davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2023-01-26
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. (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately
Consumer complaint received 2023-01-26
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. (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately
Consumer complaint received 2020-09-15
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)

THERE ARE SEVERAL FRAUDULENT INQUIRIES ON MY CREDIT REPORT THAT I DID NOT DO. SOMEONE USE MY INFORMATION TO APPLY FOR ACCOUNTS IN MY NAME AND TO FILL OUT APPLICATIONS THESE ARE THE FRAUDULENT INQUIRES ON MY REPORT 1.XXXX  XXXX XXXX XXXX XXXX 2.XXXX  3.XXXX XXXX XXXX 4.XXXX 5.XXXXXXXX XXXX 6.XXXX XXXX 7.XXXX XXXX
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Collection Management Holdings, LLC (SC)

On [ XX/XX/23 ], I received a notification from XXXX XXXX regarding an outstanding debt purportedly Upon review of the said account, I assert that the reported debt is inaccurate and does not pertain to any obligations owed by XXXX XXXX to the best of my knowledge. I hereby request that your agency immediately cease all collection activities related to the aforementioned account and remove any derogatory remarks or entries associated with this account from all credit reporting agencies. 
I reserve the right to pursue legal remedies available to me under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws should your agency fail to comply with this request.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2021-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (IN)

THIS IS NOT A DUPLICATE COMPLAINT. 

This company has failed to post all my payments from XXXX to date and have reported my account as delinquent as of XX/XX/2021. 

While this is an ongoing violation of Regulation Z that they refuse to respond to, THIS complaint is concerning my CURRENT LOAN STATUS as of XX/XX/2021 ( see attached ) I have paid months in advance, and they are not processing the payments in accordance with Regulation Z. 

I have followed up and sent multiple emails but XXXX XXXX has refused to respond ( see attached ) As such, I am filing another complaint as my mortgage and credit is at risk for their violation of Reg Z and failure to process payments as required by law.
Consumer complaint received 2019-01-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (AL)

I purchased over {$2000.00} in furniture from XXXX XXXX using the store credit card issued by XXXX XXXX on the promise that I would receive {$200.00} in rewards I could use at XXXX XXXX. We ordered the furniture in XX/XX/XXXX, our card was charged on XX/XX/XXXX. As you can see from the attached statements, we had a {$25.00} reward certificate with the XX/XX/XXXX statement and an additional {$170.00} certificate with the XX/XX/XXXX statement. However, when I tried to redeem them I was told that the account had been closed and the {$170.00} certificate was no longer valid. I was not notified that the account was being closed or that the certificate was no longer valid. I contacted XXXX XXXX and they referred me to XXXX XXXX as the card issuer. When I contacted XXXX, they told me the account was closed and as a result, the most recent certificate was no longer valid. I did not close the account, it was still active and carrying a balance, and in good standing. The account will be paid to zero on the next due date, XX/XX/2019, and I don't understand why if I can make payments on the account I can't use an unexpired reward certificate. This is unacceptable. I expect either a store credit or for the certificates XXXX has already awarded to be honored. XXXX has been completely uncooperative in resolving this or even explaining why an active account was closed without notice.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NJ)

Item ( The XXXX XXXX x XXXX down jacket ) was purchased on XX/XX/2022 for a total of {$2700.00}. Item was allegedly delivered on XX/XX/2022 and signed off by buyer. this is incorrect because buyer was not in the dwelling to receive the package. Buyer requested proof of signature to verify signee. Buyer reached out to merchant. Merchant did not provide any updates nor alternative solutions, besides " we'll look into it. Buyer unable to receive updates nor responses from merchant decides to escalate situation to creadit card company. Disputes have bene opening and closing without providing evidence nor a written statement providing a detail brief of what was found in investigation. Buyer simply gets email noting. dispute has been in favour of merchant. dispute keeps opening and closing without proof nor reaching out to buyer regarding outcome, nor answering buyer 's questions. Credit card company keeps saying they will investigate, but instead, dispute keeps getting closed and my evidence keeps getting taking down everything they close the dispute. credit card company has proof me reaching out to merchant, trying to receive answers. and merchant does not repond.
Consumer complaint received 2024-03-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (GA)

On XX/XX/2017 rent recovery solutions reported to the credit bureaus a balance of {$5400.00} that I was not aware of this balance is the result of is identity theft. I have repeatedly disputed this account and reported that I have never lived or been at that apartment complex. Recovery solutions continue to report to the credit bureaus after seven years. They have not provided me with any proof any documentation of the debt. I have tried for many years through the credit bureau to obtain the necessary information via US written mail, and online disputes. Some credit bureau have removed or closed the collection that rent recovery solutions have placed on my credit however, some like XXXX is still receiving their debt reports. Im not sure how to go about the situation but its been so long and I have not come to a resolution after seven years I hope that this organization through this complaint could help me resolve this issue.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that needs to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX Balance : {$420.00}, If you feel there is a possibility this account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2019-03-31
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)

I've provided enough information for these companies to conduct a thorough investigation. 
XXXX XXXX is reporting inaccurate on my credit report with Equifax and XXXX  and they refuse to delete the accounts.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft for the other bureaus have already done their part. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX  CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$1300.00}
Consumer complaint received 2023-12-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (CA)

On XX/XX/2023, we used Square as a processor for our small business transaction. We run a small XXXX XXXX XXXX XXXX XXXX XXXX . The transaction ( {$20000.00} ) occurred in person via their Tap To Pay option. Accidentally, we charged the transaction to our business card rather than our customer credit card. We tried canceling and issuing a refund, however their app did not let us. Square had blocked and deactivated our account, requesting documentation, with funds to be held for 90 days. We explained that the transaction occurred via tap to pay and there was no documentation/agreement for it at the time. We asked for canceling or full refund of this accidental transaction. After multiple phone calls and emails, the company is unreachable past the basic customer support over phone which is refusing to provide solution, emails seem like automated responses stating the same thing over and over again. Square , Inc has thousands of similar complains for business all over the U.S. We are asking for someone from Square to reach us and to provide solution in the next 30 days, else we will take this to court and social media! Please small business out there be careful when using Square for payment processing.
Consumer complaint received 2019-09-17
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: Gallatin Valley Financial (UT)

Rocky Mountain is reporting a new collection on my credit report that I did not get any notice or warning of. I never received a 30 day right to dispute letter and I never received any notice that this was a collection until I saw it on my report. This is in violation and I would like it to be removed.
Consumer complaint received 2024-03-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (VA)

I HAVE TWO CITI CREDIT CARDS WITH CITI ONE IS A CITI XXXX CARD AND THE OTHER IS A CITI XXXX CREDIT CARD. BACK IN XXXX OF LAST YEAR I PUT IN A DISPUTE REGARDIBG MY CREDIT LIMIT ONE CARD CITI HAD A CREDIT LIMIT OF XXXX WITH A CASH ADVANCE AND THE OTHER CREDIT CARD HAD A CREDIT LIMIT OF XXXX ALSO WIWTH A CASH ADVANCE. I WAS GIVEN BACK MY CASH ADVANCE BACK IN LATE XXXX FOR XXXX NO CASH ADVANCE BUT XXXX CASH CARD NO CASH ADVANCE WITH A LOW CREDIT LIMIT THEN EVRY SIX MONTH IT GET REDUCE DOWN. I CALLED TO CITI ABOUT THAT BUT NEVER GET ANSWER OR REPONSE ON WHY ONLY A LETTER. RECENTLY A GOT A COPY OF MY CREDIT REPORT FROM XXXX, XXXX AND XXXX XXXX LOOKING AT MY CITI ACCOUNTS ON MY CREDIT REPORT THE PAYMENTS HISTORY IS NOT ACCURATE, THE BALANCE ON MY CREDIT REPORT IS NOT SHOWING I MADE ANY PAYMENTS TO THE ACCOUNT, ALSO THERE IS NO CREDIT LIMIT LISTED ON SOME ACCOUNT THAT I MADE PAYMENTS ON. I HAVE INCLUDED MY DISPUTE WITH EACH CREDIT BUREA AND I SENT MY DISPUTE WITH MY CREDIT STATEMENTS SHOWING I MADE PAYMENTS TO THE ACCOUNT. THE REASON BEING MY ACCOUNT IS LOW BALANCE, PAYMENT HISTORY, THERE NO HIGH BLNCE LIST ON MY XXXX XXXX CREDIT REPORT, JUST WANT CITI TO GO BACK OVER MY CREDIT REPORT AND UPDATE THE REPORT CORRECTLY,
Consumer complaint received 2024-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY (IN)

Hello! I logged into the Wells Fargo banking site today and saw my mortgage account was removed. I have not had any notice of changes from Wells Fargo or a new mortgage company. I called Wells Fargo just a few minutes ago, they said they could not find any account under my name, then they immediately disconnected the call.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX  XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX : {$0.00} XXXXXXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Trans Union credit report has unauthorized hard inquiry by XXXX XXXX XXXX  on XX/XX/2020. tried to resolve with Trans union online but there are no options to dispute a hard inquiry, only to report fraud. I began an online application thru XXXX XXXX for a personal loan to see what interest rates were being offered, halfway thru the application questions were being asked about personal banking information so I stopped application. I never Knowingly gave permission to run my credit report as a hard inquiry. XXXX XXXX XXXX sent me 21 emails, 10 text messages and 5 phone calls begging and harassing me to complete their application, I have copies of all correspondence attempts, this application was not completed and I did not give permission for hard inquiry. I have perfect credit and have had many loans so I know when something is fraudulent. 
Thank You XXXX XXXX
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (NY)

I was making regular payments to my CC - XXXX  Master Card issued by Barclays. I was told that because of job loss as per Covid, I could make regular payments until I was gainfully employed and can resume full monthly payments. The issuing bank, raised my rates and canceled the card this month.

If needed I can supply account numbers, SS # and payment statements.

I have had this card for over 12 years.
Consumer complaint received 2019-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CO)

On XX/XX/XXXX, I applied for a Citi XXXX Visa card. In reviewing the application and approval emails from Citi there was no mention of annual fees. In the approval email I received on XX/XX/XXXX, there is a link card benefits. On that linked web page, the phrase annual fee is mentioned only once : there is no annual fee. On XX/XX/XXXX I was charged {$60.00} for an annual fee. 

Citi charged annual fee without divulging that an annual fee was associated with the card. Rather, their website leads one to believe the opposite - there is no annual fee. 

On XX/XX/XXXX, I sent a certified letter to Citi addressing this matter. On XX/XX/XXXX the letter was delivered. They have not responded.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAINE & WEINER COMPANY, INC. (MO)

The company Caine & Weiner is in violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalid Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

I recently tried to apply for an apartment complex and due to this inaccurate information I was not able to obtain housing. Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items. The company didnt report the information 100 % correctly. Under 15 U.S. Code 1681e ( b ) Accuracy of Report, whenever a consumer is reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Company did not provide original signed documents of me agreeing to paid debt nor did they provide proof of business license allowing them to practice in my state. 

Caine & Weiner ( XXXX )
Consumer complaint received 2019-11-19
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: CITIBANK, N.A. (CA)

Best Buy reports information from XX/XX/2013, however I was delinquent in the beginning of 2013. The 7 years of delinquency has done the damage already and I ask to remove them as this account is beyond the statue of limitations for first reported delinquency. This account needs to be off my reports please.
Consumer complaint received 2022-08-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXX, 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 2022-03-04
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. (MI)

In accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX BANK XXXX XXXX XXXX XXXX BANK XXXX XXXX TXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX SXXXX XXXX  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 acount without my written instructions