davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (OH)

I opened an AA Citi Advantage Credit Card to gain the promotional value for a flight I was booking that day. I was told I would receive a temporary card number so that I could use my card immediately. I never received the temporary number via email and I didnt see it on my screen when it supposedly displays. When I called and spoke to 10 different people who bounced me around from Citi dept to dept, I was it would be emailed within 24 hours. I never received it, so I called again the next morning and spoke with a supervisor who said those people were incorrect and that I just had to wait for the credit card to arrive. I said it is false advertising if you are telling people they can use the card immediately to book the flight but cant. I said now I just have a credit card opened and can not book my flight or use the promotional advertised rate. I was hung up then by that supervisor who said he could only close the account for me, without even trying to resolve my problem. I asked for one of 3 solutions : to generate and resend the temporary card number, give me the actual credit card account number as the account has been created, or credit me in the amount that the flight will surely go up with another 10 days as it is a XXXX flight in the amount of {$200.00}. The supervisor told me they could do nothing to remedy my problem but close the account after I provided MY personal information, like SS #. I said you have my personal information, I am giving it to you, so I would like the account number and I was just hung up on.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

see attached Transunion was notified XX/XX/2022 of account ( XXXX ) resulting from identity theft and have failed to block account 4 days after receipt.
Consumer complaint received 2023-01-16
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. (FL)

I was a victim of theft in XXXX XXXX, 2021. My purse was stolen with all my identifications in it. I made a police report in XXXX county, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taken the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a 609 letter because I know this is not mine. They have not provided any proof nor removed it. XXXX also said they can't find anything on this account. Please help
Consumer complaint received 2024-03-14
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. (PA)

FCRA 605B mandates the removal of any inaccurate accounts from my credit report, if I'm not mistaken. Can you review the documents, please? There are inaccuracies in some of the listed accounts, and it's unsettling for me
Consumer complaint received 2024-03-14
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: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I timely made a payment to Bank of America Credit Card Services on XX/XX/2023 in the amount of {$3200.00} ( which was more than the total amount of the outstanding charges, in effect i was paying ahead on charges that had yet to be posted ) using a teller 's check that I purchased from XXXX XXXX XXXX XXXX ( my bank here in XXXXXXXX XXXX ). Bank of America acknowledged receiving my payment by email to me dated XX/XX/2023. 
On XX/XX/2023 I received a letter from Bank of America saying that the check was returned for " Insufficient Funds ''. Puzzled, I went to my XXXX XXXX to inquire how its teller 's check could have been not honored. I learned that Bank of America had not presented the check for payment. When I called Bank of America to inform its officers of this fact they insisted that I prove to them that I had sufficient funds in my account at the time I purchased the teller 's check which I did. 
Today I received a letter from Bank of America saying the check was returned due to " Unable to Locate Account ''. Again, I went to XXXX to inquire about this and again I was advised that Bank of America has never yet presented my check for payment. 
All of this is documented in correspondence I will present to you.
Consumer complaint received 2023-09-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (GA)

A debt has been placed in collections and listed on my credit report for rent recovery. The debt isnt my debt. The debtor is Rent Recovery Solutions on behalf of XXXX XXXX XXXX XXXX XXXX The acct is XXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX. The phone number is XXXX ext XXXX. The amount is {$24000.00}. This is not my account.
Consumer complaint received 2021-02-19
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: Sequium Asset Solutions, LLC (TN)

Ref earlier complaint, XXXX, Sequium Asset Solution. Have been thru the process, attempted to call them with no success. Phone for XXXX XXXX message box full, won't take new message, indicates she will call if she decides to. 

Original complaint refers to XXXX XXXX Acct # XXXX, which is NOT mine. Refers to account in XXXX XXXX, TX, in XXXX. 

I have lived in XXXX, TN, since XXXX. In fact, had a XXXX XXXX Acct, XXXX. XXXX, from XX/XX/XXXX thru XX/XX/XXXX. 

No one, XXXX, Sequium, or any one else, ever contacted me about a delinquent acct.
Consumer complaint received 2023-01-16
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-06-27
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: EQUIFAX, INC. (MA)

I logged into Equifax to try and lift a freeze to apply for a credit card and they couldn't verify my identity even with my social security and all other information because I didn't have a credit card already set up. I just wanted to temporarily lift a freeze, and XXXX other companies would let me, but since I didn't have a credit card they wouldn't let me.
Consumer complaint received 2019-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/2019, I opened a bank account with USAA. My mother, a long-time account holder, eligible based on her fathers military service, helped me do so. 

Between XX/XX/2019 and XX/XX/2019, I deposited {$3200.00} into my USAA checking account and {$550.00} into my USAA savings account, for a total of {$3800.00}. On XX/XX/2019, I was revoked access to my online account portal ; when trying to login, the official USAA app displayed a message instructing me to call. 

When I called that day, a representative told me that my accounts had been closed, that USAA would no longer be doing business with me, and that he was not permitted to tell me why. After numerous phone calls that day, I came to understand that banks are allowed to refuse business to any customer for any reason except discrimination, but are required to return said customers money in a reasonable amount of time. A USAA representative finally confirmed my mailing address and told me that I would receive a check for {$3800.00} within 30-60 days. 

As of yesterday, XX/XX/2019, I still have not received that check. As such, I called USAA to ask when I should expect my {$3800.00} check. The representative told me she could not talk to me. I asked her to connect me with a supervisor. After a short hold she returned to the line and said that she was unable to connect me with a supervisor for the same reason she could not tell me any information about my accounts, and that she was going to end the call. I told her that I would take legal action if she did so. She then hung up on me. 

Thus, I am submitting this complaint against USAA in order to have my {$3800.00} returned.
Consumer complaint received 2023-06-27
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 reference to : XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX XXXX My account was marked late in the month of XXXX and this is preventing me from buying a home. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 US Code 1681 Section 602, this law states that I have a right to privacy. Under 15 US Code 1681 Section 604.A.2, this states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 US Code 1666.B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late, for any purpose.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AL)

I sent the bureau a certified letter more than 30 days ago that included proof that the discharged XXXX XXXX were supposed to be removed from my credit report. I sent them what it studentaid.gov has listed on their website and the letter that was sent to me both stating that when they were discharged due to the school submitting fraud they were supposed to be removed from my credit report. This bureau has intentionally broke the law by ignoring all of my disputes and information and keeping the negative information on report. This has negatively impacted my ability to secure credit and get housing. I have stated this to the credit bureau but they continue to ignore my requests and not adequately investigate and remove the information. I have included proof with this complaint also. I have also included the return receipt I received from the dispute proving it was indeed delivered.
Consumer complaint received 2023-06-27
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. (NY)

Just look at my report and again i have someone again is reporting information fibulas filling on my report i should had been notified before reporting anything on my report this is affecting my score drastically to the point its causing so much in my life i can't even file for a HELOC loan to help me thru all the financial hardship due to covid pandemic. 
Trans Union kill my score from a XXXX to a low XXXX the hard inquires with complete false address out of California.
Consumer complaint received 2019-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In XX/XX/2019, I contacted Capital One as I was unable to access my account and was receiving a message that my information was incorrect, yet I had not changed any of my log on info. I attempted many times to retrieve my account by using the " forgot my username/password '' option but was not getting the emails. It was then I realized that I hadn't been receiving any of my emails from Capital One but I am receiving someone else 's emails. I contacted Capital One and was informed that it was more than likely fraud so they would have to escalate the account for further review and I would receive a call back within 7-10 business days. Two weeks had passed and I had not received a call back so I contacted Capital One again as I was very concerned as I could not access my account. I was told it was still being worked on and that I should not worry about the status of my account being as though it was now past due. I called back a week later to check the status as I was very concerned as I still could not access my account and had received no information to date. I was on the phone for over four hours being transferred from one representative to the next only to be hung up on and of course no one called me back. I called back and requested a supervisor after reaching dead end after dead end with no answer as to what or why this was occurring with my account. The supervisor apologized and stated she would escalate the case again to necessary department and I would need to call in 7-10 days to check the status. I called back again as my account was now approaching the due date for  XXXX as still no access. I requested that a new card be sent out to me as I was hoping I could register a new card and gain access. I was told they could not do that as my account is past due. As of today, I have no answers other than it has been escalated. This isn't affecting Capital One, this is affecting me. My account has not been paid for XXXX and now XXXX because I have had NO HELP in assistance with gaining access to my account. I am sure I have late fees assessed to my account as well as negative credit status being reported on my credit file for something I have no control over.
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2022-09-06
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: LEXISNEXIS (IL)

Regardless of the multiple written requests, the items listed below are still reporting on my credit report which is a violation of FCRA. LexisNexis failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with LexisNexis, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Bankruptcy XXXX XXXX-discharged Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX -
Consumer complaint received 2022-09-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (CA)

I am in receipt of my most recent credit reporting from XXXX and XXXX Credit Reporting Agencies ( Agencies ), dated XX/XX/2022. Upon perusal, I note that both agencies have reported a new third-party debtor, Cedars Business Services , LLC., erroneously naming me as a debtor to this creditor, XXXX XXXX Orthopedic Surgery without sufficient documentation as proof before listing an your name on an inaccurate creditor on my credit report, in the amount of {$4100.00}. 

This reporting is in complete violation of the FDCPA and has fraudulently violated my rights and the law to report erroneous information as to my, inaccurate dates with an amount due. The debt is not mine and this reporting further violates my rights as follows : 1. 1692 ( g ) For failure to send the consumer a 30-day validation notice within five days of the initial communication. 

2. 1692 g ( a ) ( 3 ) Failure to allow consumer to state Right to Dispute within 30 Days.

3. 692 g ( b ) Failure to cease collection efforts until debt is validated.

4. 1692 f ( 1 ) Attempt to collect any amount not authorized by the agreement creating the debt or permitted by law. 

5. 1692 e ( 11 ) Failure to communicate fail the mini-XXXX  warning : This is an attempt to collect debt.communications from debt collector. 
After viewing a copy of my credit report, I noticed a collection account placed on my credit report on XX/XX/2022. Under the ( FDCPA ), I have the right to requests validation of the debt the third-party says that I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt to this third party.
Consumer complaint received 2022-12-30
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. (FL)

I recently view my credit report and saw a unauthorized credit inquiry in my credit profile made on XXXX XXXX by XXXX XXXX and i will like to have this remove immediately
Consumer complaint received 2023-06-27
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)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 15 US-CODE 1692
XXXX ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Delete this account. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.