davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-31
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: T.S. Holdings (AZ)

Moved out of XXXX XXXX XXXX  ( XXXX XXXX XXXX ) after giving my 60-day notice. Upon turning in the keys, I requested to be present for walk-through. No notice was ever given of when this would be. 2 weeks after moving out, I receive a collection agency letter stating I owed approximately {$140.00} and that they hoped I had enjoyed my stay at XXXX XXXX and that I had received notice from the apartments about my past due amount. I NEVER received a move out walk-thru notice from the apartments!!!! And keep in mind this is only 2 weeks after I moved out!! So where would be the time to pay them even if I HAD received a bill from them? They had already sent it to collections! I paid a visit to the office after receiving the collection agency notice and XXXX, the receptionist, went in the back, spoke with someone there, said I only owed them about {$96.00}. I requested this in writing and she said the manager would call me the next day. That never happened. 

I don't feel I owe them any money since I never got the walk-thru I requested and I never signed the walk-thru. I was given 3 different amounts of what I supposedly owed and after contacting the management company, who referred me to the regional manager, I was sent an email with a detailed list of move out fees I supposedly owed and it is close to {$500.00} this time! She said in the email that now I would have to deal with the collection agency since it had already been turned over to them. OMG, I  have never been treated this XXXX by an apartment complex in my life! I wouldn't have believed it if it hadn't happened to me!!! 

I would appreciate any and all help with this matter. In my opinion, consumers should get to dispute these collection agency letters BEFORE they are sent to the credit companies. It's not fair that I have a negative item on my credit report for something I don't owe. XXXX  only upped the amount on the report, didn't even bother to investigate this. 
Thank you.
Consumer complaint received 2017-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XXXX XXXX, XXXX my checking account was charged a {$12.00} monthly maintenance fee, something I have never been charged for years. I immediately tried calling Bank of America by phone but the wait time was over 30 minutes on three attempts so I went directly to the nearest Bank of America in XXXX, MD. I met with the manager and the banking assistant and I had requested that the {$12.00} maintenance fees charged against my account be returned immediately as I believe was fraudulently charged against my account and once it is returned to close my account. The bank closed my account without returning the {$12.00} maintenance fees and the manager stated he can not return the maintenance fees charged because I received a {$70.00} overdraft credit back in XXXX XXXX which I believe that credit should not have had any affects on my account in the future and this does not justify their reasons to start charging my account a XXXX XXXX monthly maintenance fees. In addition, I made it clear to not close my account without returning the {$12.00} first but she did it any way. I should have received a total of {$12.00} refunded back to me but did not receive anything in return when the bank closed my account. Charging these high maintenance fees I truly believe is a violation of the banking laws to not notify the customers upfront that these fees will take place prior to applying them and withdrawing fees from my account.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was trying to get my free TransUnion Credit Report, and due to the deceptive nature of the TransUnion website ended up subscribing to their monthly Credit Reporting service. 

Here are a list of things that make this especially deceptive : - Only text that mentions a subscription or price is very small on the homepage, and looks like typical legal copy. 
- Call to Action button on the homepage reads " Yes, Show Me My Score '', which does not hint at a subscription service, or even a purchase. 
- There is no confirmation page which breaks down the fees and charges. Showing this information is an extremely common pattern on nearly any digital purchasing platform, and my belief is it is being intentionally left out so that users don't know they are subscribing to a service. 
- Nowhere on their website ( transunion.com ) do they mention the actual free credit report ( consumer disclosure ). 
- I have done a search and found that many other people have fallen into the same subscription trap as me.
Consumer complaint received 2019-10-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Approvals Direct, Inc. (CA)

I have received a letter from Homefirst Mortgage Bankers stating that they are to take legal action if I do not pay them for the month of XXXX. Loan organizer specifically told me that I did not have to pay two consecutive months. They have ignored my calls and can not explain to me why am I being asked to pay now.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MA)

Lexis Nexus has been giving out bogus information on a Lexis Nexis Credit report.

The information was given to a prospective employer, which resulted in I not being offered the position. The employer informed that I was not getting the job because of the information that was provided by Lexis Nexis. When I tried getting touch with Nexus Lexis Nexis they were impossible to reach.

Lexis Nexis is refusing to provide me with a copy of the report.

Instead they send me a code number to type in that is completely useless. 
The code number is their way of insisting they are following consumer law when in fact the number they are providing is fake.
Consumer complaint received 2020-08-31
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I sent a validation letter to all 3 credit bureaus, Equifax, XXXX and XXXX and also the collection agencies XXXX XXXX XXXX and XXXX XXXX XXXX on XXXX to dispute the following accounts showing on my credit report ( XXXX XXXX XXXX ) AND ( XXXX XXXX XXXX ). The letter was sent over 30 days ago with no response or validation that these unknown debts are mines which is not. These debts are unknown to me and I want them deleted off of my credit report as they are violating my rights by taking longer than 30 days and not deleting these accounts as they should.
Consumer complaint received 2022-04-07
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. (MS)

I filed an identity theft report with the FTC. I have made repeated attempts to have this information deleted from my profile which was not authorized. No one is helping me and no one has communicated back to me after over XXXX attempts.
Consumer complaint received 2021-04-08
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/2021 - Credit pulled by XXXX, CAPITAL ONE, and XXXX XXXX XXXX. XX/XX/2021 - Credit pulled by XXXX. 

I did not myself request my credit to be pulled for any reason. I have no accounts with any of these lenders. 

XX/XX/2021 - I called XXXX and they suspect fraudulent activity. I also called XXXX and they recommended I submit a complaint.
Consumer complaint received 2020-10-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: AMERICAN EXPRESS COMPANY (NY)

on Tue, XX/XX/2020 at XXXX XXXX i received a marketing email from American Express. I have in previous complaints noted that i filed a request to remove my name and business names i have used or used previously from Amex marketing. I was sent a American Express Gold Card for Business application and i was denied the credit card. These new marketing material continue to make it difficult for me to build my credit and obtain high quality credit card offers. I am even being sent a package to my home, which i will not want to use because it could cause further negative credit reporting.
Consumer complaint received 2021-04-08
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: U.S. BANCORP (TX)

XX/XX/2021 - Credit pulled by USBANCORP, XXXX XXXX, and XXXX XXXX XXXX. XX/XX/2021 - Credit pulled by USBANCORP. 

I did not myself request my credit to be pulled for any reason. I have no accounts with any of these lenders. 

XX/XX/2021 - I called USBANCORP and they suspect fraudulent activity. I also called XXXX  and they recommended I submit a complaint.
Consumer complaint received 2020-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (GA)

After returning the lease on time with no payment due, I received a bill {$6000.00} over the agreed upon amount of normal wear and tear. I disputed this in writing to Hyundai. When there was no response to the dispute and I saw the amount as a balance due added to my credit report, I submitted a complaint to the FTC. Still no response from Hyundai. 

Hyundai ignored my dispute by their non-reply AND simply added it to my credit report, as if my written dispute meant nothing. I understand Hyundai is a South Korean company, but these practices do not transfer to the US. The lease was in possession of a car detailer, which is different than their normal customer, and showed wear and tear only on the driver 's seat. I've checked the box below to make this complaint public.
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Transunion is reporting un-verified accounts on my credit report. I have no knowledge of these alleged debts. I have disputed these debts with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. I've just reviewed my credit report and have noticed there are several inaccurate items on my report : XXXX XXXX XXXX late payments never been late on this account XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Charge-off not my account belongs to someone else XXXX XXXX Late payments never been late on this account XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Consumer complaint received 2020-10-31
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2020-08-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc. (RI)

I purchased a {$500.00} Mastercard gift card for cash in late XXXX or the first week of XXXX from a XXXX XXXX XXXX supermarket located on XXXX XXXX, XXXX. I do not recall the exact date. The card is issued by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX I believe that I registered the card with the issuer either the same day or the day after. I registered the card on the issuer 's website and the website showed a {$500.00} balance, at which point I discarded the receipt. Around the middle of XXXX when I checked the balance of the card I found 2 unauthorized online charges, one for XXXX and one for XXXX XXXX. I immediately notified the issuer, and thereafter called both XXXX and XXXX XXXX corporate to notify them of the fraud and hopefully stopped shipment. I provided the issuer with a copy of XXXX XXXX response email and advised the issuer that XXXX told me that they researched the transaction and that the delivery address was that of a re-shipper and the product was probably already out of the country. 

I submitted the issuer 's claim form and photos of the card as requested. I advised the issuer that the card had never left my possession, nor had I shared the number with anyone. I did not make the two disputed purchases. 

I also mailed a letter to the issuer requesting that they process the claim and that they provide me with sufficient information about the purchase that I could ask XXXX XXXX XXXX to research the transaction. I received no response. I requested by email that they call me. They have not. I left a message with their corporate HQ asking for a return call. No call. 

The issuer 's last email response was that unless I could provide them with a copy of the receipt that they would not process the claim. 

They stated : " Because Gift Cards are anonymous products the purchase or activation receipt is required to validate that our cardholders are the original purchasers or intended recipients of the cards. You may request a duplicate copy from the original purchase location. '' If the card is purchased anonymously, how does a transaction receipt prove that the holder is the original purchaser or intended recipient. Suppose that the card and the purchase receipt were lost and someone picked them up? In addition, the issuer sent me a new card -- with my name on it -- containing the balance of the funds, without any proof that i was the original purchaser or intended recipient. 

I am an attorney licensed in RI and MA. Do they think that I am foolish enough to risk my license and reputation over this claim?
Consumer complaint received 2020-10-31
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX provided by XXXX XXXX. But, not reflected on my account by the three bureaus. 

XXXX XXXX XXXX account manipulated and inaccurate with out proper verification based upon FTC guide line. Proof attached. 

Treasury account also updated and not reflected on my credit bureaus credit profile.
Consumer complaint received 2023-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-02-22
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. (FL)

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

XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED : XXXX, XXXX/DEPT OF ED : 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 instruction 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 the of convictions of crimes which antedates the report 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 agency if the person knows of has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-19
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: Experian Information Solutions Inc. (OR)

Sent first dispute on XX/XX/2021 to remove unverified accounts ; got back a credit report with no information. Sent second dispute on XX/XX/2021 as a second attempt to remove unverified accounts ; got back a credit report that says " verified ''. I also had an unauthorized inquiry and I sent that for dispute and have not gotten it removed. Sent a third dispute letter to send how they verified their information on XX/XX/2021 and have not got back anything within those 45 days. Sent a second attempt and nothing. on XX/XX/2021 I sent a letter to remove accounts which they could not have method of verification and have no response nor removal. I will file a complain with FCRA, FTC and the AG of the state to have this removed and will file suit as well for non response and no removal. I've attached the dates the letters were sent out.
Consumer complaint received 2020-10-31
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. (NY)

XXXX XXXX XXXX provided by XXXX XXXX. But, not reflected on my account by the three bureaus. 

XXXX XXXX XXXX account manipulated and inaccurate with out proper verification based upon FTC guide line. Proof attached. 

Treasury account also updated and not reflected on my credit bureaus credit profile.