davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXXXXXX / XXXX / {$1600.00} XXXX XXXX XXXX XXXX XXXXXXXX / {$15000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2019-12-27
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. (GA)

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$2700.00} on the XXXX XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I was moving and was searching for a new place to live and found XXXX XXXX XXXX XXXX  on-line. They were advertised as newly renovated and move-in ready. ( This was completely misleading and fraudulent. ) The pictures on-line portrayed a clean and safe complex. I contacted the leasing agent and paid the deposit and fees and rented the apartment. When I arrived at the apartment complex on XX/XX/XXXX they showed me the apartment they said I had agreed to rent. The apartment was inhabitable!! The carpets were filthy ; the bathroom smelled of raw sewage ; the kitchen had never been cleaned, the entry and other common areas were not kept up, there was trash and dog XXXX and XXXX on the stairs leading up to the apartment. I went directly to the front office to complain however they were not responsive and didnt appear to care. I had no choice but to move in. I had no other place to go. Shortly thereafter on XX/XX/XXXX I contacted the apartment manager to discuss the filthy living conditions of not only the physical apartment but the hallways and other common areas of the apartment complex. ( Please see reviews that have been submitted on line discussing the same issues. ) ( I have attached a copy of my initial correspondence dated XX/XX/XXXX. ) After living there for a short period of time, the conditions grew worse and there was no way I could allow myself and my XXXX year old child to continue to live in the condition of the apartment or the unsanitary and unsafe living conditions of the common areas of the apartment complex either, so I moved out. I spoke with a representative from the corporate office and was told that they would work something out with me and that they would not send this account to collections. ( Please see correspondence attached dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. ) I never heard back from them again until I received a bill for {$2700.00}. Only when I received a copy of my most recent credit report did I discover that this account had gone to collections. The corporate office never had any intention of working with me even though the attached correspondence from them states otherwise. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-11-24
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: Experian Information Solutions Inc. (NY)

These accounts must be DELETED. Experian has NOT send ANY PROOF OF VERIFICATION or ORIGINAL DOCUMENTS with SIGNATURE OR ORIGINAL CONTRACT of these accounts. Experian is violating my consumer rights by reporting false information on my credit report. 
These accounts below must be deleted. 

XXXX ) .XXXX XXXX  XXXX Account XXXX XXXX Balance : {$1900.00} ( This account is reporting for more than 10 years ) Must be deleted XXXX ) .XXXXl XXXX auto XXXX Account XXXX Balance : {$9100.00} ( This account is reporting for more than 10 years ) Must be deleted These XXXX accounts listed above Must be DELETED. Experian is reporting these accounts for almost 10 years now on my credit report. I have sent multiple documents in mail to Experian showing that these XXXX companies DO NOT HAVE ANY ACCOUNTS on file with my name on it or any documents with my signature on it. Experian must Delete these accounts off my credit report because these accounts have been on my credit report for over 10 years now. By LAW, the credit bureaus are only allowed to list negative items for a certain amount of time. These accounts MUST BE DELETED NOW.
Consumer complaint received 2021-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: U.S. BANCORP (WI)

I have had six contacts with US Bank XXXX XXXX credit cards to have my correct address match the address on convenience checks. I called my insurance agent for my car, affiliated with this company, He was unable to correct it nor, the party he recommended. This company refuses to read your address back after you have given it to them to make sure it is correct. My only solution is to refuse their mail ; however, they use standard ( cheap ) bulk mailing, so it is not sent back to the vendor. It is thrown in the local garbage.
Consumer complaint received 2021-11-24
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 — Investigation took more than 30 days
Company: Navient Solutions, LLC. (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any updates at all.
Consumer complaint received 2024-06-14
Product: Credit 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. (CT)

Hello, I requested a new card but never received it. Subsequently, I noticed unauthorized charges on my account. I called and reported the fraudulent activity, explaining that I had not received the card in the mail. After an investigation, the charges were denied. 

Despite continuing to seek a resolution, I was informed that I needed to submit a police report. I had already done this and provided the case number, but months passed, and the fraud claim was still denied. I asked why, pointing out that I could not have made the purchases without having the card in my possession. I was again instructed to send the police report, which I did. However, even after two more months, the fraud claim was still denied. 

I refuse to pay for charges I did not authorize. I am seeking assistance with this matter. 

Best regards,
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I am writing to file a formal complaint against TransUnion regarding the unauthorized reappearance of an account on my credit report, which was previously blocked under the provisions of the Fair Credit Reporting Act ( FCRA ) Section 605B due to identity theft. 

The account in question, [ XXXX XXXX XXXX XXXX ], was initially identified as fraudulent and subsequently blocked from appearing on my credit report in accordance with FCRA 605B. However, to my dismay, TransUnion has allowed this account to be reported back onto my credit report without providing any notification or explanation, as well as failing to furnish me with requested documents regarding this matter. 

Despite my repeated requests for information and documentation regarding the reappearance of this account, TransUnion has failed to provide any satisfactory response. I have not been informed of the basis on which this account has been reinstated, nor have I been provided with any evidence verifying its accuracy or legitimacy. This lack of transparency and communication from TransUnion is deeply concerning and has further exacerbated the distress caused by this situation. 

Furthermore, it is important to note that the creditor associated with this account has been unable to verify the information they reported to TransUnion, casting doubt on the accuracy and validity of the account. Despite this, TransUnion has allowed the account to remain on my credit report, thereby negatively impacting my creditworthiness and financial standing.
Consumer complaint received 2022-02-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CO)

XX/XX/2022 : I received a call from XXXX XXXX at Amerisave who asked me if I was looking to refinance my home. I advised him that I was and he proceeded to converse with me about what the estimate might be. At that time I was in a hurry to get to a work meeting call and he quickly rushed me through the process of receiving my official loan estimate for review. It didn't occur to me as I didn't read through the entire language of the terms, but I had to pay XXXX dollars to start the process of receiving an estimate. Once I saw the estimate, I believe at that point I was interested. However, by the next day I decided it wasn't a great deal and began the process of canceling my application and since I hadn't e-signed the loan docs or the page that expressed that I the application fee is non-refundable then I figured I would be returned that application fee. It was at the point of carefully reviewing the application that I noticed the fee was non-refundable and I decided not to sign. 
I wanted to get an official estimate and lock rate to know what my options are. Every other company I dealt with was able to give me that without a fee accept Amerisave. 

XX/XX/XXXX : Sent email to XXXX to cancel my application XX/XX/XXXX : Followed up with another cancel email as I had not heard back XX/XX/XXXX : Followed up on my cancellation emails to see if my application was canceled and money refunded XX/XX/XXXX : Received email from XXXX informing me that the cancellation was processed but without a refund. 

XX/XX/XXXX : Sent email to XXXX letting him know that I would still like the refund and that I will need to proceed with complaints if not refunded. 

XX/XX/XXXX : He again sent an email letting me know that I agreed to the application fee and there will be no refund. 

XX/XX/XXXX @ XXXX mst : Called customer support was told management would call back XX/XX/XXXX @ XXXX mst : XXXX calls , says Im not able to get my refund. Asks why im calling customer service. 

XX/XX/XXXX @ XXXX : I called customer service. explained above and she said she'd get back to me after computer reboots. 

I have not received that call back
Consumer complaint received 2022-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (GA)

On XX/XX/XXXX, I applied for a credit card with Citi XXXX XXXX XXXX XXXX. I received a letter from the company stating that I was denied an extension of my credit for reasons listed in the attached letter. 

According to federal laws, my rights have been violated for reasons listed in the attached letter. I have attempted to discuss this with the company and have not been able to get proper attention to this matter.
Consumer complaint received 2021-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (FL)

I had a credit card with XXXX. I was late on a few payments so they closed my account. Ive since been paying the monthly payment due on the closed account. The account was closed by the guarantor for over 6 months now. In XXXX, they charged me a yearly fee of {$49.00}. This is fraud. How can I be charged a yearly fee on a card that has been closed and not in use?
Consumer complaint received 2021-11-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (TX)

In XXXX of XXXX I was set up with a modification due to a layoff during the pandemic, they sent me a letter stating I was approved and I sent back the signed letter, it is now XX/XX/XXXX and I am now being informed that my modification is no longer valid as they seemed to have not recieved my 3 emails and uploads to get them the signed paperwork, this is not my first trist with PHH/XXXX XXXX. These people are horrible. I am now upside down in my home and will be paying for my house for 60 years, I have been in my home since XX/XX/XXXX. I have paid as I have promised and they are now telling me that I am behind over 4k. 
Can I sue them and be done with my mortgage already? What options due I have I want to get rid of them and be done with my house mortgages with these people. they are a XXXX  nightmare, the scripts they read to us need to be changed, no one seems to know what they are doing. 
i want to sue them! I want them to release me and my home with a settlement of anykind just to get away from them. 
Who can sue them and where do I go next?
Consumer complaint received 2021-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (UT)

On XX/XX/2021, my Citi credit card account is closed. 

I was scammed to purchase of {$4300.00} worth of goods. The scammer provided a bank account to pay for this charge. Citi credit card put this charge on their APP statement as paid right next day after I provided the bank account, which misled me that the money has been withdrawn from the bank account. I sent the purchased products out the next day using the label provided by the scammer, which I can't get them back. 
Citi credit card informed me the {$4300.00} charge be returned via my email 4 days later. 
Before I received the email, I have called Citi card multiple times about the payment and always got answers that the payment was fine. 
Citi credit card 's unclear and confused statement resulted in this loss. 
I have filed a police report on XX/XX/2021 and the case # XXXX.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery Associates continues to report this account to my credit report, saying it's a delinquent account. I have been making payment 's every month since they took this account over and they refuse to remove or update it on my credit report. I also continue to get calls from them about this debt. Someone named XXXX said they would leave me alone if I give them access to bank account to debit monthly payments. I told them I do not feel comfortable doing that and I have consistently made a payment every month so I don't see what the issue is.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NC)

Hello, I signed up for a promotional offer when I made a purchase from lumbar liquidators. The financing company they had me go through was Synchrony Bank. I have had issues with this company from day one. After signing up for the credit card I called them less than a week later to setup automatic payments for the amount necessary in order to have my loan paid off within the promotional offer so I would have everything paid off interest free. First month goes by and they did not take out the automatic payment as I requested. I continue to call them for XXXX year while in the mean time making manual payments. Finally after about a year a representative finally got it handled for me, had the automatic payments going through and I didnt have to keep doing manual payments, yay! So fast forward another year ( present time ), I go to check my statement as everything should be paid off by now. Well guess what!!!? they set up automatic payments for the minimum of what their fees requires, and not the minimum for what it takes to get my card paid off within the promotional period!! That is not what I had been trying to get synchrony to setup for over a year and now they said I have to pay XXXX XXXX within XXXX days to complete the loan or they will be charging me XXXX XXXX in interest. Even though they were the ones who failed repeatedly to withdraw the correct amount, I now am stuck having to come up with {$2000.00} out of pocket with only XXXX days to do so. Avoid this company!! They do not care to correct their mistake in any way, and Im sure they have done this to other people in order to scam them for money.
Consumer complaint received 2020-03-01
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. (NC)

THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE. BECAUSE OF ALL THE INACCURACIES IT IS NOW HARD TO ACQUIRE CREDIT FROM COMPANIES. PLEASE LOOK INTO THIS MATTER AND HAVE THESE DEROGATORIES REMOVE.
Consumer complaint received 2023-01-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HAWAIIAN, INC. (HI)

So I'm still waiting for the {$200.00} from XXXX and also that first Hawaiian bank said that they're still working on that issue and now just the other day I found out some unwanted transactions in my bank account!!!! I didn't recognize these charges from a XXXX XXXX or ever used my debit card to buy services or anything for that matter. The charges so far are now {$21.00} and now I told my bank but I wanted these charges not posted!!! Also, waiting for the {$200.00} for that unwanted post
Consumer complaint received 2023-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to bring to your attention a matter of utmost gravity pertaining to the unauthorized sale and acquisition of my personal information, which transpired as a consequence of my unfortunate status as a victim of the XXXX data breach. It has come to my attention that certain items, resulting from this breach, persist on my credit reports. In light of this, I am hereby formally demanding the immediate removal of these deleterious entries. 

I have taken the liberty of appending incontrovertible evidence that substantiates XXXX 's acknowledgment of my victimhood in the aforementioned data breach. Despite this acknowledgment, regrettably, no corrective action has been taken on the part of XXXX to rectify the impact on my credit history. 

It is imperative that you extend your expertise to rectify this matter with utmost urgency. I seek your professional assistance in expediting the expungement of these illicit accounts from my credit report, in alignment with my rights and the laws governing consumer data protection. 

Your prompt attention to this matter is not only imperative but also anticipated, and I trust that your legal acumen will serve to address this situation with the gravity it demands. 

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 2024-06-05
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I rent a car from XXXX car rental on XX/XX/year> using my husbands name. I paid it with my Capital one credit card for {$87.00} on XXXX website. But when we are about to pick up the car at the XXXX XXXX XXXX, they asked for flight ticket but of course we dont have one. Then they didnt let my husband pay the insurance with debit card and kept asking for a credit card! Then after he said he doesnt have one and we asked for a refund, XXXX was refused to refund my money! We kept going back and forth. And why dont they let us rent the car if they still wan na took my money for {$87.00}? I disputed it to my credit card on Capital One and they did disputed it on XX/XX/XXXX. But now I just realized on XX/XX/year> they charged me the money back for that amount {$87.00}. I didnt rent the car and I have to pay for another rental car on enterprise because they didnt let me rent the car and XXXX also stole my money. Can you please help me! Im a housewife and Im not working. I need the money to buy my daily needs for my kids. Please help me! Thank you!