davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
Product: Credit reporting 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)

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under XXXX U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2022-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CARD Corporation (WI)

Card.com closed out my account because I reported identity theft someone fraudulent took processing fees of {$2.00} like every 2mins all day long removed my funds from this prepaid account ending up with almost my entire deposit sent to this account. I contacted the account right away after viewing statement of outrageous {$2.00} & up saying these were all processing fees each time I used my card. But these processing fees were adding up to a 3rd of my deposit leaving me behind in my bills & causing me to become homeless from this terrible circumstances I was never rewarded all these outstanding deductions of processing fees. I wrote the consumer but this wasn't never investigated and they closed my account because I was dissatisfied with service. Agreement clearly stated atm fees only. They couldn't explain why all these processing fees deductions were taking almost my entire deposit from unemployment & last employment deposits were processing fees other then the card.com terms & fees would only be deducted for ATM withdrawal of {$1.00}. 
These processing fees were on all my statements of deductions of {$2.00} & more being taking out my account. Now my account is closed I can't access my prepaid statements anymore. I never was rewarded this major dispute I wanted to be investigated by the prepaid account Card.com they did nothing when this issue needed to be investigated how is anyone able to take out of my account all day like every other minute it stated processing fees even when I didn't access or touch my account for days. My refund was also sent to this prepaid account the same thing took place somehow more processing fees would be on my prepaid statements
Consumer complaint received 2022-11-16
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. (WA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigate and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-22
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 (NJ)

I do not agree with the results of a capital one credit dispute case [ XXXX ] we opened for the charge of {$1000.00} in the end of XXXX for the XXXX tuition fees as we did not receive the service from the merchant. 
Merchant charge our credit card as they had in their possession with a promise of service when school reopen, but school was closed and they told us that fees of XXXX tuition fees will be adjust next month but as the government decide shut down the state the school was closed for next few month and we decided to take the kid out as this was his last year. 
Capital one has not done a fair review of the dispute case we opened, even after I have shared all the email communication I received from merchants about the credit they promised by the end of XXXX but when they failed to do so, I opened the dispute with Capital one. Capital one has clear communication that the merchant promised and failed and Even while we were on call with the merchant and capital one dispute supervisor merchant agreed that they will refund but dont have any date for it and want us to follow up after 6 month which Is not fair as in XXXX it would be year.
Consumer complaint received 2021-07-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (WA)

My Coinbase account had an attempted unauthorized password change last week, no big deal, I haven't used the service in years so I simply locked the account. 

Between yesterday and today, a total of {$4000.00} was taken from my bank account from coinbase. Coinbase has no customer service support to get help with, I got in contact with my bank and locked my savings to protect myself from additional charges. I can not even access my coinbase account because the password was changed.
Consumer complaint received 2022-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Apelles, LLC (LA)

I was contacted by XXXX after already having disputed the original debt with them well over a year ago. The debt claims that I am a co-endorser for another person for guarantee of their account and responsible for their unpaid amount of {$250.00}. The problem is that the contract provided to me showing my alleged signature only shows a digital signature. I contend that I did not sign as co-endorser of the agreement, it was executed by others outside of my knowledge, and is a fraudulent representation of a legal agreement. Last correspondence received from XXXX was in XX/XX/XXXX to which i responded to them and subsequently filed report XXXX with the Federal Trade Commission claiming this was a fraudulent representation.I have now received a collection notice on XX/XX/XXXX from Apelles collection agency ( www.apellesnow.com ) advising that I can now settle this debt for a lesser amount of {$120.00}. I did not previously owe anything to XXXX still do not owe anything for this mis-represented account.
Consumer complaint received 2021-07-02
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

Moneygram has no re-issue or re-purchase or refund procedure for the purchase of their moneyorder service. If the recipient refuses to accept the money order. You are likely out of the . This is an illegal and concealed illegitimate attempt at theft. Moneygram is set up like a criminal organization where by you can appear to make a transaction. But the rules of redemption are up to the criminal enterprise to deem correct. I can not take them back where I purchased them or to a bank to deposit them. Making the money order a one-way ticket. 

I understand this is normal in our self-regulatory system of criminal corporate XXXX but I'm still going to complain every time I get robbed by so called legitimate businesses. 

2021 MoneyGram. Licensed as a Money Transmitter by the New York State Department of Financial Services. XXXX XXXX XXXX License # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX. Licensed by the Georgia Department of Banking and Finance ; XXXX # XXXX
Consumer complaint received 2022-09-21
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. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX  XXXX Balance : {$23000.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$700.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 



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Consumer complaint received 2021-01-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (GA)

I applied for a VA loan after prequalifing and was tentatively approved. I sold my previous home and had no debt and a credit score of XXXX and excellent loan to value. Veterans United kept asking for documents which were provided at least three times and could not get the facts straight. they kept sending diclosures indicating I had not sold my previous home and escrowing amounts above that allowed by law ( two months ). the day before the closing, they had not finally approved the loan and I decided that I had no choice but to pay cash which I had from sale of previous home. 

I then attempted to get a VA loan to take advantage of the rates and have my cash back from the sale of my home. I was denied a VA loan. 

I am 100 % XXXX Veteran. 

The actions of Veterans United is vindictive, incompetant, and criminal.
Consumer complaint received 2021-02-15
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. (CA)

I have been the victim of identity theft so i thought until i tried time after time credit repair after credit repair dispute after dispute to remove items that are not mine and are reporting in correctly. I have attempted for now 2 years to get these items fixed however with no success. I have submitted disputes with transunion, XXXX  and XXXX. I have advised them that I have not had any inquiries in the past 8 years so for anything to show up on my credit is false. My last attempt was on XX/XX/2020 i in efforts to dispute the inaccuracies submitted another letter and have yet to hear back from XXXX  and XXXX however transunion sent the 4th postcard saying that my documentation can not be used. how is this when its one of the acceptable items to verify my address which is my utility bill. PLEASE HELP
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (AZ)

I have an AMEX Hilton honor aspire card ending XXXX, with a " Earn {$20.00} back each month after you spend $ XXXX on U.S. dining '' AMEX offer added to my card. I spent {$25.00} on XXXX  XXXX at XXXX XXXX  with my card for my friend 's family. I don't know why it shows as XXXX on your website, but it is ordered on XXXX XXXX. I have attached the receipt for your review. I called AMEX customer service and been told I should get my {$20.00} back on my card, but right now almost 3 months I have still not seen the credit. Please check the receipt from XXXX XXXX   I attached. Please refund the {$20.00} credit to my card. Thank you!
Consumer complaint received 2022-12-13
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 — Their investigation did not fix an error on your report
Company: I.C. System, Inc. (TX)

IC Systems reached out to me regarding two accounts one being XXXX, and XXXX on XX/XX/2022. They spoke to me about these accounts and we agreed that If I make a lump sum payment, IC Systems will remove all negative information from my credit file associated with the debt. We agreed to settle Account XXXX where we agreed that I would pay {$270.00}, for account XXXX we agreed that I would pay {$85.00}. On XX/XX/2022 I kept my end of our agreement and hoped that IC Systems would do the same. However as of Today XX/XX/2022 IC Systems is still reporting negative information regarding this account. According to the FDCPA has a strict list of laws that Debt Collection agencies must follow and IC Systems is violating the law by misleading me as to what I was paying for. At first I believed that this may have been an honest mistake on their behalf. However I submitted a dispute with the Bureaus and they wrote me that IC Systems allegedly " verified '' this. The call that the agent and I had on XX/XX/XXXX notates that I agreed to give IC systems a lump sum of money in exchange they would remove all negative information from my credit file. If IC systems is not going to keep honor our agreement I need to be refunded {$360.00} immediately.
Consumer complaint received 2021-01-22
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Ive tried various time to sign in my XXXX XXXX and when I do it says that an alternative email was used to Register, which is an email Ive never created. Next, I tired adding my phone number in order to get a security code but it also stated that there was another number registered to my account using my social security Number! 
Another problem I encountered ... I currently have 4 accounts active and on my capital one bank app. It states that I have 7 accounts and I seen that there was a credit card taken out under my information coming from the state Missouri which is obviously a Fraud! How can you help me log into my XXXX XXXX and how can u protect my personal information from this person in another state that got into my account! I need assistance ASAP!!!
Consumer complaint received 2020-09-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: PENTAGON FEDERAL CREDIT UNION (UT)

I have not received a statement of my account since XX/XX/2019. I have called customer service for help with no results. The problem they say is that they can not verify my phone number. They want me to fax or upload a copy of my phone bill to them for verification of my phone number. I do not have a fax machine nor am I tech savvy enough to upload my paper telephone bill. The credit union has the wrong area code for my account. I have tried to access my account on the internet with the same result. The area code on their web site is wrong and I can not fix it. I telephoned the credit union. The representative hung up on me after a long telephone call because I can not fax or upload my telephone bill. I must assume the last 15 payments were received and properly applied to my account because I have not been contacted for late payments. However, I do not know if the balance of my account is larger or smaller now, than what it was 15 months ago. In addition I have never received payment coupons to make the payments. I have to try and make some kind of coupon hoping and not knowing what is happening with my account.
Consumer complaint received 2020-09-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (PA)

{$1500.00} transferred to a bank acct fraudulently, on the same day that I spoke to teller at my bank about money transfers from XXXX and she told me only {$1000.00} possible a day. 

On hold now, no customer service available, been on hold for hrs. When I spoke to US bank person on the fraud line. ( Thought they would help me ), they transferred my call back to the reliacard no response number. I will not accept this! 

I have run for the US House of Representatives, and I am archived in the Library of Congress. This is criminal lack of care for poor victims of fraud. 

I will file criminal and civil charges against US Bank. I am Pro Se and IFP.

This is what fascism looks like XXXX XXXX
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

my credit card company citi bank closed my account cause of 3 returned payments i never missed a payment and never signed up for autopay i asked them to review and they still didn't reopen my account. I've never missed a payment in my life with any account. I've submitted my 3 bureau credit report which you will see I've never missed a payment in the history of any account and I've included the pact 6 statements from citi where you will see I've made a payment and never missed anything
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: First Technology Federal Credit Union (OR)

In XX/XX/XXXX my husband and I refinanced our home mortgage with First Tech Federal Credit Union. We were waiting for our new loan statement in order to start payment, however we never received any mortgage statement for our new loan, but in XXXX, we got notice that we were late on our mortgage, and once we were able to get information about where and how to pay our new mortgage, we did so immediately. This was all news to us, as we had just thought that we would start our new payments in XXXX, since we were told you typically miss one months payment when you refinance.

After this incident, First Tech Credit Union, reported us to the credit bureau for the delinquency and would not remove the delinquency even after multiple attempts and calls to do so. 

Fast forward to XX/XX/XXXX. We sold our house in XXXX and moved back to XXXX XXXX, XXXX. In XXXX of XXXX we tried to apply for a loan to buy a home and we were informed that our credit report said we are delinquent AGAIN for payment in XX/XX/XXXX! First Tech Credit Union reported us for late payment, even though our mortgage was paid off! My husband and I called multiple times and First Tech member services admitted that it was an internal mistake and they can see that we paid off our mortgage in XXXX, and they are not sure why it was reported delinquent! They expressed that they informed the right department, but every time we call, we are given the run around and no one is taking responsibility for this issue! 

Due to the negligence and internal mistakes of First Tech Federal Credit Union, my husband and I and our XXXX young children are unable to buy a home, and are even having trouble renting. We are highly educated, make great money, and we work very hard. We have been home owners for years, and now, due to these errors on the part of First Tech, we are unable to secure housing! I will continue to slam First Tech Federal Credit Union.