davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
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 have carefully reviewed my credit report in XXXX and TransUnion credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX  and Transunion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$12000.00}
Consumer complaint received 2020-04-10
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. (FL)

I have over 21 credit inquiries on my report that are false, I did not authorize these inquiries, this has been an ongoing problem with these reporting agencies for some time now. 

These are the inquiries that are falsely reporting on my report : TRANSUNION 1. XXXX XXXX XXXX  2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX  6. XXXX XXXX 7.  XXXX  8. XXXX XXXX 9. XXXX XXXX 10. XXXX  11. XXXX  12. XXXX XXXX 13. XXXX XXXX  14. XXXX/ XXXX  15. XXXX/XXXX  16. XXXX XXXX 17. XXXX 18. XXXX XXXX XXXX 19.XXXX XXXX 20. XXXX XXXX 21. XXXX XXXX XXXX 22. XXXX XXXX  23. XXXX XXXX XXXX/XXXX  24. XXXX XXXX 25. XXXX XXXX XXXX 26.XXXX XXXX XXXX 27. XXXX XXXX 28. XXXX XXXX XXXX 29. XXXX XXXX XXXX 30. XXXX XXXX XXXX.

31. XXXX/XXXX  32. XXXX XXXX 33. XXXX  34. XXXX XXXX XXXX 35. XXXX XXXX XXXX XXXX 36. XXXX   XXXX XXXX.

37. XXXX  38. XXXX XXXX XXXX 39. XXXX XXXX 40. XXXX XXXX 41. XXXX XXXX XXXX
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

American Express has been sending me emails promoting a " Plan It '' program with no interest payments when using their credit card on a qualifying purchase. 

On XX/XX/20 I went to Am Ex website ... 

https : //global.americanexpress.com/lending/installments/calculator ... and used the online calculator to find out what terms would be for {$3000.00} It showed options for repayment of no interest for either 12, 18, or 24 months. 

On XX/XX/20 I called Am Ex customer service and confirmed my intended purchase would qualify for this " Plan It '' promotion. I when spent {$3000.00} using American Express. 

When the charge posted to my account on XX/XX/20 I tried to use the " Plan It '' promotion but the options were now 3, 6, and 12 months. 

On XX/XX/20 I called Am Ex customer service and spoke to XXXX. I explained my situation. He used the calculator and got the same times of 12, 18, and 24 months. 

He put me on hold and spoke with the " Plan It '' team. They declined to offer me what their calculator had saying the calculator was just an estimate. 

In the fine print of the offer terms it did state the terms could be changed because of credit worthiness. 

I have kept my Am Ex account in good standing for years. 

My balance on the card is well below my credit limit. 

I have a high FICO score. 

There was nothing in the fine print of their terms, nor in my credit history which could have suggested to me the terms would be anything other than what was shown by their online calculator. 

I consider this to be a highly deceptive promotion, especially during the coronavirus national emergency.
Consumer complaint received 2020-04-10
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. (TX)

This my complaint because it seems Citi lied in there response. I have attached 2 different documents from Citi banks named Document and document 2 for review as against what citi send to CFBP. Also I attached my XX/XX/2020 statements because citi is requesting I make the payment because they did not make any move to XXXX. I have also attached XXXX  statement on the payment because Citi have refused to accept payment from XXXX.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX, Experian and XXXX are reporting late payments on my XXXX account # XXXX. I previously disputed this account in the past and they have failed to validated and provide proof of the following. I would like proof of each late payment, the amount of the fees, and rather the balance adds up correctly for the dates listed below. XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022. If you are unable to verify the items listed above, please remove the late payments in pursuant of XXXX XXXX XXXX Correction Of Billing Errors. Thank You
Consumer complaint received 2020-04-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

My mortagage was sold XX/XX/2020 from XXXX XXXX XXXX to freedom mortgage. I have an fha loan. I have been unable to reach freedom to pay my payment for XXXX. After multiple phone calls and conversations I was able to speak to someone about making my payment for XXXX. I was told by the woman at freedom mortgage the government was offering assistance to stream line mortgages to refi for a lower interest rate with no cost at all to me. Once I received the loan docs to sign freedom was actually charging me XXXX k in closing costs adding it on to the back end of my loan. When I pressed the mortgage person XXXX XXXX why I was being charged XXXX k in closing costs she stated it must be a federal regulation to put that as your escrow amount I said why cant the escrow amount be on another line and what do in owe for escrow. XXXX XXXX was unable to answer me and was happy to not assist me any longer with refi my mortgage. This clearly is a huge scam! I am so upset at being taken advantage of and had I not read the paper work I would have added XXXX k on my loan
Consumer complaint received 2022-04-13
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: CITIBANK, N.A. (MD)

I have 3 inquiries on my XXXX report that I dont recognize. These inquiries were not made by me CITIBANK NA, XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020
Consumer complaint received 2020-04-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I received a personal loan back In XXXX for XXXX. Starting in XXXX they would be taking XXXX every two weeks of the month. On today XX/XX/2020 I contacted net credit to get a extension and to let them know that I was laid off because of the coronavirus and I won't be able to pay until I start receiving my unemployment check. I ask how much I owe on the loan she told me XXXX. I said wait they have taken approximately {$800.00} from my account since XXXX to XXXX how is it I owe more than I borrowed and I haven't missed a payment she said that they were charging me 96.6 interest, I told her this is illegal and I was reporting this.
Consumer complaint received 2020-04-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TX)

So this XXXX account was previously with XXXX, XXXX. I sent a letter requesting debt verification in with XXXX in late XXXX of 2019. They never responded with debt verification but sold the debt to I C System which they opened the account in XXXX of 2019. I sent a dispute requesting that I C system verify/validate the debt through XXXX and they only said that it was verified, they never sent me the requested proof of validation nor did the send me a notice of debt which is required by US CODE 1692. I have asked for proof that this debt is mine from XXXX, and then this creditor on multiple occasions and they have sent me no proof at all but continue to report this debt illegally and change the dates of the balance being reported. 

I am requesting proof that this debt is mine and proof that they sent me a notice of the debt when they first purchased/opened it in 2019. The debt is not verified and there for should not be reported with out proper verification, including the paperwork from the original creditor ( XXXX ) and proof of their purchase from XXXX, XXXX.
Consumer complaint received 2022-12-29
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX XXXX XXXX after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required XXXX Report for you ( which complies with FCRA Section 603 ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate XXXX XXXX XXXX XXXX XXXX enforcement agency, including the XXXX XXXX XXXXXXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$6200.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX  accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

In or around 2019 I had a bank account that I used to pay my bills, I had payed the water bill but the water company didn't receive the payment, the money had been withdraw from my account, I got in contact with them, my water was turned off as u didn't know they didn't receive the payment and my bank never finished their investigation, I only received XXXX letter saying they where investigating.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX IF falsely reporting information on my credit report that is invalid. Due to current litigation against this company, it is illegal to report any negative information on my credit report until after the court matter is resolved. 

Please see attached documents I am currently appealing a case with this company, and a decision has not been handed down as to the outcome of that case.
Consumer complaint received 2019-04-16
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. (CA)

I had been victim of ID theft, and therefor two XXXX XXXX XXXX accounts were opened under my name with out my knowledge ( FTC attached shows all the account numbers and the opened dates and the amounts ), and my credit was screwed beyond my imagination that such thing can really happen. i have tried to call the creditors and also the bureaus experian who is not trying to help what so ever, my life has changed beyond imagination. i hope no one would go through as i have gone during the last two years. i have research and found out that you would be able to help since you look after consumers and defend their rights. i will be attaching my police report and all the FTC reports that have been providing experian XXXX and XXXX. please have these fraud accounts removed from my credit file thank you and XXXX bless you.
Consumer complaint received 2024-03-18
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. (PA)

Ive made several attempts to all ( XXXX ) of these credit reporting agencies who has failed to respect and correct my request to correct and delete inaccurate information from the report they are furnishing. 
None of these accounts or creditors has provided with proper disclosure of 12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods. Therefore, there should never be any reporting of private information, transactions, or income on consumer reports per 15 U.S Code 1618 ( 2 ) ( i ). This company is reporting is my private business which has no permissible purpose per 15 U.S Code 1681b ( a ) ( 2 ).

I request that my state ID reflect my only address that's reachable to me per United States Postal Services. 

Transunion are showing inaccurate information regarding my personal information. 
( XXXX ) Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, for the following violations listed below and as a result to not remove inaccurate information. XXXX is in violation of the following : XXXX. 15 usc 1681i ( 5 ) - Removal of Inaccurate Unverified Credit Information 2. 15 usc 1681e ( b ) - Compliance Procedures Maximum Possibility Accuracy 3. 15 usc 1692e - False or Misleading Representation 4. 15 usc 1692c - Identity Theft 5. 12 CFR 1016.10 - Limits on disclosure of nonpublic personal information to nonaffiliated third party 6. 12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods 7. 15 usc 1635 - I always have the right to recission 8. 15 usc 1681b - inaccurate false reporting 9. 15 usc 1681e ( b ) - Collection must be 100 % accurate across all ( 3 ) reporting agencies 10. 15 usc 1681b ( a ) ( 2 ) - Permissible purpose of consumer reports PLEASE SEE RECENT DISPUTES AND EXHIBITS WHERE VIOLATIONS AND INACCURUCCIES ARE FOUND.

*THIS IS AN INITIAL CEASE & DESIST ON THE ACCOUNTS THAT'S MENTIONED, COLLECTIONS, CLOSED ACCOUNTS INQURIES. 

Accounts : XXXX XXXX Account # XXXX This account is a charge off, these are clear violations : - Last activity has been reaged - Remarks showed i have requested reinvestigation - High balance on a charge off - Credit limit on a charge off - Noncompliance this company has no contact information to dispute or contact - Inquries has no permissble purpose
Consumer complaint received 2020-04-10
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. (HI)

I made a charge and cancel the service the next day within the merchant cancellation date. Called Citibank, credit card company, to dispute claim and they would not take dispute until posted. I used the mobile app in which it does not give me a selection to say I never receive merchandise so, I selected return. After speaking with customer service in dispute center I faxed in my cancellation contract. Next notice I received from Citibank is that they have resolved the case and reverse the charges to my card. I called an spoke to a supervisor and as the letter said, trace over contract and state whether I received items or not. I sent in a new fax Monday and supervisor called Thursday that a fax was not received. I faxed in another copy and then called merchant to get cancellation receipt and faxed in another copy of the trace over cancellation contract, a statement that I have not received any items and, cancellation receipt from merchant. I am unable to resolve this issue with Citibank dispute center. I have also mailed in a copy of the cancellation of contract to Citibank.
Consumer complaint received 2020-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (MA)

This debt ( XXXX Cable Bill ) was the result of identity theft. Someone has utilized my identity to take cable bill under my name. I contacted the agency and paid the bill. I was told that once I paid the debt, it will be removed from my credit report. in fact, I was asked to pay 75 % ( {$110.00} ) of the bill ( {$150.00} ) to clear it out on my credit. Rather, I paid 100 % of the bill ( {$150.00} ) to make sure it will clear on my credit. However, as of now, the transaction still on my credit report, as negative item. As a result, my credit score has decreased considerably, from XXXX to XXXX. Please have this company removed this negative transaction on my credit report.
Consumer complaint received 2022-12-29
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. (SC)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2020-04-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (TX)

I have two installment loans. One with SpeedyCash.com and the other one is with XXXXXXXX. I took out the loans in XXXX after starting a new job. I have made all of my automate payments as scheduled. Today I called for a payoff and settlement of the loans. That's when I found out that I have been paying primarily interest on the loans. I have already paid back the principal on both these loans. SpeedyCash.com loan was for {$820.00} and I have paid back {$1400.00} with a payoff of {$730.00}. XXXX loan was for {$400.00} and I have paid back {$640.00} with a payoff of {$430.00}. There was no way of getting off or this cycle. I called and told the companies that my wife had lost her job because of the COVID-19 I was offered to extend my payment by 5 days or make half of the scheduled payment. I asked if it was a way to settle the loan I was told no.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (TN)

None of this information applies to me or my history. I never lived in, visited, or driven through XXXX XXXX Florida. I have never had these fines. I have never had my license suspended or revoked. 

County Searches : Consider XXXX XXXX, FL : Consider TCATS XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Case Number XXXX File Date XX/XX/XXXX Court Jurisdiction FL XXXX XXXX County XXXX XXXX State FL Full Name XXXX, XXXX DOB XX/XX/XXXX Charge Tcats XXXX XXXX XXXX XXXX XXXX XXXX Charge Type XXXX O ense Date XX/XX/XXXX Disposition XXXX XXXX BY COURT Disposition Date XX/XX/XXXX Other Sentencing Info Fines/fees {$850.00} Charge Tcats XXXX XXXX XXXX Charge Type XXXX O ense Date XX/XX/XXXX Disposition XXXX XXXX BY COURT Disposition Date XX/XX/XXXX Other Sentencing Info Fines/fees {$850.00} Charge Tcats XXXX - XXXX / XXXX / XXXX / XXXX XXXX Charge Type XXXX XXXX O ense Date XX/XX/XXXX Disposition XXXX XXXX BY COURT Disposition Date XX/XX/XXXX Other Sentencing Info Fines/fees {$850.00}