davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

I noticed some inaccurate information on my credit report and went to the annual credit report site to get a copy of my complete consumer report. The site had an error where i couldnt download or view the report at all. I went to request a copy and I sent a letter to XXXX immediately to have it resolved. I haven't gotten a response yet and I need that report immediately as there may be serious issues on the report I need to address.
Consumer complaint received 2022-04-16
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Acct # XXXX XXXX XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX XXXX XXXX XXXX Acct # 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 2022-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (MA)

I have received TD Bank 's offer as a Convenient check. The offer was One time 3 percent transaction fee amount of the check and free of finance charge till XX/XX/XXXX, after I took advantage of the offer I realized when I got my first statement that I got charged transaction fee And Finance charge.. 

I immediately got in touch with them and explained the situation..They told me that I was a couple of days late to deposit the check. This could very well be my mistake as I did not see the fine print on the check stating " NOT VALID AFTER '' XX/XX/XXXX... 

I kindly asked them to stop charging me finance charges... I got no help..I explained to supervisor ... I got no help... I have written certificate letters explaining the situation. Told them they VALIDATED the check that was not VALID... I got no reply..I got panicked and I stopped sending them the payments ( I thought If I sent them the payments I would accept both mistake 's responsibilities..? ) ..Throughout these times I have received Late payments and Payments demands and letter requests if there is dispute... Again I did write them explaining and trying to resolve this ... I got no sufficient response explaining why I pay Finance charge and transaction fee... 

What they are doing is not right ... There is a mistake done by me ( depositing the check 4 days late which was no longer " Valid '' ..There is a mistake done by them, which they " Validated '' the " Not Valid '' check without letting me know the consequences
Consumer complaint received 2016-08-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

We are attempting to sell our house but can not because Ocwen in unable to provide us an accurate payoff amount. Due to a prior loan modification, Ocwen and I have a profit sharing agreement if I sell the home for more than the baseline amount, modified by any capital improvements I have made since the modification. Receipts were sent to Ocwen on XX/XX/XXXX and XX/XX/XXXX concerning capital improvements. Ocwen acknowledged receiving them and promised to respond within 24 business hours per their email. It is now XX/XX/XXXX and both my wife and I have spoken to Ocwen multiple times with zero results. Anyone we talk to says they will look into it and get back to us but never does. At this point I expect to need to get legal representation because Ocwen is causing me financial harm as I can not sell my home due to them not following through on their contractual obligations. It is impossible to talk to anyone who knows anything about anything and my contract to purchase a new house is about to expire as I can not sell my home as agreed upon.
Consumer complaint received 2022-04-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

With all credit bureau I have been sending letters to them to have an accurate things removed off of my credit report and I haven't got any information back. Been doing this since XX/XX/2021.
Consumer complaint received 2022-04-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (AL)

I just ( XX/XX/22 ) received a letter from my employer about wage garnishment that will start on XX/XX/22. That I had no idea about any type of legal action against me.. And the amount that are wanting to garnish will ultimately cause me to not be able to pay my mortgage and the needs of my children..
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

After previously filing a complaint against Macy 's for failing to acknowledge that payment in full had been made on my account, they finally admitted that I paid them. 

But they now claim that they received payment XX/XX/2022, which is the day after payment would have been due and so they are reporting my payment as late. 

Yet they cashed the check in XXXX. 

How can they cash my check before the due date and then report the payment as late?
Consumer complaint received 2022-04-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (GA)

I contacted them a few times and they requested I send over 30 pages of documents and would not process funds as original requested. When I left XXXX now XXXX XXXX I filled out a roll over form for all my retirement accounts. They send half to my managed 401k and then for some reason sent the other half to Citibank and converted it to a Roth. I have asked them to undo this and fix it but they refuse. Then they have asked me for 30 pages of documentation and refuse to provide me access. This should be a one page roll over form and proof of identification but I feel like this is a scam to manipulate and then deny me access to my money.
Consumer complaint received 2022-04-16
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: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX. 2021, and XX/XX/2021 I filed a Federal trade Commission Identity thief report along with a XXXX XXXX XXXX Police Report for Identity thief. 

I then disputed several account on my credit report with the following bureaus EXPERIAN, XXXX, AND XXXX... In accordance with the fair credit reporting act. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have violated my rights... 

In accordance with the fair credit reporting act section 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 2 : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN LATE FOR ANY REASON
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX. 2021, and XX/XX/2021 I filed a Federal trade Commission Identity thief report along with a XXXX XXXX XXXX Police Report for Identity thief. 

I then disputed several account on my credit report with the following bureaus XXXX, EQUIFAX, AND XXXX... In accordance with the fair credit reporting act. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have violated my rights... 

In accordance with the fair credit reporting act section 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 2 : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN LATE FOR ANY REASON
Consumer complaint received 2022-04-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/2022 i was charged {$640.00} for XXXX XXXX XXXX XXXX. The charge was not authorized by me nor did i have knowledge of this charge and is therefore fraud. I called the company and was told the card was not present for the transaction and was made by a man. Im a woman and i was in the hospital at the time with covid. The establishment where the charge occured is also over an hour from my home. I filed a complaint on XX/XX/2022 and it was denied. I've filed another complaint on XX/XX/XXXX, XXXX im waiting to hear back. I want my money back since this is fraud.
Consumer complaint received 2022-04-16
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: Experian Information Solutions Inc. (PA)

I have took the time to review my credit report and saw that there are accounts that i did not authorize being furnished to my account. I understand that by law if something is the result of identity theft it is to be blocked and removed within 4 days. Please see FTC report for full details.
Consumer complaint received 2022-04-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

With all credit bureau I have been sending letters to them to have an accurate things removed off of my credit report and I haven't got any information back. Been doing this since XX/XX/2021.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2022-04-16
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. (GA)

I have a XXXX XXXXXXXX XXXX  XXXX and requested a credit increase. To do so, I was required to unlock my frozen credit. The first two times, I was requested to unfreeze Experian. I did so, and was told the credit was frozen. On XX/XX/2022 XXXX told me to unlock XXXX which I unlocked for two weeks. I again received a denial because my credit was locked and needed to unlock Experian. I called on XX/XX/2022 and spoke with XXXX with XXXX. She requested I unfreeze my credit with Experian. I unfroze my credit until XX/XX/2022 and requested she make a follow-up call. 

XXXX called me today, XX/XX/2022 and said my credit was frozen with Experian and it was my problem. She tried 2 times with her back office and both times it was shown as blocked. XXXX refused to escalate the problem with XXXX. I verified on the Experian site that my credit was unfrozen. Experian is unreachable.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX I found that my credit score had been dropped by XXXX points by synchrony Bank for a balance that was yet to be owed. I spoke with the bank who said that they would fix the problem. I checked my credit report and found that they did restore my credit score, but as of today XX/XX/XXXX synchrony bank has infringed on my credit score again dropping it by XXXX points for some erroneous reason. Synchrony bank is infringing on my rights under the California fair reporting act. Their hijacking of my credit must stop.
Consumer complaint received 2022-04-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report on XX/XX/XXXX and XX/XX/XXXX but I was ignored in my initial reach outs. When I did not receive a response I sent a a second letter and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request.
Consumer complaint received 2022-04-16
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. (PA)

I have took the time to review my credit report and saw that there are accounts that i did not authorize being furnished to my account. I understand that by law if something is the result of identity theft it is to be blocked and removed within 4 days. Please see FTC report for full details.
Consumer complaint received 2022-04-16
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. (PA)

I have took the time to review my credit report and saw that there are accounts that i did not authorize being furnished to my account. I understand that by law if something is the result of identity theft it is to be blocked and removed within 4 days. Please see FTC report for full details.
Consumer complaint received 2024-03-12
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-04-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (AR)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against IC SYSTEM for committing identity theft. I have never given IC SYSTEM, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with IC SYSTEM and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving IC SYSTEM any right to collect on this alleged debt. 
I have never received any documentation requesting validation from IC SYSTEM, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If IC SYSTEM, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until IC SYSTEM, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and IC SYSTEM, continues its collection efforts, I will file for litigation for actual damages caused and I, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-04-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MI)

I am 30-59 days late on my payment with the credit card company. I had unseen events that come up that I had to rearrange money around to pay for the past couple of months. I have received multiple phone calls a day from this company but never received anything in the mail or by email. I have mailed a letter to the company asking to be only contacted in writing. Most recently I have received 3 phone call in a 1 hr and 33 minute time frame from this company I received a phone call at XXXXXXXX XXXX, XXXX XXXX. and XXXX XXXX  on XX/XX/2022 only. Comenity Bank then they proceeded to contact both of my parents as well on different phone numbers trying to get a hold of me. My parents do not live with me and I have never put them down as people who are allowed to be contacted on my account. They call on average 3-4 times a day every single day and those are only the times that I am aware of as I do also receive multiple no caller id phone numbers as well.
Consumer complaint received 2022-04-16
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: Experian Information Solutions Inc. (RI)

In accordance with the fair credit reporting act these accounts have violated my rights XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX 15 U.S.C. 1681 section 602 A states I have the right to privacy also states a consumer and reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-16
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: CITIBANK, N.A. (FL)

On or about XX/XX/2022, I received an alert regarding my credit file. After reviewing the alert, I realized that Macy 's report a 30 late payment on my credit file, which reduced my credit score by XXXX points. I contacted Macy 's to find out the reason why they reported a 30 late payment on my credit, and I was told that I missed a payment. In the pasted 7 years I've always have auto pay that way if I were to forget to pay my bill the auto pay would illuminate those issues. In the past 7 years I have never had a 30-day late payment on my Macy 's account. Macy 's removed my auto pay and claim that they try to initiate a payment from my bank, and it did not go through. I contacted my bank with a Macy 's representative on a 3-way call and the bank representative told Macys that the account had sufficient funds to cover the amount they try to withdraw. Clearly Macy 's made an error with their process, or they deliberately did that to ruin my credit file. I am requesting Macy 's to notify all 3 credit bureaus and notify them to remove the negative remarks from my credit file immediately. Macy 's credit department did not notify me that they tried to initiate a withdrawal from my checking account on file. Macy 's credit department did not notify me that I was falling behind 30 days. Macy 's did notify me that they removed the auto pay from my credit file. Had Macy 's followed their company 's policy, this incident would not have happened. I am in the process of closing on a new home in less that 45 days and with this negative report on my credit file, it will prevent me from closing. This will prevent tm from getting a mortage. This matter needs to get resolve immediately without any further delays.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (RI)

In accordance with the fair credit reporting act these accounts have violated my rights XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX 15 U.S.C. 1681 section 602 A states I have the right to privacy also states a consumer and reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-03-12
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. (IN)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

in accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 instructions