davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2017 a late payment was place on my consumer credit file by XXXX XXXX. Prior to this time. My original payment ate was the XXXX of the month. I discussed with XXXX XXXX that due to an hardship was it possible to change the due date to a later date of the month of which they agreed. I was charged {$20.00} to make the payment adjustment in the date. To make payments due on the XXXX of the month. In addition, I agreed to pay {$570.00} instead of the original {$510.00} payment to have the payment registered as on time. Even though I agreed to make these payments and followed the directions, they continued to report these payments as late to the credit bureaus. I set up automatic deductions and increased the deductible amount to {$600.00} to avoid the late fees. But the arrears just grew from about {$300.00} to over {$3000.00}, even though the payment was taken out of my bank account by the creditor every month as per their " agreement '' with me. Additionally they continued to report the account as late to the credit bureaus. In the original agreement XXXX XXXX allowed a 15-day grace period for being late after the due date ; however, late fees and reporting occurred if you were only late 1 day late. It was unclear how or whether the extra money paid each month was applied to reduce the late payments. I requested an audit of the account to verify the account and never received it. The company and bureaus did not follow the law and posted un-validated information about the account with XXXX XXXX. They violated my consumers rights by the following : 15 USC 1692f ( 1 ) unfair or unconscionable means to collect or attempt to collect any debt, 15 USC 1692g 809 ( b ). Validation of debts - Disputed debts. The information reported by the credit bureau 's is inaccurate : The balance, the monthly payment, the payment history, and the payment status are all incorrect.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

In XX/XX/2021, XXXX updated that my account was closed ( see attached ). I thought they had closed my account as a result of me consulting a lawyer to request that i exit the contract based on deception on their behalf. Therefore, I thought that this account was closed and XXXX had stopped collecting. However, on XX/XX/2021, XXXX reported to the credit bureaus that I was 30 days past due on this account. This was highly confusing and misleading since they had reported that this account was closed. Thus I made a payment to bring this current up to date. I am submitting a dispute on my credit report on the basis that this account is reporting closed at one of the credit bureaus but yet XXXX is still collecting and also on the basis that the balance is incorrect, because this account is now current. I have attached all of the supporting documentation to support my claims above. A fair resolution is for XXXX to stop collecting since they reported that this account was closed or if they can't do this, then to bring this account up to date as current due to misleading the customer into believing the account was closed by reporting this on my credit report and that they had stopped collecting. A fair resolution is for XXXX to stop collecting since they reported that this account was closed or if they can't do this, then to bring this account up to date as current immediately due to misleading the customer into believing the account was closed by reporting this on my credit report and that they had stopped collecting.
Consumer complaint received 2021-07-13
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: Remex, Inc. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Army and Air Force Exchange Service (WA)

Third party debt collectors working for the Army and Airfare Exchange Service are using unlisted, unknown and untraceable VOIP phone calls to harass me even though I have asked them not to contact me and harass me multiple times a day. As of yesterday I received 7 calls in one day. 

Please stop AAFES from continuing to harass me. Force them to clear the debt and pay restitution for utilizing unfair and illegal communication practices to take advantage of a XXXX veteran on a fixed income.
Consumer complaint received 2021-07-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX Some one send through my account XXXX XXXX and right after the same day another XXXX $ to a guy i don't know named XXXX XXXX. As soon as i found out i called the fraud department of citi bank, they temporarily put back the money while doing their investigation. After few weeks without letting me know, they took back the money from my account, putting me in really difficult position, i was't able to cover my rent. 
I work in construction and don't make much, but always able to take care off my bills. 
Also, since last year, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX have been charging me monthly during covid, while the gym was closed, i called the bank and told them not to allow any charges. After the gyms opened, the local gym that i was signed up was closed, meanwhile the XXXX was still charging me, over all most of my savings for this year were gone from my citi bank. I closed my account with the bank today as of XX/XX/XXXX. I am not sure if i will ever get my hard earned money. Any help will be really appreciated in this hard times. Thank you in advance if you can do anything to help.
Consumer complaint received 2023-01-11
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and caused me undue stress and defamed my character : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

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

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT.

Please send me an updated report upon completion of my request. 
Sincerely, XXXX
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I have student loans showing late payments ; they have been refinanced and consolidated. However, they continue to negatively impact my credit and score since it shows 25 late payments. These loans are also from XXXX, in which most of these late payments should have already come off my report. They continue to report every year, which keeps making them current although the first reported date was in XX/XX/XXXX
Consumer complaint received 2021-07-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Ive had a checking & savings account with Capital One for several years now. The savings account ( I named XXXX ), I put money in for my son who's XXXX to send him money for necessities, etc. It helped me keep track doing it this way, plus he got checks for working in XXXX, etc. 
Because Im a XXXX & XXXX with serious health issues now, I decided to put my son as a SIGNER or SECONDARY account owner, ( I have his POA as well ) on the savings account so in the event of my becoming incapacitated, he could access the money. They allowed me to do this and even sent a letter addressed to him to my home stating all went through and he is now a signer on my account. 
I went to get on the account to send him some money and Capital One has the savings account LOCKED WITH MY MONEY IN IT ( {$800.00} ) stating " they need more info ''. I called Capital One, they said they need to speak to my son directly to verify some things and need a copy of an ID. I told them he dont have an ID as he's in XXXX but that I do have his POA. 
I told them what I had done and why I was setting up this account with him as a signer and that I had his POA. The told me " they cant do anything until they talk to HIM directly even tho I told them he is XXXX  and can not make a phone call over 5 minutes! They still refused to assist me stating they need to talk to HIM! 
They are also not allowing me access to my previous bank statements or transactions for this account! 
SO, this means they are going to freeze MY MONEY for 8 YEARS until he gets out of XXXX??? This is wrong and they are not honoring his power of attorney above all! 
I am very sick and really needed to just get this set up so I know my son is taken care of if I cant do it anymore. : ( But foremost, I am out {$800.00} on top of it?? : ( I even asked Capital One to just transfer the {$800.00} into my checking account, but they refused that too!! Locking up my money should have NO bearing on them adding him as a signer on my account!! : ( Please help!!
Consumer complaint received 2023-01-06
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. (NC)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) reporting inquiries without my authorization or permissible purpose. I am so disappointed because this matter has needlessly affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-07-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

Coinbase has locked me out my account for weeks. Every time I contact support I get a form email. I have responded numerous times verifying the steps that allow my account to be reactivated. They are fraudulent holding my money and have no one for me to speak to
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am submitting reinvention into XXXX XXXX the company is misreporting inaccuracies on on a closed account from XXXX  and showing repeated C/o inconsitance balance reporting unlawful change in Deliquency dates tgat is causing reacing of debts due to status of limitation..15u.s.c1681i under FCRA It's a violation of my rights and cause me to have ability to obtain credit
Consumer complaint received 2021-07-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

New car purchased at XXXX XXXX of XXXX ( Maryland ) on XX/XX/2021 with a combination of trade-in and new auto loan. 

Loan was granted ( also by Capital One ) on XX/XX/2021 but dealer or bank will not process payoff of loan linked to trade-in. 

Trade-in value for the car was over {$14000.00} while balance of loan for this trade-in was less then {$2000.00}. 

XXXX has caused additional interest charges and also need to make an extra car payment, and unnecessary and customer-unfriendly confusion to keep track of refunding of this excess payment ( I am not sure whether from Capital One or the dealer, or if dealer will keep the excess. ) Only after repeated calls did I get a call back from the finance manager, who then gave me condescending answers without answering why they would have received a 10-day payoff yet the loan was not paid off in 10 days. ( Today is XX/XX/2021 - 14 days after trade-in ). 

Dealer prominently advertises they offer auto loan through your bank. Please engage with dealer directly.
Consumer complaint received 2021-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: LTD Financial Services, L.P. (MD)

This debt collector as defined in 15 US Code 1692a - Definitions has been harassing me with calls and letters pursuant to 15 US Code 1692d ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Also, pursuant to 15 US Code 1692b ( 2 ) not state that such consumer ( me ) owes any debt.
Consumer complaint received 2021-07-09
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: Experian Information Solutions Inc. (GA)

I never received any investigation results regarding these accounts I disputed several times : XXXX Account # : XXXX | XXXX/XXXX  Account # : XXXX | XXXX/XXXX  Account # : XXXX | XXXX  Account # XXXX XXXX | XXXX XXXX Account # XXXX XXXX | Chapter XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2021-07-13
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: CITIBANK, N.A. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: GOLDMAN SACHS BANK USA (FL)

GOOD AFTERNOON, I AM INQUIRING ON THE INSTABILITY OF THE FOLLOWING CREDITORS, FAILING TO REPORT INFORMATION AS THEY SHOULD TO XXXX ( CREDIT REPORTING AGENCY ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXS XXXX XXXX ALL OF MY CREDIT INFORMATION WITH XXXX WAS REPORTING FINE ON MY PREVIOUS REPORTS. THIS IS CRUCIAL, AND DISABLING THE ELIGIBILITY OF BEING ABLE TO BUY A HOME/OR GO THROUGH THE MORTGAGE PROCESS OVERALL. I HAVE BEEN IN CONTACT WITH MY CREDIT MONITORING REPRESENTATIVES, ALONG WITH XXXX THEMSELVES. THEY STATE THAT EVERYTHING IS GOOD ON THEIR END. IN THIS CASE, THE ABOVE MENTIONED CREDITORS ARE NOT GOING BY WHAT THEY'RE ENTITLED TO DO. I AM REQUESTING FOR THEM TO START REPORTING MY INFORMATION AGAIN, I DO NOT WANT TO HAVE TO TAKE ANY LEGAL ACTIONS WITH THIS. I GREATLY APPRECIATE IT.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have been disputing to XXXX XXXX, XXXX  and Experian for over 6 months my correct personal information. I have not received any updates to reflect the correct information as of yet. 

Please update all of my personal information on XXXX, XXXX, and Experian. 

My only name is XXXX XXXX XXXX My only address is XXXX XXXX  XXXX XXXX, XXXX, Tx XXXX My only employer is Self Employed. 


There XXXX  be individuals that have the same information as mine. Creditors XXXX  have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not appear in my credit file.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (KS)

Hello, I opened a credit card with CBNA/Best Buy in XXXX, XXXX which due to financial difficulties was charged off in XXXX, XXXX. Fast forward to XXXX of XXXX ... I got a notice that I have a new delinquency on my XXXX, XXXX and XXXX credit reports and when I checked, it was CBNA changing my account status from charge-off XXXX, XXXX to closed and 180 days late which took my credit score down almost 70 points. Since this time, I have disputed this information XXXX times ( XXXX ) with each major credit bureau and have used all resources available to me to get the information for this account to be corrected to no avail. Every month, CBNA reports the account open briefly, then closes and sets it 180 days late it which shows this account as a new and delinquency when in fact, it is several years old. I feel this is being done to intentionally and maliciously drop my credit score. My credit report clearly shows a change from charge off status to 180 days past due every month and I have not been able to get CBNA or any of the three credit bureaus to fix this incorrect information. Any assistance or direction to assist me into forcing CBNA to report my account history accurately and to desist their intentional disinformation would be greatly appreciated. Thank you.