davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: CITIBANK, N.A. (FL)

I received a letter from Citibank stating that I needed to go to www.citi.com/refundinquiry as I may have been overcharged for monitoring services during my 10 year tenor with the bank. When I went o the website there was no page. 
The letter stated the claim would need to be filed before XX/XX/XXXX 2017. I was provided a reference number to get started and that did not work.
Consumer complaint received 2023-07-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (GA)

During Covid I was harassed monthly by XXXX XXXX XXXXXXXX XXXX XXXX leasing office agent although they received their rental payments on time. Monthly, I was threatened by them that myself and my XXXX children ( XXXX of which were XXXX  ) would be kicked out on the streets After receiving a fake eviction notice on red construction paper I was basically forced to leave the unit without anywhere for my family to live due to the constant harassment, emotional distress and feelings of uncertainty and safety. We were homeless living out of my car for 4 months. The makeshift eviction notice contained a signature of someone who was no longer an employee at the property and Im sure she has no idea her signature was used. The property also received 2 months rent on my behalf after my move out although I was no longer occupying the unit. While residing in the unit maintenance never came to fix anything that I put a work order in for they just marked it as completed in the portal. My garage door didnt work for XXXX months even though I put in several work orders to get it fixed. XXXX months after moving out I was contacted by a collection agency regarding a balance of {$590.00} that I had no knowledge of and was unaware even existed. I requested information regarding the balance from the collection agency and the property and never received either although I was informed that I would. I never received anything from the company stating that I owned anything. I wanted to know exactly what I was being charged for seeing as though I left the unit in excellent condition other than the normal wear and tear of living there for almost 8 years. I never received the information requested and 2 months later the balance appeared on my credit report. Charging people unknowingly, for unknown reasons and attempting to ruin their credit is illegal and extremely unprofessional. It was a complete nightmare living there after 2019! I would like for their billing department to credit the charges and remove it from my credit immediately!
Consumer complaint received 2023-06-05
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-06-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MA)

Venmo permanently deactivated my account and refuses to release my XXXX $ out of my balance I provided identification documents and everything and they still are trying to make me wait 180 days its been 90 days now and they still have not released my money I have not been able to pay my rent since they restricted my account
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

Its been several times already that I try to make a payment online for my XXXX Credit card and I put in my login credentials and then theyll make me verify with a code and then takes me to a page that says the website is not working or not available? Then it says to contact Bread??? That theyre the new company in charge of the credit card, when I never got any notice in regards to this. Anyway, each time Ive tried to make an online payment Ive gotten this message. Ive been able to make a payment maybe 3 times??? Online. All the other times I was not able to and led to me getting late fees! Why didnt I call to try to make a payment? Oh I did, waited forever and got hung up on? I do not have the time to call in to make a simple payment, all my other payments are made via online/app. So I think its completely absurd and unfair that theyve charged me probably over {$100.00} of late fees in less than ONE year.
Consumer complaint received 2023-06-05
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)

I am writing to you to report an unjustified derogatory statement on my credit report, which remains on my credit bureau report, including TranUnion LLC. The comment is an error because XXXX XXXX XXXX ( XXXX ) credited the wrong account for {$2300.00}. The error resulted in late fees and interest charges on an incorrect balance, as XXXX had not credited my account. XXXX received a check from XXXX XXXX XXXX XXXX on my behalf on XX/XX/XXXX, cashed it on XX/XX/XXXX, and credited it to another account error. As a result, late payments were reported in error to the credit bureaus, adversely affecting my credit ratings from the high XXXX to the mid and high XXXX. 
Since providing evidence of payments and disputing the derogatory comments on my credit report, XXXX has finally corrected their error and credited my account for the {$2300.00} and all late fees and interest charges, demonstrating that I was not in error in my dispute. However, the credit bureau, TransUnion, has declined to fix the problem because of incomplete information about the dispute provided by XXXX. They needed to report an accurate outstanding balance, the reimbursed late fees and interest charges, and a full accounting and admission of the errors by the bank. I
Consumer complaint received 2023-05-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Stewart, Zlimen & Jungers, Attorneys, Ltd. (MN)

Ran into unavoidable financial trouble and unfortunately was unable to make payments to a XXXX XXXX XXXX XXXX Was served with a lawsuit in XXXX by the law firm Stewart Zlimen and Jungers out of XXXX Minnesota. I immediately called and tried to get it taken care of and get some sort of payment arrangement set up as I was not trying to deny the debt, I just could not afford payments temporarily. The law firm made it almost impossible to get in contact with them, I left a message on or around XX/XX/XXXX stating my name and that I wanted to settle the debt. They did not respond and went ahead with the lawsuit. I didn't fully understand the nomenclature on the papers served and lost the lawsuit by default as I thought there would be a court date attached at some point, there was not. Then on XX/XX/23 my checking account was offset {$1300.00} and my savings was offset {$3100.00}. These funds were a combination of payroll funds I had saved up, and deposit for a job that services had not and still have not been performed as the money that was supposed to go to that job was taken. I did not take action then as I thought it would be a one time thing wouldn't happen again. I then tried to settle the debt with the lawyers but my offer of $ XXXX was rejected and they wanted the balance in full. This after they had literally drained my accounts so I had nowhere near the almost $ XXXX they wanted. Then in XXXX I received a letter they were going to garnish my wages. Not much I could do about it so the garnishment began on XX/XX/23 in the amount of {$550.00}. My next paycheck was on XX/XX/23, also the day I was let go from my job. On that check, {$680.00} was taken out of my last paycheck. On the morning of XX/XX/23 I filed for unemployment at around XXXX XXXX. At XXXX my checking debit card was declined, which it should not have. Turns out the law firm did another offset of my accounts, on wages that had already been garnished! This time they took {$2800.00} from my checkings and {$410.00} from savings. Again this was out of funds that had already been garnished, so they basically took 100 % of my paycheck, and what other funds were in there were from the same job that has yet to be completed as the homeowner floated me another payment to pay for material and labor costs. I had just made a mortgage payment on XX/XX/23 that is now going to be declined causing not only an overdraft with their client ( XXXX XXXX ), I will now incur late fees from the mortgage company and am left unable to pay it as all my funds were seized.
Consumer complaint received 2023-01-19
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. (CA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/23 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2024-02-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Kashia Services (MS)

On Tuesday, XX/XX/XXXX, I applied for a personal loan of {$800.00} through XXXX  XXXX XXXX. Went through the process of sending paystubs, proof of income, and all the typically required documents. 

I received a call that evening stating Blue Mountain Loans needed to see my transaction to XXXX of {$120.00} posted to my account. 

On Wednesday, XX/XX/XXXX, I supplied the screen shots from my bank account showing the charge has posted it. I sent two variations showing it was hard posted to my account. It is unclear why I had to do this when they had linked to my bank account three times at this point. 

I received an email from Blue Mountain Loans on Wednesday at XXXX XXXX stating " Hi XXXX, this is XXXX. Your loan is approved for {$800.00}. Before funding, can you please confirm you have review all banking information entered to ensure funds are set to your bank account? Thank you! '' I responded confirming all my banking information is correct at XXXX am. 

I also received a text from XXXX XXXX at XXXX am with the exact same verbiage as the forementioned email. 

That same day ( Wednesday XX/XX/XXXX ) I received a call from XXXX XXXX XXXX asking for information from my XXXX loan. I asked if they were affiliated with XXXX and was told no. However, I provided to provide screen shots of my payment history with XXXX. During this call I was told everything was good and I would receive the funds by XXXX same day. 

Then I receive another call saying they need to show it has paid? I asked again if they are affiliated with XXXX XXXX to which XXXX XXXX answered XXXX. I asked why they needed this, couldn't get an answer. I asked for a supervisor and my request was not met. 

I called again as my screen shot on my payment history shows the payment for XX/XX/XXXX to XXXX was zero and my Bank account screen shots AGAIN to be told it's not enough they need XXXX to show it as paid to receive my pay out on the approved loan. 

This is going on day three, upon further review all that is legally required to is my banking information, social, and proof of income which have all been provided and obviously led to my " approved '' status. There is no clear answer as to why XXXX XXXX XXXX needs any information on a loan outside of them and that they are not affiliated with. 

I signed an agreement to pay {$3000.00} to borrow {$800.00} due to being stuck in a hard place and the weekly payments to XXXX XXXX outlined in the XXXX XXXX are less than 10 % of my weekly pay. 

I wake up to an email from XXXX XXXX at XXXX am stating now my loan is " pending final approval '' and that approval is not guaranteed and dependent upon " underwriting guidelines ''. 

The company is asking for information not pertinent to them nor my loan or agreement with and to Blue Mountain Loans. The " Goal Post '' keeps moving further and further back and coming off as deceitful practices and creating unnecessary practices.
Consumer complaint received 2023-01-24
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-05-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Western Mercantile Agency, Inc (OR)

After being contacted by Western Mercantile regarding medical debt and learning my husband was being garnished for a debt, I requested complete verification of all debts they claimed to belong to me. I requested to receive all information I am entitled to to assist me in verifying the debt and specifically requested a complete accounting ledger of each debt that included all information I am entitled to as a consumer ( name of the original creditor, associated account number, itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records, current amount of the debt as of when the validation notice is provided, etc. I was instead mailed a basic list of each debt amount with account numbers and original creditor names. I again contacted Western Mercantile to request the complete itemization of each debt per the Debt Collection Rule that became effective XX/XX/XXXX  and was repeatedly told I was provided all the information they were required to provide but that they would 'put my accounts back in dispute ' and send me another copy of what I had already received for verification of the debts. The next verification document I received following that call differed from the first as the debts were not consistent with the first validation document and I still was not provided any itemization. I called again to ask about this and was told by XXXX that they were not required to provide anything else. I asked her to provide all open account numbers they had listed as my debts and the current balances and the information provided was also inconsistent with the letter I had received just two weeks prior. I again asked for a complete itemization of each debt and was told again that I had already been provided all information I am entitled to for verification purposes however multiple accounts have balances significantly higher than the documentation they provided for those accounts.
Consumer complaint received 2023-01-19
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX weeks ago I closed a credit card account with Bank of America.XXXX XXXX XXXX was XXXX XXXX XXXX XXXX. The account had a credit of {$24.00}. XXXX weeks ago I contacted Bank of America and a representative told that they were going to mail me a check for {$24.00} corresponding to the credit that I had in my credit card account. The check has not arrived yet. XXXX weeks ago I contacted Bank of America again and a representative told me that they were going to mail me a check. The check has not arrived yet. Please XXXX Bank of America to mail a check with the amount that they own me.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Trans union is currently showing 21 inquiries on my credit report, that was never authorized. According to the law and congress, 15 US Code 1681a & e Congress gives me the full right to privacy. A consumer may not have his or her consumer report accessed without proper acknowledgement or permission. I have no letters, or no phone calls that I ever recievd asking or letting me know that my report was and will be pulled. 

I have reached out to trans union, and XXXX amd XXXX with the laws and congressional findings giving me this right as well as the law that protects me against this kind of agress and unlawful consumer dealings. This kind of consumer reporting behavior shows discrimination as well as unlawful
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX inquired on XX/XX/2023. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Consumer complaint received 2023-05-16
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)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-16
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: Early Warning Services, LLC (IN)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Early Warning Systems XXXX XXXX XXXX XXXX XXXX, AZ XXXX REF CASE ID : XXXX REF CASE ID : XXXX REF CASE ID : XXXX REF CASE ID : XXXX REF CASE ID : XXXX REF CASE ID : XXXX REF CASE ID : XXXX REF CASE ID : XXXX REF CASE ID : XXXX To whom it may concern : It has come to my attention that Early Warning is willfully not complying with the FCRA. I have attempted on several occasions to obtain information in your database which you report to my consumer file and each attempt you have stated that you do not have access to the information I have requested and refused or ignored my request to remove the items from my consumer file. This puts Early Warning in direct violation of the FCRA which I will sue for. 





Section 1681g ( a ) ( 1 ) requires that a consumer reporting agency " upon request,... clearly and accurately disclos [ e ] to [ any ] consumer :... [ a ] ll information in the consumer 's file.... '' 15 U.S.C. 1681g ( a ). A consumer reporting agency is liable for " actual damages '' if it negligently fails to comply with this requirement, 15 U.S.C. 1681o ( a ) ( 1 ), and it is liable for " actual damages, or statutory damages ranging from {$100.00} to {$1000.00}, as well as punitive damages and attorney 's fees '' if it willfully fails to comply, 15 U.S.C. 1681n ( a ) If you can not comply or refuse to comply with the above mentioned FCRA regulation Section 1681g ( a ) ( 1 ), I demand Early Warning remove all disputed items/accounts from each of the referenced Case IDs above. 



In addition, Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section- Please send information from YOUR database. Not information that you have to acquire from XXXX XXXX XXXX or XXXX XXXX XXXX XXXX for the investigation. 



Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation.