davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
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. (PA)

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan or loans, a credit card or credit cards, and any other accounts from XXXX with a balance of {$21000.00}, XXXX XXXX with a balance of {$9000.00}, XXXXXXXX XXXX with a balance of {$810.00}, XXXX XXXX with a balance of {$1500.00}, XXXX XXXXXXXX XXXX  with a balance of {$250.00}XXXX XXXX XXXXXXXX with a balance of {$240.00}, XXXX XXXX XXXX with a balance of {$7500.00}. Hard inquiries XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-07-04
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (CO)

XXXX. I have been a member of American Express ( AMEX ) for over 20 years since XXXX. 
XXXX. In XXXX of XXXX, AMEX via letter requested confidential corporate financial information regarding the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). I'm an owner of XXXX. XXXX had a corporate card in good standing with AMEX since XXXXThere was no indication to why this financial information was needed nor what it was to be used for. I was only provided 14 days to provide the information. The letter did not state the penalties for not providing this information within the timeframe. 
XXXX. I spoke to representatives at AMEX on XX/XX/XXXX and again on XX/XX/XXXX. I was told that both my personal and corporate cards were in good standing and had no charging privilege restrictions. I was not notified by these agents of a pending financial review. 
XXXX. I reviewed my charges and balance activity several times a week on the AMEX app. There was no indication on the app that my accounts were pending financial review or in jeopardy of cancellation. 
XXXX. Approximately XXXX week after my last phone call to AMEX the Financial Department cancelled both my personal and business accounts when corporate financial records were not received. 
XXXX. I was under the impression that this was a temporary suspension of charging privileges due to a high corporate balance. 
XXXX. I failed to understand how failure to provide corporate financial records would lead to the cancellation of a personal XXXX account. 
XXXX. AMEX reported this derogatory information to all XXXX credit bureaus. This led to a drop in my credit score of over XXXX points and has affected my ability to obtain further credit either personal or corporate. 
XXXX. I was told by XXXX XXXX a representative of AMEX that I have a good case for reinstatement based on poor communication and confusion surrounding my accounts. XXXX separate departments were simultaneously acting on my accounts. Neither department had knowledge of the other 's actions.
Consumer complaint received 2023-08-25
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CA)

I opened a previous account against synchrony bank ( XXXX ). I was never late with my payments nor missed a payment. The XXXX XXXX XXXX said I could pay it off by paying my final payment of {$54.00}, yet she indicated to you that the account was closed with 'relief ' of {$49.00}. My bank statement clearly shows {$54.00} paid to Synchrony Bank as final payment, incident number : XXXX. You were deceived. Not a problem. Moving forward, yesterday I used my synchrony card to make a purchase at XXXX Spaces... I was denied. I left two messages for XXXX XXXX XXXX asking her why they denied my purchase. My credit score was excellent. I was never late making a payment with synchrony, and I never missed a payment except when synchrony asked me to hold a payment until an investigation regarding a charge was complete. 

I need to know is this revenge because I filed a complaint with you. What reason could they have for denying my living spaces request, it's only {$500.00}. Thank you.
Consumer complaint received 2023-03-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

In reference to student loan application id XXXX : On XX/XX/2023 I applied for a student loan on the Citizens Bank website. I was initially approved for {$76000.00}. After speaking with a representative at ( XXXX ) XXXX I was informed that the website was transitioning to an update and that I would need to re-apply. I expressed concerns that this was not advertised on the website and I already had my credit pulled and inquiries as a result. I was concerned that due to the inquiry, another inquiry might lower my creditworthiness or that I could potentially be denied for the loan all together if I had too many inquiries in a short time. I expressed this concern to XXXX XXXX at the Office of the Chairman and requested if either scenario happened if the bank would honor the previous approval due to the circumstances. The concerns and worst-case scenarios did not happen. I was approved, but now I am having difficulty finalizing, reviewing, and accepting the terms of the loan as the Citizens Bank website is not allowing me to access my loan documents. Citizens Bank has a regulatory and ethical obligation to provide loan documents upon approval. I have escalated this to XXXX  XXXX XXXX and she has escalated to the IT department for further review. At this time I still have no solution and am receiving an error due to the system being transitioned and or updated. I am a current student and need access to both my documents and funding soon as possible. This is a violation of the Dodd Frank Act. markets for consumer financial products and services operate transparently and efficiently to facilitate access and innovation. '' Due to the lack of accessibility and transparency I allege this offense to be valid and will continue to share my experience with other federal regulators. 

I also request the original inquiry on the first application be removed from my credit report as a result of the lack of transparency in the application process.
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

At the beginning of XX/XX/2023 because of ongoing problems with Capital One after an hour on the phone I closed my account. I also sent two letters on XX/XX/2023 ( 1 ) one in response to a ridculous letter with them threatening to close the account after I had already closed the account; and ( 2 ) a letter confirming that the account was to be closed and requesting returning the {$1000.00} deposit. When I closed the account by phone they told me that they would not apply the {$50.00} in rewards which I had earned. 

I try not to use the phone because of a XXXX  XXXX but in violation of the XXXX XXXX XXXX Capital One forces a person to use a phone and refuses to use email. I do not answer phone calls. I only respond to emails and snail mail. 

In XXXX I received a statement showing a credit balance of {$38.00} and a rewards balance of {$50.00}. The cash total which should have been returned to me was {$1000.00}. 

In XXXX I received a statement with XXXX in false charges. I returned the card in XXXX to Capital One along with the letter. Every charge is fake and they have yet to return the money I am owed. 

Capital One is a total scam.
Consumer complaint received 2018-11-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX, we traded in our XXXX XXXX XXXX to XXXX XXXX of XXXX XXXX, PA with a balance remaining on our Chase Auto Loan. On XX/XX/XXXX, XXXX XXXX paid off the auto loan according to the payoff terms provided by Chase Auto. On XX/XX/XXXX, XXXX XXXX received a letter from Chase saying " Your account is now paid in full '' as well as the vehicle title. 

On XX/XX/XXXX ( 15 months later ), we received a letter from Chase Auto requesting that we pay a remaining balance. After calling to dispute and provide documentation, a representative assured us that he would take care of it. Follow up calls were not returned. On XX/XX/XXXX, we received a letter from a debt collector that gives us 30 days to pay or dispute before our credit is affected.
Consumer complaint received 2023-01-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Automated Collection Services, Inc. (LA)

I am writing to dispute the following account with Automated Collection Services , Inc. ( ACSI ) ( Account number : XXXX ). This has been an ongoing issue. Years back, the original creditor had confirmed that this debt does not belong to me, and removed the account from my credit report. I am not sure what happened, but later on when they sold the account, it popped back up on my credit report. I am assuming that the original creditor did not disassociate my personal information with someone that had the same name as I do, or whatever the case was. This account does not belong to me! Please see the attached document, which is a letter that I wrote to the company, as well as my XXXX credit report. It has been significantly more 30 days since I began my dispute with XXXX, and they have not updated the dispute status. It still reflects " account information disputed by customer ''. To this day, I do not see any resolution comments. Furthermore, I also have no idea why this item is reporting as an " open account '' when it is a collection! Please have ACSI remove this account immediately, and permanently.
Consumer complaint received 2018-11-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

During my first day ( XXXX XX/XX/XXXX ) of employment at XXXX XXXX, the HR ( XXXX XXXX ) asked me to fill up few formality papers. I have no idea that they ( XXXX XXXX ) asked me something via which they can open a XXXX XXXX Store credit card in my name. 
XXXX XX/XX/XXXX was my last day at XXXX XXXX. I handed over the employee badge to XXXX XXXX ( Human Resources ) around XXXX on XXXX XXXX, XXXX. XXXX XXXX told me that I will be getting the replacement Credit card ( within 30 days ) as the employee card is also the store credit card. 
Till now - after 30 days - I haven't received my replacement credit card. 
It's a fraud to get the credit card opened in somebody's name like that. It seems XXXX XXXX which is almost on the verge of bankruptcy somehow want to show that still new customers are opening the credit cards to show some spike in sales. 
And worst thing - why XXXX XXXX is making poor employees open up the credit cards at the first place? 
This scam and fraud is as big as what world saw few years back ( when XXXX XXXX opened some fake accounts for the customers ). 

I never ever used this credit card ( which i am not aware how come it got opened ). I closed my house in XX/XX/XXXX and due to some of these recent activities ( applying for the credit card in XX/XX/XXXX ) proved to be fatal for me as I end up paying higher interest rates. 
I never ever received any statement for this credit card - not at my postal address or on the email address ( Work or personal ). 

Where does this ghost credit card went? 

I never got any card member agreement or FYI from this credit card which talks about it's terms and conditions. 

There seems to be some big fraud going on it seems. 

I believe Capital One is the credit card issuer for XXXX XXXX. Capital One should have some standards and protocols ( rules ) in terms of which kind of companies or merchants they need to partner to issue the credit card. Every credit card application is a hard inquiry to a candidate. If there is a massive fraud going on like this - it should be investigated. Card issuer as well as the merchant should be investigated in this matter.
Consumer complaint received 2018-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Colony Brands, Inc. (VA)

Hi how you doing, XXXX email me there is a hard inquiry on my report when I login to my XXXX XXXX  I see the company name XXXX XXXX XXXX XXXX XXXX XXXX, wI XXXX I never never heard about this people for this company never order by phone by mail or by the Internet we dont even have this company and my state Im afraid someone have my information or Trying steal my information I called him and emailed him no one is responding please tell me what can I do thank you very very much
Consumer complaint received 2023-07-04
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: OneMain Finance Corporation (MO)

The negative items in my file have been updated due to the CFPB breach and this is a violation of code 1681 I. Please remove the following items. XXXX  XXXX late pay, One Main Financial account that says its in collections. Thank you
Consumer complaint received 2023-01-23
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. (TX)

I have been battling these unverified and inaccurate accounts for awhile now and this haven't been proven whatsoever. The information across the reporting bureaus are different from each other implying that these accounts have different values and information. 

Also, there are some unauthorized inquiries that I don't recognized.
Consumer complaint received 2022-09-27
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: Experian Information Solutions Inc. (NC)

This is not a dispute. DO NOT DELETE AS A DISPUTE. THIS IS A REPORT DISPUTE REGARDING XXXX.ACCESSING MY CREDIT REPORT IN A MALICIOUS MANNER THAT MAY CAUSE MY CREDIT SCORE TO FLUCTUATE NEGATIVELY ..... PLEASE REVIEW THE ATTACHMENTS WHERE XXXX HAS REPORTED TO MY CREDIT FILE OVER 25 TIMES REPORTING BOGUS DATA AND THE NEXT DAY REMOVING IT, THEN AGAIN THE NEXT DAY UNTIL THEY HAVE REPORTED BOGUS ENTRIES AND IS CAUSING ME DAMAGES EACH DAY.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

So I called on the XXXX of XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

So I called on the XXXX of XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2018-11-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

Navient has been terrible about providing accurate and timely information. Neither myself or the cosigners are ever notified of status changes of the loans or payment changes, therefore late fees incur alongside other unnecessary fees. Customer service is often not helpful and provides varying information between the cosigners and myself when contacted. I honestly feel that I know nothing about my loan because of the lack of information provided. I don't get mail from Navient and seldom receive emails. I do not even receive confirmation when I call to address errors or issues. I feel that I am being taken advantage of.
Consumer complaint received 2023-02-25
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a Consumer Agency can not furnish a account without my written instructions.
Consumer complaint received 2018-11-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

Wakefield and Associates at XXXX XXXX XXXX in XXXX Tn is trying to collect 2 debts from me. They are both medical debts. One is from XX/XX/XXXX and the other from XX/XX/XXXX. I had originally made a couple of payments to lower the balance owed to XXXX XXXX XXXX. They sold the debt to Wakefield. Once Wakefield received it, they called me multiple times a day. Once I answered and told them that I would pay what I could, when I could. I never agreed to a set amount. There was one month when I couldn't make a payment due to low hours at my job. After that, they sent me a letter stating that I broke my promise and that they were then going to start charging me interest. I never agreed verbally, or in writing, to pay a set amount. I mailed them a letter requesting copies of the original contract to try to verify if they can legally charge me interest. Under Georgia state law, they must provide me with the original contract that I signed. They failed to do that. Instead, they sent me a statement for each account. In the statements, it shows the original balance, as well as payments that I made. They included a separate paper that shows the amount of interest they have added. They can not legally charge me more than I owe, unless I agreed to pay it in the original contract. They also refuse to send me the original contract, which is a violation of Georgia State Law and Federal Law. I have made them aware of the laws they are breaking, but they insist that the debt is valid and that I have no case. Georgia statute of limitations on medical debt is 6 years for a written contract, and 4 years for an implied promise to pay with no contract. One bill is from XX/XX/XXXX, and one is from XX/XX/XXXX. They continue to drop my credit score each month when they tack on more interest. This is clearly illegal and it needs to be stopped.