davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NY)

Company name XXXX. Account number : XXXX ( New York XXXX Collector Name : Nationwide Credit XXXX XXXX XXXX Phone Number : XXXX ) Reference Numbers : XXXX XXXX / XXXX XXXX I signed with XXXX XXXX the end of XXXX for their " Quaterly Plan '', which has a cost of about {$150.00} give or take depending on the size of the house. The payment is to be collected every 3 months. I know this information since I have used XXXX before, and it's even advertised on their website. The first payment was collected at the time the technician came to the house, around XX/XX/XXXX for {$120.00}. 

At the end of XXXX, I noticed a second charge for the same amount, which was incorrect since my payments are supposed to be due every 3 months. I called XXXX immediately, the rep on the phone said I was signed up for another plan called the " XXXX XXXX '' and she would have to ask a XXXX for approval to change the plan to the " XXXX '' plan. She said that someone in XXXX would call me back once the change is done. No one did. 

During the first XXXX weeks in XXXX I called several times, spoke to different reps and they would all say the same that someone would call me back as they did not have the authority to process this change even if it was a mistake. This is all happening while their accounts department is calling me constantly to collect payment, and every rep in that department I spoke to had no clue about the issue and I had to reinform them every time they called. 

Finally, on XX/XX/XXXX a XXXX XXXX with the name of XXXX XXXX left a message saying that the change to the " XXXX plan '' could definitely be done, and that he could helped me with that. But he also said he wanted to speak with me first as he did not think it was a good idea. I called the XXXX back many times in XXXX and XXXX and left him voice messages but he never returned my call. This is his direct line : XXXX. 

XXXX calls from XXXX and texts starded morning and night. Every time I go the chance to answer I would have to explain to the rep the same story over and over but no resolution to the problem. At time every rep would tell me something different. XXXX even said to me yes I see that technician that initially came to inspect the house wrote that there was no termites. Other rep told me yes your plan is changed, but that someone needed to come to the house and collect the termite baits, no one has been back. 

At this point, I do not even want to have their services any longer. They only came to my home once and within the first month I called for them to come again to re-spray as we spotted aunts, and they never came. They never sent someone to removed the XXXX baits that I don't need. They are trying to collect money for an incorrect service, and for only XXXX visit provided. 

Here are the XXXX collection bills mailed to me ( not sure why there are XXXX separate collections ) : {$360.00} ( XXXX XXXX XXXX ) {$720.00}. ( XXXX XXXX XXXX )
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It has come to my attention, that XXXX XXXX has transfer an account to XXXX XXXX XXXX Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX is refusing to discuss my concern about their XXXXXXXX XXXX  # XXXX, balance {$2000.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me?

Debt Collection Practices laws 15 USC 1692c., 15 USC 1692d., 15 USC 1692e. , 15 USC 1692f, 15 USC 1692g., and 15 USC 1692j.
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NJ)

on XX/XX/XXXX, I applied for a Citi XXXX Credit card on the Citi Official website by the application ID:XXXX. The application got denied and the reasons are not specifics or clear. 
I demand to Citi bank under the Equal Credit Opportunity Act and Fair Lending Laws, to take my application to reconsideration by a physical person and not an automatic system 2 min answer. 
Attached my XXXX credit report with the denied letter as a proof and backup of this claim. 
The reasons of the Denied application are : *Length of time accounts have been established on your credit report. 
*Your credit report shows too many recently opened accounts. 
** Your credit report shows too many recent inquiries. 

My Counter-Response to the Grounds Set Out Above : 1= My credit Score is XXXX. By the time of the credit card application was XXXX, it dropped because of the Citi bank hard inquiry. 

2=*Length of time accounts have been established on your credit report. 
R// : I'm a US citizen , who was born In USA but grown in XXXX XXXX XXXX I came to the US 3 years ago, since I came to this country, I stated building credit with different credit cards and a car loan that is paid off already. No late payments or delays in any of them. If theres a minimum of reported years established by your internal policy, please provide me with the real number to understand this decision. 

3= *Your credit report shows too many recently opened accounts. 
R// : I have few credit cards open, to build credit, they have no balance, some of them are close and I can provide with a documentation if need it, the ones that I keep open are : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT CARD XXXX credit cards in total, No late payments or delays in any of them. If theres a minimum of opened credit cards, loans, or line of credits established by your policy, please provide me with a REAL number of a maximum of active credit products to be eligible for a Citi Credit Card. 

4=** Your credit report shows too many recent inquiries. 
R// : My last inquiry was CITI CARDS CBNA on XX/XX/year>2024 that is this claimed application, before that I have XXXX XXXX ( XXXX XXXX CARD  ) XXXX XXXX/XXXX/2024. No other hard inquiries for this Year, if theres a maximum of hard inquiries by customer within a year or in the last years, please provide me with the real number to understand when to re-apply for the card. 

5= I work as a XXXX XXXX for XXXX XXXX XXXX Ive been in this position for 2 years and a half I can provide with paystubs as need it. Currently renting {$600.00} per month. And my annual salary is around {$66.00}, excluding incentives and bonuses.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (PA)

In 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 u payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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.

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 my 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 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Trying to buy a home for my family I realize there damages to my credit report. According to the 15 U.S.C 1681 law there should not be no damaging information to my credit report. It is considered defamation to my character. Mariner finance has refused me 1099.
Consumer complaint received 2022-10-20
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. (CA)

In accordance with the Fair Credit Reporting Act. The following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 15 U.S CODE 1681 section 602 A. States I have the right to privacy.

15 U.S CODE 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written permission
Consumer complaint received 2022-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC (CA)

I asked Mutual of Omaha to set up an escrow account for my mortgage and that was not done. I paid the money that they wanted me to pay to set up the account. Due to a possible oversight, It was not set up at all. I did not find out to about 5 months later when they done a another escrow analysis before they transferred the file to another company that I was over {$10000.00} in the whole that I have to repay. Thus increasing my entire mortgage payment more than double With principal interest and escrow. I also asked for and paid for home insurance to be in the escrow also. It was not done. Again, after the analysis was done By Mutual of Omaha With the deficit, the loan was transferred to another company and they did it complete analysis of the file At my request and they found That someone at Mutual of Omaha dropped the ball on the escrow was not set up. It was not applied to my mortgage as promised and as I paid for them to do. As a result my new company also filed a complaint against Mutual of Omaha. This is called a breach of contract and as a result I am medically and financially suffering from the stress Of This mess that I did not create. I have a medical mental condition to deal with.It is causing me panic attacks.
Consumer complaint received 2022-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was told that I was denied a contractual obligation for raised credit limit and unsecured card. The credit card company states its for a returned payment for insufficient funds, however I have proof from my bank that it was not only taken out of my account by the credit card company but also never returned to my account. The credit card company is not only in breech of contract they have also stolen money out of my account. I have called repeatedly to inform them of their mistake only to be told that it is my issue not theirs. I am also upset over the fact that the dates don't even match up. They're saying it's the XXXX of XXXX 2022 that was returned but I made the payment on the XXXX. They're also stating that the payment made on the XXXX was from a different card. I have made a payment from a different card, however that was a separate payment altogether. It's not even for the same amount.
Consumer complaint received 2022-12-10
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. (GA)

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-10
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 ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-27
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: EQUIFAX, INC. (PA)

hard inquiries on my credit report : 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
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-12-10
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. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Acct # : XXXX and XXXX XXXX XXXX Acct # : XXXX has violated my rights.15 USC1681 Section 602A states, I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1692d- Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader ( Causing mental anguish ) 15 USC 1692 b. Acquisition of location. Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such consumer owesany debt title 15- Commerce and trade Chapter 94- Privacy subchapter I - Disclosure of nonpublic personal information SEC. 6802 - Obligations with respect to disclosures of personal information 15 USC 1635 ( a ) Disclosure of obligor 's right to rescind, and ( b ) return of money or property following rescission.
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

I asked Bank of America to wire money from my checking account to a brokerage account. Bank of America will only let me make the wire transfer from its website. The User Interface is not sophisticated enough to allow me to successfully transfer the funds. The wire page allows me to enter a routing number and a account #. XXXX, my broker, uses XXXX, a bank, to receive its wires. I can get the money to XXXX with the routing # and account #. However, without including the brokerage account #, XXXX rejects the wire. I asked Bank of America to help me customize the wire to include the brokerage account #. Bank of America refused to do this. There was no willingness at all to offer a modicum of customer service to resolve this issue.
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

Closed this card in XXXX. Then today ( XX/XX/XXXX ) I received a letter stating they closed my account due to issues with my credit. The account was supposed to already be closed. I looked at my credit through all three credit bureaus that I subscribe with to monitor and their letter was inaccurate and false the reasons given. My scores were higher than when approved for Care Credit card, my other card balances were lower and I do not own real estate that they say there is insufficient info for real estate owned. I have not had a balance with Care Credit in several months for which I paid off in full after every use.
Consumer complaint received 2021-01-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: KEYCORP (WI)

Key Bank will not release my unemployment funds registered to my name and social security number. Key Bank has spent weeks frustrated the issues- Keys management does not follow thru on promised call backs or actions to correct issue. 

The total amount is {$1700.00}.
Consumer complaint received 2022-11-26
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. (NJ)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed this account which does 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 account which is found to be opened due to identity theft. The disputed account does 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 XXXXXXXX Balance : {$420.00}.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

Early XXXX I contacted the company in regards to XXXX XXXX  that on my credit report and asked about the method of verification also for proof of verification I was never sent this information on letters stating that they verified it but dont state how nor was any proof given I was told that it was verified through XXXX XXXX also that they purchased my info from them they also advised me that they received this through third party public information This alone is violations under FCRA 623 ( a ) ( 5 ) state if the if the credit bureau cant Validate the information with the original creditor they must remove the information from my credit report also be aware no court in America validates nor report to any agency or bureau YOU HAVE 15 days from receiving this to validate this or else remove it
Consumer complaint received 2023-04-11
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: Sarma (CA)

This company named Sarma made 2 unauthorized inquiries on my credit report without my permission and demand that these be removed immediately!! I never gave nobody theyre associated with nor them to pull my credit!!!