davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

On XX/XX/2023 my Home Depot account was used at a store XXXX miles away from my residence in XXXX XXXX XXXX. I received an email from Home Depot about the suspected fraud and I called Citicorp immediately to dispute it as I was at home at the time. I also cancelled the account. On XX/XX/2023 I received another notification that my account was used a second time at the same location, while I was also at home. My wife can verify both times of my location. When I called Citicorp and asked how can they used a closed account I was told that a new account was automatically opened and the new account was used. I did not ask for a new account and was unaware that one had been opened. After a couple of months the first charge was reversed. The second charge is still on my account as of today. I filed a complaint with my local police after some digging they found video of a couple, not my race, making the purchase. I called the Citicorp fraud dept and told them the new information and they asked me to send me my drivers license to verify my identity. I sent it in early XXXX of 2023 and on the XXXX statement the charges were reversed. On the XXXX statement the charges were reinstated without any notification from Home Depot or Citicorp. I called again today and am going through the same run around as I have done for the past year.
Consumer complaint received 2023-06-15
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-12
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. (TN)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-06
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)

XXXX Account Number XXXX This account does not belong to me. 

XXXX XXXXXXXX XXXX  Account Number XXXX This this should be removed from my credit report, it's been past 7 years! 

XXXX XXXX XXXXXXXX Account Number XXXX This does not belong to me. 

XXXXXXXX XXXX XXXX XXXX Account Number XXXX Section 1026.10 ( A ) Does not require the creditor to post the payments to the consumer 's account on a particular date. The creditor is only required to credit the payment as of the date of the receipt. Meaning, the creditor can only report payments on date of the receipt, not before or not AFTER!
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (MA)

I took out a Bridgecrest auto loan XX/XX/XXXX and paid it off in full XX/XX/XXXX. After XX/XX/XXXX, I entered an agreement with Bridgecrest that the phone rep agreed to due to Covid. It was a hard time for everyone and Bridgecrest agreed to follow the CARES Act Impacts Credit Reporting which states that they will not report late payments going forward during the COVID emergency on my account. Now I entered this agreement with the account as current. This agreement was to continue through the pandemic which actually just ended. I never let the car go to crazy past due and always paid but they charged me insane fees along with reporting my car late XXXX times during this period. XXXX 30 days late, XXXX 60 days late, and XXXX 90 days late. Bridgecrest broke their COVID Agreement and I believe violated the above mentioned law and now I am paying for it on my credit. Not only is the closed account current status showing " late 30 days '' but it has those XXXX late payments on it. I am struggling to get back on track because this is holding down my credit score. Since I believe Bridgecrest violated the COVID rules and promises to me I am requesting that either you remove the late payments and also current the current status or you delete the account from all three credit bureaus. I hope this escalation can handle this situation so there has to be no further action taken because I am not satisfied with how I have been treated
Consumer complaint received 2022-11-27
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)

I noticed fraudulent accounts on my report in XXXX of XXXX  and I disputed the accounts ( XXXX XXXX  amount of {$5400.00}, XXXX XXXX XXXX amount of {$6500.00}, XXXX XXXX XXXX of {$1700.00}, and XXXX XXXX XXXX of {$2500.00} ) with all 3 bureaus. Transunion, XXXX, and XXXX elected to leave the fraudulent, deceptive accounts on my credit report, and to make matters worse, XXXX later reported a late payment which caused my score to drop over XXXX pts. I did not give written consent or instructions for the identified transactions listed to be reported on my consumer report. Furthermore, the identified transactions are not information related to any transactions by me as the consumer. Please see the attachments!
Consumer complaint received 2023-07-19
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I applied for a Modification on my XXXX loan in late XXXX. I was sent a Modification package which was accepted, Notarized and returned in a timely manner. I attempted to make the payment online for the modification amount of {$2900.00} as I have made all of my payments in the past. The online system refused my payments when I attempted to make it in XXXX, after several attempts I gave up. PennyMac acknowledges my attempts to pay and now explains that it is " suggested '' to talk to a representative when making the first modification payment. This is the first modification that I have received and was unaware of Pennymac 's inner-workings, given that NONE of this suggested payment information is in writing nor included in the Modification package that was signed and Notarized. PennyMac unilaterally canceled my accepted Modification agreement and offered me an appeal, which I applied for, a month later the payment INCREASED to {$4700.00} which is very much unaffordable to me. I submitted income of approximately {$6000.00} and I have XXXX children at home. I understand that modifications are offered to make keeping my home, affordable. Unfortunately the current offer is extremely unaffordable. I have attempted several times to contact PennyMac in order to reinstate my accepted and signed Modification from XX/XX/XXXX. Each operator has a different response to my situation, yet they refuse to send anything in writing to support their decisions. I have attempted to file a complaint with them, to no avail. Please help me keep my home, with an affordable payment.
Consumer complaint received 2016-08-24
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ROC Asset Solutions, LLC (WI)

I was contacted by my employer about a XXXX XXXX from XXXX contacted them about a loan I had with another company. My employer stated that XXXX XXXX was trying to reach me about a collections case they had against me and they need to get in contact with me to get in contact with her. I was also contacted from my wifes employer with the same information to call XXXX XXXX about an outstanding debt. I have been getting numerous calls on my home phone where when my answering machine would kick on the caller would hang up with no message left. On XXXX/XXXX/16 XXXX XXXX from XXXX left a message on my answering machine and left information about a case number and to contact her a soon as possible. I had returned a call to the number she left and a gentleman named XXXX ( no last name given ) said that XXXX XXXX was not available and that he knew all the information about the call. This was before I even told him what the call was about. He told me that there company received a complaint from XXXX that I had an outstanding balance with them which I partially disputed. While talking with him he told me I had to pay them {$2800.00} that day or I would be taken to court and sued for the money. I told him that I did not have that amount and he told me I could pay 50 % and had to come up with the other 50 % within 24 hrs. I told him I could not come up with that amount for the first 50 %. He told me that I would have to get the money from family or Friends or the case will be forwarded the next day. I told him I have not gotten any information on this from them and he said he would send me a letter to explain everything by certified mail and by e-mail. I got a so called explanation via e-mail but still nothing thru the postal service which he said he would sent. This has been XXXX week ago ( XXXX/XXXX/16 ) and my mail has not brought me anything from them as promised ( XXXX/XXXX/16 ). As stated I have been getting the phone calls with no messages left. When I do get a message is very unprofessional and degrading. Today I was called at XXXX from XXXX XXXX about not following up with her company which in fact I did on XXXX/XXXX/16 when I talked to the XXXX XXXX. I answered the phone and told her that I have not received the information requested ( certified letter ) and to cease calling my home phone. I checked out XXXX with the XXXX and found out that they XXXX has a F rating with them and also was informed by the XXXX to not pay XXXX anything. I have been getting phone calls from XXXXI with different numbers showing up on my caller ID with no company name attached. I found out who they were by reverse number checks. The number that left a message by XXXX XXXX was a XXXX cell phone but the company is located XXXX. They call XXXX4 times a day and leave no return call including from the XXXX number.
Consumer complaint received 2023-03-03
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 XXXX # XXXX, Account XXXXXXXX XXXX  DELAWARE # XXXX, XXXX XXXXXXXX # 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, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX FLORIDA # XXXX, XXXX XXXX XXXX FLORIDA # XXXX XXXX XXXX XXXX XXXX FLORIDA # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-15
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 several endeavors 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (FL)

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent SELFINC/XXXX you furnished alleged transaction on my XXXX, XXXX, XXXX that you identified as late. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. 

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. 

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not rely to me stating that you are furnishing accurate information because we both know youre not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).
Consumer complaint received 2016-08-26
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: MFP, inc. (FL)

Violation of Hippa, Hitech regulations, unlicensed debt collector, no attempts to claim debt, just reports PHI on CRA 's site. Multiple complaint regarding the alleged debt w/ XXXX CA 's seemingly working together no proof of Associates Agreement w/ " original creditor '', on going investigation from Florida Department of Financial Regulation regarding collection activities of XXXX agencies. 
XXXX lost claim with XXXX, same claim submitted by " different '' CA ... if you look @ mail receipts from certified mail I 've sent same person signs for mail, They 've lost @ XXXX CRA, use different Company to submit same claim @ different CRA, never a direct attempt made to " collect debt '', just reporting to CRA 's is their tactic. 
Chief concern is HIPPA violations by original creditor, multiple breaches of privacy & security of PHI ( how many of these " low end '' agencies are going to end up w/ my PHI? ) Have filed complaint w/ OCR , FLoFR, next is asking Florida AG consumer affairs. multiple violations of fdcpa, facta, HITECH Breaches ... 
Investigations are warranted. They ca n't just shop this alleged claim from disreputable collector, another without end ... They 've lost their claim, how long do I have to put up with these XXXX getting away with this? ... asking the FEDERAL GOVERMENT TO ACT. IN THIS CASE! 










XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Colony Brands, Inc. (VT)

There is a charged off account still on my XXXX Credit Report that is XXXX XXXX XXXX since the date of delinquency and is now time barred from being reported on my credit report. I have disputed this account 5 times, showing proof of the last payment made to XXXX. After XXXX failed disputes, I called XXXX to ask how to go about getting it removed. They told me to contact the company directly. I did this and the company is telling me that they don't remove charged off accounts, that it is up to the credit agency to remove it after I dispute it. I am requesting that you help me get this account removed from my credit report.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (VA)

This is a complaint on American Express for deceptive marketing, innaccurate information provided explicitly by customer service, and unfair treatment contradicting information provided by the company. 

I have an American Express Platinum card, which grants me access to their XXXX XXXX. The card comes with a hefty annual fee of {$690.00}. On XX/XX/2022, I reached out to their customer service agents via chat ( screenshots available ), and asked for clarification on their XXXX XXXX access policies. Guests are only allowed to enter within 3 hours of their departing flights, unless they have a layover. I reached out asking if this layover applies to overnight layovers as well, and whether I could access their lounge the night before the morning flight. Amex confirmed that I could, but ultimately, I was denied access because the lounge agent stated the layover needs to be on the same day. This was not explicitly stated on their website OR terms and conditions ( at the time- this has since been updated ), and to make the situation worse, I relied on information explicitly provided by customer service stating the contrary. This led to a terrible experience on my 1-year anniversary trip. 

Here is the chat history, word-for-word : Me - " I see the XXXX rule does not apply to layovers, but is this true for an overnight layover? For example, we're flying to XXXX on Monday night, then from XXXX to XXXX on Tuesday morning. Would we be able to access the XXXX XXXX on Monday night? '' Amex - " As per the terms of the XXXX XXXX - They do admit card members with layovers or connecting flights who produce proof of a connecting flight from the same airport. '' Me : " and that's even if the connecting flight takes off the following morning? '' Amex : " Yes, that's right ''
Consumer complaint received 2024-03-25
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. (CA)

I want to dispute certain account listed on my credit report, which were reported by your credit bureau. I do not recognize these debts and was not informed of them. Despite providing my updated address, the creditors used my old address when I attempted to contact them. I also submitted the required FTC complaint to support my claim that these accounts are not mine. Consequently, I did not receive any correspondence regarding these debts and was deprived of the opportunity to dispute them. Reporting these accounts to your credit bureau without my knowledge or consent constitutes a violation of the law. Please delete these account right away : XXXX XXXX
Consumer complaint received 2023-07-19
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. (DC)

My apartment was looted and flooded. Cards and I D taken and fraudently charged my cards. I submitted DC police report XXXX. XXXX XXXX Bank allowed fraudulent charges and owes me over XXXX for fraud.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (AR)

On XX/XX/XXXX I deposited my amended tax refund check from the IRS. This was a check that I had spoken to the IRS several times about and was expecting..my amended taxes had been accepted by the IRS on XX/XX/XXXX XXXX The check was in the amount {$4600.00}. I used Chime Mobiles check deposit and followed all depositing information. The check was accepted and deposited into my account. I then laid down to take a nap and when I woke up I had an email from Chime stating that my account had been closed and I had no access to my funds. I reached out to Chime for XXXX days by both email and phone and did everything that was requested of me. I provided my DL on front and back, my social security card, a utility bill, my tax transcript, a copy showing where the IRS has accepted my return. I even provides the letter I received from the IRS stating I had a refund coming. Chime requested 7 times this documentation and 7 times I submitted and on XX/XX/XXXX I received an email from Chime that my documentation did not meet requirements and they were closing my account and I would not receive my funds back. I was told because of security that could not tell me why or discuss anything but that I needed to reach out to the issuer of the check to see who the check was Intended for and who the actual payer was. So, on XX/XX/XXXX I called the IRS, who verified the check was sent by the the US Treasury as a federal tax return and I infact was the correct payee as the check said. Since then, I have received nothing from Chime. Chime closed my checking, savings, and my credit builder card and will not allow me access to any of these. They also will not give me any account statements for records or Information.