with my signatures and never responded about the other 2 accounts that I requested information on. I am constantly called every day by this company and they refuses to give up. I have informed them on many ocassions that I am not paying for something that is not my account.
Consumer complaint received 2023-07-25
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 ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, 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. (TX)

Recently, I did an investigation on my credit report which caused financial hardships & stress on me because, I feel like some of my personal information may have fallen into the wrong hands based on the XXXX data breach I found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, Transunion didnt make sure it was reporting 100 % correct. I reached out to them and nothing was done. In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

A fair resolution would be a proper investigation showing my wet signature giving any written consent to run my credit or any documents I signed to be presented as evidence establishing, I own these negative items. Which I do not, these items should be removed off my credit report immediately please!
Consumer complaint received 2023-05-17
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. (GA)

This is my first 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 records 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. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$620.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-18
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: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Consumer complaint received 2023-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, XXXX, and Transunion have violated my consumer reports. 
They are reporting information such as student loans, closed accounts, and inquiries. 
The inquiries with XXXX are fraudulent. I have filed an FTC report and they have yet to handle the situation in a timely manner. 
" According to the Family Education Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). 
Any and all consent to XXXX, XXXX, and Transunion ( Furnisher of information to credit agencies ) whether it be verbal, non verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party- unless the consumer is given an explanation of how the consumer can exercise that non disclosure option.

Every company have to give a privacy notice before furnishing information to my consumer report. This was not given. Part 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ) 12 CFR 1016.1 Purpose and Scope ( 1 ) " Requires a financial institution to provide notice to customers about its privacy policies and practices. '' ( 3 ) " Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated thirsd parties by " opting out '' of that disclosure. '' XXXX, XXXX, and Transunion are not maintaining reasonable procedures. 

ACTS VIOLATED, 15 USC 1681 15 USC 6802 Family Education Rights and Privacy Act ( FERPA ) 15 USC 1681b 15 USC 1681e Privacy Act of 1974 ( % U.S. Code 552a ) Regulation P Part 12 CFR Part 1016
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had a credit card with XXXX XXXX XXXX XXXX Account # XXXX balance of {$6100.00}. My husband filled a XXXX XXXX  bankruptcy XXXX XXXX. : XXXX File Date : XX/XX/2018, and XXXX was part of the bankruptcy. It is still showing on my credit report that there is a balance and past due.It also says it was " written off ''. Non of this is correct.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (OR)

My finance coach instructed me to file a complaint for the Wells Fargo settlement ( defrauding its customers from XXXX ) They ( Wells Fargo ) did not notify me about this class action settlement and I have been a customer of theirs since XXXX.