davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A. (CA)

I am cceing here my banker at Citibank XXXX XXXX, who has been extremely kind and helpful, however hasnot been able to figure out the problem ... 

As independent XXXX, my accountant XXXX XXXX and XXXX XXXX filed all proper paperworks on my behalf, under my personal SS #, and deposited in my personal citibank account, as indicated by President Biden new XXXX guidelines, and as was PPP1 Loan processed. 

Citibank says it should have been deposited into my business account at CITIBANK, but that is NOT accurate. 



I was in the process of filling in XXXX XXXX a name change from XXXX XXXX which is name on my SS # to XXXX XXXX as on my green card and driver 's license ... maybe that is what is confusing ... 

however, since there were NO ISSUES with PPP LOAN 1, I do not understand why CITIBANK is not releasing my PPP Loan 2.
Consumer complaint received 2017-12-19
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. (AL)

XXXX XXXX got a copy of my credit report without permission. I contacted them to inform them they had done this on two separate occasions. They stated they would investigate yet when I got their response letter which I have attached all they did was provide me an unauthorized copy of credit report which they purchased through XXXX. They have NEVER investigated this and each time I have contacted the credit bureaus they have failed to investigate this matter.
Consumer complaint received 2021-09-23
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. (MI)

There a bunch of collection accounts showing on my report and severely damaging my credit score. The damage is causing major issues with my financial life and literally costing me more. Due to this incorrect reporting ; we have been unable to buy a home, we have been passed over on renting a home, and we are paying more each month for car payments and insurance. According to each collection agency, all accounts need to be deleted from my credit report. I am including the names and confirmation numbers for each acct.
Consumer complaint received 2021-07-13
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. (NY)

The Statute of limitations to collect the debt based upon FTC Law and Federal Truth In Credit Reporting Act has expired for XXXX XXXX XXXX and XXXX XXXX XXXX  has expired as when the last payment was made on each accounts. In addition, the original XXXX XXXX XXXX original contract was void/and or null as terminated. Do not owed any money and continue to illegally report as late and past due as a negligence with failure of due diligence law. XXXX XXXX XXXX  offered a additional settlement offered as a compensation which they have also failed to honor under a legally bonded class action. Continue to report incorrect information. The six years requirement is met.
Consumer complaint received 2021-03-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am challenging the information with creditor XXXX this creditor has several inaccurate information this is an unverified account. unverified items i have also challenged this creditor the high balance doesn't match Transunion shows {$670.00} others are blank last verified is missing for two bureaus Transunion shows XX/XX/XXXX date of last activity doesn't match Transunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX date reported is doesn't match Transunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX closed date Transunion shows XX/XX/XXXX others are blank why are the not showing the same two year payment history Transunion shows nothing XXXX  is reporting and XXXX  is not
Consumer complaint received 2023-07-26
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. (TX)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-02
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. (GA)

IVE BEEN A VICTEM OF IDENITY THEFT, IVE REQUEST MULTIPLE TIMES TO HAVE AN ALERT PLACED ON MY CREDIT. MEANING NO ONE SHOULD BE PULLING MY CREDIT WITHOUT WRITTEN CONSENT, IVE ALSO SENT MULTIPLE REQUEST TO BOUT TRANS UNION AND XXXX BOUT OF THEM IGNORE MY REQUEST. THEY REFUSE TO INVESTAGTE. PLEASE SEE THE FOLLOWING INQURIES AND DELETE FROM MY REPORTS, AS I NEVER GAVE CONSENT. 

TRANS UNION IQURIES FACTUAL DATA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the fair credit reporting act these convergent account numbers have violated my rights. 
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 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 1666 B : 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 2021-05-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021, I sent a letter to the credit bureaus about inaccuracies and unknown items on my credit report. I have yet to receive a response, even though it is now the XXXX day. I feel as if I'm being used and that my concerns are being discarded. Failure to investigate these items within 30 days, as specified in Section 611 XXXX a ), is grounds for immediate removal of those items from my credit report. They should be removed as soon as possible because it has been over 30 days. I demand that these accounts be removed immediately, or I will pursue legal action as a result of the stress you have caused me. My knowledge was also exposed to the Equifax data breach, and it may have ended up in the wrong hands.
Consumer complaint received 2021-03-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN HONDA FINANCE CORP (TX)

I was told by Acura Financial Services that my account would be charged off. They offered a 25 % discount making the balance {$1600.00}. I intended and wanted to pay it ; however, due to the pandemic I didn't want to agree until I was sure I was able to make full payment. I called Thursday and was told by the rep, that I had two days to settle the account. I called Friday and couldn't get through. I called Sat, they were closed. I went online to see if I could reach out to customer service but their site does not give consumers the ability to email them directly. Their virtual chat was off so the only communication that I could find, was via XXXX. Maybe they had to reduce employee hours, due to the pandemic. I called today XX/XX/21 and was told the wait time would be 5 minutes. I held for about 44 minutes and talked to the rep, XXXX for about 4 minutes. She informed me that my account had in fact charged off. It's simple, if a financial institution informs you that you have two days to settle your account, then they need to make appropriate accommodations for the consumer to do so. I would like to settle my account without it negatively impacting my credit. There has to be some type of accountability to ensure that along with the demands from these types of companies, they also make provisions for consumers to meet them.
Consumer complaint received 2023-03-29
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. (TX)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-29
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit 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: GOLDMAN SACHS BANK USA (FL)

on XX/XX/2023 while living out of XXXX  for a few months i was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  " XXXX  ''. The people i was taken by proceeded to gain access to all my personal belongings including phone, watch and wallet. they had complete access to phone passwords, card pins etc. After regaining full consciousness i found myself dumped and left in a public park without knowing or remembering what just happened. i was picked up by police and taken to XXXX XXXX. while at the XXXX  i was asked multiple question to try and remind myself any possible information on what occurred which took some time to fully regain consciousness. in the meantime trying to get a hold of family members or anyone to would take charge of me. I was taken to clinic by police XXXX and discharged around XXXX. During this time the people that took me had the opportunity to make many purchases through my credit cards on my phone through apple pay and physical cards. They also had access to all my personal ID ( florida drivers license, colombian ID and more ). same day after being discharged i contacted all banks and told them what had occurred. Apple card/Goldman sachs have been the only entity that has not provided the credit on the purchases made after the dispute, totaling around {$6400.00} USD in about 15 purchases made through that card. Even after providing them with 2 police reports and the hospital report. Bank claim case # XXXX
Consumer complaint received 2021-05-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NE)

Our mortgage is through Wells Fargo XXXX XXXX XXXX. We had an issue in getting the mortgage insurance payment removed and had filed a complaint via cfpb earlier this year. XXXX did respond and finally removed this charge however, they did not refund the XXXX months that were collected in error. According to the loan, once it reached XXXX, loan was XXXX  years or older and had XXXX months of current payments this insurance would be removed. Per the XX/XX/XXXX statement the loan balance was below the XXXX amount required to remove the MIP ( the statement on XX/XX/XXXX shows balance of XXXX ), the loan was also older than XXXX years and also had more than XXXX  months of on-time payments. We eventually filed a complaint via cfpb in XXXX as XXXX did not want to remove this extra insurance after we tried to work with them. On XXXX XXXX after all requirements were met XXXX made a mortgage insurance payment XXXX MIP ) of XXXX again the balance here showed below the require XXXX. Again on XX/XX/XXXX WF made yet another MIP payment of {$69.00} even though AGAIN all requirements had been met. Eventually after XXXX asked for an extension to look into this matter they came to the conclusion on XX/XX/XXXX that in fact conditions were met and that MIP should not be collected. We have yet to date received a refund in the amount of XXXX as these should not have been paid and they were also being reviewed prior to our complaint with cfpb and payment to MIP also were made after the complaint was filed. We would like our refund that is due to us for XXXX improperly charging and collecting this MIP as all conditions had been met.
Consumer complaint received 2019-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (NY)

Regarding AmEx accounts that they shut down against my wishes, they have been harrassing many people who are not my spouse, and even non-blood relatives. The most recent call was on XX/XX/19 at about XXXX. As I understand the debt collection laws and regulations, other outside parties may be contacted only once in an effort to secure contact information in a credit.debt dispute. Despite being told by these outside parties that cant provide such info, an AmEx rep at XXXX has repeatedly called alternate numbers for the same outside parties in succession. They must be stopped and punished for harrassing outside parties in a matter that is entirely between me and them.
Consumer complaint received 2019-08-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lazega & Johanson LLC (GA)

I received a letter on XX/XX/2019, dated XX/XX/2019 from Attorney XXXX XXXX of XXXX stating I had an outstanding debt for my HOA. I have previously made payment to my HOA to settle my debt, so on XX/XX/XXXX, I responded via Law Firms requested method of correspondence ( email ) requesting clarity on my debt, in which I received no response from the firm. On XX/XX/XXXX, at the 30 day mark, after hearing no response from the Attorney, I proceeded to pay the demanded amount of {$1400.00}. I followed up with a call to the number listed on my letter to demand a refund as my debt had been paid before receipt of the letter. The debt collector stated she would reach out to Attorney XXXX XXXX to secure a refund. A week elapsed in which I heard or received no email or written correspondence from the Law Firm, in which I again called and requested a detail summary of my debt and credits paid. I was told per debt collector to email Attorney directly. On XX/XX/XXXX, I emailed Attorney XXXX XXXX demanding a detailed summary of my owed debt, and requesting a refund from his law firm, since I paid more than actual amount of debt. As of today, I have no received a detail summary of my debt, or any correspondence from XXXX XXXX XXXX. My HOA has also indicated they have not received payment from XXXX. XXXX refuses to pay me back what they have no entitlement too.
Consumer complaint received 2021-05-24
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: V and H Portfolio (PA)

On XX/XX/2019 VANCEHUFFMAN added a derogatory mark on my credit report per XXXX and XXXX but not XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor ( XXXX XXXX XXXX XXXX ) did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, they both has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2017-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX I have repeatedly requested from Transunion Credit Bureau, XXXX XXXX XXXX XXXX PA XXXX, to provide me with a VALIDATION for bankruptcies that are being reported on my credit report, Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. I have sent them several letters regarding this issue and they have yet to provide me with the validation required. The County Recorder of Deeds and the Bankruptcy Courts have also reviewed the Public Record section youre your Transunion Credit Bureau. They both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Transunion Credit Bureau has never  validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.
Consumer complaint received 2021-05-05
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: EQUIFAX, INC. (GA)

I submitted my first dispute on XX/XX/XXXX and never received a response or any contact in regards to that dispute which involved The credit bureaus reporting unknown, inaccurate, and unauthorized accounts on my credit report. I have no idea if an investigation was started or not so I submitted another dispute for a reinvestigation and still have not gotten a response or any contact in regards to my second dispute on XX/XX/XXXX. The credit bureaus are in violation with the FCRA and HIPPA laws. I am a victim of identity theft and they have caused me tremendous stress due to the fact that their letting unauthorized accounts that are fraudulent report to my credit report. I will bring this matter to the attention of the better business bureau and the office of attorney general of Ga. Ive been affect by the XXXX Equifax XXXX and XXXX XXXX XXXX XXXX breach. I also had my identity stolen by someone that used it to get unemployment benefits in my name last year. Their is obviously someone using my identity to do things I have not authorized. As the original creditor, only I can validate the accounts. I do not validate the accounts. Therefore, the accounts must be deleted from my report. I will also seek litigation and {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off my credit report.