davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
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 act, the list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account number : XXXXXXXX XXXX XXXX XXXX XXXX ( falsified information and dates ) In accordance of the 1681 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

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 cause to believe that the information is inaccurate.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX I spoke to a girl named XXXX XXXX XXXX who claimed she was affililated with XXXX XXXX XXXX  XXXX by posting a room for rent on the XXXX  site under the XXXX XXXX  housing page. I never met this girl but assumed she was legitimate because she sent me her Drivers license information and like i said had publicly posted the room for all XXXX students and affiliates. 
After chatting with her about the room, she sent me photos of the room she was renting but it was the leasing centers pictures not her own, and some things sounded suspicious about the room. For an example she didnt give me a suite number to the room right away and hesitated. Shortly after she sent a " suite '' number and i saw " pictures '' for the room she sent her " email address '' for me to XXXX  her {$100.00} for the application fee and {$600.00} for rent. My bank suggested that this email is associated not with a girl with her name but with a person named XXXX XXXX. I asked if this was her or her account she said yes. She had also sent a fake XXXX XXXX tracking # which XXXX  XXXX said was from XXXX. Upon noticing it was a scam, i asked the same girl to return my {$700.00} and she ignored the claim but kept contacting me and putting me in touch with more people to send money to claiming the " XXXX XXXX '' driver needs {$200.00} and to hurry and send the money. I reported the fraudulent XXXX  account to police the girl who posted and all the other information with XXXX police department. 

I called citibank for a return of those funds because i never authorized for my money to go to a scam artist. In addition, even though she was not affiliated with XXXX, not even living in the state of california, and not rendering services for XXXX XXXX XXXX XXXX ca, I sent CITIBANK the XXXX POLICE DEPARTMENT case # which is XXXX. 

A detective named officer XXXX had also agreed to work on the case. 

The 2 officers who showed that day right away had said they hoped to get my money back but CITIBANK denied my request for a return of the {$700.00} to XXXX. 

This XXXX  transfer was done through my checking account and my only checking account with Citibank. I also called " XXXX XXXX '' who is the branch manager with the bank i had opened my account with in XXXX XXXX and he claimed that he doesnt handle any fraud at the branch and that i would basically have to call the number on the back of my card. He had initially told me he would give me a call back to see what he could do but upon calling back at the time he said he would be able to talk to me, the bank affiliates gave me a phone number to the CITIBANK in XXXX XXXX saying that he is there for the rest of the day.
Consumer complaint received 2022-06-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (NC)

On Fri XX/XX/XXXX, I called Bridgecrest as I thought I was late on my payment. When I called, I had already scheduled a payment for the past due amount, which was to pay around XX/XX/XXXX, which had not processed ( the normal process time is about 4-5 days ) and wanted to discuss payment options for my XXXX payment. The rep I spoke to told me I only owed {$5.00}, and that other than that, I was up to date and did not have a payment due, after the {$5.00}, until XX/XX/XXXX. So I took the money out of my checking account and let that XX/XX/XXXX payment go through and get returned. I have been unemployed since XX/XX/XXXX, have been making regular payments but after being unemployed for several months, I was more than thrilled to have an extra {$440.00} that I could use to pay other items that were also due. Today, I received a call that I was past due and needed to pay asap. I was totally confused - just 5 days ago, I only owed {$5.00}. The rep argued with me and told me that I had returned payment but no matter how I tried to explain the XX/XX/XXXX call, she would not listen so I hung up. I called back, same no interest/no care from that rep but I told her that Bridgecrest needed to listed to the XX/XX/XXXX call and then let me know what they could do. Their rep said I only owed {$5.00} which I paid on that day. The rep said the supervisor would review the call from XX/XX/XXXX and call me back within 15-20 minutes. That was over an hour ago and no return call or options for paying. 
Now, I'm afraid they will just come take the car and being out of work, that would be very detrimental for my family. I called trying to work with them, I was given the incorrect info and now, the car could be gone today- all because of what their rep told me. As an FYI, my daughter was sitting with me when I made the call due to a broken rib I have from a recent accident, and it was on speaker phone so I do have a witness of the call. I also sent a text to my son telling him the good news because right now, his job is the only thing keeping us going.
Consumer complaint received 2019-03-22
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

Emergency room visit year 2012. I was uninsured I paid extensive amount back. The creditor said they saw I had paid so they dug up my records and saw this one from 2012 so they added it to my report as new split into two of {$96.00} dollars listed twice. It has reappeared on my credit as a new debt. Asking for this to be deleted off my credit report. Very very old and creditors asked if I can pay more rather than settle. No financial assistance offered at the time for medical debt
Consumer complaint received 2018-12-11
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: Ad Astra Recovery Services Inc (CA)

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor Information XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX The above company ( s ) has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently. These are not my accounts and the creditors are refusing to delete them from my credit report.
Consumer complaint received 2018-04-24
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I opened this account and I was saving little by little. I work XXXX   XXXX .. a man with whom I worked for gave me a check and I immediately called the bank to see if the check was good. They kept laughing and hanging up .. when I drove to the bank the lady called the cops and told me that the check was bad. She then closed my account and reported me too XXXX XXXX FOR FRAUD. # 1. How was it fraud if the person gave me the check? How was I supposed to know? 
# 2 she called my brother a XXXX XXXX XXXX and said she would have him XXXX XXXX * COMPLETLY UNPROFESSIONAL *.. I waited for the cops and they said for me too just call the corporate because that was ridiculous.. I want MY NAME CLEARED FROM XXXX XXXX   BECAUSE NO MONEY WAS EVER CREDITED FROM THAT CHECK AND I DIDNT SPEND ANYTHING AND I DID NOTHING WRONG!! Complete disrespect and I have had all my banks CLOSED DUE TO HER REPORTING ME!!!! Crazy
Consumer complaint received 2019-03-22
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

Emergency room visit year XX/XX/2012. I was uninsured I paid extensive amount back. The creditor said they saw I had paid so they dug up my records and saw this one from XX/XX/2012 so they added it to my report as new split into two of {$96.00} dollars listed twice. It has reappeared on my credit as a new debt. Asking for this to be deleted off my credit report. Very very old and creditors asked if I can pay more rather than settle. No financial assistance offered at the time for medical debt
Consumer complaint received 2018-02-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (GA)

XXXX XXXX  filed sue on XX/XX/XXXX spoke with them on Friday XX/XX/XXXX, advising that correspondence needs to be resent. I havent received latest correspondence with offers. The law firm handeling the amount quoted a different amount of 900 plus which was not same amount in sue. Im currently waiting on sheriff to serve papers.i spoke to someone today XXXX to claiming to be consumer employee stated my account originally opened in XXXX XXXX purchased it my originally agreement was with XXXX.
Consumer complaint received 2017-09-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

XXXX, Experian, and XXXX all showed my name and report as having an account with XXXX XXXX XXXX. XXXX dispute was good and the bad information was removed. XXXX will not answer the phones and the on line service will not function at all. 

I have contacted XXXX XXXX and they say they can not talk to me about the account because I am not on the account and they can find no record of an account in my SS #. I asked for a written statement to that effect and they told me I had to dispute it through the individual bureaus. I have done it and all but XXXX have fixed it. 

I sold my house and now can not get a mortgage due to this error. How in the XXXX do I fix it?
Consumer complaint received 2018-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CA)

Wells fargo has made decisions to deny me approval for credit based on identity theft and fraud on my credit report they were not fair to make another decision and the credit card under writing dept based the decisions on incorrect information on my credit. I informed them numerous times i feel like wells fargo has treated me unfairly as a consumer and the decision to decline was prejudice and not fair based on information they used that was incorrect. I fiiled complaint with attorney general. As well and fair credit act reporting agency.
Consumer complaint received 2022-06-14
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 XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-03-22
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (WA)

CITI Bank. Tried to open a new savings account : Accelerate 2.36 %. Have made over 30 phone calls. Would not accept wire transfers in good faith and bounced it two times and charged me {$100.00} for that. Will not communicate effectively about how to resolve wire transfers into CITI Bank savings. Now will not transfer out the {$10000.00} that is in there by TRANSFER from my Credit union, except {$2000.00} at a time for the next 5 weeks. Another loss of money. Further, a tremendous loss in interest from my local credit union because of CITI Bank 's problems. Never can help the customer.
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Phoenix Financial Services LLC (MI)

I have received letters from 2 different credit collection agencies ( the most recent from Phoenix Financial Services for XXXX XXXX XXXX XXXX, XXXX, for a charge of {$710.00} from XX/XX/XXXX from XXXX of XXXX XXXX XXXX . At the time I had Medicaid and I have spoken to medicaid several times and each time they tell me the responsibility for this charge is NOT mine and they should send the bill to them for payment. They said they never received the original bill and no one can produce that original bill for me. 

It is still showing as my responsibility on my credit report. The collection company is Phoenix Financial Services, LLC - XXXX XXXX XXXX - XXXX, IN XXXX. - PH # XXXX, I am attaching proof from Medicaid that I had Medicaid on XX/XX/XXXX. I spoke with Phoenix on XX/XX/XXXX and they said they were sending this bill to Medicaid. As of today it is still showing up on my credit report. This charge is not my responsibility and I need it off my credit report so I can apply for an apartment in XXXX. I appreciate your help!
Consumer complaint received 2019-03-22
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: TRANSWORLD SYSTEMS INC (MD)

I have received a data breach letter from XXXX and XXXX. I have tried disputing the items on my report but was told there is nothing no one can do. I should only have one account XXXX XXXX I have so many inquiries and accounts that I know nothing about like XXXX and Transworld. I have contacted IDENTITYTHEFT.GOV and submitted a complaint as well XX/XX/2019
Consumer complaint received 2019-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (OR)

At XX/XX/2018 I purchased an item from XXXX store for {$39.00}. Counter clerk said payment with XXXX credit card has been declined so I used XXXX XXXX XXXX card. Few days later I returned an item to the store and got my refund into XXXX XXXX XXXX account at XX/XX/2018. 
Unfortunately some time later I got a call form XXXX Customer Service noticing me that late payment fee will be charged if I will not pay my balance from XXXX credit card. I disagreed to do that and went to XXXX XXXX store for explanation. The only help I could get there was a phone call to XXXX customer service. They remove late fee penalty but never take back item price from my balance even I was asking for that. 
Since that I had two another similar calls with XXXX XXXX Customer Service, every time they are removing the late fee but not item charged price. Recently I got on paper XXXX Account statement showing on my balance price of never purchased item with this card and multiplied fees for late payment. Of course my credit score has been also harm b/c of this situation.
Consumer complaint received 2022-06-14
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. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-14
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Accounts # 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 1666B : 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 2018-04-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

CRA/HIPAA VIOLATION INACCURATE MEDICAL BILL WITH XXXX XXXX XXXX APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I'm trying to close an account with USAA that I used to share with my wife. Even after removing her from the account things she had on auto draft still continue to try to be taken out of my account causing overdraft fees. I just paid {$280.00} in overdraft fees and I'm trying to close the account because I'm not using the account and it's just accumulating overdraft fees which I think is robbery considering I'm a XXXX veteran on a fixed income and this is supposed to be a bank for military personnel
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have disputed this alleged and erroneous account currently being reported by the credit bureaus for XXXX XXXX XXXX. This isnt my first time disputing this alleged account and the time previously it has come back verified with no proof or no notification of what method of verification was used. Also the account shows inaccurate information. The spelling on this account is XXXX XXXX. My name is XXXX XXXX As per the FCRA Section. 609 and/or Section 681 the information on my consumer report must be 100 % accurate. As the misspelling of my name on this alleged account created by XXXX  is incorrect and is being furnished to the credit bureaus ( all three ) is causing a negative impact on my reputation. Also the invasion of my personal and private affairs by XXXX XXXX XXXX seems to be a violation of consumer rights as well.
Consumer complaint received 2022-11-30
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. (FL)

i requested the contract between XXXX And i but yet i received my tuition bill which should be private due to it having my personal information on it. it also came back verified even when i asked them to conduct a proper investigation which was never conducted nor provided to me as requested. I do not have any business contract with XXXX nor have I given XXXX and XXXXXXXX XXXX the permission to share such PRIVATE information nor did I receive any notice about there being a possibility of my PRIVATE information to be given out to strangers. they also mentioned they sent me mail to an address that i do not reside in since XXXX and a missouri address in which i don't reside in, which shows that i've never had any contact with this XXXX company before because if i did they would have an updated current address. i demand them not to contact me on matters not contracted by XXXX anymore and remove this account from my report.
Consumer complaint received 2022-06-14
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)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-14
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. (TX)

In accordance with the fair credit reporting act XXXX  XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy. 

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions