davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc. (UT)

My self credit card account as well as my credit builder account were closed with no explanation on XX/XX/2023. I had called the support line, and chatten the live support teams with no resolve as to why my accounts were being closed. I asked for a manager call on the chat and was told that a manager wouldn't have any answers for me and a manager escalation was refused by the self representative. I was promised a same day manager call back by the phone rep, and a call was never received. Self terms and conditions state that once an account is closed the deposit for the secure line of credit will be returned within 14 business days. After waiting 3 weeks for my deposit, I once again contacted Self via the live chat option and I was informed that my roughly {$3000.00} is being held by Self for an account review. I asked why I am under review if the account is closed. I was informed that no further information will be provided as to the nature of my account, or the status of my money by the chat rep. I find this totally unacceptable. I then called the Self customer service and was supplied with the email XXXX to contact. I was also told that if the review is resolved and I am awarded my payout, I will be subject to another XXXX business day waiting period before a check would be mailed. This is also unacceptable as I have been owed this money for three weeks at the time of sending my email to them. I was told I couldn't be informed of why I am under review, and I have not had any requests to verify any information. I chatted again yesterday and was told again that they are unable to tell me why I am under review, when I might see my money back or any additional info pertaining to the issue. I then received an email stating the same. I have been patient. I have gone through the steps to try and get answers to my questions, and I have waited the appropriate amount of time to receive my money back. I no longer wish to do business with Self. They had no issue taking my money. There should be no issue paying it back. I am requesting expedited payout of the money owed to me. I also looked them up on the XXXX  and they are having several reports of the same issues. Accounts closing with no notice or explanation and refusing to discuss the nature of accounts, or disclose any information for resolve.
Consumer complaint received 2020-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (TX)

I have been a victim of Identity thief and my personal information has been compromise. 
I've noticed collections and inquires on my credit report. XX/XX/2020 XXXX  XXXX XXXX {$230.00}. Also CAPIO PARTNERS LLC. {$230.00}.
Consumer complaint received 2023-01-07
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I would like to close my Huntington Business 100 Account. It has a XXXX balance. Unfortunately, after I spoke with a representative on the phone and on chat, they said that I must go in branch to close my account. There are no branches within 50 miles away from me at least, and the closest is over a couple of hours away. I am asking Huntington to simply close my account without making me drive hours to close in person.
Consumer complaint received 2020-04-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Turner Acceptance Corp. (IL)

I called 3 days in a row to get my car title which I was never given. I was given a title from XXXX which I payed the vehicle off XX/XX/XXXX. They also stated that they threw out my title. I told then that was illegal they are supposed to keep my documents for at least 7 years. When I finally got the title the lean holder was still mention even after the fact of me paying off my debt.
Consumer complaint received 2022-08-20
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. (NY)

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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A. Section 2 : It states a consumer reporting agency can not furnish an 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 crime with antedates the report by more than seven years. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
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. (NY)

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 Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2022-11-06
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. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately 1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

4. The inquiry was not authorized XXXX 'S Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

6. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Consumer complaint received 2020-04-08
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: Experian Information Solutions Inc. (TN)

I mailed via certified mail of several documents on XX/XX/XXXX to Experian disputes. Included with documents were a copy of my driver 's license. This dispute is regarding the 2 fraudulent bankruptcies reporting on my credit report that I have never filed. XXXX & XXXX, filed with the XXXX  Tennessee  Bankruptcy  Court filing dates are XXXX & XX/XX/XXXX. I have a current XX/XX/XXXX XXXX report that does not show or list these bankruptcies in my file, yet I'm being told on XX/XX/XXXX, my most recent credit report by Experian stating, bankruptcies have been verified as accurate by XXXX. I have not received any correspondence from Experian regarding documents sent on XXXX XXXX, XXXX.
Consumer complaint received 2020-04-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

First attempt to collect a debt was in XX/XX/XXXX for a debt from XX/XX/XXXX. No collection attempt was made from the original company - first contact was thru the collection agency. They did not provide me with ANY proof of a bill for collections from the company. I requested certified mail and gave my address twice, no mail was sent to verify the charges. I contacted the original company directly and they could not verify the charges with a form or any proof of nonpayment from XXXX. I have not received any valid or certified form or statement of my debt - have only received calls asking for payment.
Consumer complaint received 2020-04-08
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: EQUIFAX, INC. (TN)

I mailed via certified mail of several documents on XX/XX/XXXX to XXXX  disputes. Included with documents were a copy of my driver 's license. This dispute is regarding the 2 fraudulent bankruptcies reporting on my credit report that I have never filed. XXXX & XXXX, filed with the XXXX  Tennessee  Bankruptcy  Court filing dates are XXXX & XX/XX/XXXX. I have a current XX/XX/XXXX XXXX report that does not show or list these bankruptcies in my file, yet I'm being told on XX/XX/XXXX, my most recent credit report by XXXX  stating, bankruptcies have been verified as accurate by XXXX. I've also received a recent letter from XXXX, stating, my documents were received, however there were no indentifying document regarding my identity, so they have disposed of the documents that I submitted. The date of this letter from XXXX  was XX/XX/XXXX.
Consumer complaint received 2024-04-07
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC (NJ)

I received a notification by USPS that Phoenix Financial acquired my account from XXXX XXXX XXXX, requesting payment of {$1200.00}. Unknown why since I have an active automatic payment plan with XXXX. On XX/XX/24 I went on XXXX website, set up a payment plan of {$24.00} per week ( the most spread out option avail ) via my XXXX XXXX. I am a XXXX XXXX XXXX  and am anticipating Spring Break & Summer recess, of which I do not work or receive an hourly salary, I will be collecting Unemployment, and can not afford the current arrangement. I went on Phoenix website to change my pay plan, theres no option. Nor is there an option to stop the same. On XX/XX/XXXX I called Phoenix & spoke to three different people ( XXXX, unk woman, XXXX XXXX. No one was able to change, delete, amend, access or anything to my account. XXXX disconnected me after 15 minutes, as well as # 2 lady after 3 mins, XXXX tried to help & after 15 mins tried to get a supervisor to no avail. # 4 person Supervisor XXXX did call me back & she also couldnt do ANYTHING. She said if the pay plan was done over the phone by them she would be able, but if its done via their online web then theres no way to change it! As her last resort effort she instructed me to change the credit card, and see if it gave me the option for a different pay plan. It didnt. She then said email them to cancel my payment plan so that I could start over, which I immediately did. That was at XXXX XXXX ; she was to call me back at XXXX but never did. Nothing has been changed or corrected AND this morning I received an email stating my next withdraw is pending. I feel this is deceptive practice and should be illegal for them to be financially entrapping me. I want it to stop so I can USPS a monthly check payment.
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I opened a checking account with Citibank on XX/XX/2021 with an initial deposit of {$5000.00}. in XXXX I began direct deposit from my payroll. Sometime in XXXX I noticed issues accessing the account. I called the bank and was told the account was blocked and under review. However the bank continued to accept my direct deposits. On XX/XX/XXXX I was informed by letter that the account would be closed in 60 days. I attempted to have my funds returned but was told I would have to wait for a check. The bank would not wire the funds to me or allow me to withdraw from a branch. I called again on XX/XX/XXXX ( 60 days later ) to inquire about the funds and was told the account was still not closed but under review. 

I stopped direct deposit in XXXX. The bank still holds {$25000.00} and will not provide a date as to when the money will be made available to me
Consumer complaint received 2020-04-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I received a phone call from XXXX XXXX XXXX stating that I owed a debit. I requested they send a debt validation letter on numerous occassions. I was told they could not send another letter out because one had previously sent one and were only required to send one. I stated they were using an incorrect address, and I would need to have the letter sent before agreeing to pay for anything. I gave them my updated address and explained that I had not lived at the previous address in YEARS. We didn't even live at that address when the supposed debt incurred. No such letter ever came, and I disputed it on my credit in XX/XX/2020. It was removed from my credit, however I am now being sued by this company even though they have never validated the debt. There also seems to be a payment made on the account on XX/XX/2020, which is invalid as I have never accepted this debt nor made payments because I never received the correct validation.
Consumer complaint received 2022-02-23
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: Spring Oaks Capital, LLC (FL)

Looking at my credit report and it showed that that this account was open on XX/XX/2021 and its looking like its and old debts that reappear on my report as if the collection agency changes the date of delinquency to make that account look newer. I need them to proof to me when I open this account on the date that its showing in my report.
Consumer complaint received 2020-04-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (FL)

Some one hacked into my Regions Bank account and enrolled me into XXXX and withdrew {$500.00} from my Regions Bank account the persons name that is listed on the transaction is XXXX XXXX XXXX. I have never heard of XXXX and did not know who they were. When I loged into my regions account thats when i was hacked and someone had a virtual connection of my computer using XXXX XXXX. This person XXXX XXXX stole {$500.00} from my Regions Bank account using XXXX.
Consumer complaint received 2024-04-13
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I checked my credit report and found unauthorized inquiries on my credit report. The inquiries took place XXXX. The Companies are XXXX XXXX XXXX XXXX XXXX XXXXXXXX. CAPITAL ONE AUTO FIN. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX FCRA LAW 15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of Credit Reporting Agencies
Consumer complaint received 2023-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX and XXXX XXXX is showing up on my credit report and I do not know anything about this. I would like it removed.
Consumer complaint received 2020-01-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (CA)

I sent {$150.00} to my niece in the XXXX thru Remitly on XX/XX/XXXX. Until now XX/XX/XXXX of XXXX, she has not received the money which was promised to be given to her within minutes after sending. I tried to reach out to the company from here in the US and my niece tried to reach out to them in the XXXX. The so called customer team keep saying they will look into it but until now nothing has been done. Numerous calls and e-mails were also made to them.
Consumer complaint received 2023-02-20
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MO)

XXXX incorrectly and inconveniently placed a security freeze on my Vanilla Visa Gift Card after I had just purchased from XXXXXXXX XXXX XXXX, this really irritates me and inconveniences me having to wait 7 days all because your card service representative states it was because I visited an incorrect site, or called a wrong phone which isn't true her comments make me no longer trust Vanilla Visa Gift Card, and I will no longer be purchasing gift cards for Vanilla Visa, XXXX or etc. Vanilla Visa is known for placing security holds on cards on customers cards and for users experiencing frustration and holds because of " unknown system error has occured '' its not right ... XXXX XXXX XXXX
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (HI)

CCS collections.

I havent received any mail from them, stating a collection.

They have a {$230.00} charge for insurance.

And they have a {$99.00} charge on my credit reports.

This company is shady!

I have already had 2 items removed off my credit report. Need to provide proof that they were deleted and not trying to collect on them Cant find account # s for these charges. Its kind of hard to verify or validate. So please validate and verify it. Also my signature where i signed a contract with this company. It should be removed. I paid my insurance that i used. Or i wasnt covered.
Consumer complaint received 2024-03-19
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. (NY)

Upon reviewing my credit report, I noticed that these late payments listed below are inaccurately reported, which is adversely effecting my creditworthiness. 
XXXX XXXX XXXX with account number XXXX XXXX XXXX with account number XXXX Under the Fair Credit Reporting Act : 15 USC 1681 Section 602 guarantees my right to privacy. This ensures the confidentiality of my credit report and mandates that information on it must be reported in a way that is fair and accurate to protect the consumer 's privacy.

15 USC 1681 Section 604a Section 2 stipulates that a consumer reporting agency can not furnish a report containing information on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living without the consumer 's written instructions.

In light of these provisions, I challenge the authenticity and validity of the late payments recorded on my account and request your agency to produce evidence or documentation that validates this reporting in accordance with my written instructions.

Moreover, in alignment with 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open- end consumer credit plan as late for any purpose unless they have adopted reasonable procedures designed to ensure that each periodic statement contains the required information. Hence, I demand proof that the said procedures were correctly adhered to in my case.

If you can not produce the necessary documents validating these late payment entries, or if the entries are found to be inaccurate, I kindly demand that they be deleted immediately or be updated to reflect as " Paid on Time '' or " OK ''.

It is essential for credit reporting agencies to ensure that all consumer reports are accurate, and any inaccuracies are dealt with in a swift manner. I trust that you will handle this matter with the urgency and attention it demands.