davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Credit reporting 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)

While XXXX and XXXX XXXX XXXX was on cease and desist XX/XX/year> they continued to add reports on my profile and they have sold and charged off the debt with a balance and have not sent me a 1099c. I also discovered a major discrepancy in the sale price of the vehicle sold to me, where there are 3 different purchase prices on my paperwork and paperwork reported to the DMV. This Vehicle was Repossessed and resold. 
I have sent them 2 notarized notices and affidavits and plan to file an additional complaint with the DMV.
Consumer complaint received 2022-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (KY)

Mother has put myself down as a co-sign with a bank credit card from XXXX XXXX Bank with intentions to help my credit in XXXX Credit card was closed out in years of XXXX by XXXXXXXX  XXXX Bank which we , my mother and I, made a phone call to them to make sure the credit card was closed with a XXXX balance. XXXX XXXX Bank has no documentation of this since its beyond a 3 months span. 

Midland Credit Management ( debt collector ) claims the card reopened and is attempting to collect a debt with the amount of {$2900.00}. Midland claimed a payment was made on XX/XX/19 for the amount of {$150.00} under my name. Midland was not able to provide accurate account information the payment came out of, along with purchases made when asked. 

Midland Credit pursued a civil summons attempting to collect the debt in the month of XXXX. I have taken action and responded back to Midland that I do not owe/unaware of this debt which may be the result of a fraudulent attempt with my information by another individual. 

I did not reopen the XXXX XXXX Bank card, I do not owe the amount of {$2900.00} to Midland Credit Management nor XXXX XXXX Bank, and have not made any payments towards the amount listed above on a bank card from issued by XXXX XXXX Bank. There is no evidence that the payment came from my current nor previous bank statements dating back to the time of this claim.
Consumer complaint received 2021-05-14
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: Experian Information Solutions Inc. (SC)

There is a medical collection on my report. Not only does it violate HIPPA it is also reporting incorrectly. I have medical insurance and my insurance has covered all of my medical expenses in the last 4 years. I have contacted the company as well as filed a dispute with the credit bureau
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-25
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: EQUIFAX, INC. (IN)

I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-10
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (WA)

I tried to best match my problem with the provided options. My issue is with a checking account promotion rather than the checking account itself. I already had a Citi XXXX Credit Card with Citibank when I was in the market for a checking account. I just happened to log into my online banking account when Promotion XXXX was advertised to me. I did not open this new account only for the promotion, but it was more incentive to open my checking account with Citibank. The promotion stated that if I had a minimum deposit of {$15000.00} in New-to-Citibank Funds by the 20th day of opening the new account and kept them there for an additional 60 days, then I would receive {$400.00} as a cash bonus. 

On XX/XX/XXXX, I received only {$200.00} as a cash bonus despite following the general rules. I opened the account within the promotional period, I deposited New-to-Citibank Funds within 20 days of the account opening, and I maintained the balance for an additional 60 days. I believe I opened the account on or around XX/XX/XXXX. I had more than the minimum requirement of {$15000.00} by XX/XX/XXXX, less than 20 days post opening. My available balance never decreased as I made sure not to withdraw any money from there, only deposit. 

I believe these are the details of my first dispute : Date : XX/XX/XXXX XXXX Subject : Citibank Service Request # XXXX Reference : XXXX It was resolved on XX/XX/XXXX, XXXX. I will attach a scan of the physical copy of the resolution, where they provided their reasoning for only giving me {$200.00}. Basically, they said that my account did not qualify for the full {$400.00} because the deposit of {$3500.00} through XXXX was not qualified. 

I have two issues with this. 1 ) These were still New-to-Citibank Funds despite having been transferred from my personal XXXX  of XXXX checking account ( somewhat irrelevant, but I wanted a new primary checking account for personal reasons that is why I opened one with Citibank when I already had XXXX XXXX. 2 ) That {$3500.00} was in my XXXXXXXX account for less than a day. Originally, I had it in cash and wanted to deposit it into Citibank but the closest branch to me ( XXXX, WA ) was two states away in California. Since I had no physical way of depositing the cash into my new checking account, I thought the next best option was to deposit it into XXXX and XXXX it over, as they should still be considered New-to-Citibank Funds. On the landing page for the promotion, it was not listed that I could not XXXX funds, so it was misleading. 

I believe I opened a second dispute with Citibank on XX/XX/XXXX to try to further explain my situation and how the only reason I XXXX  was because I had no branches near me, but recently I was advised to file a complaint with you and thought it was worth a shot. 

Please let me know if you need any additional information. 

Thank you.
Consumer complaint received 2022-04-10
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX  XXXX Acct # 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 and consumer credit plan as late for any reason.
Consumer complaint received 2021-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

I am not aware of why my account was closed on good standing. I had one return payment on my account because I forgot to change to auto draft account from a closed account to the new one, but that is not a reason to close an account. It's not like I was behind or owed you several dollars. The rep told me the account was closed because of a return payment in XXXX, even though Paypal received a payment after I noticed that it had the wrong account. They do bad business and treat their customers XXXX on PAYPAL and XXXX.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-25
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. (IN)

I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX 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
Consumer complaint received 2022-10-25
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: Experian Information Solutions Inc. (IN)

I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

i received a copy of my credit report and noticed there is information reporting that i have no relation to. My information has been exposed in a data breach and has been misused without my permission. I have contacted my attorney who plans to assist me in this matter shall these items not be removed from my credit report. Under fcra 605b, fcra 609e, this information must be permanently deleted from my credit report within 4 business days of receipt of this information. I will be following up with each agency to ensure that this matter is taking care of promptly. Please add a extended fraud alert to my credit profile and contact me before opening any accounts XXXX the following accounts are accounts that have no relation to me : XXXX XXXX # XXXX {$440.00}, XXXX XXXX # XXXX {$390.00}, XXXX XXXX # XXXX {$51.00}, XXXX # XXXX {$110.00}, collection account # XXXX {$17.00}, XXXX XXXX # XXXX {$1000.00}, XXXX XXXX # XXXX {$320.00},
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WY)

I opened a account with XXXX  XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ) they are the ones who turned this in to the credit agencies XX/XX/XXXX I had a PERFECT payment record until XX/XX/XXXX, towards the end of XX/XX/XXXX my Father was diagnosed with XXXX  XXXX XXXX I live in Wyoming I Immediately flew back to Indiana to be with my family he had a XXXX XXXX around the first of XX/XX/XXXX it didn't go good he died a couple weeks later on XX/XX/XXXX this was a Very traumatic event I can send death Certificate if necessary it was during this time for the first time EVER I was late when I got back to Wyoming the first of XXXX and immediately made my payment now is when my problem begins XXXX XXXX turned this into the credit reporting agency 's didn't know this unit sometime later when trying to acquire loan I contacted XXXX XXXX trying to explain my situation that's when the problem started they have lost my account, Number XXXX XXXX  XXXX/ XXXX were in the process of parting ways I was cought in the middle I contacted both XXXX and XXXX they have no account information I have been going through a credit repair program but this bad report is still on my Experian report I need it removed Please help me
Consumer complaint received 2019-01-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MO)

I filed for bankruptcy, and the company has retaliated by blocking me from accessing my account. I am no longer able to check when payments are due, how much is due, tax information, payment history, or anything else. They refuse to send statements, so I can't get the information there either. Without having this information available, I am at risk of losing my home, and that is their whole purpose in denying me access to MY information. Contacting then numerous times has had no results. They are also violating Federal Bankruptcy laws by retaliating.
Consumer complaint received 2022-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (FL)

Macy 's mailing correspondence address is po box XXXX, XXXX XXXX, South Dakota XXXX. XXXX, the call center manager, has a Macy 's fax correspondence number at XXXX XXXX XXXX. XXXX is an offshore call center manager for Macys. 

I called Macy 's XXXX XXXX XXXX XXXX and spoke with XXXX. He told me he couldn't tell me if my current card was active and asked me to call a cell phone number. I asked for his supervisor. The supervisor was XXXX. She said that she was told that I tried to make a transaction and it was declined. I said that is not what I was not what I was calling about. I said, I want to know if my card is active. XXXX said, the card is active until XX/XX/XXXX. Then I was told by XXXX that I couldn't use my card now after she said I could because she said the system did a change on the expiration date and I could no longer use this card even though I did not request a change and did not activate the new card. 

Now I asked XXXX to let me speak to her manager and she says, the manager is not available. Then she said the manager is available and transferring to the manager and was put on hold. 

XXXX, manager says XXXX investigation is initiated. XX/XX/XXXX expiration fraud requires new card as of XX/XX/XXXX. XXXX says many customers have the same problem when a new card is sent the last week of the month Macys changes the expiration date to the future expiration date of the new card before it is activated and without customer knowledge or customer permission. XXXX, XXXX and XXXX are offshore contracted customer service for Macys.
Consumer complaint received 2021-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC. (IL)

On XX/XX/XXXX I contacted Robinhood broker company.

I let them know that my account have been locked out and that i needed access to it.

i had no change anything ( nor my username or password ). however, i was no able to log in from anywhere.

I contacted Robinhood several time through all my different emails to give me access. I sent repeated emails from

3 different emails i have. they contacted me via email and said they had received my message but it would take 1 - 3 day to ge
t back to me. meanwhile, I noticed there was money transaction taken out of my checking bank account that is linked to my Robinhood trading account. 
i reported this again. they contacted me next day to ask me to upload photos of my identification. I did upload them same day. Next day someone else contacted me asking me to submit photos from my other emails. I did upload them again. To this point my Portfolio had several PUSH options that i had left open Friday afternoon. the stock market crashed Monday and Tuesday XXXX XXXX XXXX My options should have been in great value but of course i had no access to my account. 
On Wednesday someone from Robinhood contacted me sending me credentials for log in to my account. 
an email that was no mine. that email was : XXXX and my user name ( this was correct ). 

i reported that the email was no mine. i received their reply that they would send my case to higher customer assistance ( this was on Wednesday ). today is Friday and no one has contacted me yet, and i have sent several emails asking for an update.

my bank account was withdrawn another {$3000.00} today that i had not authorized and used towards Robinhood transactions. I had to block my bank account for any purchase or withdraws, especially from Robinhood.

I do not understand how serious Robinhood is about people 's safety and their credentials. 
someone hacked my account and use an email as XXXX I have exhausted contacting them. 
They do no have a phone number that allows you to speak directly. 
I need an immediate solution to this problem.
Consumer complaint received 2023-11-30
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: Experian Information Solutions Inc. (NM)

In XXXX  of XXXX, I had XXXX credit cards from XXXX XXXX After XXXX payments, I missed XXXX payments and they called to ask me about them. The man was very rude and pushy, so I told him how I felt about getting called XXXX times a day. He said something to the effect of " XXXX XXXX XXXX XXXX XXXXXXXX '' and hung up. After that, my XXXX XXXX dropped from XXXX to XXXX. XXXX. And I was listed by Experian as deceased. Since then, I have been unable to get any additional cards, or loans, or even utilities in my home. I've lived for XXXX years now off batteries and in the cold. It has costed me XXXX XXXX XXXX XXXX XXXX. I have disputed this numerous times and they just confirm that I am dead every time. I've called. I've begged. I've talked with the lender. Everybody just sends me to someone else to fix it. Meanwhile my home is still dark and so, so cold. It's been XXXX  multiple times because it appears abandoned and my security system requires an electrical connection to work. I was XXXX XXXX XXXX in my own living room a month ago, as I walked in in the dark. At what point do they have to correct this? XXXX bitter lender shouldnt be able to just destroy my life like they have, and yet he did, and nobody will do anything to help me. I don't know who else to talk to or what to do, but I am desperate. Tonight it will be XXXX degrees, and I have no heat or even flashlights with batteries because try getting a loan or credit card or passing a job background check when everybody first goes to Experian and they say I have XXXX credit history and am dead. 25 years of building my credit just thrown away on the whim of some XXXX across the world that I couldn't even understand as he harassed me over {$35.00} a dozen times a day. This cant be legal, and sure the XXXX isn't right. Please help me!
Consumer complaint received 2022-09-28
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)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-09-28
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. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2023-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (CA)

I spoke with one of your representatives, XXXX XXXX, on XX/XX/2023, in regarding a debt that appears on my credit report, which I do not recognize. 
During our conversation, XXXX XXXX was attentive and provided me with information about the alleged debt. However, after thorough review and consultation with my financial records, I still can not identify the origin of this debt. As a result, I am formally disputing the validity of the debt and kindly requesting that it be promptly removed from my credit report.