davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
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. (IL)

In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX  Account, # XXXX has violated my rights under 15 U.S. Code 1681 section 602 which states I have the right to privacy, 15 U.S. Code 1681 section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. This collection account is also being reported with several different open/closed/activity dates, balances and last payments dates which is a violation of FCRA and Metro 2 Compliance. I have disputed this several times in attempt to correct the inaccurate information that is being report, however they has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
Consumer complaint received 2023-04-03
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)

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-19
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Public Records : XXXX  XXXX Bankruptcy XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Employer : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Public Records : XXXX  XXXX Bankruptcy XXXX Inquiries : XXXX  XX/XX/XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX  XXXX Addresses : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Public Records : XXXX  XXXX Bankruptcy XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-06-19
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (AZ)

I was late making the monthly balance payment to American Express on account numberXXXX. They eventually cancelled the card and charges off a balance of {$1400.00}, but not before rolling up late charges and interest for many months. I have asked repeatedly for several of the bill collectors to get me a copy of what any actual charges were, as opposed to penalties and interest, and offered to pay actual charges, but no one ever responds, and if i try to call AMEX they just say it has gone to collections and refuse to talk to me. None of the collectors ever send a copy of what I am being charged for.
Consumer complaint received 2017-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OH)

I added my husband as an authorized user on my XXXX rewards card. He is not a signer on the card. I just found out They are reporting it to the credit bureau. I called them and they refuse to remove or change it going forward and insist that they are allowed to do this. My husband signed a form to be added as an authorized user and nowhere on that form does it state that they would report it to his credit. I am the only card holder/signer. This should not be on his credit!
Consumer complaint received 2022-01-20
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: BARCLAYS BANK DELAWARE (CA)

I am requesting your help with what started as a small problem, but has ballooned into a bigger issue because of the continued incompetence of Barclays and its employees.

Years ago I had a Barclays credit card. I had asked for the account to be closed approximately 3 years ago, have not received statements since XX/XX/XXXX, and I no longer have the actual card. 

On XX/XX/XXXX at XXXX XX/XX/XXXX I received an email statement with a {$28.00} balance. This email referenced an account ending in XXXX. I do not have a card, so this is the only reference number I have. I knew this was a mistake, so I called and requested it be rectified. Not only did your company allow a charge to be made on a closed account, the charge appears to be from XXXX XXXX, which is a campground we have not been to in years ( I estimate 5 years ). I told the customer service representative that the charge must be fraudulent. I was given a case # ( XXXX ) told it would be taken care of and I would hear back in 7-10 days. I did not hear back. 

On XX/XX/XXXX, I received an email statement with a {$48.00} balance. I called and was told you added a late charge. I was told the late charge would be removed, the initial charge was being researched and I would hear back in 7-10 days. No call back. 

On XX/XX/XXXX, I received an email statement with a {$64.00} balance. I called and spoke with many people. The last person I spoke with said she was a manager. She said it had been taken care of, and when I voiced concern about my perfect credit being damaged, she said she would send a XXXX balance letter. 

The letter arrived showing a balance of {$64.00}. That same day I checked my credit, and my credit score dropped XXXX points. I have NEVER HAD A LATE PAYMENT. 

This is completely unacceptable. I have reached out to XXXX XXXX by email and they confirmed they have not recently charged my card, since we have not stayed there in years. I have included that email for your reference. 

The {$28.00} would have been no issue to pay. The issue is that this charge is not justified, the account has been closed since XXXX, and this should have been taken care of with my initial call in XXXX. 

This has not only been marked with incompetence, but the hours I have spent on the phone repeatedly telling this story and not getting a resolution have been unacceptable. I have been treated with disrespect and patronized by Barclays employees ( especially in the fraud department ).
Consumer complaint received 2015-09-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

In XX/XX/XXXX, I settled a debt through a law firm for a XXXX XXXX/Metris credit card account. 
In XX/XX/XXXX, I was contacted by another law firm and told that I owed for that same account. I contacted the original law firm and they re-sent me the settlement letter and confirmed that they had my account as satisfied and that they had let Metris know back in XX/XX/XXXX. 
I faxed the settlement letter to the law firm who contacted me as well as bank statements showing the payments cleared. They apologized and assured me they would correct the issue with Metris. 
I have since heard from at least XXXX other law firms on this, almost on a yearly basis. Most recently last week. I submitted yesterday, the settlement letter to the latest law firm. 
Metris has been bought by other companies since I settled the debt and I can not find an up-to-date contact number so that I can address this directly. The law firms will never give me the contact info they have, they only assure me it will be taken care of. However, this is only 'taken care of ' until Metris ( or whoever owns these old Metris accounts ) sends my info to a new law firm. They never update my account correctly to show that it is satified. I do not think it is fair or reasonable that I hear almost annually from a lawyer on a debt that I have satisfied and paid taxes on. I am attaching the settlement letter which has the original law firm information.
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Winklevoss Exchange LLC (GA)

I have the Gemini XXXX, it regularly gets rejected, or stops working for no reason. I have opened up multiple tickets, and there is never any resolution, they just say that " a fraud prevention algorithm prevented the transaction ''. And this is after multiple support calls, where they are completely unable to tell me why my card isn't working.
Consumer complaint received 2015-05-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (VA)

I received a debt collector letter states I own them money from XXXX mastercard. However, I never apply and use this credit card before. I called debt collector, XXXX XXXX and XXXX XXXX and they do n't have any detail since they bought this debt. I called XXXX mastercard and they said they do n't have any detail either since they sold the debt.
Consumer complaint received 2015-11-20
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc. (AZ)

I am beside myself. I have been unemployed for one year, I have worked my entire life, and not once utilized public assistance. In my time of need, I have been met by denials by non profits, HUD Counselors, Caliber Mortgage, and XXXX AZ lawyers. By XXXX/XXXX/2015 I will be on the street with my daughter. She has been traumatized by the mounting stressors of having utilities shut off, minimal food, and increasing detriment to her self esteem. I am a XXXX who is chastised daily XXXX who is reveling at my failure. I have no faith in humanity due to having no assistance, advocate, or thought of my child. I can no longer call people to help as I do not think I can take in any more rejection.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: IQOR US INC (SC)

I am submitting this affidavit against Allied Interstate LLC who has chosen to send through mail, a debt collection letter that I received on XXXX. I have no contract with this company. I do not know who this company is. I do not know how this company has received my private information, location information, or any information that pertains to me. This is a clear violation of the FDCPA, and TILA. 
The alleged debt collector is trying to collect on a debt that I have no knowledge of. Again, I do not know who these people are, I have no contract with this alleged debt collector and this is clear identity theft using my personal information to collect on an alleged debt.
Consumer complaint received 2015-06-23
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (TN)

Since XX/XX/XXXX I am trying to fix this account, my id was stolen with XXXX credit card, XXXX credit cards re-open my account with a different account # they used all my credit cards, XXXX, XXXX, home depot, sears, XXXX all my ID was stolen and used my credit cards I emailed many forms to office depot and I reported all the credit frauds to XXXX and credit cards company they still used my credit information as US citizen we deserve better protection I told them to put a fraud alert and to freeze my credit and they still used all my ID they did all the purchase and they even asked for ID when they were using my ID? I have all my statements the last statement dated XXXX XXXX I paid {$190.00} check # XXXX dated XX/XX/XXXX then I found out this was up to XXXX? these are unauthorized charges I called this XXXX I told them about the fraud called back in XX/XX/XXXX I wrote them a letter to get my balance and to report the fraud and never did anything see attached documents please i need help I was going thru a difficult divorce going to counseling taking my son to counseling and then I lost my job of 15 years then going thru a difficult divorce XXXX, I never had time to take care of this issue since I reported the ID stolen to experian and told them to put a fraud and freeze my credit and lost job never thought they were going to use my ID my social and my US citizen papers, I even wrote a letter to a Lady XXXX XXXX and talked to XXXX XXXX I think his last name is I do deserve better consumer protection. I will paid my balance but not for unauthorized charges when I told them to stop my ID my social etc.
Consumer complaint received 2017-01-21
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Live Well Financial, Inc. (CA)

My Lender will not give me a Loan Modification on my Father : s Home my Fsther Died and left me his Property so i am the Administrator of his Estate but this lender will not work with me on a Loan Modification and the lender has a sale date and the lender will not work with me so my home is going to sale
Consumer complaint received 2024-02-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute several accounts on my credit report, which I believe to be the result of fraudulent activity. These inaccuracies are severely damaging my creditworthiness and causing me significant distress. XXXX XXXX
Consumer complaint received 2016-07-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (SD)

I applied for Citi Gold Checking Account with XXXX promotion on XXXX/XXXX/2016. The promotional offer is that AAdvantage XXXX bonus miles will be credited by Citibank within 90 calendar days from the date when I completed all offer requirements. I have received a confirmation letter from Citibank specifically addressed to me from Citibank that I have met all the requirements. In the letter sent on XXXX/XXXX/2016, Citibank stated that " Our records confirm your account met all criteria for promotion code XXXX. After your 90 day waiting period is complete or by XXXX/XXXX/16, the bonus miles will be applied at the end of the next statement billing cycle. '' However, I have not received AA XXXX bonus miles as of XXXX/XXXX/2016. During the waiting period, I have already paid a total of {$60.00} of monthly service fee to wait for the promised AA XXXX bonus miles. I wish Citibank honors her own promise written in the confirmation letter.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-07-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I suffered a fire on XX/XX/2022. My insurance company, XXXX XXXX XXXX ), has issued a check for over XXXX to start repairs on my home. I hired a Restoration company and an Electrical company to come to demolish the interior and also to install temporary electrical service. Both companies has finished their work, but my mortgage company, Bank of America, is refusing to release additional funds to pay the contractors. They initially release $ XXXX, but the final total to pay these two contractors are $ XXXX. Bank of America acts as if the monies belong to them. They refuse to release additional funds, and I'm unable to pay their final bill and also I'm unable to hire other contractors to finish my home.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2018-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (FL)

I called last year to cancel and pay off all accounts with XXXX XXXX, and they failed to tell me about two other accounts that i had with them. When I called back today i found out they were now charging my account 30 % interest and i asked them to immediately cancel my credit card and to pay off all of my accounts with them. I now found out that there is another account that they still have failed to tell me about ... ... from my junk emails ... ... they are doing this on purpose to give a false sense of security and meanwhile literally XXXX the consumer. 

what is the us gov't going to do about this?