davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My old landlord, who I stopped renting from in XXXX, claimed I owed them over {$4000.00} in damages. We legally disputed the charges and went to civil court. They failed to show, so the judge ruled in my favor and dismissed the debt. Then, back in XXXX, the amount of the damages appeared as an unresolved debt on my credit score with TransUnion and XXXX. The development company I had rented from sent the debt to collections illegally, as they never attempted to reopen the case in court. I have reported this to both credit agencies several times and sent TransUnion a letter from my lawyer stating that the debt is resolved. The account still shows open on my credit report. Additionally, on XX/XX/XXXX, TransUnion tried to make a {$25.00} payment on said debt without my authorization.
Consumer complaint received 2022-09-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Absolute Resolutions Corp. (NC)

I was checking my credit report and saw that I had an account with Absolute Resolutions for {$590.00}. I was never aware of this matter via phone or mail within 5 days according to the Fair Credit laws. Also this company is not licensed in the state ( NC ) I reside in to collect a debt.
Consumer complaint received 2019-08-10
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. (TN)

Please reverse the late payments reported on the following accounts : XXXX XXXX, XXXX XXXX and XXXX/XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2022-09-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have written several letters to XXXX, Equifax, & XXXX about an account on my credit report " XXXX XXXX ''. Each time the dispute results says the account is verified. I have written letters and contacted XXXX XXXX several times and either I got no response or they could not find any information with my name on it. I finally got a letter from them after many months of disputing this account stating that the account reporting could not be located. How are you conducting your investigations? Are you really doing a true investigation? Where are you getting your information? If the company could never provide me with information and now I finally got a letter that says " account could not be located '' are you really doing an investigation on my account. Now I have questions about other accounts that I have disputed and wondering if you are accurately doing an investigation.
Consumer complaint received 2022-04-01
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Credit Karma (MA)

On XX/XX/2022 Credit Karma deposited {$2600.00} into my card. My federal refund was supposed to be {$2.00}, XXXX. After paying my fees from XXXX XXXX for filing, Credit Karma took out an additional {$210.00}. These fees were not discussed nor disclosed to me. My federal refund was supposed to be in the amount of {$2800.00}, instead {$2600.00} was deposited into my Credit Karma card. I did not authorize any other fees nor were any fees disclosed when I filed my taxes. I have been trying to get in contact with Credit Karma and XXXX XXXX. However, they are blaming each other for the money that was taken out of my federal refund. This is unacceptable and because of Covid, I was expecting all of my refund to pay my back pay of 3 months of mortgage payments. Please help! I would like my {$210.00} back on my card. That is my federal income tax refund. Please feel free to contact me by email and/or by phone at XXXX XXXX XXXX. I am not getting anywhere with Credit Karma or XXXXXXXX XXXX I am asking for your assistance. Credit Karma has also done this to numerous of clients who filed with XXXX XXXX. Please Help!
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-12-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC ()

recieved a letter from transworld systems saying i owed {$110.00}. i decided to pay as our holiday insurance didnt cover the full debt. there was no e-mail or online payment so i had to send a cheque which i sent recorder delivery on that day. 
they recieved the cheque a few weeks later ( posted from the XXXX to usa ). they as yet havent cashed the cheque but i have since recieved a further 6 letters demanding the money that i have already sent. 
i have emailed them ( found this information on their website ) 4 times, written to them a further 2 times but they do not reply to anything ... .i just recieve more threatening letters. 

i have sent the cheque they requested, written to them and sent e-mails but they still keep writing to me demanding i pay.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are on authorize items on my credit report that I did n't pull my credit XXXX hard INQUIRIES THAT ARE AFFECTING MY CREDIT SCORE THE INQUIRIES WAS REMOVED FROM MY XXXX CREDIT REPORT BUT THE INQUIRES FROM YOUR COMPANY IS STILL SHOWING ON MY CREDIT REPORT I SEND AND LETTER AND TRYING DISPUTTING INQUIRES AND GETTING A LAWER THIS IS FRAUD ON MY REPORT AND HURTTING MYSELF AND CHILDREN
Consumer complaint received 2021-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

A collection charge showed up on my credit report that doesn't belong to me. 
I made multiple attempts to resolve and dispute with the collection agency and the credit agencies, but without success. 

The amount is : XXXX Collection agency : XXXX XXXX - phone - XXXX original creditor : XXXX XXXX - utility bill The collection agency confirmed for me that the utility bill had a different mailing address than mine. 

I have been living at an all bill paid facility for the last 9 years and i don't pay electricity nor water. 

i have no knowledge none what so ever about this collection account. Thanks
Consumer complaint received 2018-06-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

Dear, usually my payment due date is about XXXX of the month and its about {$420.00} and my principal and interest is about {$81000.00} for last four years Ive been paying It around XXXX of the month, but now It shows I owe {$82000.00} and I my minimum payment is {$0.00} and due date is XX/XX/XXXX, so I called the US Bank after 20 minuets they can not tell me why not the have clue but theyre telling me we can not get to account But It seems US bank added my payment to my balance and trying to pretend I need to not pay my payment and add more interest going forward I called them three times but Ive been asked to call later I hope is just a technical error but if not imaging how many customer out there that have same problem and Fraudulently charging you more interest by skipping a payment.
Consumer complaint received 2021-02-07
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. (CA)

I tried to pull my credit report and was unable too, I even tried to open a XXXX XXXX to get my report it says that my name and social has been used already and it gave me the name of the persons email that has been using my account for my credit. I will post in the document section below the email address that was used on XXXX XXXX to access my account. I was also unable to get access to my credit reports or Equifax XXXX  an XXXX. I will be sending an identity theft document to the 3major bureaus.
Consumer complaint received 2018-07-26
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. (TX)

I filed several complaints with Experian concerning a XXXX XXXX credit card account that was charged-off in XX/XX/XXXX in the amount of {$1200.00}. XXXX XXXX charged-off the account and submitted the amount that was charged-off to the Internal Revenue Service ( IRS ). I  received a XXXX form in the amount of {$970.00} for the cancelled debt and I filed the XXXX form with my taxes in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX reported the debt as a new debt to all credit reporting agencies. I informed Experian that the debt was not new and I submitted my XXXX form and copies of prior years credit reports that disclosed the debt as not being new and the debt being cancelled. Since XX/XX/XXXX Experian is reporting that I have a new late payment and this is not true. I filed several complaints and I tried filing a complaint again on XX/XX/XXXX, and I was informed that they would not review my complaint anymore concerning the XXXX  XXXX account. There debt reporting practices are unfair and do not adhere to the federal laws that are in effect.
Consumer complaint received 2022-11-17
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. (MS)

YOU ARE BREAKING THE LAW!! It is illegal to furnish income on a consumer report! A charge-off, according to the IRS is defined as gross or ordinary income and income is not supposed to report on my consumer report! You HAVE NOT sent me a 1099C! 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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.I demand you remove the following information from my consumer reports immediately ; XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$1100.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$27000.00}, XXXX opened XX/XX/XXXX for {$11000.00}
Consumer complaint received 2022-04-27
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. (AL)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX account XXXX XXXX XXXX, account XXXXXXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX XXXX, account XXXX XXXX XXXXXXXX XXXX account XXXXXXXX XXXX XXXX XXXXXXXX XXXX, account XXXX XXXX XXXXXXXX XXXX XXXX, account XXXX XXXXXXXX XXXX XXXXXXXX, account 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-27
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. (GA)

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # 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 2024-03-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

BACKGROUND : We purchase XXXX XXXX cards for our monthly dancers to use to buy dance classes and workshops at all the XXXX XXXX XXXX. Our dancers are international and it's easier for them to use a US-based card ( some don't take their card or they incur tons of fees ). US Bank issues our cards since it's my business bank. 

We put our cards in each dance studio 's app so we can buy classes, workshops, pop ups, etc. 

PROBLEM : We can't use our cards more than once at any dance studio all of a sudden. After one use now we can't use the card. It's declined. Our dancers miss out on master classes because the card doesn't work. This is HORRIBLE for my XXXX XXXX XXXX. I've had to buy the dancers their master classes/workshops so they don't miss out and have a negative opinion of my perfect record business. This is an addition almost double expense to my business because of this problem with the US Bank reward cards. 

US BANK : They say we are using it for reoccurring bills. They're dance classes, workshops, etc. at the same studio. They're not XXXX or XXXX reoccurring bills. Our dancers need the flexibility to keep their card in the dance studios ' apps to quickly purchase these classes at whatever studio they want before the classes sell out. Nothing is stated on their site and it clearly states - cards can be used anywhere XXXX  is accepted. I've asked them to provide where on their site it is CLEARLY and BOLDLY written. They refuse. Their site says ANYWHERE XXXX  IS ACCEPTED. That's a lie. They have a corporate rewards card number no one answers. You leave a message and hope someone calls you back. If one does after leaving XXXX messages, you can't call them back. Their customer service line is a waste of your time. They don't understand the issue and just don't care. US Bank needs new customer service reps who can grasp simple problems but are too cheap to hire decent reps.

The ONE rep that tried to help via email couldn't. Please see attached email thread.
Consumer complaint received 2021-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (SC)

On XX/XX/2021 around or between XXXX XXXX I attempted to withdraw {$500.00} off of my PayPal account at XXXX XXXX After multiple attempts I repeatedly got denied on withdrawing funds. I contacted PayPal at least 5 times. The first time they put me on hold for 1 hour and 51 minutes and never returned. Unfortunately, I kept trying to get through and became very aggravated when no one would take my call. I finally spoke to 3 different supervisors who then told me it was their choice and their decision to end my account and they were going to keep all of my money for 180 days ... 6 months! I proceeded to tell them how in the world can they just close my account with no explanation of what I did wrong. One supervisor said they can do whatever they please in which I became very furious and told them I had kids and in really need access to my money. After 30 minutes of talking to them and explaining I was hung up on and now my number is on a do not answer list apparently! In my available balance I have {$1000.00} and my money that they have on hold I have {$740.00}. They said I needed to verify my information which I did! Still nothing. Then they said they would make a decision in 3 days. They made a decision in 18 minutes! No warning or anything!
Consumer complaint received 2021-02-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

Started forbearance process with Chase Home mortgage assistance due to COVID XX/XX/2020. Sent documents in 5 times over 2 different medias, as requested by Chase. Today representative informs me again. Documents are not received. Further documents can not be sent via online portal offered by Chase. Rep states Chase is aware of portal not working? Although systems appears to accept loaded documents, this is fraudulent information. So now with no car I have been asked to go 2 miles away and visit Chase office to get docs faxed in. Even though last time they were faxed from Chase XXXX XXXX office 4 weeks ago, Chase home mortgage didn't receive fax from their own bank branch?!
Consumer complaint received 2020-06-04
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: Experian Information Solutions Inc. (PA)

I am filing this complaint against Experian because they have failed to comply with the Fair Credit Reporting Act XXXX FCRA ) by using multiple stall tactics and using computer-generated responses to my dispute letters. They have failed to provide documentary evidence to verify the disputed accounts. On XX/XX/XXXX I pulled my Experian credit report. I noticed several accounts were reporting inaccurately and I knew the specific accounts reporting were not mine. After trying to update my personal information, I disputed six ( 6 ) inaccurate accounts which were XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX  with Experian via U.S. certified mail on XX/XX/XXXX. XXXX attached. Experian deleted accounts XXXX XXXX XXXX, XXXX XXXX, and XXXX as a result of the dispute investigation. Experian claimed to have verified the XXXX   XXXX XXXX XXXX and XXXX accounts. On XX/XX/XXXX, I pulled my Experian credit report again and discovered that the XXXX XXXX XXXX was now reporting an account number which only consist of XXXX digits when it was reporting an XXXX digit account number in XXXX. XXXX attached. I also discovered that the XXXX  account number was completely changed as well. So, on XX/XX/XXXX, I certified mailed another dispute letter to Experian disputing the new inaccurate XXXX XXXX XXXX account number along with disputing the inaccurate XXXX XXXX and XXXX accounts. See attached. Experian sent my dispute results dated XX/XX/XXXX which I received in XX/XX/XXXX stating to have updated each disputed account. See attached. XXXX is now reporting an 16 digit account number again, XXXX is still reporting the completely different account number without being verified, XXXX is reporting different and XXXX  still the same. However, nothing in the results showed evidence of anything new being updated on the report. I do not have any contracts for any of the disputed inaccurate accounts and know that they can not be verified. If the inaccurate items including XXXX XXXX XXXX, XXXX, XXXX and XXXX are not properly re-investigated and verified by documentation with my wet ink signature on it then Experian has no choice but to delete it from my credit report. Due to Experian failure to properly investigate my dispute and delete the disputed accounts, it's causing unverifiable derogatory statuses to reflect on my credit report which is having a negative effect on my credit report score and will be injurious to me in the very near future.
Consumer complaint received 2020-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MO)

XX/XX/2020 - Citibank billed my account a XXXX Annual Fee. 

XX/XX/2020 - Called Citibank to cancel card, if cancelled on this date would have received full refund of annual fee. When I called, I was told by Citi representative that if I did not cancel I would receive a one time  XXXX USD credit to my account on the XXXX or XXXX billing statement. 

XX/XX/XXXX XXXX Called Citibank to inquire about not receiving credit. This agent told me that previous agent was wrong, that I would not get the credit until the following year. I then asked to close the account and get full refund of annual fee. He said no. I then asked to close the account and prorate the annual fee. He said no. I then said I would like to dispute the annual fee to get a Supervisor to review case. He said no. I then asked for contact to escalate the problem. He was not helpful. He would not transfer me to a Supervisor to get additional information. 

XX/XX/XXXX XXXX Researched Citi contacts. Filed dispute via email with Citibank office of XXXX XXXX, Citi Global customer solutions office. No response as of XXXX XX/XX/2020. 

XX/XX/XXXX XXXX Filled out an online customer satisfaction survey that was emailed to me by Citibank . 

XX/XX/XXXX XXXX Received a generic email from Citibank I assume as a result of the survey sent out on XX/XX/XXXX. As of XXXX no response. 

I would like my account credited XXXX USD ( half of the annual fee ) as I was promised by the first Citibank Rep to keep my account open. 

Thank you XXXX XXXX
Consumer complaint received 2022-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I reached out to Capital one via telephone call and spoke to a representative to inform the company that i was out of work due to being in the hospital with XXXX XXXX and if they could work with me on my monthly payments until i resume working. 

During that time I was experiencing hardships with making my monthly payments as scheduled with capital one i tried my best to keep up with my payments. but i was unable to being that i was out of out for two consecutive months XXXX and XXXX. 

I have always made my payments even when capital one had my account restricted i have faithfully continued my payments since having my account with them.