davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-08-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC (NC)

I purchased this vehicle in XXXX the company closed in XXXX. Heard nothing from company closing or anything. They XXXXXXXX XXXX  my vehicle had major problems from day one. Look on my credit report and they have double the price.
Consumer complaint received 2021-03-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

Form 1098 for 2020 we have received wrongly reflected the " outstanding mortgage principal '' as of XX/XX/2020. Instead it reflected the balance which was in the beginning of the year not at the end as it was supposed to do. When I visited the local branch lady called somebody and told me that it is the way Citizens Bank reflects the balance which is wrong. When I asked her for her name she refused to give it to me but wanted to give a lecture which I refused to listen to. This is the second time we filed complaint about the way Citizens Bank reflected the outstanding balance of the mortgage principal. Until today the bank has not fixed the balance we complained about before.
Consumer complaint received 2021-03-17
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. (TX)

XXXX XXXX experian after ID theft won't allow me to look at my score it's against the law if i have been a victim i want to see my socre online will send proof in the attachments
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AK)

I have been a victim of identity theft. My social security number was fraudulently used to open a prepaid debit card. The post office caught the incorrect address and sent the card to my real address. Thats how i found out. I contacted all 3 credit reporting agencies and had fraud alerts and credit freezes placed with 2 of them. 

On XX/XX/2021 Equifax refused to both allow me to place a fraud alert on my credit report and refused to allow me to freeze my credit report. 

The employee i spoke to was a supervisor by the name of XXXX. His employee number is XXXX. 

Its almost impossible to get though to talk to anyone. As a result I contacted XXXX XXXX to make sure the fraud alert was in place and they would contact the other 2 credit reporting companies. But the fact that EQUIFAX is refusing to place the credit freeze and fraud alert is very disconcerting. Im still open to the possibility of having accounts opened in my name if such financial institution uses EQUIFAX as I was refused a credit freeze as required by law.
Consumer complaint received 2023-06-20
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. (LA)

I recently mailed 2 letters to the US DEPARTMENT OF EDUCATION addresses provided by XXXX and TransUnion to dispute, get my Delenquency date and have my account validated or ceased and desist as the LAW provides. Both certified letters were returned..TransUnion for months continues to furnish inaccurate, adverse, unauthorized non public personal information.which are violations of 1681 s2 A1 1681n 18USC 1928a US DEPARTMENT OF EDUCATION XXXX US DEPARTMENT OF EDUCATION XXXX These are effecting my ability to get business and personal credit and improve my financial
Consumer complaint received 2021-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

I enrolled HOME CHEF rewards at AMEX Platinum. The offer is spends XXXX dollar at homechef for get XXXX $ credits back, it can get up to three times. I spend {$160.00} in total from XXXX 2021 to XXXX 2021. I also received the email from AMEX on successful redeemed the offer. However, I still do not received anything till XXXX. 

Usually, the amex rewards is very fast and only take 1 day. 

I did call the AMEX agent around XXXX month end, but the agent only confirm the offer and can not provide an exact date due to the technology issues. 

I chat with AMEX on XXXX again, the first agent confirmed the offer but also mentioned a tech mistake related to rewards. He suggest me check back in XXXX business day and mentioned that he can not issue the credits although he confirmed the rewards. He escalate the issue to the supervisor XXXX. The second person XXXX is very rude and slow. He start to questioned about the qualifications of the rewards, he is concerning whether I am qualify for the offer. He copy the terms ago and said I only spend XXXX $ each time. However, I received the email from AMEX for the rewards and the agent I spoke with both confirmed the eligibility of the rewards. The supervisor seems not knowledgeable enough to qualify as a supervisor. He also does not willing to issue the credit to me today although the offer is already passed for 1 month. 

I am confused and feel very unhappy about the supervisor 's behavior and client management responsibility. He does not have enough business knowledge about the credit card rewards term also try to make excuse to the clients and even misleading the clients. I already marked two reminders in my calendar to reminds reach out to AMEX. Both two agents suggest me contact back AMEX in 3-5 days instead of provide credits immediately. It create tons of work and inconvenience to the clients. I have to remind myself for the unpaid credits rewards from AMEX. 

I am requesting AMEX to issue the credit back to me ASAP and make apologize for the inconvenience as well as the very rude, and unprofessional behavior for the " supervisor ''.
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (SC)

I sent letters to make my personal info on my credit report be updated. Specifically, I requested my old addresses be updated or removed because I don't live there any more. Moreover, I have submitted necessary documents to show my identity and current address, respectively but TO NO CHANGES AT ALL. 
I also submitted a complaint on FTC about this matter.
Consumer complaint received 2023-06-01
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2023
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

n accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat d payment on a credit card account under a ppen end consumer credit plan as late for XXXX XXXX XXXX XXXX purpose.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA (CA)

I have to been disputing transactions nonstop with Apple for the past two years. These were fraudulent charges. I have explained to the company multiple times over and over. I was recommended to reach out to you guys to help with this matter. I have been experiencing unknown charges on all credit cards I own. For XXXX my disputes have all go through besides XXXX and Apple. Theyve both been affecting my credit score tremendously. There was a period of time these charges took place. XXXX XXXX XX/XX/2022. I have shown proof to the companies. I do not claim any of these charges and wish for XXXX  and apple to wiped off my credit report.
Consumer complaint received 2018-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA) (GA)

Receivable Mgmt Group has refused to validate the debt that they have stated that I owe. I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with Receivable Mgmt Group The lack of validation of any debt owed to them is in violation of 15 USC 1692 Sec.809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, Receivable Mgmt Group is practicing UNJUST ENRICHMENT.
Consumer complaint received 2023-08-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (NJ)

I had a savings account with marcus by goldman sachs. On XX/XX/XXXX i initiated a transfer of funds to a checking account and they said it went through. A week later ( XX/XX/15 ) the funds still didnt transfer and i really need the money. I try to log in to my account but it got locked. I call ( XXXXXXXX XXXX ) and was told it was locked and the transaction reversed. They refuse to unlock my account or close it bc i need to speak to a specialist. I cant access my money or close my account and i am really low on cash. Scammers!
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2022-11-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Receivables Management Partners, LLC (FL)

I have been making monthly payments on medical debt since XX/XX/XXXX. Originally the amount was XXXX I had paid the debt down to XXXX. By making monthly payments every month usually before the due date my last payment was XX/XX/XXXX for XXXX. XXXX XXXX stopped sending my statements to the correct address. At some point they claim they sent my statements to my old address, even though, I had been receiving my statements at my current address for almost 2 years. Then turned me into collections & : never told me until after numerous calls to them asking about what was going on with my account. Then promised they would get my account out of collections, since it was there fault, because they sent the statements to the wrong address. At no point did the collections company send me a statement either. I only realized it had been in collections since XX/XX/XXXX : when I got a credit alert! Which dropped my credit score XXXX points
Consumer complaint received 2023-06-01
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. (KY)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX Balance : {$5100.00} ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

Hello Citibank, I have made several attempts and no one over the phone is helpful I will start by saying that. Theres an issue which must be resolved ASAP! This needs immediate attention please. Citibank closed my business account for account number ending in XXXX on XX/XX/21 for our business account for XXXX XXXX. It shows that my remaining funds in the amount of {$5700.00} were withdrawn on XX/XX/21 and a check was mailed out in this amount however 1 month has passed and I have NOT RECEIVED my check in the amount of {$5700.00}. WHERE IS MY MONEY? I HAVE NOT RECEIVED MY MONEY YET IN THE AMOUNT OF {$5700.00} which states Citibank withdrew that amount from my account. Were in my money in my account that Citibank took out? I NEED MY MONEY! I keep CALLING CUSTOMER SERVICE NO ONE IS ANY HELP! Please CALL ME AT XXXX or email me at XXXX. THIS IS URGENT!!!!! I need my money in the amount of {$5700.00} that was withdrawn from my Citibank account on XX/XX/21 in the amount of {$5700.00}. I HAVE YET TO RECEIVE MY MONEY! Please resolve immediately. 


I NEED A NEW CHECK ISSUED OUT BECAUSE I HAVE NOT RECEIVED MY MONEY THAT WAS SENT OUT ON XX/XX/21 by Citibank in the amount of {$5700.00}. Thank you. 




XXXX
Consumer complaint received 2023-01-05
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. (CA)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 2023-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (CA)

I am writing to report an incident of identity theft involving my personal information. I recently discovered multiple credit card accounts opened under my name without my knowledge or consent. These accounts were established in locations I have never visited, confirming the unauthorized nature of these actions.
Consumer complaint received 2023-08-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd ()

am XXXX XXXX Explanation of my income and tax situation The receipt and transfer of money on the wise app are all operated by myself and no violations or risks On the afternoon of XX/XX/2023, wise suddenly closed my account without giving a reason, so that I could not log in to the account and did not know where the funds had gone The current balance in the wise account is about {$17000.00} Without giving the reason for the account closure, I hope it will be handled properly. 

Wise XXXX XXXX XXXX / XXXX I need your help, help me with the money that will be mine Here is the information about the company withholding my funds : Wise Payments Limited is a company registered in XXXX and XXXX with registered number XXXX. Wise Payments Limited is an Electronic Money Institution authorised by the XXXX XXXX XXXX with firm reference XXXX. 


thank you XXXX XXXX
Consumer complaint received 2023-08-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION (AL)

I purchase a vehicle in XXXX XXXX XXXX  from XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... there were documents that were fraudenly sign such as the truth and lending statement. At that time amount financed wasXXXX. They did my financing through Credit acceptance I got a past due notice because nobody would call me back. the past notice showed my balance XXXX i had made all my payment accept XXXX and now going into XXXX... i do not understand how my balance went up so much, the additional fees charged, and the settlement charges listed on my bill of sale.I want credit acceptance to send me what fees were charged, what my interest rate is and all documents that were signed supposedly by me. i want to get someone to contact me with this information
Consumer complaint received 2023-06-01
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. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 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 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for ( XX/XX/2022 & XX/XX/2022 ). Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,