davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-07
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: CITIBANK, N.A. (CA)

XXXX refuse to clear my account They refuse to tell me where is the balance from There failed to process my dispute The. They reduced my credit limit from {$4000.00} to {$300.00} They toyed with me request stuff waisted my time caused me harm and Heath problem I am seeing attorney for law suites XXXX  thinks they could do this and get away with it This is how they do business When customer return everything they keep a balance so they could force customer to make payment pay interest Then when customer ask about the wrong balance they refuse to say they play around menaplate charges late fee do every cheat fraud in the book Thinking customer is afraid and pay without question This will be very costly for XXXX
Consumer complaint received 2023-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting at the list of account below has violated my federally protected consumer rights to privacy and confidentially Collection company name : XXXX XXXX XXXX  Account number XXXX Account number XXXX Collection company name : XXXX XXXX Account number XXXX XXXX Collection XXXX XXXX : The XXXX XXXX XXXX 
Account number XXXX Collection company name : XXXX XXXX  Account number XXXX Collection company name : XXXX XXXX XXXX Account number XXXX Collection company name : XXXX XXXX Account number XXXX Collection company name : XXXX XXXX XXXX Account number XXXX Account number XXXX 15 USC 1681 section 602.a States I have the right to privacy. Section 604a also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( A ) 5 section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes wish antedates the report by more than seven years 15 USC 1681s2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency is the person knows or has reasonable calls to believe the information is inaccurate
Consumer complaint received 2023-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (NJ)

There is information that on my consumer report that is a result of identity theft I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting at this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX Account number - XXXX This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalidated credit information. Please remove immediately.
Consumer complaint received 2019-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST CITIZENS BANCSHARES, INC. (SC)

XX/XX/XXXX, I requested my First Citizens Bank Credit Card reward points to be deposited into my checking account with First Citizens. The Amount of  XXXX was never deposited. I have attempted three times since XX/XX/XXXX to start the process again. 
First Citizens has put in multiple expedited requests but they go unanswered. I called again on Monday XX/XX/XXXX and a very rude representative from the Credit Card Department told me she couldn't do anything for me. She then asked if there was anything else she could help with and she hung up on me. 

I have not received any follow up calls on my requests. Since then my Credit Card has been closed and i have not had any movement with this. The phone number that I last received a call from was XXXX, on XXXX XX/XX/XXXX. She would not give me her name and was completely insistent on not being able to assist. 

I would like to submit this complaint to have First Citizens Bank honor their promise in fulfilling my request to have my rewards of XXXX deposited into my Deposit Account. I am looking into consulting with my Attorney. I feel that this is a violation of UDAAP. This was a rewards card which I had rewards available  prior to my account being closed. The request to transfer my rewards was never fulfilled which is a violation of the marketing for this Credit Card.
Consumer complaint received 2023-04-09
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. (NJ)

The below listed accounts had violated my federally protected rights of privacy under XXXX XXXX XXXX XXXX XXXX XXXX OF 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  5 USC 1681, section 604 A Section 2 : also states, a consumer reporting agency can not furnish a account without my written instructions. 


15 USC 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime, which add a date to the report by more than seven years. 


15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is in accurate.
Consumer complaint received 2019-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

To Whom it may Concern : This is request for documentation of original contracts. I take issue with the methods used by XXXX XXXX, XXXX XXXX  AND A FEW OTHER ACCOUNTS LISTED BELOW! XXXX v. XXXX, XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX 1959 XXXX XXXX XXXX contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX XXXX XXXX XXXX Wheat XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. 
Also I have received a credit report claiming that I owe a debt to these companies yet I never seen a single letter prior to the listing of the negative items. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin. 
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  Please send notice of a cease and desist to all creditors until documentations are properly provided.
Consumer complaint received 2019-04-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (WA)

On XX/XX/ 2018 i went to Best Buy with the intention to buy a new computer and apply for the credit card that best buy offer throgh City bank. Best buy offer this credit card for people with good credit and cero anual fee. I applied because i have excellent credit fico at over 800 and history over 15 year without missing a single payment. So my credit is good, that is what i thought! My application was denied and employee call the bank to find out. Because he got a code saying that he needs to call them. When he call the bank, the bank asked to speak with me. The bank told me that they can not approved my application for that specific card but they have a better offer for me with a better card with rewards but have a anual fee. I told them that i do not want a credit card with anual fee, but want that i have applied for. The bank said he can not offer that one but insisted to get the better one with anual fee. So the bank ask me if i declined to take the card with anual fee, and said yes. I left best buy without a credit card and with a hard inquired in my credit. They told me that i will received a letter in the mail why i was denied credit and disputed with credit bureau. I called XXXX and they told me that they dont approved or denied credit, they only sent my info to the bank and they made the decision. So i called the bank and ask for explanation but i was told they dont have that i formation and i need to contact the credit bureau. So at the end i could not get information why Citi bank denied me the credit card that i applied for but instead offer me as they said a better one with rewards but has a anual fee.
Consumer complaint received 2018-04-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Genesis Credit Management, LLC (WA)

XXXX XXXX XXXX DBA Genesis Credit sent us a letter on XX/XX/XXXX, which we received on XX/XX/XXXX, stating they are collecting on behalf of a landlord {$240.00}. They attached a move out inspection report that was falsely altered after we signed it. We replied by certified mail on XX/XX/XXXX informing Genesis Credit that we dispute this alleged debt, that we demand verification of these charges within 30 days of receipt of this dispute letter, or else, provide written clearance of this debt. We attached copies of our original signed move-out inspection reports that show no damages to the unit. Where in fact the landlord owe us the damage deposit minus utilities.

Genesis Credit did not respond with written clearance of debt. Nor did they provide verification of the alleged debt. Genesis Credit proceeded to contact us by phone and email, harassing and threatening us verbally. On XX/XX/XXXX, Genesis Credit emailed us requesting payment, did not provide verification, and then on the phone threatened to harm our credit rating if we did not pay by XX/XX/XXXX.
Consumer complaint received 2019-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (TX)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2019-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (TX)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. GLA has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2019-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine
Consumer complaint received 2019-04-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc. (CA)

I was trying to pay a medical bill online in the amount of {$740.00} according to the amount on my XXXX credit report dated on XX/XX/19 and online it will not let me pay less than {$1000.00} I have requested contact from this company several times and they have refused to contact me so that I may pay close and close this account that have not taken any action to help me close this account, california business bureau will not let me pay this amount
Consumer complaint received 2023-08-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (OR)

Dispersal of funds - claim XXXX. 
My insurance company sent a check ( {$130000.00} ) for loss of house and I sent it to my mortgage company. The first check was deposited XX/XX/23. The second one deposited on XXXX  This check was for remaining coverage ( {$27000.00} ) and demo and removal of old house ( {$6700.00} ). 
On XXXX XXXX XXXX, I sent a copy of floor plan and purchase agreement and XXXX said it had to be approved by corporate and takes 8 to 10 days. I talked to them by phone XXXX XXXX XXXX XXXX XXXX, plus emails. I also called the in XXXX and XXXX plus email. 
On the XXXX XXXX XXXX, XXXX called and said she would send a check and tracking. I haven't heard from her since and no check. 
On XXXX XXXX, I emailed her 2 receipts for demolition and removal of old home which covers the {$6700.00} my insurance sent. I haven't received that check nor have I heard from her. 
I also emailed her on XXXX XXXX  and no answer. 
I called today, XXXX XXXX, left msg, no answer. 
In summary, I called on XXXX XXXX and XXXX said they had everything needed to process the claim except for corporate approval. It is now XX/XX/XXXX and no check. 
I originally asked for {$110000.00} as this is a manufacturer house and they require half down before starting to build it and the other half before delivery.
Consumer complaint received 2019-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

Several issues with payment count due to issues on their part several were corrected but Payment counts are still incorrect. They requested request in writing to be uploaded to my account. This was completed the first issues were corrected but i have been waiting almost a year ( XX/XX/2018 ) for a recount and correction. Payments have been completed on both subsidized and unsubsidized loans equally yet counts are off by varying amounts with Max different of 12 payments. I feel as though 10 months is ample time for this to have been completed.
Consumer complaint received 2023-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The following accounts are not mine and need to be deleted from my consumer report. 

The following accounts are against law 15 U.S.C. 1681 602 A states I have a right to privacy.15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written instructions These accounts are in violation of this law and needs to be deleted from consumer report. 

XXXX XXXX inquiry XXXX XXXX XXXX  XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXX ACCOUNT # XXXX XXXX OPENED XX/XX/XXXX is not mine.please delete from consumer report
Consumer complaint received 2019-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (IN)

This is a complaint against XXXX XXXX XXXX and Wells Fargo Consumer Credit Card. 

I have a Cell Phone Protection claim ( XXXX ) with XXXX XXXX XXXX  ( XXXX ). My Wells Fargo credit card has a Cell Phone Protection benefit administrated by XXXX. My cell phone had physical damage requiring a new LCD and button. XXXX denied my cell phone claim XX/XX/19 stating conflicting information. Information does not conflict. I submitted all of the paperwork : XXXX online claim form, XXXX bill,  Wells Fargo Credit Card Statement, XXXXXXXX XXXX invoice. My XXXX bill shows that the phone was not used between XX/XX/19 to XX/XX/19. I paid {$190.00} to repair the phone at XXXX. XXXX will not reimburse me for the {$190.00} repair fee. I was well within the 60 days notice of reporting the damaged cell phone to XXXX. All documentation was uploaded within 90 days on XXXX 

The physical damage was seen and heard by the diagnostic technician. The technician noted significant damage on the repair estimate. The technician saw that the phone did not function because it is obvious to the eyes and ears. He replaced the LCD and button, because the old parts were physically damaged. The reason for the damage is wear. With three phones in my household with XXXX children, we damage cell phones frequently. XXXX wants to teach consumers not to file claims. Wells Fargo needs to know that XXXX is not paying out for valid claims. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX : XXXX Policy Administrator : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, TN XXXX, Tel : XXXX or XXXX XXXX email : XXXX XXXX Website : XXXX XXXX Claim # : XXXX Filing Date of Online Claim Form with XXXX : XXXX Claim Amount for damaged cell phone, based on repair estimate : {$190.00} Damaged Phone : XXXX XXXX with phone line XXXX Date of Loss : XXXX Date of Phone Inspection with Repair Estimate : XXXX Phone Inspection by : XXXX Repair XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX, XXXX, Tel : XXXX Description of Damage : LCD did not work, Power button did not work, Touch did not work, Screen was black and useless. Phone did not function. 

Repair : Replaced LCD and button, fixed touch, repaired functionality Purchased Phone from XXXX : XXXX ( order date ) Claimant/Policy Holder : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX, Tel : XXXX Wells Fargo Consumer Credit Card # : XXXX XXXX XXXX XXXX Wells Fargo Credit Cards : XXXX XXXX XXXX XXXX, MN XXXX, Tel : XXXX
Consumer complaint received 2019-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (KY)

I banked with XXXX since XXXX of XXXX and shortly opening the checking account I noticed some very tedious transactions from Paypal. I contacted my bank and asked them to dispute these fraudulent charges and they said they would. 2 months after XXXX sends me a verification stating that some were credited and others were found that they had been legitimate! How I told them they were not my charges!? I contacted Paypal in XX/XX/XXXX to discuss how this may have happened and advised them the only time Ive done business with PayPal was roughly XXXX. I gave Paypal all the information they requested from me to discover 2 accounts had been tied to my name fraudulently and requested they be disputed and terminated. I gave Paypal several phone calls between XXXX and XXXX of XXXX and there still has been limited action taken to help me resolve this matter. In XXXX XXXX removes me as a consumer setting my account XXXX XXXX in the negative and Im now without a financial institution and the bank claims to have had fraud liability protection. I have submitted proof to the XXXX branch on XXXX XXXX XXXX XXXX Kentucky. The bank never took my account seriously even after I had disclosed in specific my need for the account coming from XXXX XXXX that handles my XXXX funds monthly. I was told no chArges for atm transactions not true, I was charged for my first order of checks that was free, I learned the hard way that my account was in fact not a real checking account but considered a cash account? I had that fixed! I used to stand high about my thoughts of these financial institutions and now am just overwhelmed with anxiety and stress not having much appreciation for myself its that bad. Im suffering terrible hardship Im being harassed and I keep begging to make this all a thing of my past. These companies do not care about us small time consumers we are just trash or thats the way I sure do feel after this plus much more.
Consumer complaint received 2019-05-09
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)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, AFTER REVIEWING MY CREDIT REPORT I REALIZED THAT THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY FILE. I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED OFF MY CREDIT.
Consumer complaint received 2019-10-03
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. (AR)

I sent in a complaint to Transunion in regards to Inquiries on my credit file that I did not make and Transunion said that these inquiries were verified, so I wrote Transunion again and ask, who verified these accounts and to send me documentations, names and number of the person or persons who verified these inquiries and still nothing from Transunion. I filed an Identity Theft document and sent to Transunion and yet these inquiries still remain on my credit file. I have done research on these crooked credit bureaus. I would like a live person to investigate my complaint instead of putting letters that I send thru XXXX which do not verify anything. 
Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX