davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
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. (CA)

In my previous complaints, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$410.00}
Consumer complaint received 2023-02-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

Yes recently I have done a case with the company cfpb and they have helped. Tremendously. Now there is only one thing either that they didn't do that i that I didnt know because no informtion was given or withheld so I wasn't aware back then. until you're company helped of course and I was able to fund out. Originally this company had closed myaccount becasue of errors of previous disputes by an inappropriate employee .these people are incapable and there errors shouldn't be working anymore. It's unacceptable and they should be fired. I should have sued thm but I need time then I will proceed. But first my disputes were done improperly and the correct ones one of them was for XXXX a insurance company and I disputed one of them but they did it incorrectly by citibank. For XXXX  XXXX  XXXX had a service to repair a phone but they handled the claim to repair incorrectly. The timing of this was around XXXX. Back then. So I called in and requested a refund. This is actually one of several claims that they poorly handled that I had to try and get my deductible refunded to my citibank debit card for. It was handled poorly so i had to resort to citibank disputing it. Then as you know citibank had a rep who handled disputes and filed disputes incrorrectly too. So because of it citibank didn't investigate the rep but the account. Because of citibank and it's inprofficiency and unprofessionalism I don't want to deal with them. So I called the insurance company many times again and this even after for them to refund my amount. So i want citibank to dispute the other XXXX. XXXX and return it to me. There was one XXXX they did but theres a still 2nd one they didn't do.
Consumer complaint received 2024-04-08
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: Global Lending Services LLC (FL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my right under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a open credit card account under an open end consumer credit plan as late for any purpose. XX/XX/XXXX - XX/XX/XXXX {$470.00}
Consumer complaint received 2024-04-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION (VA)

M & T bank delays sending out the billing statement for the auto loan I picked up nearly a month ago. 

A used car loan was signed on on XX/XX/2024, as of XX/XX/2024 I have still not received loan payment information. 

I contacted a branch on XX/XX/2024 to ask for a copy of billing to be sent out. 

On XX/XX/2024, I contacted M & T bank through their XXXX number. The agent is telling me that they can only send a statement after 30 days in their system. 

It seems that M & T bank is using business practices to force used car sales into default and misdirection of information to cause a missed initial payment. 

Please ask M & T bank to explain why it takes 30 days to notify the customer on their financial relationship? 

Please catalog this tip with others discussing M & T practices of causing delay of information related to customers making payments.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Fraudulent accounts police report on file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-13
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)

Fraudulent accounts police report on file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (SC)

I deposited two money order checks on XX/XX/2020. i was told the checks would only be held until XXXX. When XXXX came the checks were still not available for me to withdraw. I called and they said it would be available by XX/XX/2020. It is now XX/XX/2020 and the amount is still not available for withdraw.
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (GA)

Thank you for providing the validation documents for the debt associated with CAINE & WEINER COMPANY Account Number : XXXX. 

I want to make it clear that I dispute the legitimacy of this debt with your company. According to the Fair Debt Collection Practices Act ( FDCPA ), creditors must notify debtors before selling their accounts to collection agencies. Since I did not receive such notification, the validity of this debt being transferred to you is uncertain. 

Furthermore, the fact that I was not informed about the sale of the debt raises concerns about the accuracy of the information on my credit report. Therefore, I demand that you remove the record associated with this account from all three major credit bureaus ( XXXX, XXXX, and XXXX ) in accordance with the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (CA)

Around Saturday  XXXX, I get a text message from XXXX about a credit card application that was not mine. I later checked my hard inquiries on my credit report saying there was something involving XXXX, so I think I am a victim of identity theft.
Consumer complaint received 2020-03-10
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 (TX)

First, there is the general fact that when you go to the Bank of America website, you have to manually tell it you paid the bill for the month, or it leaves an alert saying your bill is over due ... I have made 2 payments in a month because of that in the past. 

Next, I had to make a payment by the XXXX of XX/XX/2020, which wasn't applied until the XXXX, because of the time zone, even though I signed up for automatic billing the month before, and was charged a XXXX dollar late fee. 

Lastly, there is the fact that I had to be walked through the process to sign up for a minimum payment to be made because it is labeled in a misleading way that makes it very hard to discern that it is the minimum payment option. Not having this as a more easily found choice caused me two months of underpayment fees, which were removed when I complained. And sadly that is why I have the XXXX dollar fee : I could not set up the minimum payment with one of their associates. because all of them told me that was what they had set me up for in the previous months when they truly set it up for th minimum due that month. It wasn't until I spoke to someone an Online billing specialist that I was alerted of this and helped to find the minimum payment option, after spending 49 minutes on the phone trying to get everything set with an associate, who assured me they had done what I asked, In short, I assert that the website for Bank of America is designed in such a manner as to make it hard to navigate and maximize their profits by garnering benefits from the fees and overpayments they receive because of its difficulty.
Consumer complaint received 2023-02-13
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

Proof of ownership and Authorization to collect from XXXX XXXXShow proof of original Contract and proof of agreement with wet signature... proof of payment history and none payment history... further more I would like company to show location where they are from physical address phone number state and city
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HireRight Solutions, Inc. (SC)

On XX/XX/year> I was notified by XXXX that I would not be XXXX XXXX XXXX XXXX XXXX  because of a criminal record, reported by Hire Right LLC. The company then listed some charges that were supposedly against me. The problem is I have no criminal record whatsoever, never have and there no charges against me at all. I double checked with the police department. I have no charges. Simply because my name is on court papers as I was a witness to a situation and had to speak to the police and was sent on my way this company is tying me in with the charges that were pressed upon the actual offenders of the law. I was in no way charged, never have been. My record is perfectly clean. I tried explaining this to XXXX and even spoke with a support agent of theirs to show proof of my clean record and clean criminal report from the jurisdiction they were inquiring about but to no avail because they said they still cant hire me until it is taken off of my consumer report. I am highly upset however because it should have never been on my consumer report in the first place because Im not a criminal, I have no charges and no criminal record and simply because this Hire Right LLC company didnt do their due diligence in obtaining correct information Im now out of a job I was for sure going to get as stated by XXXX XXXX I am the mother of XXXXXXXX XXXX  that I care for by myself with no help and because of this company and their false info I cant earn extra money with XXXX who Ive been using for years. I only want the false info taken off of my report and if that cant happen I would like to know the necessary steps to take for legal action against Hire Right LLC for documenting me as having charged when I certainly do not and never ever had. Thank you so much.
Consumer complaint received 2023-02-08
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: EQUIFAX, INC. (FL)

After pulling a copy of my Consumer credit report I noticed that the credit agencies are in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the investigation. Under FCRA 15 U.S. CODE 1681 B in case of liability of a natural person for obtaining a consumer report under false pretense or knowingly without a permissible purpose, actual damages sustained by the consumer as a result or {$1000.00} whichever is greater! 

ACCOUNTS : - XXXX Account # : XXXX -XXXX Account # : XXXX -XXXX Account # : XXXX -XXXX Account # : XXXX -XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX -XXXX XXXX Account # : XXXX INQUIRIES : -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-12
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. (HI)

I am a victim of identity theft. XXXX, XXXX and XXXX XXXXXXXX XXXX and XXXX have fraudulent accounts on my profile that need to be removed immediately.
Consumer complaint received 2023-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (DE)

This account was part of my deceased husband I was forced to pay it due to it being sent to court for judgement. I paid this account to XXXX XXXX XXXX whose client is LVNV funding on XX/XX/2020 amount of {$1500.00}. I received a payoff letter but the new company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who are clients for LVNV funding now who has this account is saying it's not usable and they don't know who XXXX XXXX XXXX are. This account was originally not mines I paid it due to being in judgement with the courts but somehow seems it wasn't posted correctly or sent to right company I have no clue what to do in my position now.
Consumer complaint received 2023-02-21
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 tried disputing a fraudulent account not just opened up by someone else but also reporting incorrect information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

To get technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
Consumer complaint received 2023-02-12
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. (GA)

I am the author of this complaint as well as the attached letter for this complaint I recently checked my credit report and I noticed numerous violations I reached out to the credit reporting agency reporting the information but they did not respond nor did they fix the issues.
Consumer complaint received 2023-02-12
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. (LA)

Last month XX/XX/2023, I sent you a dispute letter containing the list of accounts and items that don't belong to me but you seem to be ignoring the letters I sent you. I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX, and the Office of the Atty General if I receive the correct response.
Consumer complaint received 2023-06-10
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: EQUIFAX, INC. (FL)

Ive been contacting the credit bureaus to have ALL unknown accounts, inquiries, jobs and address removed from my account, as the such items I have no knowledge of. As Ive been trying to resolve this matter for 2 1/2 years now, nothing has been done. This is stopping me from owning a home, I am a single mother  and its defamation of character along with my credit profile.
Consumer complaint received 2023-02-06
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. (IN)

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.
Consumer complaint received 2020-03-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pittenger Law Group, LLC. (MO)

I received a letter from multiple collection agencies for the same debt. I have explained that I was laid off of my job of 16 years and fell behind in my payments. I established a payment arrangement with one collection agency then I started getting demands and letters from another collection agency ( Pittenger Law ). I advised that I would like to validate that there is not dual collections happening they were nice and said they would check with the original creditor XXXX. I called XXXX and they advised the correct collection agency was XXXX XXXX. I now don't know who to trust or who to pay I really would like to just pay XXXX XXXX back directly but everytime I call they say they no longer have access to my account. How is that possible that the owner of the debt no longer has access to the account I was never advised that my accounts have been sold. I'm just looking for help to resolve this nightmare now I am afraid the payments made have been lost.
Consumer complaint received 2023-01-17
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 account below. 
XXXX XXXX XXXX : {$0.00}