davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-28
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2020 Balance : {$130.00}.
Consumer complaint received 2023-06-26
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: Fidelity National Information Services, Inc. (FNIS) (CO)

I have excellent credit and applied for a savings account at XXXX XXXX on XX/XX/2023. I was refused and told that ChexSystems was the credit reporting agency. 

Note : XXXXXXXX XXXX is an online bank, applications are done via a web form. The application would not accept my last name as correctly spelled XXXX. The apostrophe was not allowed. I used XXXX instead. 

When I used ChexSystems ' online request form to obtain my consumer disclosure on XX/XX/2023, after completing the form and submitting it, the web page went into an " endless spinning '' mode and never confirmed submission. 

Since the online request form was broken, I tried using the automated voice system provided by ChexSystems. Again, when having to say and spell my last name, the system was unable to understand what an apostrophe is and failed to be able to capture my last name correctly. I proceeded with using " XXXX '' instead. 

I am concerned that there are many thousands of customers of XXXX XXXX  that have apostrophes in their names, and that due to poorly designed automated systems used by banks and credit reporting agencies, consumers are being denied services. 

Further, because the name can not be accurately represented in their systems, I am concerned that ChexSystems is using error-prone name matching heuristics and inappropriately matching my ID to someone with poor credit. This may be happening to many thousands of people having ancestry/backgrounds that feature names that the designers of these computer systems have decided is not worth the effort to get right. 

We should hold these systems accountable for the highest quality and rigorous standards in software development -- they can and should be able to represent names containing apostrophes. The fact they can't is a leading indicator of poor practices and security vulnerabilities.
Consumer complaint received 2020-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have overdraft protection YET the greedy Bank of America charged me 4 overdraft fees at {$35.00} each for a total of {$140.00} that put my account repeatedly in the negative and this generated yet more overdraft fees! 

To repeat, I have overdraft protection and so I should not have been charged overdraft fees of {$35.00} each!!!!!!!!!
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. (FL)

In accordance with the Fair Credit Reporting act 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. 

On XX/XX/2022 a XXXX XXXX Credit Card account was opened under my name without my knowledge or consent and a {$500.00} dollar credit card was used and left a {$740.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

I signed a LIMITED POA that was specifically for ONLY to use to withdraw enough money out of account for a specific reason and it was specifically stipulated in the paperwork because I wrote it but when I got the copy from the bank that page was completely missing and he continues to represent me against my benefit or desire!
Consumer complaint received 2023-03-06
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions!

15 U.S.C 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 2023-06-15
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: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX, has violated my rights. Between XX/XX/2023 and XX/XX/2023, my XXXX XXXX XXXX account was reported as 30 days late. I have not made a late payment. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2024-04-18
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (MS)

I left XXXX XXXX service from the XXXX on XX/XX/2023. I moved my family from XXXX, to XXXX. The rental we moved into was {$2500.00} a month. So we paid {$5000.00} up front which included the deposit and first months rent. I started my new job on XX/XX/2023. I had a XXXX XXXX on XX/XX/2023. I was picked up in an ambulance and rushed to the hospital where I had XXXX  XXXX. I was able to go home that night. However, I was not able to work for over a month, and when I returned to work I was working very short hours, and could not perform my job in the field while I was still recovering. I contacted my landlord within a few days after my injury to inform her that I was injured and out of work. I also informed her of the severity of it and that I would be late on rent. I have a wife and daughter, and I am the only source of income for my household. The landlord never responded, nor contacted me until XX/XX/2023 ( 11 days past due ). Her response was " Hi XXXX XXXX, I received your email regarding your XXXX rental payment. I have been out of town, however as of today your balance is still unpaid. As a result, we had to issue a 3 day notice to pay. See attached. Thanks! '' I was in disbelief that she disregarded everything I sent, and gave me that notice. I then communicated that I could furnish all medical documents if necessary. That did nothing for her. I then requested for her to work with me, and that we could be out of the house at the end of the month to avoid any eviction proceedings and so on. She agreed, and we were out as we said. Fast forward to now, I have paid any debts on my credit report preventing me from buying a home for my family, and then this collection appears on my reports. I was never contacted by the landlord again, nor this collection agency. I am now unable to purchase a home for my family due to this negative remark on my report. My XXXX XXXX and XXXX  XXXX was disregarded and I moved my family out of the home because I knew it would be a while until I was fully recovered. The amount showing on my report is {$6900.00}. I feel I have been wrongfully charged this unnecessary price, and it's wrongfully being put onto my report. What was I supposed to do? I know I did the right thing communicating on my end and moving out to prevent evictions. But this appears on my credit report, and without notice from the landlord, and the collections agency? I did my part on communication with the landlord on all matters.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have several store cards and one general credit card with XXXX Bank ( now XXXX XXXX ). I have paid them all on time and some in full or down substantially over the last few months. XXXX has not reported any of my on time payments nor the correct balances since XX/XX/2022. All of this would be impactful to my credit score as I am looking to buy a house relatively soon. I would like them to accurately reflect my payment history and balances. I called to get a balance letter for one of my accounts and they told me ( as they have others ) they have had system issues. I can understand a one month issue maybe two but now we are heading into XXXX which would make this the 4th or 5th month with inaccurate reporting. It is unacceptable and they need to do better.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed several inquiries with TransUnion Credit Reporting Agency and unfortunately their customer service would not help and take care of the negative inquiries reporting to your credit report. 
Please see the below inquiries that I sent in to be investigated and deleted from my credit file : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I recently pulled my reports and noticed you are reporting the incorrect ( high credit ) and the incorrect ( credit limit ) the ( incorrect date open ) the incorrect ( last reported ) the incorrect ( date last active ) the incorrect ( date of last payment ) for this account ( XXXX XXXX  XXXX ). Because these inaccuracies are being reported by your company and XXXX and XXXX are different, this means the account has not been properly verified. Please delete this account immediately. 

Attached is on updated report showing the inaccuracies Thank you
Consumer complaint received 2023-06-26
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: USCB, Inc. (CA)

I have been repeatedly contacted by USCB America for medical debt. In 2021, I suffered from a XXXX XXXX XXXX and was misinformed about my insurance coverage as it was an emergency situation. Eventually USBC America kept calling me repeatedly since 2021 and onward. I am trying my best but I am a college student with little income
Consumer complaint received 2024-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC. (NC)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Southwest Credit Systems, L.P. (KY)

Southwest credit System continuously adds an account that is 10+ yrs old to my credit account and recently when disputed added that I had paid them {$91.00} so they can make it look like it is updated and it is not! They have it incorrectly stated that the account was opened in 2022 when it was not and continue to be fraudulent and use fraudulent tactics for which my next step is the courtroom!
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bridge IT, Inc. (TX)

I am writing to address a concerning issue regarding unauthorized withdrawals from my account with Brigit, My account was canceled on XX/XX/XXXX, and yet I have noticed subsequent withdrawals from my account, which is a direct violation of my customer rights. 

On XXXX XXXX, XXXX, I formally canceled my application with Brigit. Per the terms and conditions outlined during the cancellation process, there should have been no further transactions or withdrawals from my account. However, upon reviewing my recent bank statements, I have discovered that withdrawals have continued to be processed even after the cancellation. 

I am deeply concerned about this discrepancy and request an immediate investigation into the matter. I expect a prompt resolution and reimbursement for any unauthorized withdrawals made from my account since the cancellation date. 

Please provide me with a detailed explanation of why these withdrawals occurred despite the cancellation of my account. Additionally, I would appreciate it if you could confirm that no further withdrawals will be processed and that my account has been completely terminated. 

I expect a response to this dispute within XXXX business days from the date of this letter. I want a refund of the charges placed on my account after this date. Failure to address this matter promptly will result in further escalation of this issue. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-18
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTON 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 604A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD/ACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. 
PAYMENTS HAVE NEVER BEEN LATE. PLEASE UPDATE REPORTS TO SHOW XXXX XXXX ON TIME PAYMENTS.
Consumer complaint received 2024-04-18
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MD)

I purchased a {$350.00} Vanilla Gift card for a family member around XXXX XXXX. He was able to use it for XXXX days and then it was declined. I tried to obtain info online regarding what to do but the site told me to check again later. I called on XX/XX/XXXX to get assistance. They told me that the only thing they could suggest was that I add it to my wallet on my iphone. It did not work. We tried several times and it did not work ( it said card invalid contact provider ) They issued a claim number and told me that someone would call within XXXX hours to assist. No one ever called. I called again today XX/XX/XXXX. I was transferred to technical support who stated that I should try again to add it to wallet and that the card is valid from their end. Adding to wallet did not work. Representative said I don't know what to tell you try again another time there is nothing else we can do. I asked that they cancel it and send me a replacement and she said we can not do that you already used it before ( there is currently around XXXX left on the card ). I asked that they send a new card with the remaining balance. They said they can not help me that they will not send a replacement and that I can try adding to XXXX wallet. That also does not work. Essentially they refuse to help me. I asked to speak to a supervisor and was told that she was the highest level possible to speak to and that they can not help me but I can try to keep using or adding the card in the hopes that eventually it will work
Consumer complaint received 2024-04-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (NJ)

I have been trying to get my title from Chrysler Capital since XXXX of 2023. My first few phone calls only ended with me getting a release of lien. They said they don't send titles because NJ is " an electronic state. '' After about the third call they said to take the release of lien to the DMV and they'll give me a title. The NJDMV said Chrysler Capital does not participate in that program and that I would have to pay for the title that I already paid for. They suggested getting the title from Chrysler since I paid for it. I called again and got another release of lien. They also said that the original title was sent back in XXXX, but when they gave me the address, I said the zip code was wrong. I called again and the representative said that she saw all the mistakes and everyone kept requesting the release of lien. She submitted a request for the title and it should be emailed to me in the next few days. I called today ( about 10 days later ) and was told the request was rejected because the account is marked closed. I got transferred to a person who said they will have to request a duplicate title from NJ and I should expect it to take a month. Additionally, I had to correct my zip code again because it still wasn't corrected. In the meantime, I still can't sell my XXXX.
Consumer complaint received 2022-11-28
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. (VA)

I need for you to send me the signed documents that has my signature that I had these accounts. And I need proof from these companies because you are violating me as a consumer. You as a Credit Bureau must show me proof from these companies that you said was verified and will remain on my account. If you can not furnish this information within 15 days you must remove all collections and closed accounts ASAP XXXX XXXX XXXX XXXX {$480.00} XXXX. XXXX {$300.00}
Consumer complaint received 2023-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (PA)

I AM A VITCIM OF IDENTITY THEFT. I HAD NO KNOWLEGDDE OF THESE ACCOUNTS. THESE ACCOUNTS LISTED ELOW WERE OPEN FRAUDELENTLY. 


CAINE & WEINER # XXXX Balance {$500.00}. 
XXXX XXXX & XXXX # XXXX. 
XXXX XXXX # XXXX Balance {$2100.00}. 
XXXX XXXX # XXXX Balance {$24000.00}. 
XXXX XXXX # XXXX Balance {$84.00}. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX. {$2500.00}. 
XXXX XXXX XXXX. Balance {$3300.00}. 

ATTACH TO THE COMPLAINT IS MY IDENTITY THEFT REPORT.
Consumer complaint received 2020-12-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (GA)

Since XXXX I've sent Medical Data Systems four requests for debt validation ... 4! I've attached a copy of the most recent letter, dated XX/XX/20, and proof of fax delivery including the letter sent XXXX. The bureaus did not verify the debt. The collection agency did not validate the debt. There has been more than enough time and I want these two accounts, XXXX, and XXXX deleted!