davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
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. (KY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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 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 crimes which antedates the report by more than seven years.

15 U.S.C. 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.
Consumer complaint received 2019-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MN)

I had opened a citi bank credit card on XX/XX/2019. In order to open this card you needed to connect your bank account to put your own money on the credit card. It is not borrowed money from the credit card. You can only spend what you deposit onto the card. I deposited {$900.00} onto the card. Which came out of my bank account. On XX/XX/XXXX I had spent ONLY {$900.00} on a purchase. Which was my money I deposited onto the account. After i had spent my money that was in the card to make the balance {$0.00}. I called and closed the account because i only needed the card for 1 purchase. So on XX/XX/2019 the account was closed. On XX/XX/2019 I got something saying my minimum payment of {$25.00} was due. I didn't understand this because I had closed the account. Didn't borrow any money from them. Only used exactly to the XXXX what I had deposited onto the card. And now they are calling me telling me I owe them over {$200.00} when I had closed the account before the billing cycle. And only spent my money that I deposited.
Consumer complaint received 2021-07-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (CA)

Chase bank has violated my consumer right Fair Debt Collection Practices act. They are making me pay back monies for a consumer credit transaction that I did with them. Pursuant to 15 USC 1692 ( c ) ( a ) ( 1 ) there is a billing error because I am being billed in the positive for monies they say I owe. They also violated my right to rescind by not providing the proper documents on the revision process pursuant to 15 USC 1635 ( a ). They also violated my rights pursuant to 15 USC 1605 ( 5 ) because my insurance was not included in the finance charges which is required by federal law. As soon as I found out my consumer rights where being violated I sent a debt validation letter to Chase and they have not responded.
Consumer complaint received 2023-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2021-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I filed multiple complaints with CFPB about distributions taken out of my Bank of America Health Savings Account ( HSA ) in XXXX, the closing of the HSA and the opening of an HSA without authorization. A police report was filed regarding this account and tax statements were sent to Bank of America through CFPB. I received two email communications and a voicemail in which I was told by the Bank of America regulatory department ( in a voicemail ) that I have to communicate with them by XX/XX/XXXX. When I called the phone number and extension I was emailed, I was advised by an automated system that this is a debt collector. The messages from Bank of America did not mention this and I never received anything from Bank of America about my HSA account. The last time I engaged the CFPB, the Bank of America representative I spoke with said he could not find an account in my name. When I sent tax statements to Bank of America and requested documentation of transactions, I keep getting emails to call back with no response and now the threat of debt collection.
Consumer complaint received 2021-07-23
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ACIMA CREDIT, LLC (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Applied Business Services, Inc. (GA)

I've recently discovered this debt on my credit report as invalid and requested to have this removed. Security Collection Agency located at XXXX XXXX XXXX XXXX, NC XXXX has been contacted at ( XXXX ) XXXX by both myself and XXXX XXXX XXXX repeatedly with requests to remove this from my credit report and that it was reported in error and paid in full with a XXXX balance. Security Collection Agency is refusing to remove this from my credit report with all credit bureaus causing me to be denied credit. Please help me to have this collection agency to remove this from my credit report. They have refused previous requests from XXXX and XXXX of XXXX XXXX XXXX whom have tried repeatedly to work with me to have this removed.
Consumer complaint received 2022-01-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Bread Financial Holdings, Inc. (NY)

I recently opened an online savings account with Comenity Direct, which I believe is associated with Comenity Capital Bank. An initial amount of {$250.00} was transferred from my XXXX XXXX  checking account and received and posted on XX/XX/2022. After linking my checking account to the Comemity Direct account, an additional amount of {$30000.00} was transferred and received/posted on XX/XX/2022. The present account balance is {$30000.00}. Approximately XX/XX/2022. A letter was received from Comenity Direct indicating that a review of my account revealed potential security concerns and/or irregular activity causing a temporary suspension of the account. The letter stated that additional documentation was required and should be sent to the bank within 14 days. I complied and sent copies of the required documents. On XX/XX/2022 a product support representative, named XXXX messaged me indicating that the documents had been received and were to be forwarded for review. The review would be completed within 1-3 business days ( screenshot copy is attached ). I never received status of what was required. A second letter, dated XX/XX/2022, was received XX/XX/2022. It contained the same information and request stated in the first letter. I am experiencing difficulty with communicating with this financial institution by way of phone conversations and their website account messaging system. In addition, Comenity Direct removed the link of my checking account to the new saving account. I am now unable to transfer funds online. So, I have decided that I do not want to continue doing business with Comenity Direct. I made several phone calls and submitted several website messages directing the bank to close my account and return all funds back to my XXXX XXXX  checking account. It was explained to me, by several representatives, that funds where on hold until XX/XX/2022. On XX/XX/2022, I called and spoke to a representative ( XXXX XXXX and once again requested the closure of the account and return of the total {$30000.00} to my XXXX XXXX  account. The representative confirmed the appropriate required numbers associated with the checking account and then indicated that the funds would be returned within 1-3 business days. Also, I messaged the bank and requested confirmation asking for the dates when the account will be closed and when funds will be available in my checking account. As of this date the bank has not complied. I ask for assistance and help to recover these funds.
Consumer complaint received 2022-12-01
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. (AL)

on XX/XX/2022 I submitted documents that showed grave inaccuracies in information being reporting on my credit file by XXXX, XXXX and TransUnion. The only one of the above entities that I received a response was TransUnion and it did address XXXX of the unfair and unbeneficial items reported ; however there are many more items that I requested to be deleted due to major inaccuracies and surely this is not fair and equitable to me. This is a major infraction and violation as of the FCRA and I have given the above entities sufficient time to comply and it has not been done. I request that all of the inaccurate information BE DELETED IMMEDIATELY.
Consumer complaint received 2022-12-01
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. (NV)

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX XXXX  Account No - XXXX 1. Past Due- {$1300.00} 2. Last Payment XX/XX/XXXX 3. Account XXXX XX/XX/XXXX I already contacted XXXX XXXX on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX  XXXX XXXX XXXX XXXX account XXXX violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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.

Kindly delete the account. 

Thanks XXXX XXXX
Consumer complaint received 2022-01-12
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)

On XX/XX/2020 I used my Citi XXXX XXXX credit card to purchase 2 airline tickets to XXXX. Days later flights were cancelled due to COVID-19. I initially disputed one of the charges with Citi to get a refund ( which I eventually did on a ticket ending in XXXX ). The other charge of XXXX I was told to go through XXXX XXXX. XXXX eventually changed their policy to issue actual refunds rather than just airline credit. On XX/XX/2020 XXXX XXXX sent me a notification that a refund was being issued for a ticket ending in XXXX and that it could take XXXX days. About 2 weeks after that, I emailed and called Citi asking if there was a reason for the delay. To this date I have not been issued that refund. I have continually placed a dispute on this charge which has been responded with too much time having passed and not having a current receipt. This additional charge has caused issues with my credit score, additional lines of credit, and the credit limit for this card being reduced as well. Also, XXXX XXXXXXXX during the pandemic has been added as I have not been able to access this money.
Consumer complaint received 2023-04-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (GA)

My cell phone was stolen in XX/XX/23 and someone did to zelle transfers from my XXXX check oh account 1- {$100.00} 2XXXX {$300.00} To an unknown individual-XXXX XXXX I did not authorize these payments Do not know this person. Did not do any XXXX  transactions to anyone Someone stole my phone at the gym Ive noticed my bank on XX/XX/23 of the fraud XXXX  wont return these funds I filed an incident report with XXXX county police department regarding these charges
Consumer complaint received 2022-12-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (FL)

In XXXX I lost my job due to Covid, in result I had applied for a forbearance on my loan. When the forbearance ended I was unable to do any loan modifications or make any payment. After sending documents and getting put in circles I got approved for a streamline loan modification. When the time came to make the payment I was unable to due to my home being in an active foreclosure again. About a month prior to the payment I payed an escrow payment of XXXX to lower my monthly payment from XXXX to XXXX. I asked the lady when the escrow payment was payed if I need to do anything and she told me I do not. I was informed the reason I was denied when I went to make my payment was due to a hardship letter. My wife and I then applied for a loan modification again, this loan was dragged on and on which then was eventually closed. I sent multiple copies of multiple documents via fax that are never received. While in the process to then apply for the loan again I was told the reason I originally was denied was not a hardship letter was actually an offer letter than I never signed and returned. ( which I never received ) What I did receive was a bill for XXXX dollars due on that day. After a month of calling I finally come to find out that I am denied for the loan modification. This loan modification that I was denied and now have to sell my home and move was approved multiple times in the past.
Consumer complaint received 2022-01-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/XXXX, I placed an order of XXXX pairs of custom printed pajama sets ( top and bottom ) from XXXX. The site said that crafting the item would take 2-5 days. The price was {$130.00}, and I paid using PayPal. 

On XX/XX/XXXX, I had first reached out to the company as the item did not ship. 

On XX/XX/XXXX, I opened a dispute with PayPal On XX/XX/XXXX, I informed PayPal that I had received a package, but it was only XXXX pajama bottoms ( vs. the XXXX top/bottom sets that I had ordered ). Because this was a gift for a party, and the order was wrong, I had to purchase from another merchant. The order was clearly wrong and I asked for a full refund. 

On XX/XX/XXXX, I was informed that my case was closed, with no refund, as " This transaction is ineligible for PayPal Purchase Protection. '' It is my expectation that a payment provide provide Purchase Protection, and PayPal advertises such protection as a feature of the product. It was not made clear what about this specific item did not include the protection, and it was not disclosed to me at the time of purchase that such protection was not available. I believe this omission was deceptive, as I was acting as a reasonable consumer would, and I would not have made this purchase, had I known that PayPal would not offer protection. I believe that PayPal 's practice of advertising protections, but not offering them when a reasonable consumer would expect them, is a deceptive and abusive practice. 

I would like a full refund for this item, and for PayPal to change this practice going forward.
Consumer complaint received 2021-04-14
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TrueAccord Corp. (MD)

Creditor sent an email regarding debt to the incorrect person. All of my personal information is included and my identity has been comprised. This person now has access to my full name, address, phone number and social security number. Including where the debt came from and the account number.
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

One of the cars which I leased was a total loss ( XX/XX/XXXX ), and my insurance company paid the lease holder off in XX/XX/XXXX. The balance due according to my lease holder was {$890.00}, which I received a letter in XX/XX/XXXX, I immediately paid the amount owed ( check # XXXX dated XX/XX/XXXX ) payable to the lease holders ' collection company. So the account was paid-in-full per the lease holder on XX/XX/XXXX that's the date they say they cashed the check. I show they cashed the check and it posted to my account on XX/XX/XXXX. Regardless, the Lease Holder reported an I-09 entry against my credit which means " Outstanding balance due/Collection Charge Off '', I feel this entry is incorrect and severely harms my credit rating as it does not rise above 700 FICO median score because of this inaccurate reporting. I have spoken to the Lease holders ' Loan department over 11 times ( XX/XX/XXXX through XX/XX/XXXX ), and have written their Credit Dispute Team in XXXX XXXX, Iowa twice. The first time ( XX/XX/XXXX ) they responded in 1 week ( XX/XX/XXXX ),  with " that they have reported the credit incident correctly '' and the 2nd time I wrote them ( XX/XX/XXXX ), I still have not gotten a response. This has really gotten out-of-hand I need a resolution with the verbiage as defined, and with this false reporting and the I-09 remarks off my credit reporting record.
Consumer complaint received 2023-04-04
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: FIFTH THIRD FINANCIAL CORPORATION (MS)

On XX/XX/2022 I went to a XXXX  XXXX XXXX in XXXX XXXX XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report. Where is the credit app? Ive tried to resolve this multiple times. everyone seems to think it's funny except XXXX XXXX. 
Since they think it's funny, I would like to seek damages according to : 15 U.S. Code 1681n - Civil liability for willful noncompliance. I want XXXX dollars per willful violation for damages to myself, business and employees. I will submit evidence
Consumer complaint received 2021-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (DC)

i was told my account was being closed on XX/XX/2021 and a check was being mail to my home for the amount that was in the account. i want the tracking number for the check because that it a large amount just to be sending out
Consumer complaint received 2019-10-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2019 my car was declared a total loss by the insurance company of the company that hit my car. The insurance company paid the Since that time, the trucking company that was responsible for totaling my car paid Chase the amount that was requested in there settlement letter {$11000.00}. Chase still requesting additional money from both me and the GAP insurance company. In the meantime they have been reporting me as being delinquent on my credit report for which I had never had a late payment on this car note. This has created a terrible hardship for me because I am still without a car and now my credit is reflecting as poor and I have no real hopes for being able to purchase at a fair interest rate. The Gap company has issued a check to chase for which chase claims not to have and says it won't be enough and they will continue to report negatively on my credit report.
Consumer complaint received 2023-04-05
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)

Dear Sir/Madam, I am writing to dispute fraudulent accounts that have appeared on my credit reports from Transunion, XXXX, and XXXX. The accounts in question are associated with XXXX XXXX and XXXX XXXX, and they were opened without my knowledge or consent. 

1. XXXX XXXX - XX/XX/XXXX - XXXX 2. XXXX XXXX - XX/XX/XXXX - XXXX As a victim of identity theft, I am deeply concerned about the impact that these fraudulent accounts will have on my credit score and my ability to obtain credit in the future. I am writing to request that these accounts be deleted from my credit reports immediately, and that any associated negative marks or comments be removed as well. 

I have taken all necessary steps to protect myself from identity theft, including notifying the Federal Trade Commission. I have also contacted XXXX XXXXXXXX and XXXX XXXX directly to inform them of the fraudulent accounts and request that they be closed. 

I understand that as a consumer, I have certain rights under the Fair Credit Reporting Act ( FCRA ). These rights include the right to dispute inaccurate or fraudulent information on my credit reports, and the right to have that information corrected or removed. 

I urge you to take swift action to remove these fraudulent accounts from my credit reports, and to take steps to prevent similar incidents from occurring in the future. I have attached copies of relevant documentation to support my claim. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX