davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-16
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. (MA)

Tried calling got no where. When I tried to then dispute the transaction online it doesnt allow for a dispute online you have to call which as I said got no where. 

I am writing to have this company put in a dispute for a transaction on XX/XX/22 for XXXXXXXX XXXX 

The company states they are out of New York they are out of XXXX and they dont tell you that - its 15 days they havent even shipped it they only supposedly printed a label but they know i was contacting citi because when I think Ill get something from the us and then I find out after purchase that its really XXXX or some other country/ I dont deal with the deception.. I want my money back since they have not sent it out.
Consumer complaint received 2022-02-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (NY)

I deposited a check for {$20000.00} on XXXX I was told that there is a hold and funds will be available on XX/XX/XXXX I checked my account online and it showed the hold is off my deposit and funds are available. I went to my local key bank went to the teller asked to withdrawal {$15000.00} she asked me to put my card in machine I entered my pin and waited she advised me she need to ask for assistance. A man came over and directed me to a different window ( I asked sever times is there a problem? ) he said he needed a manager so the manager came over and said Im sorry we cant give you any money today?! I asked why and she said that she just cant give me any. I said the check has sat in the account to go thru the process to assure the funds were there. The paper they gave me said the money would be all available on XX/XX/XXXX so I expressed my concern as to why I can have any of my money she then proceeded to tell me that well the check is still in the hold process even though online it showed cleared no holds. I kept asking for a reason as to why I could not have any of my money and I was told that they are very busy and I need to leave.. when I got home I called the 1 800 number customer service and advised them what was happening the man said that without a doubt then funds had cleared and that he isnt sure why I was denied my withdrawal? He also called the bank and the told him that I was denied my withdrawal because the were suspicious of me? I am 100 % confidant I was discriminated against and profiled. I have all the proper identification.
Consumer complaint received 2023-08-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (CA)

American Express put a negative mark on my experian credit report for a debt of XXXX that I have no knowledge of and has damaged my credit for no reason Ive never done no dealings or buisness with them and I want it removed immediately!! They have nothing to prove thats my debt and this is illegal!!!!!
Consumer complaint received 2021-06-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This letter is my LAST request for you to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

The following accounts remain unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus that you report to : National Credit Systems Account # XXXX Furthermore, I believe I may have received telephone communication from your company even after I specifically requested to not be contacted by phone. As you know, this constitutes a violation of the FDCPA. I will be closely reviewing every call I've received from unknown numbers, but I am nearly certain these calls came from your company. 

According to the FTC, consumers can sue a collector in a state or federal court within one year of the date the FDCPA was violated. Consumers can sue for damages, like lost wages and medical bills. Even if a consumer can't actually prove damages, they can still be awarded up to {XXXX} plus reimbursement for attorney 's fees and court costs. A group of people suing as part of a class action lawsuit can even recover money for damages up to {XXXX, or one percent of the collectors net worth, whichever amount is lower. 

Best Regards, XXXX XXXX XXXX CC : Regular US Mail
Consumer complaint received 2018-06-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Protection Association, L.P. (CA)

I received a phone call yesterday ( XX/XX/XXXX ) at XXXX XXXX. 

The caller said that I owed XXXX XXXX {$35.00} and that a collection agency had been contacted. 

I knew that I owed nothing but called XXXX XXXX and verified that. 

Today, I received a postcard purporting the same thing. I tried calling them but it is automated only. I tried a second time, entering the " reference number '' and was transfrered to a recording saying they were closed today and then disconnected.
Consumer complaint received 2018-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

When calling Equifax, i originally was calling to dispute a collections. I then found out they dont have a file under my SSN. I then found out my XXXX XXXX XXXX/XXXX isnt reporting to them and my XXXX credit card is not reporting to them. They refuse to help me until i send them my drivers license and SSN card but i do not feel safe sending my SSN card and im worried Equifax has seriously messed up my report.
Consumer complaint received 2018-08-21
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. (CA)

As of a result of a XXXX settlement between 31 state attorneys general and Experian, XXXX, and XXXX, who together created the National Consumer Assistance Plan. The plan which went into effect in the second half of XXXX was designed to limit credit reporting errors that negatively impact scores. The settlements prompted the credit-reporting companies to take away some non-loan associated gadgets that have been despatched to collections companies. The companies additionally agreed to take away medical-debt collections which were paid by a affected persons insurance coverage. 

I have requested for both XXXX and Experian to enforce this settlement, as it relates to my reporting of Non-Loan, ( specifically XXXX XXXX ) and the one medical dept listed ( XXXX XXXX ), as it was paid by my insurance at the time, however they decided to Balance Bill the difference, which is illegal. - I am again requesting both XXXX and Experian enforce this settlement and remove these 2 items.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX Balance : {$5100.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} These Accounts and Inquiries reporting on my personal credit file with ( XXXX/TransUnion ) credit reporting agency. These Accounts and Inquiries were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Consumer complaint received 2021-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This letter is my LAST request for you to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

The following accounts remain unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus that you report to : VANCE AND HUFFMAN LLC Furthermore, I believe I may have received telephone communication from your company even after I specifically requested to not be contacted by phone. As you know, this constitutes a violation of the FDCPA. I will be closely reviewing every call I've received from unknown numbers, but I am nearly certain these calls came from your company. 

According to the FTC, consumers can sue a collector in a state or federal court within one year of the date the FDCPA was violated. Consumers can sue for damages, like lost wages and medical bills. Even if a consumer can't actually prove damages, they can still be awarded up to {XXXX} plus reimbursement for attorney 's fees and court costs. A group of people suing as part of a class action lawsuit can even recover money for damages up to {XXXX}, or one percent of the collectors net worth, whichever amount is lower. 

Best Regards, XXXX XXXX XXXX
Consumer complaint received 2021-04-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (IN)

I entered to AGREEMENT XX/XX/XXXX. 3 month long. High interest trying to get money to bury my sister. They changed the lone from a 90 long to a 68 day lone and charged me interest ... I wrote them a long email and explained that I didn't agree to those terms. They put the money back in my account. Lost check returns etc ... got my stimulus money and after less then 30 days. They're charging me late fees for them illegally taking money out my account and tell me that I gave them permission to when I have documentation that I didn't. I've asked them time and time to send me documentation that I did and they say its online ... and yet they charged me nearly XXXX for a 90 day loan that at the most should have been XXXX plus the XXXX ... how's its XXXX for 20 days. On a 90 day loan I'm clueless how they came up with that
Consumer complaint received 2015-04-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AE)

This complaint concerns XXXX XXXX XXXX Trans-Union credit bureau 's limitation of customer access to telephone calls ; and XXXX XXXX XXXX billing I did not authorize. 

There is no e-mail capability, secure or otherwise, or mailing address for letters. 

Although Trans-Union offers XXXX or XXXX toll-free telephone numbers, I am overseas and when dialed from here XXXX toll-free numbers are not free, but are billed at international commercial rates. 

When I opened a Trans-Union account on XXXX XXXX 2015 to obtain a copy of my credit report, engage a credit lock an establish credit monitoring, I was obliged to telephone Trans-Union at considerable expense to me to overcome password problems and activate the account. Given my overseas location I requested a collect-call telephone number, but was told in knee-jerk fashion to use the toll-free numbers. 

When I asked for an e-mail address I was told none is available. 

When I asked for a mailing address I was told again to use the toll-free numbers -- I found that failure to pay attention appalling and the demonstrated overall mindless inflexibility inexcusable. 

The restricted access is now an acute problem. That 's because I found that on XXXX XXXX 2015 Trans-Union charged my credit card {$17.00} for a product called " transition from TU alerts to XXXX alerts. '' I have no memory or record of authorizing purchase of " transition from TU alerts to XXXX alerts. '' I should be able to contact Trans-Union at no expense to me, just as U.S.-based customers do, to discuss and hopefully resolve the questionable charge. 

I would appreciate any assistance you can give me.
Consumer complaint received 2022-02-04
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. (UT)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-02-23
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. (GA)

I am writing this letter to formally seek proper guidance and assistance to secure that the information reporting on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there are accounts that are misleading and incomplete. Therefore request that you investigate these accounts listed below. 

XXXX XXXX XXXXXXXX Balance : {$440.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX  XXXX Balance : {$35000.00}
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TN)

On or around XX/XX/XXXX I was aaproved for a Citi Diamond Preffered card online. The approval came back on my screen as a XXXX dollar credit limit. 
The following statement came up on the screen Congratulations, you have been approved for a Citi Diamond Preffered card with a XXXX credit limit. Your card is active immediately with 10 % of your total credit limt available for the first 10 days. After 7-10 days your card shuold arrive in the mail. 

My card has arrived and I have reached out cusotmer service, the escalation department and the approval department. No one can say anything but its XXXX and they are extremely rude thinking they have answered my isssue. 

They either are fraudently telling people one thing and then decreasing limits after or they are incompetent in getting me to the corect department with the answer.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

MY OLDEST ACCOUNT IS NOT BEING REPORTED. 
MY OLDEST ACCOUNT IS ( XXXX XXXX/XXXX ) FROM XX/XX/2015 credit agency is reporting the wrong information. My oldest acount is ( XXXX XXXX/XXXX ) it is over 3 years old.
Consumer complaint received 2022-10-07
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This letter is my LAST request for you to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

The following accounts remain unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus that you report to : NCB MANAGEMENT SERVICES, INC Furthermore, I believe I may have received telephone communication from your company even after I specifically requested to not be contacted by phone. As you know, this constitutes a violation of the FDCPA. I will be closely reviewing every call I've received from unknown numbers, but I am nearly certain these calls came from your company. 

According to the FTC, consumers can sue a collector in a state or federal court within one year of the date the FDCPA was violated. Consumers can sue for damages, like lost wages and medical bills. Even if a consumer can't actually prove damages, they can still be awarded up to {XXXX} plus reimbursement for attorney 's fees and court costs. A group of people suing as part of a class action lawsuit can even recover money for damages up to {XXXX}, or one percent of the collectors net worth, whichever amount is lower. 

Best Regards, XXXX XXXX XXXX
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WY)

Attempting to file a complaint with Experian once again regarding a XXXX credit card they keep reporting a late payment on. The credit card has been in charge off status - it is past the legal time line for the company to attempt to collect what is owed, and that has been cleared up with XXXX. You have those documents between me & XXXX regarding them not coming after me for the debt. However, Experian is the only credit reporting agency that keeps reporting it as a late payment. XXXX  has taken it off my report since they are no longer coming after me for the debt. XXXX doesnt even keep showing late payment. Its time for Experian to quit reporting it as a late payment making my credit report suffer. They need to go back ever since they investigated this last year and remove any reported late payments and quit labeling any others as late payments since they are not. Experian refuses to accept another complaint on this card because, It has already investigated once, and they are not obligated to investigate again. I dont need them to investigate the credit card company, just their own credit reporting actions and the negative impact it has on the consumer when in fact their is no late payment and the account has been charged off.
Consumer complaint received 2022-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

There is a collection account on TransUnion with my name, in which is being reported inaccurate let alone no inquiry to support its a legitimate account of mine. Account has no inquiry to support the account. Due to error and inaccurate account TransUnion has failed to provide information of proof account belongs to me. TransUnion has no document or contract to verify the account. Ive reached out on numerous occasion by phone to TransUnion and they have transferred me to different departments in which there staff has not been pleasant to resolve the matter.
Consumer complaint received 2022-02-04
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. (UT)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.