davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: NEW YORK COMMUNITY BANCORP INC (OR)

We initiated a bank transfer on XX/XX/24 from our savings account with Flagstar to another checking account so we could write a check for the down payment of a car. We received an email on XX/XX/24 saying the transfer failed. We called and they told us it was because they required XXXX step verification via phone and we did not answer their call. However, we never rec 'd a phone call. We continued to ask for our money, and they changed the story and said that we had a daily limit to transfer only {$2000.00} per day. We asked to see this in writing, and they were not able to provide this. We spoke with another person who said there actually was no limit on the transfer and that they would try the transfer again. The transfer failed a second time. We called and they took the majority of XXXX business day to even get back to us ; at which point we said we just wanted to close our account and move our money to our other bank. They told us they could not do that. They said they had to open a case with a " digital escalation team '' and refused to provide a direct contact number or contact for a manager. They refused to let us close our account or give us our money. As a result of this issue, our check for our down payment for our new car is going to bounce, our credit scores will be impacted, and we will be immediately sent to collections and/or our new car repossessed. We will not have transportation to safely transport our XXXX XXXX XXXX son to daycare so we can work. Our other bank accounts will be impacted when they are overdrawn with the bounced check. We will be greatly impacted by Flagstar Bank refusing to give us our money and let us close our account with them.
Consumer complaint received 2022-03-31
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)

TransUnion needs to fix the issues about the inaccurate information for the Late Open account reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the account since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here is the account that I am disputing : Late Open : XXXX  XXXX XXXX Balance : {$2400.00}
Consumer complaint received 2017-11-06
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

I have disputed this account many times every time it 's about the late payments reporting. After many attempts to get this fix I hade a due date change which took months for this company to figure it out. After speaking with multiple supervisors they finally agreed to remove the late derogatory marks off my credit report due to the fact that it was not my fault that it took there company so long to make the change for the account. Also I do have proof that they agreed to remove the derogatory marks off my credit. This is the only negative account that I have on my reports and this is hendering me from purchasing a home. WellsFargo need to do better by there customers. My account has been current and on time since they did the change.
Consumer complaint received 2022-11-17
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. (SC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

since XXXX XXXX XXXXXXXX I have been having problems with online banks running my credit, while reviewing my current report it seems like the issue origionated with trans union and I have XXXX years experiance reading credit. I notified them and the patched my call over to XXXX XXXX  whom is a credit repair company. Per secition 609 of fcra there required to update and fix my information which has been sent 3 times since XX/XX/XXXX yet they are not removing it. Seems like this all stemed from putting a freeze on my report from XX/XX/XXXX to XX/XX/XXXX once the 90 day freeze lifted I got wacked with XXXX hard pulls and XXXX pages of promos which it appers like trans union sold my info to begin with then refer me to credit repair,,, Can you say criminal conspiracy rememeber I have XXXX years experience reading credit. I dont apply online for anything or even pay bills online do to lax security its hurting my credit report an easy XXXX points
Consumer complaint received 2024-01-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NJ)

XXXX of XXXX my hot water heater had broke and I requested a work order to repair or replace the hot water heater. After XXXX weeks of submitting multiple work orders and calling the leasing office, they finally had a third party contractor come to replace the hot water heater. While replacing the hot water heater, they caused a flood in the apartment which had flooded the second bedroom and had spread into the living room. We had to provide our own box fan to help dry out the flooding and no immediate action was taken to remedy the flooding by XXXX XXXX XXXX staff. XXXX weeks later they decided to rip out the carpet in the XXXX bedroom and the vinyl flooring from the living room to see if it would dry out. Floor was not drying out due to it being the middle of XXXX at this point so they decided to spray a bleach solution on the exposed flooring to stop any spread of mold. Apartment smelled like bleach for a solid XXXX weeks after the fact. Since I had renters insurance through XXXX XXXX XXXX I reached out to them in order to make a claim. XXXX XXXX XXXX sent me a form to fill out for the insurance and I sent it back to them and received no follow up on the claim. Now being XXXX of XXXX, we still had exposed flooring and mold present on the bare flooring. After attempting to communicate with the XXXX XXXX XXXX and management staff multiple times, there was not a resolution in sight to get our flooring cleaned and fixed. Due to being an unhealthy and safe environment my roommate and I submitted a 30 day notice to vacate the apartment complex. Once we submitted the notice, we started to get harassed by the leasing office saying we cant break our lease early and that we now owe them {$4200.00} and whatever interest and late fees we would incur since we were leaving early but still REFUSED to fix the apartment. I presented them with the Idaho renters code and the section of the lease saying we can vacate due to an unsafe and unhealthy environment were the leasing manager told me in person they would take care of the costs and we would not have to worry about it and we would received our security deposit of {$450.00} back. So I figured there would be no legal or financial issues since in my head it was deemed " resolved '' but when I went to apply for a mortgage on XX/XX/XXXX to purchase a home in my home town of XXXX, 2 days after having a mortgage inquiry on my credit report, XXXX XXXX sent the {$4200.00} balance to collections with the company Columbia Debt Recovery LLC DBA Genesis and has no incurred interest making the new balance of {$4300.00}. I have not had contact with XXXX XXXX since we had submitted our 30 day notice to vacate early and we never given any information on receiving our deposit back and now have a huge collection on my credit report by a predatory collection agency. While writing this complaint I have now conveniently received an email from the collection agency.
Consumer complaint received 2017-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC (TX)

I 'm currently in the XXXX XXXX and during the last 2 years, I was mobilized twice. My auto-payments were going on-time, but due to a technical glitch, my bank sent me a letter to physically contact the recipient and send the payment, but I was on XXXX and never got the letter. Though I had the money and gave it when I returned, they reported a 30 and 60 day late payment. After talking with a representative of the XXXX, I was told I could have those two late payments removed, as per the law, but I have not been able to do so. I was overseas. Now I 'm unable to get a Home Equity loan or refinance my home. Please help.
Consumer complaint received 2017-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

On XX/XX/XXXX, I checked my credit file via XXXX XXXX and noticed a new collection account with Midwest Recovery Systems, XXXX with XXXX XXXX in the amount of {$150.00}. I immediately contacted XXXX XXXX XXXX XXXX regarding this debt. Speaking with a representative, I inquired about this debt only reported with XXXX ( XXXX XXXX recent breach caused major concern ). The representative stated that this debt opened in XXXX of XXXX with XXXX XXXX and went delinquent in XX/XX/XXXX. I explained to the rep that I had n't had a XXXX XXXX account in many years and that I never initiated a loan with XXXX for an amount of {$150.00}. 

Furthermore, I explained to the rep that the recent breach with XXXX, led me to believe that this was a case of identity fraud or something of the like. I went on to explain that should I had owed XXXX, I would have received mail correspondence and phone calls regarding the matter ; I have never received a dunning letter involving this alleged debt, and that I have lived at the same address since XXXX of XXXX. The rep stated I needed to file a police report, I explained that by law, both the FCRA and FDCPA requires both the credit bureaus and collection agencies to forward a dunning letter and the original contract information with signatures validating any debt owed BEFORE a file is placed in a consumers credit file. The rep explained that they do not send dunning letters until AFTER they have spoken with a debtor. My response was that they were in violation of the FCRA and the FDCPA as that is not what the law mandates.
Consumer complaint received 2017-10-05
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. (FL)

I have sent 2 letters to Experian asking for the following accounts to be removed from my credit report. These companies : XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ( which I believe was removed and then placed back on my report ) have not validated that the debt is indeed mine. I have not received any correspondence from them with my signature or identifying me as the person whom created the debt. With all of these data breaches I must be extra careful. Also, I asked for the public records to be removed from my credit report. The courts have said they do not report to the credit bureaus and I was under the impression credit reporting companies as of XXXX 2017 are no longer able to report info from a 3rd party vendor and there had to be certain stipulations. Like having my name, social, DOB, and address. I would greatly appreciate any help you could provide in resolving this issue. Thank you.
Consumer complaint received 2019-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (DC)

Card issuer not crediting funds provided by the merchant. 

Credit issued by XXXX XXXX for {$14.00}. 

It was never placed on customer card.
Consumer complaint received 2018-03-18
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: EQUIFAX, INC. (IL)

Sense XX/XX/2017 I'd been sending inquiry dispute against to all three credit bureaus with no luck. I have a fraud alert on all my reports I ask all three to send me proof that I applied for credit that had my signature. They didn't provide me proof of it and still i send in dispute letter to have them removed with no luck. All three credit bureaus today still not given my proof that are valid and they still refused to remove them off my report.
Consumer complaint received 2017-11-06
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. (MI)

I wrote Transunion a letter in XXXX XXXX asking them to prove the inquires I have on my credit report. I did NOT authorize these inquires and there is n't any verbal or written signature anywhere to confirm these. I asked them for proof of authorization and never heard a response back from them. I wrote them a second request XXXX and still have not received any letter or documentation back. If these can not be verified then these inquiries need to be removed now please.
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (VA)

This complaint is against XXXX XXXX XXXX  XXXX XXXX and its XXXX XXXX XXXX. I have mailed three letters concerning this matter to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX ; and one letter concerning this matter to XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX SD XXXX XXXX I have received no satisfactory reply from them. 
This situation arose in early XX/XX/2021, I think. The reason that I am not sure of the date is that I never received an invoice for the purchase. When I bought the tires the salesman at XXXX told me that if I took out this XXXX credit card I would receive {$50.00} and there would be no payment due and no interest charges for one year. That may seem like an unlikely offer, but considering how low interest rates were, it was believable that they would make such an offer to get me to take out this credit card. I should not have accepted this offer, because it turned out to be a misrepresentation on the part of the salesman. At the time, after getting the tires on my car, the salesman told me the computer was down, and they would mail me the invoice. The salesman may have lied about this. I never received an invoice or notice of the amount that was charged for the tires. It turned out that they did not have this information either. In a letter to me they asked me for the invoice which I did not have. I mailed Check number XXXX, dated XX/XX/XXXX, to them for {$850.00} which was supposedly for the tires, but I think this amount was inflated buy at least {$51.00}. After that I kept getting billed for interest which, I do not believe I owed. 
I mailed Check Number XXXX, dated XX/XX/XXXX, for {$29.00} interest, and Check Number XXXX, dated XX/XX/XXXX, to them for {$58.00} for interest and fees. Each letter I told them that I did not believe that I owed them money, and asked to have the fees and interest, and the credit card cancelled. All I got in return was more bills and charges. In reply to my letter to them in which I sent them Check number XXXX for {$29.00}, I received a bill for a fee of {$40.00}. In all I have paid {$87.00} in fees and interest. 
I believe that I have been over charged for the tires and should not have had to pay interest or a fee. Where is the invoice for the amount they charged me for the tires? They should refund me for the fees and interest ( {$87.00} ) and the excess that they charged me for the tires ( at least {$51.00} ). Where is the invoice?
Consumer complaint received 2019-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (OH)

There was an amount of XXXX from Wells Fargo that was previously reported as delinquent. I straightened the matter out with Wells Fargo. It was corrected with XXXX, but XXXX erroneously reports late payments on this Wells Fargo account # XXXX. These payments were accurately reported as on time to XXXX   and now XXXX needs to be corrected. This has resulted in a very low credit score with XXXX ( XXXX ) and adversely impacted my ability to secure loans for my family. Please help correct this. When I called XXXX, the were unable to help me.
Consumer complaint received 2017-11-06
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. (GA)

The XXXX XXXXXXXX tax lien is incorrect. 

I have attached a screenshot from XXXX XXXX XXXX XXXXXXXX that states I do not have an outstanding lien. 

I have sent several letter to TransUnion, XXXX XXXX XXXX Credit Bureaus. Stating that this XXXX XXXX is incorrect. 



TransUnion XXXX XXXX
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2017-10-05
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Integrated Recovery Services (TX)

They called my sister and brothers cell phones, then called my parents house. I returned the call to see what it was about, I then told them I was signed up through XXXX XXXX XXXX and this debt was with them and I have been making monthly payments. XXXX then began irate and told me she would contact the sheriff and tell everyone in town about my debt. I then asked her not to call anyone else in my family. I also told her I had signed up with a debt consolidation company and offered their number for her to contact them, that is what they asked I do with creditors. she refused to take the number and told me I need to learn how to pay my bills. well today, she called my old employer and told the administrator that I had debt owed and she needed to have my wages garnished, my old employer sent me a text and gave me the phone number, I called XXXX and told her again I was with the Debt program, and she called me a liar, and again I asked for a fax number to send proof and asked her not to call my old employer again, she said I have a court date for XX/XX/XXXX, which is tomorrow, and I know nothing about that and told her that, she said we are coming to your job tomorrow. the number they are calling from is XXXX XXXX XXXX please help me with this situation. it is my fault my debt got the way it did, however, I am paying a company to help me get it all settled.
Consumer complaint received 2017-11-06
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: AMERICAN EXPRESS COMPANY (MN)

This is regarding the Premium Car Rental Protection offered by American Express as an optional benefit for their cards. The dispute is with regards to incorrectly applying the charge for the premium for this benefit to a credit card which I had signed up for recently BUT HAD NOT enrolled for the Premium Car Rental Protection. Following are the details. 

I completed a car rental at XXXX on XXXX XXXX, XXXX and on XXXX XXXX, I saw a charge in my credit card account for {$24.00} from Amex for Premium Car Rental Protection. I did not recognize that charge as I had not signed up for this car rental protection and immediately filed a dispute for the charge Amex Dispute Reference Number : XXXX. On XXXX XXXX, I received a letter from Amex about the dispute resolution and in the letter it stated that the charge is valid since I had signed up my card account for the Premium Car Rental Protection service in XXXX XXXX and hence the charge will stay. I agree that I had signed up for this benefit in XXXX for the other American Express credit cards that I had. However, the credit card in question, I applied for this card in XXXX XXXX and had not consented to be enrolled in the Premium Car Rental Protection. Being a new card account, there was no reason for me to suspect that American Express would enroll my card in this benefit without specifically asking for my consent or even informing me about it. However, they did and then when I used the card for the car rental, they charged me for the benefit. This does not seem fair and I feel American Express is using my consent from XXXX ( which I had given for other card accounts ) incorrectly and applying it to a new account incorrectly. On top of that, they are unwilling to make it right and even after 2 disputes filed, multiple phone calls with AmEx representatives and the Premium Car Rental Protection department, they refuse to make it right. This practice by  American Express to enroll the customer 's accounts for a charged benefit unbeknownst to the customer is very deceptive and shady.
Consumer complaint received 2017-11-21
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. (IL)

I purchased two tickets with XXXX last XXXX to fly on XXXX XXXX but last XXXX I got an email from XXXX telling me that they filed for Bankruptcy so my flight was cancelled and because I purchased before XXXX I wo n't get the money back. So I contacted Citibank to dispute the charges and they removed the charges momentarily but last week Citibank put the charges back even after I sent all the information and letters sent by XXXX and XXXX.
Consumer complaint received 2021-10-05
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. (SC)

I have incorrect information reporting on my credit file, that is unacceptable because I'm getting denials based on their inaccurate reporting.