davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RC Willey (NV)

On XX/XX/2022, I purchased carpet and installation services from RC Willey XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX NV XXXX. I was notified that in order to book the installation date I would have to pay the entire cost up front ( {$4000.00} ) or make a 50 % deposit of the entire cost. 
I opted to make the 50 % deposit which amounted to {$2000.00}. At no point in time was I informed verbally or in writing that a 2.6 % fee would be added to the total amount afterwards. No where in the Flooring agreement and promissory note that I signed on XX/XX/XXXX does it state a 2.6 % fee would be added to the installation if I used my credit card for payment. 
When I returned to complete payment on XXXX, I was expecting to owe the exact 50 % balance I was told I owed. RC Willey decided to add the 2.6 % fee surreptitiously but I noticed the difference and inquired why did the cost increase? There was really no good answer. 
I believe this constitutes deceptive and misleading sales practice. Whenever I have conducted business with any company that accepted credit cards for payment, this charge was clearly and openly disclosed beforehand. This did not happen in my case.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Department of EDXXXX violated the United States Code Law. As detailed in 15 U.S. Code 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

In XX/XX/XXXX, I received notification that my credit report had XXXX late payments reported from the Department of EDXXXX XXXX This was the first time I was aware of payment being required as the Department of EDXXXX never sent me communications via email, postal mail service, or via telephone that payments were due on the account. When I soon got notice of the account, I began making payments on all XXXX student loan accounts immediately. I continued payment on all accounts and in XX/XX/XXXX I paid off all accounts successfully. I submitted hardship letters to the Department of EDXXXX requesting they grant me a Goodwill Request as the XXXX late payments hindered and continue to hinder my approval to buy a new home, and from being approved for new lines of credit. This has caused me to face many hardships. 

The Department of EDXXXX has continuously refused to not respond to my letters and has violated my rights as a consumer. 

Please consider this request.
Consumer complaint received 2021-10-17
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. (CA)

Experian is reporting for the account XXXX XXXX with a closed date of XX/XX/2019 and an open date of XX/XX/2019. Closed date and open date can not be the same date.
Consumer complaint received 2020-07-08
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. (CO)

Experian should not be reporting collections/chargeoffs on the two ( XXXX ) XXXX XXXX XXXX XXXX partial account number XXXX in the amount of {$20000.00} and partial account number XXXX in the amount of {$10000.00}. ( Please see pages attached from my credit report as well as a copy of my Drivers License and Utility Bill for identification purposes. ) I had gone to XXXX for a long period of time and when returning home to the United States I tried to use my credit cards. Every single time the card was declined. I realized at that moment I was a victim of identity theft. I obtained a copy of my credit report and discovered these accounts were being reported as collections/chargeoffs on my credit report. These accounts do not belong to me. I never opened these accounts nor did I ever authorize anyone to open these accounts. I immediately filed a police report, a copy of which I have attached for reference. XXXX Police Department Summary Incident Report - REPORT NUMBER : XXXX dated XXXX. These accounts need to be immediately removed from my credit report. This false reporting of collections/chargeoffs that do not belong to me is seriously harming my credit score. I have contacted the bureaus as well as the bank to fix this however, I have not been successful.
Consumer complaint received 2021-09-03
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: EQUIFAX, INC. (NJ)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2018-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

There were two transactions processed for a bill normally charged ACH monthly that were not supposed to come out for {$43.00} and {$50.00}, overdrawing my account. Upon checking with the bank, overdraft protection was enabled and pulled out four transfers to my checking account after specifically turning this feature off. Bank of America informed me I would be charged {$12.00} fees for four transactions, totaling {$48.00} in fees. I will also be charged {$35.00} for each transaction that overdraws my account and there is a {$63.00} hold on my account for something not disclosed to me by Bank of America ; they have no idea where the transaction is coming from or what it is.
Consumer complaint received 2021-02-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Neon Newco Corporation (AL)

I received a prepaid card from Brinks at my address with my info in the mail today. I have recently been a victim of identity theft in another state claiming unemployment under my social security number so to receive a card that I never applied for needs reported.
Consumer complaint received 2022-05-14
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. (NJ)

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 2022-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-25
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and remove : XXXX XXXX
Consumer complaint received 2021-09-03
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: EQUIFAX, INC. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2019-05-18
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: ALLY FINANCIAL INC. (MO)

I am trying to get a XXXX  with 0 % interest but the auto dealers who are middle men between me and finance companies try to cheat me. What are the requirements to get 0 % interest? Without the dealer making extra money from points off my loan.
Consumer complaint received 2020-07-08
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. (FL)

I opened a Macy 's credit card about 7-8 years ago and I never missed a payment. It has not been almost 10 years and they are still stating that I missed or was late on a payment. I have asked for this to be removed several times and they will not. I have disputed many many times with the credit bureaus but they do nothing.
Consumer complaint received 2022-12-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: MAS FINANCIAL SERVICES, INC. (ID)

They charged extra for late fee my contract said finish my loan XX/XX/2022 it's last payment and they charge XXXX dollars more they said my interest rate it's for every day and supposedly my payment it's the XXXX and a have 10 day for make the payment and they tell me I paid late and honestly alway tried to paid before the 10 days I only remember I make one payment late because my husban was on the hospital they tell me I need to paid the amount or I can't get my title
Consumer complaint received 2020-07-08
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. (AR)

This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from myreport as soon as possible. CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX DEPTEDXXXX XXXX {$8500.00} DEPTEDXXXX XXXX {$3400.00} DEPTEDXXXX {$17000.00} DEPTEDXXXX XXXX {$17000.00} DEPTEDXXXX XXXX {$3700.00}
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

I have been an American Express cardmember since 1983. I have 3 American Express cards, including a XXXX card for which I pay fees alone of {$5000.00} a year. American Express wrongly charged fees of {$310.00} on my account and has been charging a " delinquency charge '' of {$39.00} a month since then. American Express has recognized its mistake on three occasions but refuses to credit my account for it, despite saying it will do so. I have spoken to a representative for each of the last 3 billing statements and on each occasion the representative assures me that the amount will be credited - but then fails to do so. I spoke with American representative XXXX on XX/XX/XXXX, who said she had " reversed '' the charge. She lied. I spoke with representative XXXX on XX/XX/XXXX. She said I would be " refunded '' for the charge. She lied. The only way I can hold Amex responsible for doing what it says it will do is to contact the CFPB. This has now escalated. The card with the wrong charge is my Corporate Card - and now my employer has started advising me that I am " delinquent '', which is ruining my internal reputation.
Consumer complaint received 2021-02-02
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: TD BANK US HOLDING COMPANY (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-10-12
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: General Motors Financial Company, Inc. (OR)

I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates I am disputing will be between XXXX XXXX of XXXX
Consumer complaint received 2021-10-17
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one is double billing me for something that XXXX decided to give as a courtesy for lying about the hotel room received when booking online. The hotel advertised one image and put me in a complete different room. 

XXXX gave a {$91.00} credit and for some reason CAPITAL ONE has removed that charge from my account. 

See attached screenshot from better business bureau complaint where it shows the XXXX office of XXXX sent the credit to my account. 

This credit had nothing to do with dispute
Consumer complaint received 2021-05-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmerAssist A/R Solutions, Inc. (FL)

When I pulled my credit report inXX/XX/XXXX, I noticed a creditor by the name of AMERASSIST had placed a collection account on my credit report and I was not aware of who they were. I never received any written notification from the collection agency prior to them placing this information on my credit report.

Amerassist was reporting the following information on my credit report ; AMERASSIST, Balance : {$1700.00} The law states that AMERASSIST was to contact me 5 days prior to placing the information on my credit report or at least 5 days after and they did neither. Once I was made aware of the debt by viewing it on my credit report, my ( first CERTIFIED " Request for Validation '' went out to them on XX/XX/XXXX asking them to verify the debt by providing me the following ; 1. Itemized statement of all charges and credits on the above mentioned account from the date the account was allegedly opened to current date to substantiate the amount that you are attempting to collect. 
2. Proof of assignment of the alleged debt from the original creditor, or proof of your purchase of alleged debt from the original creditor. 
3. Statement confirming that no part of this debt was paid by an insurance claim or used as a write off for taxation purposes. 
4. Amount you paid for said debt 5. Date of last activity/payment 6. *Provide copy of HIPAA authorization furnished by the original creditor AS OF TODAY, THEY HAVE NOT PROVIDED ME WITH COPIED OF ANY OF THE ITEMS REQUESTED ABOVE. 

Also, The Consumer Financial Protection Bureau ( CFPB or " Bureau '' ) issued a second debt collection final rule that : clarifies the validation information and disclosures that a debt collector must provide to a consumer at the outset of debt collection communications and provides a model notice containing such information, prohibits debt collectors from bringing or threatening to bring a legal action against a consumer to collect a time-barred debt, and requires debt collectors to take certain actions before furnishing information about a consumer 's debt to a consumer reporting agency ( CRA ). Debt collector communication disclosure ; Debt collector 's name and mailing address ; Consumer 's name and mailing address ; If the debt collector is collecting a debt related to a consumer ( financial product or service, the name of the creditor to which the debt was owed on the itemization date ; Account number or truncated account number, if any, associated with the debt on the itemization date ; Name of the creditor to which the debt is currently owed ; Current amount of the debt ; Amount of the debt on the itemization date ; Itemization-related information ; information about consumer protections ; ) Consumer-response information ; and Consumer dispute prompts AS OF TODAY, THEY HAVE NOT PROVIDED ME WITH COPIED OF ANY OF THE ITEMS REQUESTED ABOVE. 

PLEASE NOTE THAT AMERASSIST IS IN CURRENT VIOLATION OF SEVERAL LAWS.
Consumer complaint received 2021-09-03
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. (CT)

THIS IN NOT A DUPLICATE COMPLAINT AND THIS IS THE ACTUAL CONSUMER XXXX XXXX. 
Account in question has been deleted by XXXX  because in it unverified and invalid. 
I intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite several written requests, the unverified and invalid item listed below still remains on my credit report in violation of Federal Law.

Credit Reporting Agencies are required under the FCRA to have a copy of the origi
nal creditors documentation on file to verify that this information is mine and is correct. 
In the results of your XXXX  's investigation and subsequent reinvestigation XXXX  stated in writing they verified that these items are being reported correctly? However they have refused to provide information on who Who verified this accounts? XXXX  has refused to provide me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore XXXX  has failed to provide the method of verification and validation as required under Section 611 ( a ) ( 7 ).

under Section 611 ( 5 ) ( A ) of the FCRA Credit Reporting agencies are required to promptly DELETE all information which can not be verified. 

This account has been previously deleted from my credit report and rereported. 

This account has been deleted by XXXX from my consumer credit report The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

XXXX XXXX XXXX XXXX {$430.00} XXXX attached are copies of both my transunion and XXXX  credit report.
Consumer complaint received 2021-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (LA)

The debt is on my credit report and I have disputed this debt several time. I never lived at the apartment complex. I sent in information where I lived during that time; such as driver 's license and water bill. The credit bureau told me that was not the proof I needed. They said that I need some type of documentation from management. The people that owned the complex does not own it anymore. So, I called the debt collection agency and I explained to them that I did not owe that debt because I never lived there. I told the lady that was on the phone that it was identity theft and i am not going to pay that bill. She was very rude and did not want to hear anything that I had to say. So, I called a second time and I was transferred back to the lady and I asked her for documents to see what she has that I owe the debt. She said that she could not give that to me. She told me to call the police and refuse to talk with me any further. So, I wrote a letter with the consumer protection information on it telling her I would like a copy of the documentation, least agreement and any other information so I can see if I owe this debt. I also asked for their company information. The letter was sent certified on XX/XX/XXXX. They received it on XXXX XXXX. I have a copy of the letter.
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

i was using a websites XXXX XXXXXXXX for backround checks then they charged me XXXX  dollar which is i thought fair then a few days later XX/XX/XXXX they charged me XXXX then XX/XX/XXXX they charged me XXXX dollars on another account i will talk to bank
Consumer complaint received 2021-05-29
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (IL)

First one happened on XXXX of XX/XX/2021 while the second One happened on XXXX of XX/XX/2021 about XXXX. 2 vanilla cards of {$500.00} and {$200.00} respectively were sent to me by a friend but when I tried using them they were declined saying I had XXXX balance in them..