davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-21
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CO)

Usbank loan number is XXXX for XXXX and XXXX XXXX. We have tried to make payments with a usbank debit card which they will not accept thier on bank card we have made payments via branch night drop and we have made payments via online bill pay with guaranteed delivery dates. Each occurrence they hold or delay posting payments in order to charge late fees. The payment in XXXX posted on XX/XX/XXXX wich is prior to the XX/XX/XXXX late payment date and they still charged a late payment fee. They required that we disclose our race during the application process so they know that we are a minority family so they feel we won't complain when they collect fees unjustly. They are profiling us and this should be against the law
Consumer complaint received 2022-05-21
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: Convergent Resources, Inc. (NY)

Im Accordance with the fair credit reporting act XXXX  account # XXXX, had violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 purpose.
Consumer complaint received 2022-05-21
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: Experian Information Solutions Inc. (TX)

The creditor XXXX XXXX clearly stated that the potentially negative reporting account on my credit report was to be removed. This account is continued to be reported to my credit report. This account is also reporting inaccurate information. The credit bureaus have been taking over 30 days to investigate this. This violates my rights as a consumer in accordance with the Fair Credit Reporting Act. This continued negligent reporting has been harming my livelihood as a consumer.
Consumer complaint received 2017-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

I recently tried to cash my paycheck at XXXX like ive done every payday for several years now. This time however certegy would n't let me cash it. I called them and they said there is a bounced check from XX/XX/XXXX at holiday a check to XXXX XXXX  from XX/XX/XXXX and 2 checks from XXXX in XX/XX/XXXX. These were never on my report until recently had ive never had an issue cashing my paychecks before. I didnt write any of these checks so I dispute them. However they said it will be 30 days until anything is removed and in the meantime I ca n't cash any of paychecks and ca n't pay my bills. Because they messed up
Consumer complaint received 2024-03-13
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. (CA)

I sent a request that you reinvestigate the disputed Accounts from my credit report as well as correct the Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The following accounts listed below are needs attention in my credit reports. 
XXXX XXXX Balance : {$11.00} XXXX XXXX Balance : {$220.00}
Consumer complaint received 2022-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (GA)

XXXX. XXXX, XXXX  ( XXXX XXXX XXXX XXXX  ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX  {$110.00} Closed No Info
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It seems that FCRA 605B necessitates the elimination of any inaccurate accounts from my credit report. Could you kindly verify the documents? Certain listed accounts appear to be inaccurate, and it's unsettling for me.
Consumer complaint received 2022-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc. (GA)

Sentry Credit Inc just recently within the last couple of days reported an account for {$200.00} to all three ( 3 ) credit bureaus which in turn caused a collection account affected my credit rating and showing a have a bad debt. The original creditor was the XXXX XXXX, in which I never lived here I applied for an apt back in XXXX of XXXX. The administration and application fee was {$200.00} in which I paid via my debit card. I called the apt complex at least 6 or 7 times to check on my application status and this was over a two ( 2 ) week period even left five plus voicemails. I even stopped by the office and they had a note stating you had to call they were not allowing people in the office because of COVID. The apt complex never processed my application or returned a phone call. At this point I had been waiting over two weeks for an application to be run and processed. I called once more and left a voice mail stating you all never processed my application so I would like a refund for the {$200.00} I paid. I waited another ten days still no response from this irresponsible company. I did the best and correct thing, I contacted my bank and filed a dispute for a refund due to me not receiving the services I paid for. This company not only sold my info but allowed a credit agency deemed my credit file for a debt that I dont owe. This is my first and last time disputing this with Sentry even though they never sent anything in the mail but slapped this incorrect debt on my credit file. If this debt is not removed from credit filed and zeroed out and the account is not closed immediately, I will be filing sue against The XXXX and Sentry for court cost, damages, unlawful and unfair practices. Also, for time off work to go file a sue plus gas and mileage to get to the court house. I take this very serious I dont owe this company any money at all
Consumer complaint received 2022-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

This debt has to do with an apartment lease that the apartment complex broke in XX/XX/2020. A company that buys debt from apartment companies called National Credit Systems has posted this debt on my XXXX Credit report has described the debt as " XXXX at XXXX XXXXXXXX XXXX  '' and listed the debt amount as {$2500.00} I was current on my lease, reported my HVAC unit had broken in the middle of the summer on a Friday afternoon and even though the apartment complex had an after hours repair people, they did not fix my HVAC system until the following Monday. As they had broken the terms of the lease agreement and after that, I could not depend on them to honor the terms of the lease, I moved out before the end of the lease as the lease was, at that point, invalid.
Consumer complaint received 2022-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (KS)

XX/XX/XXXX : Document 1 : Insurance Billed for {$2000.00} for emergency Physician Patient responsibility for {$100.00} XX/XX/XXXX : Document 2 : {$100.00} Billed to patient.

Document 3 : which was paid by Individual through XXXX. Account. 
Doc 4 : XX/XX/XXXX : Insurance denial for {$1600.00} for duplicate Physician change Doc 5 : XX/XX/XXXX : another bill from XXXX XXXX XXXX for XXXX emergency Physician on XX/XX/XXXX. 
Doc 6 : XX/XX/XXXX : Insurance denial for {$1600.00} for duplicate physician charge. I called to make sure that I could ignore this. XXXX  representee said yes because I would not be held liable for a duplicate charge. XXXX would take care of it. 

Doc 7 : XX/XX/XXXX : YES 18 MONTHS LATER. Received letter from Wakefield and Associates stating that I owe them {$1800.00}. 
I contacted a XXXX at Wakefield and Associates who had to give me information about what the billing was for. I then dug up all my old medical documentation and contacted XXXX. XXXX stated that they would take care of it and contacted XXXX of Tennessee. ( see email in Document XXXX ). I did not hear from the collection agency, Wakefield and Associates, after I got this email from XXXX Kansas. I figured that the issue had been resolved. 
Doc 8 : XX/XX/XXXX : Email from XXXX Doc 9 : XX/XX/XXXX : Forwarded email from XXXX  to Wakefield and Associates. 

Didn't hear anything back- so I figure this was resolved. 

Doc 10 : XX/XX/XXXX : Received another letter from Wakefield and Associates. I did not follow-up on this letter, because obviously it didnt help last time. 

XX/XX/XXXX : I am now reporting them to Consumer Complaint because evidently, they are really trying to double charge people. It is a good case that I keep all these records, otherwise they might get away with double charging.
Consumer complaint received 2022-05-21
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX, XXXX ( Bank ) XX/XX/202, XXXX XXXX ( Bank ) XX/XX/2021, XXXX  ( Bank ) XX/XX/2021, XXXX ( Bank ) XX/XX/2021 XXXXXXXX XXXX ( Auto ) XX/XX/2021 XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/202XXXX XXXX XXXX ( Bank ) XX/XX/202XXXX XXXX XXXX ( Finance ) XX/XX/20XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX  ( Auto ) XX/XX/202XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-21
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. (AL)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX, XXXX ( Bank ) XX/XX/202, XXXX XXXX ( Bank ) XX/XX/2021, XXXX  ( Bank ) XX/XX/2021, XXXX ( Bank ) XX/XX/2021 XXXX XXXX  ( Auto ) XX/XX/2021 XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/20XXXX XXXX XXXX ( Bank ) XX/XX/20XXXX XXXX XXXX ( Finance ) XX/XX/202 XXXX XXXX XXXX  ( Finance ) XX/XX/20XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/2021 XXXX XXXX  ( Auto ) XX/XX/2021 XXXX XXXXXXXX ( Finance ) XX/XX/2021 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-21
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: Capio Partners, LLC (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # Beginning in XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-21
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: Credit Systems International, Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # Beginning in XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-21
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting Act, XXXX  Accounts below has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Collection Accounts : XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$620.00} XXXX XXXX XXXX  Date reported : XX/XX/XXXX Amount : {$540.00} XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$250.00} XXXX XXXX  Date reported : XX/XX/XXXX Amount : {$2500.00XXXX XXXX  XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$550.00} Credit Cards : XXXX XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX XXXX XXXX  Date reported : XX/XX/XXXX Amount : {$330.00} Closed XXXX XXXX  Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed Loans : XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$4600.00} Closed Public records : XXXX XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Dismissed and Closed State XXXX XXXX XXXX XXXX Date reported : XXXX XXXX XXXX Amount : {$0.00} Closed and Paid
Consumer complaint received 2022-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TN)

Citi Bank credit card Mastercard. XXXX I went to Florida and when I came back I wanted to pay the bill. I paid {$1900.00} minus the 3 rental cars from XXXX XXXX. Called fraud and guy told me that one of the girls added two more cars instead deleting them. Car was {$200.00} x 3. They refused to delete them all. XX/XX/XXXX to XX/XX/XXXX. In the meantime before I knew they were investigating the cars I put XXXX in XXXX. When I realized Citi was giving me a hard time I looked to transfer {$300.00} into XXXX  XXXX XXXX. It took XXXX  days to transfer. Unfortunately it past my time on Citi card. To pay them. Waited two days and I had to pay a late payment {$4.00}. so I paid it. In XXXX. Finally XXXX  XXXX XXXX did the transfer and paid Citi credit card. I looked at the bill XX/XX/17 to XXXX. They still will not cancel the car and add {$300.00} on to the {$200.00} plus fees of {$29.00} and fees {$4.00}. total {$540.00}. I have been calling them all the time they will not correct it. Also they keep asking everytime I call my birthdate. I am to old ignore her??? Good question. In the meantime XX/XX/17 to XXXX I spoke with a lady and I told her I do not them anything. She said yes you do. I said prove it lay it out for me. She said you {$300.00} and {$300.00} total minus {$540.00} leaves you with {$300.00}. I told her should go back to school and take math. I hung up I have been at this for XXXX months none at Citi card listens or can add and subtract I am still fighting. I do not know what to do. Please help
Consumer complaint received 2022-05-21
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)

I have noticed inaccurate inquiries on my report and I would like these removed. 
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 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (VA)

I applied for a balance transfer with Citibank XXXX in XXXX. I was given a {$9000.00} limit. Went through the online process to have my balance transferred to a XXXX credit card. When Citibank showed that the balance transfer went through and my XXXX card did not receive the payment I realized that it was sent to the wrong account. Now I will say this is my fault- I inputted one number twice for my credit card and the money was sent to XXXX. I have spent over 10 phone calls and countless hours trying to get my money back.

Citibank credit card customer service has been nothing short of horrible. 

On XX/XX/XXXX my initial phone call to Citibank I was told it would be fixed in 24 hours. 

On XX/XX/XXXX I called because it was not fixed and they told me that they would need 7-10 days from XX/XX/XXXX to start an investigation. ( I had a long conversation about business or calendar days and was not able to get a straight answer. ) On XXXX XXXX, 10 days from my first call, I was told that nothing was put in the system on the 4th and my initial complaint was inputted on XX/XX/XXXX. I was told they would need 14 days from XX/XX/XXXX and it should be fixed by XX/XX/XXXX. Someone from Citibank would call for the correct card number and to get everything fixed. 

On XX/XX/XXXX I called because I had not been contacted and the money was still showing at XXXX. Multiple service agent later I was told they had sent an email on XX/XX/XXXX saying the ball was in my court. ( I had no such email, but one did appear in my inbox 10 minutes later. ) That email said I had to call XXXX with a XXXX ID number to get my money back. I called XXXX but they said department was closed and to call back on a weekday. 

On XX/XX/XXXX I called XXXX and was told that I could not initiate the fix. That only Citibank could fix the problem. 

After multiple calls with Citibank I finally spoke to someone who put me on hold, called XXXX and came back and told me that I had to write a letter to XXXX to get my {$8500.00} back. She also told me SHE WAS THE FIRST PERSON TO CONTACT XXXX. I had been told multiple times that an investigation was being done which is why I had to keep waiting so it was very frustrating hearing 24 days into my initial complaint that this was the first step taken. In the meantime I have had to pay interest on the credit card I was attempting to use the balance transfer for. 

And then in the process of her actually being the first person to help me, 1 hour and 14 minutes into this call, the line cut off. I had not gotten the mailing address for XXXX.
Consumer complaint received 2022-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I signed up for a card during the checkout process because I thought it was a membership rewards card, not a credit card, and the clerk was being insistent after I had already declined it several times. It wasn't immediately clear that the " Kohl 's Card '' I was being offered was not just a store membership. I did not realize until after the transaction was complete that I has signed up for a credit card. Right after leaving the store I immediately called the customer service number listed on the card information packet I received with my receipt. I asked to cancel the card application, and was told that the application had already been processed and approved, so it was too late to cancel. 

I did not want or intend to sign up for a credit card. By having the whole application and approval process take place during the checkout process, there is no chance for customers to actually make an informed decision. 

On review of the receipt, it looks like the entire transaction was charged to the credit account that I didn't mean to open- I had my personal credit card inserted in the POS system at the time of checkout and thought I had been paying with that. Now I might owe a balance for a credit card account I didn't even intend to charge to. 

This occurred on XX/XX/2022 around XXXX at the Kohl 's in XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ) My call to customer service was at XXXX XXXX.
Consumer complaint received 2022-05-21
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. (TX)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructi
ons
Consumer complaint received 2022-05-21
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. (TX)

The creditor XXXX XXXX clearly stated that the potentially negative reporting account on my credit report was to be removed. This account is continued to be reported to my credit report. This account is also reporting inaccurate information. The credit bureaus have been taking over 30 days to investigate this. This violates my rights as a consumer in accordance with the Fair Credit Reporting Act. This continued negligent reporting has been harming my livelihood as a consumer.
Consumer complaint received 2022-05-21
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. (TX)

In accordance with the Fair Credit Report act XXXX  Account XXXX XXXX, XXXX XXXX Account # XXXX has violated my rights. 

-15 U.S.C 1681 section 602 A. States that I have a right to privacy.

- 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission.