davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (AZ)

Company has re-aged my collections accounts in order to fraudulently make the accounts appear newer than they are thus creating a higher impact on my credit rating. This is a predatory practice that creates an undo hardship on my financial well being by suppressing my credit score for years beyond legally allowed!
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX  while a pedestrian. I was taken by ambulance to the hospital with a XXXX XXXX My wallet was never located but my card with Bank of America EDD account was used for over {$440.00} in charges. I filed a claim as soon as I was made aware of the fraud as my phone was shattered and it took time to replace. I have repeatedly requested all documentation that was used in the denial of my claim. They repeatedly send me a bank statement with no documentation explaining how this was used. They were unable to secure any ATM footage showing the ATM withdraw and claim I or someone I allowed used the card. They have failed to prove in any way there was no fraud. I have sent the claim to be reviewed and keep getting denied and even after filing a complaint with cooperate they just keep denying the clams and not producing the documentation and evidence they relied on to keep making the determination. It is illegal for any bank to withhold any documentation they used, or claim to have relied on. Yet they still wont produce a ATM video, evidence placing me with my stolen card, or have an explanation of what proves it wasnt fraud. As is law, the bank must prove conclusively that a transaction was valid and that the claim is invalid.
Consumer complaint received 2023-03-08
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)

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 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (NJ)

COMENITYCAPITAL/CENT Account type - Charge Account Date opened - XXXX XXXX, 2019 Above Account created under COMENITYCAPITAL/CENT without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Consumer complaint received 2024-03-20
Product: Credit reporting 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. (WA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion refuses to give my credit report because there is an open dispute. This is in violation of the Fair Credit Reporting Act. It is a violation of law. The company has every right to list the items in dispute, but to refuse a customer a copy of the credit report is a violation of the California Consumer Protection Act. Having something in dispute status is not a valid reason for Transunion to deny me my credit report. 
Under the Fair Credit Reporting Act : You have the right to receive a copy of your credit report. The copy of your report must contain all the information in your file at the time of your request. The attachment shows that they stated in writing why they did not allow me access to the report.
Consumer complaint received 2024-02-22
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: AMERICAN EXPRESS COMPANY (WI)

I have tried and submitted everything with amex and they refuse to work with me and keep saying the credit card someone else applied for is mine and I have to pay it. 

I have fought with them and provided evidence and police reports for over a year now and they still keep jerking me around. 

Fraud and identity theft.
Consumer complaint received 2023-01-12
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. (MD)

My name is XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PLANET HOME LENDING, LLC (IL)

I have a home loan with Planet Home Lending after a year of having my mortgage with them they are saying that no Cushion was made at time of closing for Escrow or Insurance which was left at time of closing and are now requesting a Cushion to be left of over XXXX which I believe they can only request by IL Law within the first year. which has increased my monthly payment from XXXX to XXXX per month
Consumer complaint received 2020-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge 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/XXXX I used my Citibank Mastercard to pay {$3000.00} to the XXXX XXXX XXXX XXXX ( XXXX  ) to XXXX an XXXX XXXX XXXX ( " XXXX XXXX presents solo show XXXX XXXX '' ) to be visible to the general public and collectors from XX/XX/XXXX to XX/XX/XXXX, on the XXXXXXXX XXXX XXXX XXXX  website. 

The sole purpose of joining an online art fair is to XXXX XXXX online. XXXX promised massive publicity and an exclusive client list of thousands. 

The software used by the XXXX was riddled with problems and totally inadequate. XXXX NEVER MADE MY GALLERY VISIBLE to the public, or to any of their collectors as promised. It was not anywhere to be found on their website despite numerous phone calls and e-mails to everyone involved. I sent proof of this to Citibank - neither my name nor the gallery name came up on any search of the XXXX website or anywhere else. 

Furthermore my own XXXX could not access my gallery. I sent out a private e-mail to hundreds of my personal XXXX. No one could find my gallery on the XXXX site. This was embarrassing and jeopardized my hard-won relationships with them. 

My gallery had a TOTAL of 9 views - and I sent PROOF of this to Citibank.This proof was from XXXX   itself! Those views were all from me trying to visit my own site. 

Needless to say I had zero inquiries and zero sales. 

I told the XXXX I wanted a full refund. They did not reply to e-mails or phone messages. 
I disputed the charge with Citibank. I informed the XXXX that I had disputed the charge as a courtesy at which point they told me directly in a phone call that they would not dispute my dispute. I was led to believe it was resolved. 

XXXX is a knowingly fraudulent company. They have lied about everything and continue to do so. The bottom line is I received NOTHING for {$3000.00} and I will report them to XXXX 

I also sent proof of e-mails from many of the 70 other galleries represented who were lied too and defrauded too. Most of the galleries had zero inquiries and zero sales. XXXX bragged about 12,000 visitors. They failed to provide any real and true data with individual IP addresses. Galleries were rightly furious. 

Today I was informed by Citibank that my charge was reversed and my case closed because I " did not provide a credit slip. '' I immediately called a supervisor who actually agreed with me that my evidence was sufficient, but that he could do nothing because the investigation was with Mastercard and they decided not to pursue it. He send a follow-up e-mail to the investigator, but he was not hopeful. 

I don't believe the 'investigator ' even read my e-mail with conclusive proof of fraud. I asked for a different investigator but I was told by Citibank that it would go to the same person. 

The behavior of both XXXX and Citibank is outrageous. I will not and can not pay {$3000.00} for a service I NEVER RECEIVED. 

Please help. THANK YOU. 

XXXX XXXX
Consumer complaint received 2023-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

I sent letters to XXXX, XXXX and XXXX on ( XX/XX/2022 ) regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over ( 6 Months ) and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so. 

I demand these items I disputed in my letters to be blocked, removed and deleted from my consumer report immediately. I am trying to obtain credit and need the bureaus to respond. Please intervene and assist me with this request.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

My claim is that US Bank has wrongfully auto debited my bank account every month for the past 15 years. For a credit card that i paid off in full or the credit card was charged fraudulently. The monthly charges are still presently being debited from my bank account. At this point I feel like I am at a dead end trying to figure out what occurred with this credit card situation.

I think two things could be possible : 1 ) This is bank error. I did have a US Bank credit card at one point. I paid off this credit card in full. However, US Bank did not properly close out the account and they continued to auto debit my bank account the minimum payment charges.

US Bank can not provide statements or have records going back that far.

2 ) Someone opened or charged credit card using my name and bank account. The reason I think this is possible is because US Bank has a po box address for me in their system and I have never had a po box address. US Bank told me that they have been mailing statements to me all these years to this po box address and all the statements were returned to them due to bad address. Another red flag is the date of birth they have in their system is not my date of birth. In their system they have a date of birth of XX/XX/XXXX and my date of birth is XX/XX/XXXX. In addition, US Bank does not have access to the application when this account was initially opened. Therefore, they dont have proof of who opened this account or when it was opened. They have mailed me letters ( attached ) stating this is not a situation of fraud but give no reason for how they determined this. US Bank has not been able to provide any information to prove that I opened this credit card.
Consumer complaint received 2023-03-08
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 9th endeavor 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 Balance : {$3500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$2100.00}
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLY FINANCIAL INC. (CA)

After I received the Rejection letter from XXXX. I notify the Credit card XXXX whether or not we can cancel charges that I have made to XXXX. but XXXX Credit Card was not response correctly. Originally fee 's was {$280.00} XXXX
Consumer complaint received 2024-03-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (NC)

I sent a debt validation letter on XX/XX/XXXX to Security Credit Services and requested that they validate the debt. I never received the validation letter providing a signed signature of the debt.

When they first reported the Debt the reported it against a different address so I disputed that and they removed it and then reported It against the address that I live at which indicated that it was a fraudulent attempt to collect a debt. I have sent multiple dispute letters to them and have not received any responses. Those letters was sent around these time frames. 

XX/XX/2023 XX/XX/2023 XX/XX/2023
Consumer complaint received 2024-03-04
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (KS)

First I wanted to thank CFPB for the work you did on my prior complaint # XXXX. 
This is closed and their was a clear direction to call the XXXX XXXX # provided to talk about the loan and the options to pay it off. 
I halted because I felt the response was a little threating or an assumption that I was going to take legal action against. 
I took out this loan because of XXXX that morning had shut off my electricity ( started to get rather chilly late XXXX ) and a deadline to have like around {$400.00} to them by their close of the day. 
I never used a payday before. 
The XXXX worked through the process and when I got the {$700.00} approval, she wrote down for to expect around $ XXXX month and that the loan should be paid off within 6 months. 
I signed the agreement on XX/XX/year> but the first payment wasn't due until XX/XX/year> The letter in the prior complaint has stated that my XXXX check was running out around the XXXX of each month. My bad, i did not get another XXXX until XX/XX/XXXX, so I doubled up - but noticed the balance was over {$900.00} I did an audit on my loan, before talking with them. 

I got stuck when I tried to figure the XXXX for 227.8800 % I didn't request a response from the company, but my apologies for this assumption, but I am thinking you might have some words of wisdom from other customers who signed with XXXX XXXX. 

I discovered that the minimum payment due that the XXXX XXXX provides, only covers interest. 

XXXX. So if anyone has figured out how to pay the 97 % interest and then somehow pay more then 3 % to XXXX. 

XXXX. Also if their is a best practice for how to get ahead of this 227.8800 % interest charge, I sure could use the wisdom. 

Looking at my options- of which I dont really have except just to surrender the car to them. 
The other XXXX I dealt with said that the girl who signed me up did not make it clear that if I miss XXXX payment, the tow truck is ready and if it was her, she would have repossed my vehicle. ( for her payment I had to reach down to my nephew to get the {$300.00} ... .it is like the XXXX part XXXX.
Consumer complaint received 2023-03-08
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. (SC)

I just received my reinvestigation back from Transunion. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The account status, date opened, high credit, credit limit, last reported, date last active and date of last payment are NOT 100 % accurate. 

See pages 22, 23, 26, 27 of the attached credit report as evidence. 

XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ). 

I attached a consumer report as evidence.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Army and Air Force Exchange Service (CO)

REQUESTING TO REMOVE ADDRESSES FROM MY ACCOUNT. INACCURATE ADDRESSES ARE LEAVING ME SUSCEPTIBLE TO CONTINUED IDENTITY THEFT. PLEASE DELETE OLD ADDRESSES AS LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-19
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. (IL)

Equifax is reporting a collection on my credit which is inaccurate and is a Direct Violation of the Fair Credit Reporting Act! 

( XXXX  - XXXX ) Has Violated Several Laws of the FCRA and that is a violation of my rights!
Consumer complaint received 2024-02-22
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NC)

Have tried to use AmEx Gift Card received by my employer as a Christmas gift. Came as a Virtual Card. Can not find ANY retailer that will take the " manual entry '' of the gift card number. Have tried to reload XXXX account, purchase items, load on XXXX- EVERY time it's declined. Have spoken with AmEx customer service 3 times, keep getting the run-around of " try it again tomorrow ''. It still doesn't work. So much for a Christmas bonus that I CAN'T SPEND. Warning : Never buy from American Express.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PENTAGON FEDERAL CREDIT UNION (UT)

Access to prior credit card statements. Pentagon Federal Credit Union, on XXXX or XXXX, XXXX, told me verbally via their main call center that they could view, and access, a statement from XX/XX/XXXX, for a prior credit card account ending in XXXX. 

I need a statement from them dated XX/XX/XXXX. 

The phone agent I spoke with either on XXXX or XXXX told me that she was able to bring up the statement. 

The website of Pentagon Federal Credit Union shows how I should be able to click on statements for XXXX through XXXX of XXXX, for credit card account ending XXXX. 

However, today, XXXX, when I phoned to Pentagon Federal Credit Union, I was told conflicting info. First I was told there was a seven year retention for statements. However, as of today its been 6 years and 10 months since XX/XX/XXXX, less than seven years. When I told this to the phone agent, she said the retention was by the year, and not the month. Ridiculous. They told me on XXXX the XX/XX/XXXX statement was not available after all. 

If their website shows I can click on a statement, then I should be to view it & not get an error. 

XXXX, XXXX, XXXX, and XXXX of XXXX statements for credit card account ending XXXX are not viewable. 

Why was an Pentagon Federal Credit Union agent able to view the XX/XX/XXXX statement on XXXX or XXXX? Why was I told I would receive the statement within a few days? Why was I told on XXXX, conflictingly, that the XX/XX/XXXX statement was not available, and that there was a seven year retention, and yet XX/XX/XXXX is less than seven years back? 

I would like Pentagon Federal Credit Union to provide the XXXX, XXXX, XXXX, and XXXX of XXXX statements to me, for credit card account ending XXXX. Not just XXXX, I would like all these months now, since they seem to be deleting XXXX from history. 

Enclosed is a XXXX letter I both electronically uploaded to them and also mailed. They never responded to this letter also. 

Please pass along this full complaint & attachments, to Pentagon Federal Credit Union for a response.