davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-16
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. (TX)

I've had this provblem for a long time. I've submitted the proper documents stating that I was a victim of Identity Theft. The issue remains and it is effecting my personal life and credit score.
Consumer complaint received 2022-11-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (VA)

XXXX and XXXX reporting a debt in the amount of {$100.00} from Credit Control Corps, in regards to XXXX XXXX XXXX. Date of debt is XX/XX/2019. I had XXXX through the state of Virginia and also XXXX insurance XXXX  to current. 15 U.S.C. 1681, 15 U.S.C. 1681 section 602 A, and 15 U.S.C. 1681 section 604 A Section 2.
Consumer complaint received 2022-03-27
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: EQUIFAX, INC. (TX)

in accordance with the fair credit reporting act. below accounts have violated my rights. 
1 ) XXXX XXXX last four account number # XXXX 2 ) XXXX  XXXX bank last four account number # XXXX 3 ) XXXX XXXX last four of account number # XXXX XXXXXXXX XXXX XXXX last four of account number # XXXX XXXX5 u.s.c 1681 section 602 a. states i have the right of 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 166b a crditor may not treat a payment on a credit card account under an open and consumer credit plans as late for any reason.
Consumer complaint received 2022-03-27
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: I.C. System, Inc. (MS)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-03-27
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: CBC Companies, Inc. (GA)

My information might have been impacted by the XXXX data breach and may have got into the wrong hands of the wrong person Inquiries : XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XX/XX/2021
Consumer complaint received 2022-09-29
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: CITIBANK, N.A. (MI)

CBNA called me 4 times within 4 days to verify if I was trying to open up an account. I told them this was not me and they told me I would not be penalized for the inquiries and they would be removed right away. They were not.
Consumer complaint received 2022-03-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY, THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY WET SIGNATURE ON IT, YOU ARE IN DIRECT VIOLATION OF THE FCRA ... .....
Consumer complaint received 2022-09-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY (TX)

TD auto finance repo my car without and the put account and collection and they are charging me insane amount. This account its hurting my life because they are charging a lot of money and every month they keep raising the amount from {$5000.00} to {$10000.00} I feel they are taking advantage
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is just troublesome! The Credit Bureaus have been ignowing my letters as well as theiur reposibility to comply with the FCRA section 605b! I have been sending multiple letters asking for the Credit Bureaus to remove the dispute accounts and information from my Credit Report for I believe I have been a victim of identity theft. The last letter I sent was dated XX/XX/2022 with complete attachments of my personal information such as my Driver 's license as well as the ID THEFT REPORT I received from the FTC. I have been a vitim of identity theft and that the Items I am disputing were the results of such crime. By th provisions of the FCRA section 605b, I am submitting this CFPB Complaint to request that the Credit Bureaus remove the following fraudulent items completely from my Credit report as soon as possible : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX ) XXXX Balance {$760.00}
Consumer complaint received 2022-03-27
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. (MI)

On XX/XX/2022 I viewed my credit report with Equifax and found many inaccuracies. On or about XXXX/XXXX/202 I disputed all the inaccurate information. As of today ( XX/XX/2022 ) I have not received a response or any information with regards to my disputes. On XX/XX/2022 I tried to look at my credit report and I was unable to for whatever reasons. I called Equifax and told them XX/XX/2022 on requested a copy of my credit report because of this. I was told that they were sending me a copy of my credit report yet I have not received it. I called again today and was told that they sent it to me however I never received it in my locked mailbox. Im still unable to see what they are reporting about me and if they have corrected the inaccurate information. It is unfair to have information reporting about me that I have no knowledge of or can not be made aware of.
Consumer complaint received 2021-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

I made a payment to my credit card account on the due date of XX/XX/XXXX but Im showing that a late fee of {$29.00} has been assessed?! The payment was made on the due date and the payment confirmation from the credit card company shows as being paid on XX/XX/XXXX. I looked and this also happened to me last month in XXXX. The payment information shows I paid on the due date of XX/XX/XXXX but I was still assessed a {$29.00} late fee. Im paying on the due date and the confirmation from the credit card company is showing I paid on the due date then why am I being assessed late fees? Additionally I looked up if there are cutoff times for payments and its disclosed by XXXX XXXX if a payment is made electronically or by phone before XXXX it will be applied to the account on that date and a late fee would not be assessed. Both payments were made on the due date online well prior to midnight. Attached is documentation to support all this. Ive contacted customer service several times I attached screen shots of the most recent interaction and the employee said that I should make my payment 2 days in advance because sometimes there could be technical errors. Im sorry but if there are technical systemic errors with XXXX XXXX payment processing then how is that the customers fault and okay to XXXX them a late fee when they paid on time and the payment confirmation shows they paid on time. The customer service representative told me the late fees could not be refunded! The representative tried to push me into auto deduct to avoid a late fee even though I made my payment in accordance with the terms and conditions disclosed. This is extremely deceptive and I cant even imagine how many customers this is happening too. When you contact customer service they admit there could be a technical problem but the solution is for me to schedule my payment well in advance. Please someone needs to research this and refund my late fees!! If I made the payment late then thats my fault but in these instances I did not and no one can explain why fees were assessed!
Consumer complaint received 2022-09-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

XX/XX/XXXX, I was in email contact with XXXX marketing guy name XXXX XXXX who no longer works for XXXX XXXX XXXX XXXX. ( XXXX  ). I still have all the email correspondence. XXXX XXXX, the CEO and I signed an agreement that he provides the service and I provided the capital and we split the net profit 50/50. The contract outline several things that the company has failed to do such as weekly updates, communication, or even profit. It was two separate transactions both taking place in XXXX XXXX one for XXXX on XX/XX/XXXX and the second was XXXX on XX/XX/XXXX XXXXAs far as I'm concerned, no store or work as been done. I've tried numerous times and sent several emails requesting for updates or my initial payment back like the contract stated. I tried resolving the situation with the company and XXXX himself but I get no response. I know the email works because thats what he still sends me appointment calendars with, however, the four status update meeting arrangements that we had, he was a no show. He rescheduled and again was a no show and no follow up email. The one reliable form of communication which was slack was decommissioned without any warning. He just decided to delete the app and kick myself and numerous others off, which had all the earlier email correspondence. I sent him an email demanding to put me back and claims it was a security concern. Claimed he would send out an updated channel for communication via XXXX XXXX. Then he went dark again, no response, no action, no follow up. I got an attorney to draft a notice of breach of contract and notice to discontinue his services and he's somehow tried evading the letter however the carrier confirmed it was indeed delivered to the address on the contract. This has been one wild goose chase after another and I'm at my limits. I was discharged unexpectedly out of the XXXX for a XXXX XXXX  and this was my way to ensure I'd have some sort steady income coming. It seems XXXX and his company have committed wire fraud with several others. I Since it was wired from my XXXX XXXX account, I called them and gave them a the run down. 

XXXX XXXX took notes and swift recall and they say give it 2-3 business days so XX/XX/XXXX and see if BANK OF AMERICA the receiving bank would assist. 

I called Bank of America immediately following and the rep I spoke to just said since it was too long ago there's nothing they could do. No further assistance from them. No freeze on the fraud account, no further investigation into the matter. I still have all their banking information. I will call them again today and see if the other workers may do it little more giving the severity of this. 

XXXX USD is no small amount so filed a complaint with the Florida Attorney General, FBI, XXXX. I will continue filling until something is done. I saved all emails from and to XXXX
Consumer complaint received 2021-05-28
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: ERC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ERC Date : XX/XX/2021 XXXX : Social Security Number : XXXX To Whom It May Concern, This letter is regarding account ERC, which you claim This is my account which was placed in collection off {$4600.00} ). This is formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence and bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX  and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that you could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$2000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623- b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organization below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2022-09-24
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. (IL)

This Dispute is geared towards the five credit reporting agencies, XXXX XXXX XXXX, Transunion, XXXX, and XXXX. These companies are in the business of running criminal enterprises. XXXX and XXXX is in the business of selling personal and private information to Transunion, XXXX, and XXXX for commercial purposes. These companies share unverified and fraudulent non public information with non affiliated third parties without the consent of consumers as made into law by congress ... XXXX and XXXX are illegally gathering information and selling it to the 3 major reporting agencies without the consent of the consumer which is a federal violation ... All of the companies are committing racketeering and need to be punished by law. 
All of these companies are reporting an alleged public record with my name attached to it and need to delete it immediately. I've given no consent for any of these companies to have and/or share any alleged information about myself. This not only is a violation of my privacy but also many other violations in the FCRA and The Gramm Leach Bliley Act. If this situation is not corrected immediately, I will not hesitate to get this rectified in FEDERAL COURT
Consumer complaint received 2022-03-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal limited my account last XX/XX/XXXX. They said that they found out that I were receiving payments for unapproved gambling-related services through the website XXXX. I tried to explained to them that my account has been hacked and someone used it to illegal activities. I tried to call them and email them this past month explaining my side but my appeal turn into deaf ear.. Now that I got back my Paypal account to the hacker. Changing password and changing the phone number so that It will not hack again. I would like to use it again because this is where my boss send my monthly salary and this is where my clients is sending their payments. Thanks!
Consumer complaint received 2022-03-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (NY)

On XX/XX/XXXX of this year, I filed a claim for stolen funds off of my " Vanilla '' card and I proceeded to send them a written copy ( provided by them ) of details for how much was taken, etc. I am still waiting for resolution to this matter! I have emailed them about the status of the case, and received no reply except for one stating they couldn't find my account info! Ugh! I immediately wrote back and told them I made copies of EVERYTHING so it shouldn't have taken this long to resolve.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (TX)

To Whom it May Concern : I have been trying to get help from Flagship Credit Acceptance and all 3 of the Credit Reporting Agencies to assist with removing the 3 late payments that are being reported by Flagship Credit Acceptance. I have a document from Flagship that states they will remove my late payments and treat them as current. This was part of the " Temporary Reduction In Payment '' ( TRIP ) Agreement. I was sure to make my payments per the agreement, and have been current since the date of the letter. Yet the creditor and the reporting agencies have not taken my complaint seriously. Please see my attached documentation. If you have any questions or concerns, please feel free to call or email me. 

Best regards, XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX, TX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-22
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)

This complaint to the 3 Credit Bureaus was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (IL)

To whom it may concern, On XX/XX/XXXX i received letters from multiple credit cards companies stating that they are closing my account without any explanation some of the accounts were more then 30 years old. The accounts which were closed are as follow. 
1, Sears ( Citibank ) 2, Costco ( Citibank ) 3, Home Depot ( Citibank ) 4, AT & T ( Citibank ) 5, Best Buy ( Citibank ) On XX/XX/XXXX I wrote back to the companies requesting the reasoning of this decision! 
Even though the credit cards were belonging to different companies the one thing in common is the bank which is ( Citi Bank ) for all the above cards. 

On XX/XX/XXXX I received a reply back from the bank stating " During a recent review of your account, we discovered information suggesting that you pleaded guilty to conspiracy to distribute prescription pain medication to patients without examination or medical need. As a result, the above- referenced account was closed on XX/XX/XXXX. 
We appreciate the opportunity to respond to your inquiry. 
Sincerely, Card Services '' I am XXXX year old XXXX XXXX XXXX XXXX  with NO knowledge of medicines/ prescriptions neither have i been writing or giving out prescribed medicines nor have i ever been convicted or plead guilty of any such crime. I believe banks have got my information mixed up with someone else. 

I seek help from your department to get this issue resolved for me. 

Thank You Best Regards, XXXX XXXX XXXX
Consumer complaint received 2021-05-27
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: JPMORGAN CHASE & CO. (NY)

While booking flights on United Airlines website, XXXX, a pop up appeared offering a Chase United Airlines credit card. I am attaching a copy of that offer. I applied, was accepted and then booked my flights, assuming the credit of {$250.00} for opening card account would be posted to the same statement as the airlines charge. When it didn't, I made several telephone inquiries to rectify and never received an answer until a Chase service employee directed me to " secure messaging '' on the website. I have several communications back and forth with said " messaging service '' have forwarded a copy of the original offer made on the website and Chase still will not resolve the matter. The amount of money is not the issue here. The run around from Chase and the fact that they are living up to the offer is. Thank you.
Consumer complaint received 2022-03-27
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. (PA)

Equifax has 30 days by law to respond back they have not done so. According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. 
In your investigation results please prior to debt validation constitutes collection activity. 
In your investigation results please provide the names, addresses and telephone numbers of individuals contacted during your investigation.
Consumer complaint received 2022-09-24
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)

Transunion is committed fraud against my Trust and Estate Full faith in Credit by reporting false information on my report. I aquire my home at XXXX XXXX XXXX XXXX NY XXXX, on XX/XX/2020 via Promissory Note which is to be considered to be the same as cash in accordance with 1882 Bills Of Exchange Act. The Debt has been paid in full, The Debt of Exchange has been signed, sealed and delivered to Veterans United Homes Loans, its not fair that Transunion are allowed to report this fraud against my Trust and Estate