davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My capital one venture card that Ive had and used since 2015 was closed suddenly, the reason I was given was due to a one time returned payment that occurred almost 5 years back, ( and made a payment next day that cleared ) Im not sure why they just decided to close my account, but I had accumulated around XXXX points that I would like to have back. 

Please see if I can get back my account, or at the very least the points that I honestly earned.
Consumer complaint received 2022-06-17
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. (MI)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX. XXXX Balance : - XXXX XXXX  XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX Balance : {$0.00} XXXX & XXXX ( Original Creditor : XXXX ) XXXX Balance : {$11.00} XXXX XXXX XXXX XXXX Reference # : XXXX
Consumer complaint received 2022-06-17
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. (MI)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX. XXXX Balance : - XXXX XXXX  XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$11.00} Bankruptcy : XXXX XXXX Reference # : XXXX
Consumer complaint received 2022-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (VA)

On XX/XX/2022 I enrolled in a Home Depot Consumer Credit ( operated by Citibank ) which advertised a savings of {$50.00} off the first Home Depot purchase of {$500.00} - XXXX using the card. The advertisement for the card listed several exclusions, but did not state that the {$50.00} could not be combined with any other offer. 

On XX/XX/2022, after enrolling in the Home Depot Consumer Credit Card, I attempted to make an online purchase on homedepot.com of {$850.00} but was unable to access the advertised {$50.00} savings online. I called Home Depot Consumer Credit on XX/XX/XXXX and spoke with an associate who confirmed I was eligible for the {$50.00} savings, that I should go ahead and make the purchase, and then call back 48-72 hours after making the purchase to request that the {$50.00} savings be applied to my purchase retroactively. Based on this guidance, I proceeded to place the order on homedepot.com. 

On XX/XX/XXXX, I called Home Depot Consumer Credit and to request that the {$50.00} savings be applied to my purchase. At that time, I was advised that I was not eligible for the {$50.00} savings because I had already received a 10 % veterans ' discount on the purchase from Home Depot and the Home Depot Consumer Credit Card {$50.00} savings could not be combined with any other offer.
Consumer complaint received 2022-06-17
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. (AZ)

just XX/XX/XXXX i filed a dispute on a item i have no written instructions with any accounts on my credit profile, one in particular was deleted and resinserted the same day causing extreme harm to my credit report. i contacted transunion and the creditor they just ask or payment and do not follow the law. i have massive violations that is keeping me from obtaining housing my family and i hve to leave this XXXX  in 45 days an i can not acquire housing due to massive improper reporting. these items are in well over 10,000 in violations just on 1 account i have found several account in all which are reporting negative should be deleted immediatley. cfpb my rights have been violated, im seeking immediates relief on all my reports. 

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 states : a consumer reporting agency can not furnish a account with out my written instrutions. 
also the credit bureaus took more than 30 days. 
i also was not notified with in 5 days of many disputes on my profile i have several different amounts from account on my profiles which need to be removed and inquiries off of my transunion report as well. these things are more violation as well as improper names on XXXX XXXX should be listed only only address is XXXX XXXX XXXX XXXX XXXX XXXX nothing else. these items on my credit report have severly damaged my life prevent me to acquire housing al the u.s.c codes that have been broken is ridiculous. i have reached out mutiple times on accounts and they just want payment not follow the law. i would like monetary action and or immediate removal of each negative account as follows XXXX has 8 addresses and a XXXX XXXX listed with out my permission and multiple names should only be XXXX XXXX no middle transunion reporting jobs inaccurately. 
my entire account profiles do not match as they should from all three bureaus transunion reporting a balance of XXXX XXXX reporting a balace of XXXX experian reporting balance of XXXX transunion has 11 inquiries that should be removed there is a bankruptcy listed on all three that should be removed. 

i have the following accounts on all three reports that need to be deleted XXXX XXXX # XXXX  on all three reports {$20.00} collection : : : XXXX XXXX XXXX # XXXX on all three reports {$880.00} XXXX XXXX # XXXX is reporting open when its closed and also reported several late pays, remove this account immediately plus amount is incurrate {$660.00} XXXX XXXX # XXXX {$480.00} XX/XX/XXXX XXXX  XXXX # XXXX {$460.00} XX/XX/XXXX XXXX  XXXX  XXXX # XXXX {$3700.00} XX/XX/XXXX XXXX  XXXX  # XXXX {$2600.00} XX/XX/XXXX XXXX XXXX  # XXXX {$940.00} XX/XX/XXXX bankruptcy XXXX please investigate all these items and delete
Consumer complaint received 2022-06-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (GA)

I sent {$2000.00} via Zelle to my girlfriend 's account, from my FI ( XXXX XXXX XXXX XXXX ) to her bank ( XXXX  XXXX XXXX ), on Tuesday, XXXX XX/XX/2022. Currently, the funds have been removed from my account at XXXX, but have not shown up in her account ( XXXX  ). I have reached out to XXXX and Zelle, and she has reached out to XXXX. All three institutions are pointing fingers at each other, as to where the money currently is. She has incurred several overdraft fees due to monies that I/we expected would be available next business day, per Zelle 's marketing model. Our latest update is that the monies will be 'available ' in her account on Tuesday, as Zelle has set the transaction as an XXXX transaction.
Consumer complaint received 2024-12-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Recovery Services, Inc. (FL)

I am disputing a debt that has been reported by a collection agency for my XXXX credit card account for {$870.00}. I have requested validation of the debt, but the collection agency has failed to provide the required documentation. Additionally, I do not believe the debt is mine, as I have no record of owing this amount or any activity on the account.
Consumer complaint received 2022-06-17
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. (MN)

Transunion is failing to comply with FCRA laws for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted multiple complaints informing Transunion that I was a victim of identity theft. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts. I submitted the identity theft reports, provided a report circle the fraudulent accounts. Transunion has claimed the accounts listed below have been verified and is accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-06-16
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. (WI)

in accordance with the Fair Credit Reporting act XXXX Account # # # # # # # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 

15 US 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 an account without my written instructions.
Consumer complaint received 2022-06-16
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. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-16
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: OneMain Finance Corporation (AL)

I received a call from a collection company called XXXX XXXX  XXXX in XXXX SC. They called my mom and told her I owed money and she had a warrant on her desk for me. My mom called me and told me to call this number because they had a warrant for my arrest. I called the lady said she was the district attorney and had a warrant on my desk for failure to pay, I think this was in XXXX, Ive paid over {$500.00} for 3 months up until now, I tried calling all of the numbers associated with this company and they never answer and there is no voicemail. Thats when I knew something was wrong. I cant get in contact with them because I cant afford this last payment. I looked up the address on the site XXXX and found that it was an apartment complex called XXXX  XXXX. Ive came out of pocket so much money thinking my loan was being taken cared of but it wasnt. I still owe so much and it should be paid with what I sent XXXX XXXX XXXX. They promised receipts, and I never received them.
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, US Dept of EDXXXX Account # XXXX, US Dept of EDXXXX Account XXXX XXXX, US Dept of EDXXXX Account XXXX XXXX XXXX US Dept of EDXXXX Account # XXXX has violated my rights .

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the fair Credit Reporting act XXXX account # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duvera Billing Services, LLC (FL)

Duvera is reporting to XXXX, XXXX and XXXX that I owe them {$3000.00}. Im not sure how they got to these calculations because I never did business with them. I been disputing this account since 2021 and haven't gotten any response from them besides an attempt to collect on the alleged debt. They had 30 days to complete the reinvestigation, yet they have failed to respond. Its been 6 months any further delays are inexcusable. I have been more than patient with this company. It is unfair and its like I have no rights over my report. Please remove this account from my credit report. They have not provided me any facts that I owe them money. They need to successfully discard the debt or seek a different type of remedy besides ruining my credit.
Consumer complaint received 2022-06-17
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 XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, US Dept of EDXXXX Account # XXXX, US Dept of EDXXXX Account XXXX XXXX, US Dept of EDXXXX Account XXXX XXXX XXXX US Dept of EDXXXX Account # XXXX has violated my rights .

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FISERV INC. (TX)

TRS Recovery Services was notified on XX/XX/2022 that the debt they are attempting to collect for a " XXXX XXXX' was and is fraudulent. I do not owe this company any debts. These checks were stopped because these are fraudulent transactions from an Identity thieve. I do not know who Authorized these transactions but even the XXXX XXXX States I am not responsible for the transactions. I have not conducted business with this merchant, and I do not know who has but It was not authorized. TRS continues to try and collect on behalf of TeleCheck Services, Which still is not authorized. I am a victim of identity theft, and these transactions have already been reported to the FTC and this checking account was already closed because of the fraudulent transactions. These are not authorized checks. These are Forgery, and I will not accept a debt I am not responsible for. I already notified TRS of my right to dispute and TRS continues to send collection letters and trying to collect on a fraudulent debt.
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

In XXXX when I was XXXX XXXX XXXX my mother opened a credit card in my name using my information. it had a {$4000.00} limit. This was charged off. This is still on my credit. I reported this to the XXXX XXXX XXXX in XXXX in XXXX Wisconsin only to be told that " the debt is too old to prosecute ''. I disputed this with all 3 credit reporting companies to no avail and I contacted Bank of America fraud department to no avail. In XXXX, they provided me a copy of the application and the signature does not match. I filed a report with the FTC report number XXXX. I want this off of my credit.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2022, I received an alert that my score had plummeted a significant amount. Upon reaching out to the major credit bureaus, I was received by their automated answering machines which both hung up the line several times. Upon finally getting to an actual live agent ( with XXXX ) after trying for about 45 minutes to 1 hour, I explained to them that my credit score had decreased by about XXXX points in one day even though I had no outstanding debts and my student loans had been paid off in full. They then brought my attention to the fact that there was still one account that was potentially still negatively impacting my credit score. It was an account that had been paid off and closed for about 2 years. Furthermore, at the time at which I had paid off this account I was told that it would be closed and would no longer be a factor in my credit report. Therefore, I proceeded with that information in mind. After explaining this situation to the agent I had finally been able to reach, they essentially told me their was absolutely nothing they could do for me except connect me with a credit monitoring agency which charges XXXX $ XXXX for their services which I can not afford.
Consumer complaint received 2022-06-17
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, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : 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 2022-06-16
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (KS)

I got behind on my car loan. I tried to make payments on their website and they refused to accept debit card, credit card or personal checks. I had to go through XXXX XXXX. After I called and told them I would try and make weekly payments to get current in my loan, they started calling me, my sister, my parents and my sister- in-law. I called and asked that they only contact me at my cell phone number and not to harass my family with phone calls. Per my sister they are calling multiple times a day. They call me numerous times a day. In 2 days I had 21 phone calls from them. 

I have been trying to get out of debt and I have been working with them and paying through XXXX as they have required. XXXX through XXXX is not always open due to short-staffing at XXXX. But, I have been trying. I was woken up this morning to my car being repossessed. I called Ally Auto while they were taking my car and the operator was very rude to me on the phone saying I cant drive a car for free for 118 days. I just made a payment 2 weeks ago and was going to make another payment tomorrow. 

They have been nothing but rude, aggressive, and treating me like a dead beat lowlife, because I got behind on payments. I am currently working on paying them back and I could have been current if I didnt have to hunt down a XXXX that was open for business. 

But as I explained to them over the phone last week the constant harassing phone calls have affected my mental health and has affected how my family members treat me because they ( Ally Auto ) let them know I was in collections for not paying my car payment. I have tried to work with them on getting current and they told me my car was no longer in danger of being repossessed and then repossessed it anyway.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Glory LLC (TX)

This company LIED on my behalf and does for others. They claim on my behalf that I was a victim of identity theft, which I was not! I am attached a letter they sent on my behalf. That place should be SHUT down!