davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to exercise my right to question the validity of the debt your agency claims I owe, according to the Fair Credit Reporting Act ( FCRA ). As stated in Section 609 of the FCRA, ( 2 ) ( E ) : A consumer required to remove inaccurate derogatory information from a consumers file that can not be verified. I would like to see a complete list of all documents and correspondence in regards to the below accounts. Please include all names and contact information of employees that you spoke to at, as part of this investigation. As is my right, I am requesting verification of the following items : XXXX  XXXX XXXX   XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. Thank you for your prompt attention to this matter.
Consumer complaint received 2020-05-21
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. (OH)

I have inquiries of my credit report showing I have reviewed my credit report every month. I have not done this. Addresses that I have not lived at are on my credit report. There are phone numbers that were not mine on the credit reports.
Consumer complaint received 2020-05-21
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 (PA)

On my Capital One credit card, I was charged by a vendor ( XXXX ) a {$15.00} fee on XX/XX/2020. I tried several times to call the XXXX XXXX phone number to advise them that this charge was an error as the account/service with XXXX XXXX for website forwarding was closed over a year ago. I was unable to talk to anyone or leave any message - the phone system only directed you to their website. I sent the attached letter dated XX/XX/2020 to Capital One. Capital One has not communicated back to me and has not credited my account the bogus {$15.00} fee.
Consumer complaint received 2023-01-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I contacted all three credit bureaus about inaccurate credit account and account that's not related to me. All three major credit bureau gave me hard time update and disputing the information that appear is wrong on my credit report.i called serval time and send letter of verification of my identity to update misinformed informations. I have not yes receive a letter of validation from the major three credit bureau. Please help me I am being denied due to this mislead information.My credit history has been taken off my good credit account .I purchase my car in XX/XX/2020 there has not beeb a correct payment place on my credit but wrong history information.i contact credit acceptance and they mentioned to me I have to contact the credit bureau to correct the account .this has been XXXX now and my information and credit report still remain the same with unverifiable information inaccurate account.I called some many time about this matter and nothing has been investigate correctly
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Dear Sir or Madam : This involves 2 credit cards issued by Capital One in which i was charged a late fee of {$28.00} for each card in XX/XX/2022. 

Card one : Capital One Platinum XXXX Card two : Capital One Walmart XXXX My due date XXXX fell on a Saturday. When i attempted to make payment on XX/XX/XXXX - their calendar date only had the following Monday and process date of Tuesday because banks do not process payments on weekends. I filed 2 separte complaints with the XXXX  and one with Texas Attorney Generals Office of Consumer Complainst. All went unanswered and cases were closed. I also called XXXX and they refused to issue me credit. 
I in good faith attempted to pay on my due date and was charged a {$28.00} late fee. I am requesting that a refund be issued to both my credt cards.
Consumer complaint received 2020-05-14
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 first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$91.00} XXXX XXXX XXXX {$92.00} XXXX XXXX XXXX {$2300.00} XXXX  XXXX {$530.00} XXXX XXXX {$100.00} XXXX XXXX   XXXX {$650.00} XXXX  XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX  XXXX {$23000.00} XXXX  XXXX {$530.00} DEPTEDXXXX XXXX {$1000.00} XXXX  XXXX {$1700.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX {$2300.00}
Consumer complaint received 2023-01-17
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. (CA)

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 XXXX XXXX XXXX. 

1. XXXX XXXX ACCT # XXXX 2. XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ( 6 ACCOUNTS ) ALSO EXPERIAN IS REPORTING THE XXXX STUDENT LOANS AS A " OPEN, COLLECTION '' BUT ON XXXX ITS SHOWING " XXXX PAYMENT HISTORY NOT AS A COLLECTION '' HOW ARE BOTH BUREAUS REPORTING THE SAME ACCOUNT DIFFERENTLY? ALL STUDENT LOANS NEED TO BE DELETED!!!! ( PLEASE SEE ATTACHED CREDIT REPORTS ) 3. XXXX XXXX ACCT # XXXX 4. GXXXX XXXX  ACCT # 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (VA)

CFPB PLEASE REVIEW IN ENTIRETY CCI has continuously tried to collect on an alleged debt that I the original creditor has not validated nor do CCI have the right to collect. I did not provide consent to CCI to house my personal information no report to the consumer reporting agencies without my consent as a federally protected consumer. 

CCI has continued to illegally communicate with me with harassing language and violations ( attached ) not in accordance with Federally protected laws. I have experienced marital issues due to the information that CCI is illegally reporting without my consent as well as inability to purchase a home due to adverse items listed on consumer reports.
Consumer complaint received 2023-01-17
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. (PA)

*THIS IS NOT A DUPLICATE RESPONSE* XXXX Bank believes that their company policies and procedures supersedes federal laws. After making XXXX Bank aware of the numerous federal laws that they are breaking under the FCRA, XXXX XXXX XXXX XXXX, XXXX and commiting Aggravated Identity Theft, they confirmed that they will continue to break federal laws to cause me hardship to defame my character as a consumer operating in commerce. They are disregarding my right to privacy for the best interest for them to extort me on extension of credit. Im making the XXXX XXXX XXXX XXXX ( FDIC ) and the Federal Trade Commission ( FTC ) aware of their unfair deceptive practices also! *see attachments*
Consumer complaint received 2023-01-17
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. (PA)

*THIS IS NOT A DUPLICATE RESPONSE* XXXX Bank believes that their company policies and procedures supersedes federal laws. After making XXXX Bank aware of the numerous federal laws that they are breaking under the FCRA, XXXX XXXX XXXX XXXX, XXXX and commiting Aggravated Identity Theft, they confirmed that they will continue to break federal laws to cause me hardship to defame my character as a consumer operating in commerce. They are disregarding my right to privacy for the best interest for them to extort me on extension of credit. Im making the XXXX XXXX XXXX XXXX ( FDIC ) and the Federal Trade Commission ( FTC ) aware of their unfair deceptive practices also! *see attachments*
Consumer complaint received 2022-03-04
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-04-24
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: EQUIFAX, INC. (FL)

i have contact equifax and XXXX regarding these false unauthorized inquiries to be removed. 

XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — Store credit 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: CLGF Holdco 1, LLC (IL)

I have tried to contact Genesis- XXXX credit card and spoke with the rudest employee ever. I am trying to dispute a charge for the portion of the billed amount for my loveseat which is XXXX. 

Genesis has made it difficult to do this.
Consumer complaint received 2022-01-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NC)

I recently pulled my credit report and realized my auto loan was showing 30 days late all of 2021. I called the company said that I have missed a payment making all payments forward late. I have not missed any payments last year. In fact, several payments were paid a few days earlier which they applied to the same month making the next months payment late. I explained to them they made a big mistake and it is affecting my credit now. They said they did not make any mistakes. I have all payment history backing my statement. I also have put several requests in to speak with a manager with no return calls. I would just like help solving this issue.
Consumer complaint received 2020-05-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (AZ)

I filed previously claim against them and I was told all it was stoped because they keep calling me for debt that has nothing to do with me whatsoever they just stole or bought my number from someone just because of same last name. When I first filled complained they apologize sent me letter confirmation that it mistake and they shouldnt be doing that yet after that I got more than dozen calls from them. Debt has nothing to do with Me just because of same last name I almost lost my job today because I got angry started yelling at XXXX calling me. Need help to stop this or is there a ways to file lawsuits against them they wont stop they are stealing or by numbers hoping to find people they are looking for just because of last name.
Consumer complaint received 2023-01-17
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: CITIBANK, N.A. (FL)

This dispute has not been resolved by XXXX XXXX XXXX XXXX. 
On XX/XX/2022 XXXX XXXX, XXXX XXXX XXXX charged to me the amount of {$420.00}. As soon as, I notice this charge, I called to the credit card, and I dispute it. On XX/XX/2022 the credit card send me a letter saying that the dispute has been closed, because they did not find any evidence of fraud. Once again. I called to the credit card and re-do the dispute, requesting for the invoice to see the charges, but they closed it, again. 
Dispute ID : XXXX, requesting for the invoice to see why the hotel are charging me this amount, because minutes before leaving the hotel, I got my invoice which is for XXXX Shekel ( I have a copy of this invoice ). 
Today, I called again to the credit card asking for the supervisor, and noted that agents, lack knowledge, and how to resolve issues such as the one I am experience. 

I will sent by mail copy of the invoice, that I got from the hotel before leaving. 
And copy of the letter where the dispute was closed.
Consumer complaint received 2023-01-17
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. (NJ)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-17
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: EQUIFAX, INC. (PA)

I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my consumer report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my 4 kids and wife. 


By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.
Consumer complaint received 2023-01-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (AZ)

I invested {$5.00} XXXX in XXXX. I lost some money but I still had some cash ( {$500.00} ) and two XXXX coins in my XXXX as of XXXX XXXX. I checked my account in late XXXX and I saw that there was XXXX money and assets in my account. I complained and the Coin Base made me go through many questions to identify me after a few days, they recovered my account. I wanted to withdraw everything so I first sold my coins. The website would not allow me to withdraw immediately. I had to wait so I waited two days then went in to ask for a withdrawal and there was no money in the account again. I complained again, but this time they would not help me and said I should report it to the law agencies.! They, Coin base has to be on this scam. I WAS NOT HACKED, they stole my money.!! I need to get a report number so I can claim this loss in my taxes.
Consumer complaint received 2023-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc. (WY)

My wife passed on XX/XX/XXXX. I kept her phone active for several months afterwards because she handled all of our billing and and she had setup all of the debts due sent to her phone number so that she could pay all the bills. XXXX was one such company. 

My complaint is with XXXX XXXX. Near the end of XX/XX/XXXX my normal billing jumped to over {$300.00} because of International phone calls from XXXX using my late wife 's phone number. The next month the total went to over {$800.00} for even more calls from XXXX. All my attempts to talk to " managers '' at XXXX about obviously fraudulent charges originating from a country that I have never visited. In fact I haven't been out of the U.S.A. in over 20 years. 

Sometime around XXXX or XX/XX/XXXX I personally went to the XXXX store in XXXX XXXXXXXX, ID to have my wife 's phone number disconnected and change the account to my name and surrender her phone because I certainly did not need it any longer. 
They made a really big deal about changing that account ( they even required me to provide an original death certificate! ). The whole process took several hours and I was very frustrated but it needed to be done. And I thought that the account change was completed. 

When I started receiving the billing for international calls I noticed that the calls were using my late wife 's, supposedly disconnected and returned cell phone. Despite all my calls to fix the fraudulent charges they had no record of the number being disconnected or returned. I've searched my records and I can't find proof as well. So, either they never gave me official paperwork of I have disposed of it after a few months. 

They have since sold the debt to a debt collection agency and my money manager has sent them a cease and desist letter. They did cease. Now I have to go through this all over again because XXXX sold the debt to another debt collection agency that is now demanding {$990.00} for interest fees and costs. 

I just need to talk to someone at XXXX headquarters ( maybe with a moderator ) that has common sense that can see that these international charges from XXXX are obviously fraudulent. When I call all I can get is mid-level management that parrots the company policies back to me without even considering the fact that they are mistaken.
Consumer complaint received 2023-01-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: United Built Homes LLC (TX)

I bought land and dirt and then paid United Built Homes ( United Built Homes is a Bank, A Mortgage Company, A Lumber Company, A Warranty Company and a Builder ) to build a shell home on XXXX XXXX in XXXXXXXX XXXX. I paid United Built Homes half with a cashier 's check on XX/XX/2021. They claimed my home was substantially complete and asked for the remainder. After we had an engineering firm ( structure ) and an HVAC inspection we were notified there are structural and HVAC defects. The ceiling could collapse in our family room if left as is. United Built Homes was notified by certified mail. United Built Homes ' reps referenced the contract ( where it states that I must accept the home even though it's defective and I also must accept home if it is not in liv-in condition. ) I asked United Built Homes to fix but they refused and filed foreclosure against my house instead of fixing defects. I either have to accept a dangerous defective home ( shell ) as is and pay the remainder or I have to loose my life savings that is tied into this home. They advertise on their website ( International Residential Code standards & oversight - ( my house was built with little to no oversight and certainly not Residential Codes ). They also lied about the size of the lumber which could have caused an accident. ( This home building agreement is a cash deal for a shell. I did not see any categories that fit my circumstance. If there is a better profile for my situation, plese let me know and I will re-file. )